If I have 100 HBD in my savings on account A and send 0.01 HBD to another account of my, acoount B and then send 0.01 HBD back to account A, will I get 3 HBD after 30 days?

It is 3% per year, so you would get 3 HBD / 12 (months). The 0.01 HBD would only be needed if there has not been any transactions on the account in the last 30 days. You don't miss out on that interest, it just won't pay out until there has been activity.

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