<prompt> Human: I have a savings account with Santander, the famous 123 Savings account. This is in Europe btw.Up until last year, the first 15000 in the account matured an interest of 3year.Then they lowered it to 10000.Now theyve lowered again to 6000.It seems to me this is a desperate move done because they cant afford to keep paying the interest. It seems desperate because to me it encourages to move my other savings elsewhere, but should I be worried at all? Its still better than most savings accounts, but I cant tell if this is the writing on the wall for something bigger or not.Any advice appreciated, thanks!  <response>: Santander is huge. theyre not going anywhere. Its a money grab. 