So they change (and pay) interest in "points" rather than cash. But it's still there, and it works the same way (e.g. you get higher interest on an account where you need to give notice of withdrawals than you do on an account where you can withdraw immediately). I guess this is a clever wheeze to extract money from savers - rather than paying them money you pay them points that they may not cash in immediately or at all - but I don't see the advantage for the user.