Banking

Banking
Category	System

Banking is a System in SkyBlock that allows you to safely store your Coins and earn interest on them. It can be accessed directly in your SkyBlock Menu, via the Personal Bank Item, or by talking to any of the various Banking NPCs.

Banking

In the Banking Menu you can deposit Coins into the bank, withdraw Coins back to your purse, and view your recent transaction history.

Personal Bank Account


Deposit CoinsCurrent balance: 5,000,000 Store coins in the bank to keep them safe while you go on adventures! You will earn 2% interest every season for your first 10 million banked coins. Until interest: 12h	Withdraw CoinsCurrent balance: 5,000,000 Take your coins out of the bank in order to spend them.		Recent TransactionsUnknown map - 200,000, 30 secs ago by Steve + 200,000, 18 hours ago by Bank Interest + 5,000,000, 1 day ago by Steve

		InformationKeep your coins safe in the bank! You lose half the coins in your purse when dying in combat. Balance limit: 50 Million The banker rewards you every 31 hours with interest for the coins in your bank balance. Interest in: 12h Last interest: 100,000 coins Projected: 100,000 coins (2%)	Personal VaultStore your valuable items in a safe place that only you can access!

Interest

Every 31 hours3 SkyBlock Months you gain a percent of the current Coins in your Bank as interest.

Account	Interest Tranches		Max Interest
Account	Balance	%	Balance	Interest
Starter	10M	2%	15,000,000	+250,000
Starter	10M-15M	1%	15,000,000	+250,000
Gold	10M-20M	1%	20,000,000	+300,000
Deluxe	20M-30M	0.5%	30,000,000	+350,000
Super Deluxe	30M-50M	0.2%	50,000,000	+390,000
Premier	50M-160M	0.1%	160,000,000	+500,000
Luxurious	160M-5.1B	0.01%	5,160,000,000	+1,000,000
Palatial	5.1B-55B	0.001%	55,160,000,000	+1,500,000

Account Upgrades

You can upgrade your Bank Account to increase the amount of Coins it can hold, along with your interest rates.

Bank Account Upgrades


Starter AccountNot upgraded >------- Interest Tranches -------< First 10 million coins yields 2% interest. From 10 to 15 million yields 1% interest. Max interest: 250,000 (With 15,000,000 balance) >-------------------------------< Max balance: 50 Million Coins Cost:Complimentary This is your account!	Gold AccountBank Upgrade >------- Interest Tranches -------< First 10 million coins yields 2% interest. From 10 to 20 million yields 1% interest. Max interest: 300,000 (With 20,000,000 balance) >-------------------------------< Max balance: 100 Million Coins Cost 5,000,000 coins Enchanted Gold Block Requires 100k gold collection! Not enough coins!	Deluxe AccountBank Upgrade >------- Interest Tranches -------< First 10 million coins yields 2% interest. From 10 to 20 million yields 1% interest. From 20 to 30 million yields 0.5% interest. Max interest: 350,000 (With 30,000,000 balance) >-------------------------------< Max balance: 250 Million Coins Cost 10,000,000 coins Enchanted Gold Block x5 Requires Wealthy Museum Rank Requires 250k gold collection! Need previous upgrade!	Super Deluxe AccountBank Upgrade >------- Interest Tranches -------< First 10 million coins yields 2% interest. From 10 to 20 million yields 1% interest. From 20 to 30 million yields 0.5% interest. From 30 to 50 million yields 0.2% interest. Max interest: 390,000 (With 50,000,000 balance) >-------------------------------< Max balance: 500 Million Coins Cost 25,000,000 coins Enchanted Gold Block x20 Requires Prosperous Museum Rank Requires 500k gold collection! Need previous upgrade!	Premier AccountBank Upgrade >------- Interest Tranches -------< First 10 million coins yields 2% interest. From 10 to 20 million yields 1% interest. From 20 to 30 million yields 0.5% interest. From 30 to 50 million yields 0.2% interest. From 50 to 160 million yields 0.1% interest. Max interest: 500,000 (With 160,000,000 balance) >-------------------------------< Max balance: 1 Billion Coins Cost 50,000,000 coins Enchanted Gold Block x50 Requires Gilded Museum Rank Requires 1M gold collection! Need previous upgrade!	Luxurious AccountBank Upgrade >------- Interest Tranches-------< First 10M coins yields 2% interest. From 10M to 20M coins yields 1% interest. From 20M to 30M coins yields 0.5% interest. From 30M to 50M coins yields 0.2% interest. From 50M to 160M coins yields 0.1% interest. From 160M to 5.1B coins yields 0.01% interest. Max interest: 1,000,000 (With 5,160,000,000 balance) >-------------------------------< Max balance: 6 Billion Coins Cost 100,000,000 coins Enchanted Gold Block x100 Requires Affluent Museum Rank Requires 2M gold collection! Need previous upgrade!	Palatial AccountBank Upgrade >------- Interest Tranches -------< First 10M coins yields 2% interest. From 10M to 20M coins yields 1% interest. From 20M to 30M coins yields 0.5% interest. From 30M to 50M coins yields 0.2% interest. From 50M to 160M coins yields 0.1% interest. From 160M to 5.1B coins yields 0.01% interest. From 5.1B to 55B coins yields 0.001% interest. Max interest: 1,500,000 (With 55,160,000,000 balance) >---------------------------------< Max balance: 60 Billion Coins Cost 200,000,000 coins Enchanted Gold Block x200 Requires Palatial Museum Rank Requires 3M gold collection! Need previous upgrade!

Bank Account			Unlock Requirements
Name	Capacity	Max Interest	Coins	Enchanted Gold	Gold Collection	Museum Rank
Starter	50 Million	+250,000	None	None	None	None
Gold	100 Million	+300,000	5,000,000	x1 block	100k	None
Deluxe	250 Million	+350,000	10,000,000	x5 blocks	250k	Wealthy
Super Deluxe	500 Million	+390,000	25,000,000	x20 blocks	500k	Prosperous
Premier	1 Billion	+500,000	50,000,000	x50 blocks	1M	Gilded
Luxurious	6 Billion	+1,000,000	100,000,000	x100 blocks	2M	Affluent
Palatial	60 Billion	+1,500,000	200,000,000	x200 blocks	3M	Palatial

Co-op Bank

When in a Co-op Profile your Bank Account is shared with all co-op members. You also gain a Personal Bank Account with 20% of the capacity of your co-op bank account.

Personal Bank

The Personal Bank can be accessed through the SkyBlock Menu. It is unlocked at Emerald Collection VI and can be further upgraded by talking to Guy, who is located in the Village.

Upgrade Requirements		Personal Bank Cooldown
Emerald Collection	Coins	Personal Bank Cooldown
15,000	Free	1 hour
50,000	200,000	20 minutes
100,000	1,000,000	5 minutes
250,000	5,000,000	0 seconds

Personal Vault

For 10,000 Coins you can unlock a Personal Vault with 27 inventory slots located directly in your Bank menu. Items within this vault can be viewed by other players.

Personal Vault

Banker NPCs

These NPCs allow you to access the Banking System from various locations across SkyBlock.

Skin	Name	Location
Skin	Name	Zone	X	Y	Z
	Banker	Bank	-24	71	-58
	Barry	Jerry's Workshop	20	77	44
	Broadjaw	Dwarven Village	13	201	-148
	Belanor	Scarleton Bank	-84	108	-776
	Bruto	Dragontail Bank	-613	100	-787

Trivia

When Diaz is Mayor with the Barrier Street perk you gain 25% more interest.
Opening Dungeon Reward Chests takes Coins directly from your Bank Account.
When depositing & withdrawing Coins you can use "K", "M", & "B" in place of many 0's.
You can view your current Bank balance and Personal Vault contents via the Hypixel API. This can be disabled through your API Settings.

History

SkyBlock Prototype
June 11th, 2019	SkyBlock Release	Banking Added.
		Banker NPC Added.
December 17th, 2019	0.7.5	Banker Barry Added.
January 15th, 2021	Dwarven Mines Release	Banker Broadjaw Added.
September 23rd, 2020	0.9.3	Split up the bank on Co-ops into the Co-op Bank and Personal Banks.
		Personal Vault Added.
November 2nd, 2021	The Museum Release	Deluxe, Super Deluxe, and Premier upgrades now require certain Museum ranks.
		Luxurious and Palatial upgrades Added.
April 20th, 2022	Crimson Isle Release	Belanor Added.
		Bruto Added.
April 18th, 2023	0.18.3	Soulbound Items can now be placed in the Personal Vault.