This is about New Lands & Two Crowns.
For the shady fellow storing gems, see: Gem Keeper.

The Banker[1] is a nobleman who lives at the main building in the town center and who will store coins there when the Monarch drops coins to him. He will also produce a few extra coins as interest. He makes a good bank for protecting the Kingdom's treasure during the night as well as for stashing coins in preparation for the winter when the options for generating income are reduced.

Access[edit | edit source]

The bank will be available on an island after a town hall is built there. The Banker though will only show up during daytime, going out after the morning bell and hiding himself again in the building at sunset.

The Greed cannot attack him, because he'll never go out during waves, and will promptly take refuge if he sees a counterattack wave approaching during the day.

Depending on the destruction of portals, on the subsequent Greed waves, and on how long the Kingdom defenses take to defeat those waves, this behavior of the Banker can lead to situations in which Monarchs won't be able to access their bank account for a couple of days.

Deposit[edit | edit source]

When given fewer than ten coins, the Banker holds onto them, but they are considered as stored. When given 10 coins, he walks over to the castle doorway to visibly deposit them, and will then be ready to pick up more coins. This can be repeated up to an unknown maximum limit.[2]

Withdrawal[edit | edit source]

By standing or walking near the Banker, the Monarch will either withdraw a third of the coins stored or have their coin pouch filled to the top, whichever is smaller. The Banker allows unlimited withdrawals and deposits each day, although withdrawals are locked for the day as soon as a deposit of ten coins is made (to reduce frustration from accidentally withdrawing everything the Monarch just deposited.)

Total stored[edit | edit source]

A castle keep partially filled with coins.

The Monarch can approximately tell how much money is stored in the town hall/keep by observing the pile of coins inside. If there are fewer than approximately one hundred coins in the bank, the coin pile will visibly rise or fall while coins are being deposited or withdrawn via the Banker. If there are more coins in storage than this, the coin pile will not change, even though it looks like there is more space for it to rise. There is no limit to the number of coins the Monarch can give to the Banker.[2]

Interest[edit | edit source]

Interest earnings are daily and depend on the number of coins stored. When up to one hundred coins are stored, the Banker increases the number of coins stored by seven percent (rounded up) per day, and when more than one hundred coins are stored, the Banker contributes an extra 8 coins per day.[3]

Technically speaking if you store at least one hundred coins with the banker, every five days you can refill your coin purse completely. This will work every five days indefinitely by utilizing your earnings from interest alone.

Give money me, take friendship whoso list,
For friends are gone, come once adversity,
When money yet remaineth safe in chest,
That quickly can thee bring from misery;
Fair face show friends when riches do abound;
Come time of proof, farewell, they must away;
Believe me well, they are not to be found
If God but send thee once a lowering day.
Gold never starts aside, but in distress,
Finds ways enough to ease thine heaviness.[4]

Give money me, take friendship whoso list,
For friends are gone, come once adversity,
When money yet remaineth safe in chest,
That quickly can thee bring from misery;
Fair face show friends when riches do abound;
Come time of proof, farewell, they must away;
Believe me well, they are not to be found
If God but send thee once a lowering day.
Gold never starts aside, but in distress,
Finds ways enough to ease thine heaviness.[4]

 

Leaving the island[edit | edit source]

New Lands.png Kingdom: New Lands – All coins stored with the Banker are lost forever when the Monarch leaves the island, even if returning to the "same" island later on.

Two Crowns icon.png Kingdom Two Crowns – All coins stored with the Banker are kept when the Monarch leaves the island. The bank account in this case is very useful to quickly rebuild destroyed walls and pay tools for jobless subjects after a long period of decay.

References[edit | edit source]

  1. Also known as the Financier or the Treasurer.
  2. 2.0 2.1 Looking through local game files, a player found he had 419 coins stashed on Skull Island in Two Crowns. Screenshots and further details were share on Reddit, on 2nd September, 2020.
  3. A Complete Guide to "Kingdom: New Lands". Retrieved 25 January, 2018.
  4. Barnabe Googe on the Banker's Steam trading card.
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