There is no charge, to claim Wallet savings rewards, you need to initiate some action on that balance, so when claiming, we initiate withdraw of 0.001 HBD and cancel that withdraw on same transaction. That will trigger claiming interest balance. You can withdraw 0.001 HBD yourself manually that will also triggering claim only you would be decreasing your savings balance, but we implemented workaround so to speak.
SPK/LARYNX token has market, we will be adding that soon into ecency.com/market page, until then you can keep them or use different service to sell/buy them.