0.04% is the real interest rate, and the nominal interest rate announced by ordinary banks is the annual interest rate, which can be found online:

Then your nominal interest rate is = (1+0.04%) 365 =14.46%, which is usury. It will be easier to borrow money. Of course, if your money can generate a return of more than 14.46%, such as in the securities market or other things, it will be profitable for you.

Finally, the greater the income, the greater the risk!