Just for what facts are worth, interest rates on savings account are a good 8x higher than 0.5%, at least in a lot of American banks right now. I'm not sure where you are exactly, but central bank rates have risen essentially everywhere, so you should absolutely be able to find better rates than that.
For $10,000 left sitting for 5 years, at 4% that becomes $12,100. At 0.5%, it's $10,250.