Instead of transferring the bank funds to the European Central Bank, the storing of the cash physically using vaults are now being taken into consideration by banks after the banks have paid almost €2.64 billion after the 2014 negative rates.

A report by The Financial Times shows that a number of European banks have turned electronic money into cash one example of which is Munich Re from Germany who have transferred and stored millions of Euros. Commerzbank also from Germany has made the move of transferring their funds for vault storage.