Banker

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

The **Banker** is a useful nobleman living at the main building of the Kingdom, who will store coins there, and produce a few extra coins as interest, for the Monarch to withdraw them whenever in need.

## Access

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 at dawn, right after the morning bell, and hiding himself again in the building at sunset.
Being out for the entire morning and afternoon, the Banker is accessible for two minutes and forty five seconds (2m 45s) of real life time every normal in-game day.

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.

In Norse Lands the Banker's working hours are visibly shorter.

## Deposit

When given fewer than ten coins, the Banker holds onto them, but they are considered as stored. When given ten 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.

## Withdrawal

Withdrawals are allowed for Monarchs with at least seven coins in the bank.
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).

 *Kingdom Two Crowns* – If the Monarch is carrying gems, withdrawing will probably make the pouch overflow because the Banker does not account for them. As of the Conquest Update, the Banker no longer stops giving back coins on a day after receiving a deposit.

## Total stored

The player 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.

## Interest

Interest earnings are daily and depend on the number of coins stored.

 3
 101

If a total of only one or two coins have been deposited, there will be no interest, and that amount won't change with time.

If at least three, up to one hundred coins are stored, the Banker increases the funds by seven percent (rounded up) per day.

When more than one hundred coins are stored, the interest rate becomes a solid eight coins per day.

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.

## Leaving the island

Unlike the Gem Keeper, each Banker is rooted to the island he appeared on.

 *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.

 *Kingdom Two Crowns* – All coins stored with the Banker are *kept* when the Monarchs leave the island. When Monarchs lose their Crowns, all coins stored with the Banker will be available for the next Heirs on their respective islands.

## Usefulness

The Banker is a great option for protecting the Kingdom's treasure from the waves, as well as for stashing coins in preparation for the winter, when the options for generating coins are reduced.

 *Kingdom: New Lands* –
If the Merchant isn't available on the island, the interest from the Banker is the only source of income during the cold season.

 *Kingdom Two Crowns* –
When revisiting islands after a long period of decay, the Banker is very useful to quickly rebuild destroyed walls and pay tools for jobless subjects.

## Poem

>
>
>
> | “
> 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.
>
>  | „
>
>

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.

## History

**Banker access in Norse Lands**

In the first version of Norse Lands the Banker's working hours were drastically reduced.
They would go out in the middle of the morning, and return back to the building just after noon.
The total time they were accessible for withdrawals and deposits in this setting was fifty real life seconds (50s).

This represented a reduction to less than one third (~30%) of the time, if compared to the other settings.
It was even shorter than the time real life financial institutions are open to public.

Due to the change being that radical, it's being pointed out as a bug by a considerable amount of players while others believed it to be a design choice for the Vikings civilization to force players a different (and harder) playstyle for before and during the winter. While the developers did not confirm this as a bug, the working hours were extended with the release of patch 1.1.14.

## References

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*. 2 September 2020.
3. ↑ As explained in this thread
[1].
4. ↑ 4.0 4.1 Annoying accountant. *Reddit*. 20 November 2021.
5. ↑ *A Complete Guide to "Kingdom: New Lands"*. Retrieved 25 January 2018.
6. ↑ Barnabe Googe on the Banker's *Steam* trading card.