Users must be over 18 and have been an account holder on 20 April 2011.

Current account holders with the bank can get a rate of 5%.

But for some account holders, it is not that simple.

The number of account holders stood at over 450,000 members.

Were you able to get any information on the account holder?

The number of account holders has also grown, but less dramatically, from 1.82m to more than 4.4m.

Q. What if those same account holders have different addresses?

It will bear the name of an account holder who is unfamiliar to you.

The account holder would be paying taxes on the entire $10,000, even though he or she no longer has $4,000 of that money.

The system is based on trust between the "bank" and the account holders, hence the name.