What’s a spread?
What are the rules?
.
The spread is the difference between what the banks pays you and what the bank gets.
They certainly don't put your money in a drawer waiting for you to ask for it.
They take your money and buy stuff that pays them for the trouble.
But they need to make a profit in the process.
The spread.
You can either buy what they buy (depending on how much money you have) or you can look at alternatives.