It is not normal to get negative interest rates from a bank. YOU are telling me YOU would put $100 in a bank and and be OK with your account being worth only $99 a year later? IMHO no one would be banking.
What's been happening in the U.S. for years is that if I deposit enough money to buy $100 worth of food clothing & shelter one day, a year later the money in the account will buy one percent less. It has to do w/ inflation, and when inflation goes below a percent then banks have to charge negative interest.