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Neopian Bank Interest

The National Neopian Bank is a place where you can safely keep your Neopoints. They cannot be stolen or affected in anyway by random events. (Keep in mind, though, that some random events can put you in negative on hand Neopoints!) You may withdraw Neopoints you store in the bank, up to fifteen times per day.

Collecting Interest

At the National Neopian, there is an interest program set up for all Neopians to take advantage of that allows you to collect a daily sum of Neopoints. As the amount of money you have in the bank increases, you can bump up your interest rate, which is good for you! You must collect your interest everyday in order to receive the Neopoints, and this needs to be done before you deposit or withdraw any Neopoints. It's a great way to make some extra money by doing nothing!

Below is an outline of each account type and the percentage of interest you would get with that account.

Available Interest Rates
Account Name Interest Rate Minimum Balance
Junior Saver 4.5% 0 NP
Neopian Student 5.5% 1,000 NP
Bronze Saver 6.0% 2,500 NP
Silver Saver 6.5% 5,000 NP
Super Gold Plus 7.0% 10,000 NP
Platinum Extra 7.5% 25,000 NP
Double Platinum 8.0% 50,000 NP
Triple Platinum 8.5% 75,000 NP
Diamond Deposit 9.0% 100,000 NP
Diamond Deposit Plus 9.5% 250,000 NP
Diamond Deposit Gold 10.0% 500,000 NP
Millionaire Platinum 10.5% 1,000,000 NP
Millionaire Double Platinum 11.0% 2,000,000 NP
Millionaire Mega-Platinum 11.5% 5,000,000 NP
Neopian Mega-Riches 12.0% 7,500,000 NP
Ultimate Riches! 12.5% 10,000,000 NP

Interest Calculator

You can use this calculator to figure out how many Neopoints you need to reach a certain daily interest amount. Simply select your current interest rate and type in how many Neopoints you have in the bank to get your current interest rate. You can then play around with the numbers to figure out what amount of NP you may need to get a certain daily interest. For example, you need 29,197,080 in the bank to get 10,000 NP in daily interest at the top interest rate!

Interest Calculator
Account Type:
Battleground Boon? +3% interest
Neopoints in the Bank: NP
Daily Interest: NP / day
Note: When going from daily interest to NP in the bank, due to rounding errors, there is a small margin of error.

Battleground Boon

It is possible to increase your interest rate by other means. Certain factions give the opportunity of activating the Bank Bribery boon if you side with them and they emerge victorious from the Battleground of the Obelisk. This boon allows you to temporarily increase your daily interest rate by 3% for the duration of the week-long truce. After that it will revert back to what it was before.

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This article was written by: Dave