Banks again

As Cape Connect continues to grow slowly, we've decided to open a savings account where we can place funds until there are enough to pay for a project.

Well, this morning we got our first interest payment. That massive amount of R0.36 was credited to the account, closely followed by a service fee of R4.35.
What's the point of earning interest when they take 12 times more away as their fee for paying you said interest?