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. (By contrast, some random events do steal Neopoints from your cash on hand!) You may withdraw Neopoints you store in the bank, up to fifteen times per day.
To put Neopoints into the bank, enter the amount of Neopoints you want input into the 'Amount' box within the 'Deposit Neopoints' box. You cannot input more Neopoints than you have sitting out on your account. Once you press the 'Deposit' button, a pop-up box will display, asking you to confirm the deposit. If you would like to, then select 'OK', if not select 'cancel'.
To take Neopoints out of the bank, you will need to enter the amount of Neopoints you want to take out in the 'Amount' box within the 'Make a Withdrawl' box. You cannot take out more than what you currently have in your bank account. If you have a 4 digit PIN setup, you will need to enter that code and the amount of Neopoints to take out, before you press the 'Withdraw' button. After the button is clicked, a pop-up box will display, asking you to confirm the withdraw from your bank. If you would like to, then select 'OK', if not select 'cancel'.
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.
|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|
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!
|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.|
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.
This article was written by: Dave