The upcoming hard fork will focus the HBD interest function onto "savings"

Does this mean we have to move the HBD into savings in order to get the 5%?

It says "HBD interest rate: 5.00% APR (as voted by the Witnesses)" in both the HIVE DOLLARS and the SAVINGS area.

the best interest rate accesible to me in this moment in time is around 4%

Where's that? I've seen nothing approaching that in the UK? 

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