Banks & Loans — Protect and Grow Your Wealth

Why Use a Bank?

On CivSMP, death has a financial cost — you lose 10% of the money in your player account every time you die. That adds up fast, especially once you've built up significant wealth.

Banks are the solution. Deposit your money to keep it safe, earn passive interest, and access loans when you need a cash boost.

Banks are physical locations. Look for bank buildings scattered throughout Aldoria and the Overworld.

Interest Rates

Money stored in the bank doesn't just sit there — it earns interest every 8 hours.

• Interest is only generated while you're online
• Your interest rate depends on your bank score
• The higher your bank score, the better your rate

This makes banking a smart long-term strategy: the more consistently you play and bank, the faster your savings grow.

Bank Loans

Need money fast? Banks offer loans that give you an instant cash injection.

Here's what you need to know before taking one:

• Loans raise your bank score, which increases your interest rate
• Loan repayments are automatically deducted from your bank account
• If your bank account doesn't have enough, the payment comes from your player balance
• Managing loans and interest is a careful balancing act

Loans are best used for strategic investments — like buying a sponsored PlayerWarp slot or funding a big trading opportunity — not for day-to-day spending.

Nation Bank Accounts

Nations have their own shared bank accounts, separate from individual player banks.

• Nation bank — funded by member towns via /nation deposit <amount>. Pays for nation upkeep and unlocks the Bank achievement tier in /nmenu. Only the King can withdraw.

Pooling funds in these shared accounts is the best way to save up for big group goals — sponsored warps, cosmetic upgrades, or just making sure upkeep never lapses.

Tips

• Deposit after big earnings — Don't walk around with a huge balance exposed to death
• Stay online to earn interest — Interest only accrues while you're active
• Be cautious with loans — High bank scores mean higher interest on your savings, but also higher repayments
• Visit banks early — The sooner you start banking, the more interest you'll accumulate over time
• Keep town and nation banks separate from personal savings — they have different access controls and serve different purposes