In germany. I don’t know how long these offers will be available but some banks already reduced the interest to 1,75% or something. I just switched bank for my emergency fund. I’m trying to be above the inflation rate which is currently something around 2,5%
It’s not smart to use your emergency fund as an investment. The point is that you keep your emergency fund in an savings account that has at least an interest rate like the inflation rate and you should be able to use that money any time.
I never said that I’m doing an investment with that. No idea why you mention this.