Bank

The Bank is a location in the ⏣ Village where the Banker resides. Talking to them will allow the Player to make interactions with their account, including withdrawals and deposits.

Tasks

When the player first enters ⏣ Bank, they will be greeted with the following message:

NEW AREA DISCOVERED!

⏣ Bank

■ Talk to the Banker.

■ Store your coins to keep them safe.

■ Earn interest on your coins.

Interface[]

Tip: click on certain slots to change the UI or go to another article!

Personal Bank Account

Bank Deposit

64

32

Bank Withdrawal

64

32

Bank Account Upgrades

Banking System[]

Right-clicking a Banker will open the ⏣ Bank interface. The player will be presented with the following options:

Deposit coins
- Options available while depositing coins: depositing the whole purse, half the purse, or a specific amount.
Withdraw coins
- There are four options available while withdrawing coins: withdrawing everything on the account, half the account, 20% of the account, or a specific amount.
Transaction History
- Hovering over the map will display information about the last ten transactions done by the player and their co-op members, including the amount deposited/withdrawn and the time since.
Bank Upgrades
- This option is not initially visible and is only unlocked after the player has at least 10,000,000 coins in their bank at once for the first time.

At the end of every in-game season (31 hours), the player receives interest on their stored coins.

The first time you deposit coins in the bank, you get 10 free coins.

Coins stored in the Bank are not lost when the player dies.

Bank Upgrades[]

Players are able to upgrade their bank account with coins and Enchanted Gold Blocks after meeting the respective requirement in the Gold Collection. Upgrading the Bank account increases the maximum amount of coins able to be stored in the bank, and increases the maximum interest able to be gained. Upgrading Bank accounts also rewards SkyBlock XP.

At least 10,000,000 coins must be stored in the bank and the purse combined before the upgrade screen is unlocked.

Note: Interest is applied in brackets. As an example, if a player has 15,000,000 coins in a Starter Account, interest would be applied in the following manner:

2% interest is applied to the 10,000,000 coins (for 200,000 coins)
1% interest is applied to the next 5,000,000 coins spanning from 10 to 15 million (for 50,000 coins)

See the interest cap for more detailed information.

Account	Upgrade Requirements		Max Balance	Interest Tranches		Max Interest
Account	Cost	Other Collections	Range	Rate		Max Interest
Starter			50,000,000 coins	0-10M	2%	250,000 coins
Starter			50,000,000 coins	10-15M	1%	250,000 coins
Gold	+ 5M coins Total: 5,092,184 coins^ⓘ	100K Gold Collection	100,000,000 coins	0-10M	2%	300,000 coins
Gold	+ 5M coins Total: 5,092,184 coins^ⓘ	100K Gold Collection	100,000,000 coins	10-20M	1%	300,000 coins
Deluxe	5 + 10M coins Total: 10,460,919 coins^ⓘ	250K Gold Collection Wealthy Museum Rank	250,000,000 coins	0-10M	2%	350,000 coins
				10-20M	1%
				20-30M	0.5%
Super Deluxe	20 + 25M coins Total: 26,843,676 coins^ⓘ	500K Gold Collection Prosperous Museum Rank	500,000,000 coins	0-10M	2%	390,000 coins
				10-20M	1%
				20-30M	0.5%
				30-50M	0.2%
Premier	50 + 50M coins Total: 54,609,190 coins^ⓘ	1M Gold Collection Gilded Museum Rank	1,000,000,000 coins	0-10M	2%	500,000 coins
				10-20M	1%
				20-30M	0.5%
				30-50M	0.2%
				50-160M	0.1%
Luxurious	100 + 100M coins Total: 109,218,380 coins^ⓘ	2M Gold Collection Affluent Museum Rank	6,000,000,000 coins	0-10M	2%	1,000,000 coins
				10-20M	1%
				20-30M	0.5%
				30-50M	0.2%
				50-160M	0.1%
				160-5.1B	0.01%
Palatial	200 + 200M coins Total: 218,436,760 coins^ⓘ	3M Gold Collection Palatial Museum Rank	60,000,000,000 coins	0-10M	2%	1,500,000 coins
				10-20M	1%
				20-30M	0.5%
				30-50M	0.2%
				50-160M	0.1%
				160-5.1B	0.01%
				5.1B-55B	0.001%

For players in a co-op, their personal bank account (different from the personal bank item to quickly access the bank.) also scales with bank upgrades.

These appear to scale as 1/5th of the "normal" main bank. The values that have been able to tested are:

Starter: 10m balance limit, 2% interest on first 200k

Gold: 20m balance limit, 1% interest between 200k-400k

Deluxe: 50m balance limit, 0.5% interest between 400k-600k

Super Dulux: 100m balance limit, 0.2% interest between 700k-1m

Premier: 200m balance limit, 0.1% interest between 1m-3.2m

In order to fully upgrade the Bank account, a total of 390,000,000 coins and 376x Enchanted Gold Blocks (34,661,109 coins^ⓘ) are required.

Game Message[]

Condition		Message
Upon Receiving Interest		You have just received [#] coins as interest in your personal bank account!
Personal Bank Account	Upon Withdrawal	You have withdrawn [#] coins! You now have [#] coins in your account!
Personal Bank Account	Upon Deposit	You have deposited [#] coins! You now have [#] coins in your account!
Co-op Bank Account	Upon Withdrawal	Withdrew [#] coins! There's now [#] coins left in the account!
Co-op Bank Account	Upon Deposit	Deposited [#] coins! There's now [#] coins in the account!

Trivia[]

A maximum of 50,000,000 coins can be stored in a single bank account unless the player upgrades the bank account to higher tiers.
Assuming max interest and a cost of 200,000 coins per enchanted gold block, the time taken for each bank upgrade to pay off is as follows. The first bank upgrade takes about 135 days to pay off; the second upgrade takes about 284 days; the third takes upgrade 910 days; and the final upgrade takes 846 days to pay off (less than that of the third upgrade). Note no matter what upgrade the player has, once the player buys an upgrade, these will constantly be working towards making money back.
- Once the bank upgrade pays off, the player will start making a profit equal to the difference between the tier purchased and the previous tier every 31 hours.
When Diaz is mayor, all interest rates are increased by 25% (Multiplied by 1.25).

Gallery[]

History[]

SkyBlock Prototype
June 11, 2019	0.1	Added Bank.
June 26, 2019	0.4	Coins in the bank now round down instead of round up.
June 26, 2019	0.4	Fixed grammar for displaying 1 coin or less.
Aug 2, 2019	0.7	The bank interests are now capped at 300,000 coins of interest every SkyBlock season.
Sep 11, 2019	0.7.1	The bank deposit element in the bank now shows the time until next interest (same as the information element).
Oct 11, 2019	0.7.2	Bank interests can now only stack up to 2×.
		Bank interests now work based on the total amount of coins currently in the bank, with different interest rates for each coin range.
		Bank interests are now capped based on Bank Upgrades.
Dec 3, 2019		Piggy Bank can no longer be used for deposit coins.
Feb 21, 2020	0.7.6	Can now add "K" or "M" when withdrawing/depositing money for thousands or millions.
Feb 28, 2020		Updated the Bank to use an Escrow.
June 2, 2020	0.7.9	Added decimal support for the Bank.
July 17, 2020		Rounding removed during deposit and withdrawal.
Aug 13, 2020	0.8.1	Changed location and interface of the Bank.
Sep 23, 2020	0.9.3	Added Personal Bank Account for Co-op profiles.
Sep 23, 2020	0.9.3	Added the Vault.
Nov 2, 2021		Added Luxurious and Palatial bank upgrades.
Nov 2, 2021		Added Museum rank requirements.

Bank

NPCs

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