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BTD6

All money generated by this farm is now stored in the bank and earns 15% interest every round.
~ In-game description

Monkey Bank is the 3rd upgrade on Path 2 for Banana Farm in Bloons TD 6. The Monkey Bank no longer drops bananas but instead generates money throughout the round, which is placed in its own "bank account", separate from that of other Monkey Banks. Money is stored in the Bank, capped to a maximum amount, and the money can be withdrawn via the Collect button at any time. All Banks also have a Collect All button that automatically withdraws all Banks.

It generates $225 per round which can be upgraded to $274 and $325 with the Increased Production and Greater Production upgrades, respectively. Monkey Bank with EZ Collect will highlight itself once it is full, while a Monkey Bank with the Banana Salvage upgrade will autocollect its balance when full after one round, on top of +10% sellback. It can store up to $7,000 and its capacity can be increased to $9,500 with the BiggerBanksIcon Bigger Banks MK. At the end of each round, the currently stored balance earns 15% interest. Therefore, a Monkey Bank can produce at least $259 per round at bare minimum when interest is taken into consideration. Selling a Monkey Bank will automatically withdraw the balance stored in the bank. As of Version 35.0, x-3-x and above Monkey Banks are affected by MoreValuableBananasIcon More Valuable Bananas.

This upgrade costs $3,100 on Easy, $3,650 on Medium, $3,940 on Hard, and $4,380 on Impoppable.

Description[]

Overview[]

Instead of a crate containing a banana tree, the Monkey Bank is a wooden building in a Wild West architectural style, stylized as an old-style bank. This rectangular wooden building erects a wooden display, which holds up a yellow double-crossed dollar sign above a wooden header that is supported by two wooden pillars. The Monkey Bank has a two-way door, which may represent a saloon door, although difficult to determine shape of the tops of the doors due to the angle at which the Monkey Bank is viewed. The building lays on top of a light-brown wooden deck. The top of the building's main body is dark-brown with some lighter-brown stripes.

In the game, the Monkey Bank has a few animations. When idle, the dollar sign slowly wiggles from left to right. If bank balance is collected, the Monkey Bank "hops", briefly extending its body vertically. With EZ Collect, the dollar sign glows if the bank capacity is full.

Crosspaths change appearance of the Monkey Bank. With Path 1 crosspaths, the Monkey Bank's deck gains a grey or yellow rock border on the outsides if crosspathed with Increased Production or Greater Production, respectively. With Path 2 crosspaths, the Monkey Bank receives two crates, one on each side, gaining either plain wooden crates (EZ Collect) or patterned blue crates with banana icons (Banana Salvage).

Banana Farm no longer drops collectable bananas that need to be manually picked up; instead, it is an automatic reserve bank that stores all its income into the bank, up to $7,000 ($9,500 with BiggerBanksIcon Bigger Banks). It stores an extra $225 per round ($274 with 1-3-0, $325 with 2-3-0) divided equally into 6 lump sums (7 with 1-3-0, 8 with 2-3-0), and is deposited into its own bank account. After the end of each round, the bank earns 15% interest in its account.

The calculation for the Monkey Bank's income generation goes like this:

  1. Automatically deposits a total amount of cash into the bank account, split into a certain quantity of equal lump sums.
  2. Generates interest at the end of each round.
  3. Repeat Step 1 and 2 until the bank capacity is surpassed, in which the bank capacity has become capped

Targeting Priorities[]

Monkey Bank, which stores money in its bank account, does not have a real targeting priority. Instead, it has different buttons that alter its behavior.

Monkey Bank comes with two "targeting priorities" by default: Collect, and Collect All. "Collect" withdraws all money from the current Bank, while "Collect All" withdraws all money from all Banks (including IMF Loans) on screen.

Costs[]

Updated as of Version 41.0. Listed prices exclude external buffs, any sacrifices, and Monkey Knowledge.
[Module | Data] Purchase Sell
Costs Easy Medium Hard Impoppable Easy Medium Hard Impoppable
Upgrade (X-3-X) $3,100 $3,650 $3,940 $4,380 -
Total (0-3-0) $5,095 $6,000 $6,480 $7,200 $3,567 $4,200 $4,536 $5,040
Crosspath (1-3-0) $5,520 $6,500 $7,020 $7,800 $3,864 $4,550 $4,914 $5,460
Crosspath (2-3-0) $6,030 $7,100 $7,670 $8,520 $4,221 $4,970 $5,369 $5,964
Crosspath (0-3-1) $5,305 $6,250 $6,750 $7,500 $3,714 $4,375 $4,725 $5,250
Crosspath (0-3-2) $5,475 $6,450 $6,965 $7,740 $3,833 $4,515 $4,876 $5,418

This upgrade's prices (or included crosspath's prices) are affected by the following MK: FlatPackBuildingsIcon Flat Pack Buildings, FarmSubsidyIcon Farm Subsidy, BetterSellDealsIcon Better Sell Deals

Strategy[]

Summary[]

The key strength of the Monkey Bank comes from extrapolating its income gain, which is done by storing cash over long numbers of rounds. When stored until max capacity, the Monkey Bank becomes one of the most efficient income producers in the entire game. In order to make the most of the Monkey Bank, it is best placed as early as possible without neglecting mid-game defense. Between Rounds 20-30 is generally the best time to start off the first Monkey Bank.

The main disadvantage of the Monkey Bank, however, is that early withdrawals harm its overall income generation efficiency. It takes several rounds in order to break even the stored income with an equivalent number of Farms, and the Bank does not directly generate income without interaction. By having a good defense, the player will be able to keep the Monkey Bank's bank account stored for longer periods, for a far better reward in the long run.

Generally speaking, the Monkey Bank is one of the easiest to spam its income potential in exchange for a different style of micromanagement. Instead of picking up bananas everywhere, the only real necessity to minimizing its income losses is checking each bank account after each round. Simply make use of the Collect and Collect All buttons to withdraw cash when Banks are full or approaching full.

As one of the strongest income generators for such a low-cost income generator, but requiring much time for peak efficiency, a Monkey Bank bought as soon as possible helps transition into much more powerful income generators later on. In basic farming strategies, a Monkey Bank is favorable for long-term income gain, whether it be for kickstarting the transition into various other income generation methods or to just spam more Monkey Banks for an easy form of income generation. This is in order to capitalize on Monkey Bank's incredible efficiency, which is almost incomparable to most other income sources in the game.

Tips[]

  • 2-3-0 is usually considered the far superior option over 0-3-2, due to the 2-3-0 Bank's far greater income gain per round. 0-3-2 is still a very viable option once a decent income flow begins, as the top path requires additional management compared to the benefit of automatic withdrawals from Banana Salvage.
  • A single 0-3-X Monkey Bank will reach maximum capacity at the same time as a 2-4-0 IMF Loan in almost all conditions. If the player is upgrading your banks to IMF Loan, having a 0-3-1 Monkey Bank helps to indicate when all banks are full without having to individually check on them.
  • The BiggerBanksIcon Bigger Banks MK increases bank capacity by +$2,500, from $7,000 to $9,500, which greatly improves the Monkey Banks farming potential.
  • Whenever using Monkey Banks, always try pairing with Benjamin. On later upgrades, Level 5+ and 9+, he grants +5% and +12% income for banks, respectively.
    • Benjamin's "interest" buff appears to be erroneous. He apparently does not actually buff the interest rate, but rather improves the total value of the automatic deposits per round by a set percentage. At some point, the description has been fixed and "interest" has been replaced by "income".
    • To calculate Benjamin's "interest" buff, multiply the current round's automatic deposit amount by 1.05 or 1.12, respectively, rather than adding percentages into the Bank's natural 15% interest. To reiterate, the Benjamin "interest" buff only affects the automatic deposits per round.
    • Additionally, it turns out that Ben's bonus income does not stack with the bonus income from MoreValuableBananasIcon More Valuable Bananas, meaning that the bonus 5% or 12% is only applied to the base income of $225/$274/$325 per round.
  • It is worth studying the rounds in the game, in order to prepare necessary defenses against possible difficult rounds and therefore reduce the risk of forcing out the bank investment too soon.
  • Try to make use of a double 2-0-0 Farm strategy that transitions into 2-2-0 and 2-0-2, in which the 2-0-2 will later be sold to afford an early 2-3-0 Monkey Bank. This is a common method to kickstart income but a rather easy strategy to pull off.
  • At the start of the round, it is a good idea to withdraw a Bank if its account is almost full. If a Bank's account is approximately $6,300 without BiggerBanksIcon Bigger Banks, or $8,800 with BiggerBanksIcon Bigger Banks, then emptying the Bank will be more efficient in terms of income generation.

Efficiency[]

Current information provided is (currently not) valid starting from Version 26.0, with the buff to Monkey City giving automatic deposits with +15% income instead of +10%.

Income earning per round (35.0-Present)[]

As of Version 35.0, Monkey Bank income generation is now affected by all external buffs, not just limited to Benjamin's increased cash packet buffs, and an undocumented change caused all Banks to produce a new amount of cash per round with the base amounts and crosspathing. Instead of $230/$270/$310 per round, the Bank now produces $225/$274/$325 per round, ignoring the added interest applied afterwards. Also, MoreValuableBananasIcon More Valuable Bananas now increases income generation of each cash packet. With it, the income per round is $233/$285/$338.

Also assumes that the BiggerBanksIcon Bigger Banks MK is active.

Monkey Bank + MoreValuableBananasIcon More Valuable Bananas
Round number 0/3/x 1/3/0 2/3/0 0/3/x + Benjamin Lvl 5 1/3/0 + Benjamin Lvl 5 2/3/0 + Benjamin Lvl 5 0/3/x + Benjamin Lvl 9 1/3/0 + Benjamin Lvl 9 2/3/0 + Benjamin Lvl 9
1 $269 $328 $388 279 341 403 293 358 424
2 $578 $707 $835 600 734 867 630 771 912
3 $934 $1142 $1349 970 1186 1401 1018 1245 1473
4 $1343 $1894 $2239 1395 1705 2015 1464 1791 2118
5 $1814 $2217 $2620 1884 2302 2721 1977 2419 2861
6 $2355 $2879 $3402 2446 2989 3533 2567 3140 3714
7 $2978 $3639 $4301 3092 3779 4467 3245 3970 4696
8 $3693 $4514 $5335 3835 4688 5540 4025 4925 5824
9 $4517 $5520 $6524 4690 5733 6775 4922 6022 7123
10 $5463 $6677 $7892 5673 6934 8195 5954 7284 8615
11 $6552 $8008 $9464 6804 8316 9500 7140 8736 9500
12 $7804 $9500 $9500 8104 9500 8504 9500
13 $9244 9500 9500
14 $9500
Profit Per Round (1 round Early) $711 $728 $860 $683 $733 $829 TBA TBA TBA
Profit Per Round (Capped) $679 $792 $792 $731 $792 $864 $731 $792 $864

And with City buff, with the post-v36.0 Monkey City that raises cash gain by +20% instead of +15%:

Monkey Bank + Monkey City +20% Income + MoreValuableBananasIcon More Valuable Bananas
Round number 0/3/x 1/3/0 2/3/0 0/3/x + Benjamin Lvl 5 1/3/0 + Benjamin Lvl 5 2/3/0 + Benjamin Lvl 5 0/3/x + Benjamin Lvl 9 1/3/0 + Benjamin Lvl 9 2/3/0 + Benjamin Lvl 9
1 $310 $379 $448 $TBA $TBA $TBA $TBA $TBA $TBA
2 $667 $815 $964 $TBA $TBA $TBA $TBA $TBA $TBA
3 $1078 $1317 $1557 $TBA $TBA $TBA $TBA $TBA $TBA
4 $1550 $1642 $1940 $TBA $TBA $TBA $TBA $TBA $TBA
5 $2093 $2558 $3023 $TBA $TBA $TBA $TBA $TBA $TBA
6 $2718 $3322 $3926 $TBA $TBA $TBA $TBA $TBA $TBA
7 $3436 $4199 $4963 $TBA $TBA $TBA $TBA $TBA $TBA
8 $4262 $5209 $6156 $TBA $TBA $TBA $TBA $TBA $TBA
9 $5212 $6370 $7528 $TBA $TBA $TBA $TBA $TBA $TBA
10 $6304 $7705 $9106 $TBA $TBA $TBA $TBA $TBA $TBA
11 $7560 $9240 $9500 $TBA $TBA $TBA $TBA $TBA $TBA
12 $9005 $9500 $TBA $TBA $TBA $TBA $TBA $TBA
13 $9500 $TBA $TBA $TBA $TBA $TBA $TBA
Profit Per Round (1 round Early) $TBA $TBA $TBA $TBA $TBA $TBA $TBA $TBA $TBA
Profit Per Round (Capped) $TBA $TBA $TBA $TBA $TBA $TBA $TBA $TBA $TBA

Income earning per round (26.0-34.3)[]

As of Version 26.0, Monkey City now has its bonus income buff improved from +10% to +15%, which subsequently changed the total stored income for Banks with City buff compared to without. Otherwise, Banks without that buff are the same.

Note: The table assumes that the Monkey Bank has been initially upgraded before the first round starts and that the result is given as when the round has ended (After interest has been applied).

Also assumes that the BiggerBanksIcon Bigger Banks MK is active.

Round number 0/3/x 1/3/0 2/3/0 0/3/x + Benjamin Lvl 5 1/3/0 + Benjamin Lvl 5 2/3/0 + Benjamin Lvl 5 0/3/x + Benjamin Lvl 9 1/3/0 + Benjamin Lvl 9 2/3/0 + Benjamin Lvl 9
1 $264 $310 $356 $277 $326 $374 $296 $348 $399
2 $568 $668 $766 $597 $700 $804 $637 $748 $858
3 $918 $1,078 $1,237 $964 $1,132 $1,299 $1,029 $1,208 $1,386
4 $1,320 $1,550 $1,780 $1,386 $1,627 $1,869 $1,479 $1,736 $1,994
5 $1,783 $2,093 $2,403 $1,872 $2,198 $2,523 $1,997 $2,345 $2,692
6 $2,315 $2,718 $3,120 $2,431 $2,853 $3,276 $2,593 $3,044 $3,495
7 $2,927 $3,436 $3,945 $3,073 $3,608 $4,142 $3,278 $3,849 $4,419
8 $3,630 $4,262 $4,893 $3,812 $4,475 $5,138 $4,066 $4,774 $5,481
9 $4,439 $5,212 $5,984 $4,661 $5,472 $6,283 $4,973 $5,837 $6,702
10 $5,370 $6,304 $7,238 $5,638 $6,619 $7,600 $6,015 $7,061 $8,107
11 $6,440 $7,560 $8,680 $6,762 $7,938 $9,114 $7,213 $8,468 $9,500
12 $7,670 $9,005 $9,500 $8,054 $9,455 $9,500 $8,591 $9,500
13 $9,086 $9,500 $9,500 $9,500 $9,500
14 $9,500
Profit Per Round (1 round Early) ~$699

~$750

~$789 ~$671 ~$788 ~$829 ~$716 ~$770 ~$811
Profit Per Round (Capped) ~$679 ~$731 ~$792 ~$731 ~$731 ~$792 ~$731 ~$792

~$864

And with City buff:

Note that as of 31.2, Monkey City does not seem to interact with Banks at all. Banks (or any of its upgrades) placed within range of a Monkey City will not generate additional income compared to one without. It is yet unknown whether this is a bug or an undocumented nerf.

Income earning per round (12.0-25.2)[]

As of Version 12.0, bank income bonus has decreased from +$160 to +$150 by default. Therefore, instead of at least $240 per round, this income gain is decreased to at least $230 per round.

Note: The table assumes that the Monkey Bank has been initially upgraded before the first round starts and that the result is given as when the round has ended. (After interest has been applied)

Also assumes that the Bigger Banks MK is known, and no manual deposits from the Bank Deposits MK are done. (See section below for info on Bank Deposits and their profits.)

Round number 0/3/x 1/3/0 2/3/0 0/3/x + Benjamin Lvl 5 1/3/0 + Benjamin Lvl 5 2/3/0 + Benjamin Lvl 5 0/3/x + Benjamin Lvl 9 1/3/0 + Benjamin Lvl 9 2/3/0 + Benjamin Lvl 9
1 $265 $311 $357 $278 $326 $374 $296 $348 $399
2 $569 $668 $766 $597 $701 $805 $637 $748 $858
3 $918 $1,078 $1,238 $964 $1,132 $1,300 $1,029 $1,208 $1,386
4 $1,321 $1,550 $1,780 $1,387 $1,628 $1,869 $1,479 $1,736 $1,994
5 $1,783 $2,094 $2,404 $1,873 $2,198 $2,524 $1,997 $2,345 $2,692
6 $2,315 $2,718 $3,121 $2,431 $2,854 $3,277 $2,593 $3,044 $3,495
7 $2,927 $3,436 $3,945 $3,074 $3,608 $4,143 $3,278 $3,849 $4,419
8 $3,631 $4,262 $4,894 $3,812 $4,475 $5,138 $4,066 $4,774 $5,481
9 $4,440 $5,212 $5,984 $4,662 $5,473 $6,289 $4,973 $5,837 $6,702
10 $5,370 $6,304 $7,238 $5,639 $6,620 $7,600 $6,015 $7,061 $8,107
11 $6,440 $7,560 $8,681 $6,762 $7,938 $9,115 $7,213 $8,468 $9,500
12 $7,671 $9,005 $9,500 $8,054 $9,455 $9,500 $8,591 $9,500
13 $9,086 $9,500 $9,500 $9,500 $9,500
14 $9,500
Profit Per Round (1 round Early) ~$699

~$750

~$789 ~$671 ~$788 ~$829 ~$716 ~$770 ~$811
Profit Per Round (Capped) ~$679 ~$731 ~$792 ~$731 ~$731 ~$792 ~$731 ~$792 ~$864


Starting of Version 17.0, the buff to Monkey City now allows nearby income-producers, such as Monkey Banks, to gain +10% more income per round. This applies for the income bonus, and it stacks on top of the current interest rate (in addition to interest buffs from Benjamin, if applicable).

Round number
(plus 0/0/4 Village)
0/3/x 1/3/0 2/3/0 0/3/x + Benjamin Lvl 5 1/3/0 + Benjamin Lvl 5 2/3/0 + Benjamin Lvl 5 0/3/x + Benjamin Lvl 9 1/3/0 + Benjamin Lvl 9 2/3/0 + Benjamin Lvl 9
1 $291 $342 $392 $305 $359 $412 $326 $383 $440
2 $626 $734 $843 $657 $771 $885 $701 $823 $945
3 $1010 $1186 $3558 $1061 $1245 $1430 $1132 $1329 $1526
4 $1453 $1705 $1958 $1525 $1791 $2056 $1628 $1911 $2194
5 $1962 $2303 $2644 $2060 $2418 $2776 $2198 $2580 $2962
6 $2547 $2990 $3433 $2674 $3139 $3604 $2854 $3350 $3846
7 $3220 $3780 $4340 $3381 $3969 $4557 $3608 $4235 $4862
8 $3994 $4688 $5383 $4194 $4923 $5652 $4475 $5253 $6031
9 $4884 $5733 $6583 $5128 $6020 $6912 $5472 $6423 $7375
10 $5907 $6935 $7962 $6203 $7281 $8360 $6619 $7769 $8920
11 $7084 $8316 $9500 $7439 $8732 $9500 $7938 $9317 $9500
12 $8438 $9500 $8860 $9500 $9455 $9500
13 9500 9500 $9500
Profit Per Round (1 round Early) ~$703 $756 ~$796 ~$738 ~$794 $836 ~$788 $847 $892
Profit Per Round (Capped) ~$731 ~$792 ~$864 ~$731 ~$792 ~$864 ~$731 ~$792 ~$864


Bank Deposits MK (19.0-26.2)[]

Adding Bank Deposits will almost always increase profit per round. However, after some testing and calculating, the most efficient strategy has made itself apparent, To save space in the table, assume that all farms have the 2/x/x upgrade.

The money is shown as the amount in the bank at the end of the round (after interest has been applied) and as if all deposits happened during the first round.

Calculations about the average profit per round for each scenario have been made. It is concluded it is more efficient to withdraw 1 round before the bank reaches its maximum capacity. The profit per round can be calculated by subtracting the amount of money in the bank by the amount deposited, then dividing by the round you withdrew on.

Example math: 2/3/0 bank after depositing 4750. withdrawing at the end of round 4.
9004-4750 = 4254,
4254 / 4 rounds = 1,063.5, rounded to 1,064 per round

2/3/0 Bank Deposit
4750
Deposit
4750 + Benjamin Lvl 5
Deposit
4750 + Benjamin Lvl 9
Deposit
7125
Deposit
7125 + Benjamin Lvl 5
Deposit
7125 + Benjamin Lvl 9
1 $5,107 $5,124 $5,149 $7,482 $7,499 $7,524
2 $6,229 $6,267 $6,321 $8,960 $8,999 $9,052
3 $7,520 $7,582 $7,668 $9,500 $9,500 $9,500
4 $9,004 $9,093 $9,218
5 $9,500 $9,500 $9,500

Profit Per Round (1 round Early)

~$1,064 ~$1,086 $1,117 ~$918 ~$939 ~$964
Profit Per Round (Capped) $950 $950 $950 ~$792 ~$792 ~$792

For information about the efficiency of bank deposits in IMF Loans, see IMF Loan #Efficiency.


Income earning per round (11.0-11.2)[]

As of Version 11.0, bank income bonus for Level 9+ Benjamin is increased to +12% instead of +8%.

Note: The table assumes that the Monkey Bank has been initially upgraded before the round starts and that the income is given as when after the round.

Round while full cash stored 0/3/x 1/3/0 2/3/0 0/3/x + Benjamin Lvl 5 1/3/0 + Benjamin Lvl 5 2/3/0 + Benjamin Lvl 5 0/3/x + Benjamin Lvl 9 1/3/0 + Benjamin Lvl 9 2/3/0 + Benjamin Lvl 9
1 276 322 368 290 338 386 309 361 412
2 593 692 791 623 671 831 665 775 886
3 958 1118 1278 1006 1109 1342 1073 1252 1431
4 1309 1608 1838 1447 1614 1929 1544 1801 2058
5 1782 2171 2481 1954 2198 2605 2084 2432 2779
6 2325 2819 3221 2537 2861 3382 2706 3157 3608
7 2953 3564 4027 3207 3628 4276 3421 3991 4561
8 3589 4420 4999 3978 4511 5256 4243 4950 5658
9 4403 5405 6116 4865 5525 6382 5189 6054 6918
10 5339 6538 7402 5884 6692 7726 6276 7332 8368
11 6347 7840 8834 7058 8034 9271 7450 8721 9500
12 7506 9339 9500 8391 9500 9500 8953 9500
13 8908 9500 9500 9500
14 9500

Income earning per round (7.0-10.1)[]

As of Version 7.0, bank account capacity is decreased for Monkey Banks, though IMF Loan bank account capacities remained the same.

Note: The table assumes that the Monkey Bank has been initially upgraded before the round starts and that the income is given as when after the round.

Round while full cash stored 0/3/x 1/3/0 2/3/0 0/3/x + Benjamin Lvl 5 1/3/0 + Benjamin Lvl 5 2/3/0 + Benjamin Lvl 5 0/3/x + Benjamin Lvl 9 1/3/0 + Benjamin Lvl 9 2/3/0 + Benjamin Lvl 9
1 276 322 368 290 338 386 298 348 397
2 593 692 791 623 671 831 641 748 854
3 958 1118 1278 1006 1109 1342 1035 1150 1380
4 1309 1608 1838 1447 1614 1929 1488 1670 1985
5 1782 2171 2481 1954 2198 2605 2010 2268 2680
6 2325 2819 3221 2537 2861 3382 2609 2956 3429
7 2953 3564 4027 3207 3628 4276 3224 3747 4341
8 3589 4420 4999 3978 4511 5256 4006 4657 5390
9 4403 5405 6116 4865 5525 6382 4830 5703 6569
10 5339 6538 7402 5884 6692 7726 5853 6907 7983
11 6347 7840 8834 7058 8034 9271 7029 8290 9500
12 7506 9339 9500 8391 9500 9500 8382 9500
13 8908 9500 9500 9500
14 9500

Income earning per round (pre-7.0)[]

The following is information regarding income earning per round for the Monkey Bank before the Version 7.0 nerf that lowers the maximum bank capacity. For Version 7.0 and later, the following is still true for IMF Loans' and Monkey-Nomic's bank accounts.

Note: The table assumes that the Monkey Bank has been initially upgraded before the round starts and that the income is given as when after the round.

Note 2: In BTD6 v3.x, the Monkey Bank does not appear to consistently calculate interest correctly for the 0/3/x and 1/3/0 banks. The following results are the maximum of three tests

Round while full cash stored 0/3/x 1/3/0 2/3/0 0/3/x + Benjamin Lvl 5 1/3/0 + Benjamin Lvl 5 2/3/0 + Benjamin Lvl 5 0/3/x + Benjamin Lvl 8 1/3/0 + Benjamin Lvl 8 2/3/0 + Benjamin Lvl 8
1 276 322 368 290 338 386 298 348 397
2 593 692 791 623 671 831 641 748 854
3 958 1118 1278 1006 1109 1342 1035 1150 1380
4 1309 1608 1838 1447 1614 1929 1488 1670 1985
5 1782 2171 2481 1954 2198 2605 2010 2268 2680
6 2325 2819 3221 2537 2861 3382 2609 2956 3429
7 2953 3564 4027 3207 3628 4276 3224 3747 4341
8 3589 4420 4999 3978 4511 5256 4006 4657 5390
9 4403 5405 6116 4865 5525 6382 4830 5703 6569
10 5339 6538 7402 5884 6692 7726 5853 6907 7983
11 6347 7840 8834 7058 8034 9271 7029 8290 9577
12 7506 9339 10481 8391 9561 11000 8382 9882 11412
13 8908 11008 12421 9867 11354 12500 9937 11654 12500
14 10520 12500 12500 11564 12500 11651 12500
15 12374 12500 12500
16 12500


Mathematics[]

Python code is written below as a demonstration of a rough model of a Monkey Bank simulation. Currently, this code does not take into account the presence of Benjamin's Bank buffs (multiply the total deposit per round by 1.05 or 1.12 for Level 5-8 and Level 9+, respectively).

Variables:

  • account: The bank balance of the current bank account. Code below declares it as $0 (0).
  • deposit: The total deposit per round into the current bank account. Code below declares it as $230 (230).
  • interestrate: The interest rate of the current bank account. Code below declares it as +15% per round (1.15).
  • capacity: The maximum bank capacity of the current bank account. Code below declares it as $7000 (7000).
  • i: The iterator that loops the number of "rounds" for the Bank to run. Please change the hardcoded maximum i value to whatever number of rounds you wish.
Python Code for Monkey Bank mathematics
class Bank:
    def __init__(self, account, capacity):
        self.account = account
        self.capacity = capacity
    
    def bankrun(self, deposit, interestrate):
        self.account += deposit
        if (self.account >= self.capacity):
            print("bank is full")
        else:
            print("Bank balance after deposits: %s" % self.account)
        self.account *= interestrate
        if (self.account >= self.capacity):
            print("bank is full")
        else:
            print("Bank balance after interest: %s" % self.account)
        return self.account
        
bank = Bank(0, 7000)
print(bank.account)
print(bank.capacity)

deposit = 230
interestrate = 1.15
print("Deposit: %s" % deposit)
print("Interest rate: %s" % interestrate)
for i in range(0, 15):
    print("Iteration %s" % (i + 1))
    bank.bankrun(deposit, interestrate)

Version History[]

Balance Changes[]

Monkey Banks are arguably one of the most cost-efficient income production towers in the whole game, especially with both its snowball income potential and its relatively lower micromanagement requirement. The Monkey Bank upgrade was nerfed multiple times in many different updates because of how cost-effective it was, although the addition of Benjamin and Bank Deposits has somewhat softened those nerfs. It was majorly nerfed again when the Monkey Bank's Bank Deposits privilege was revoked but left for IMF Loan. Although majorly nerfed, it received a buff in Version 40.0 to undo some of its nerfs, in competition with the one-Farm Monkeyopolis.

2.0
  • NERF Cost of Monkey Bank increased ($2800 → $3200).
4.0
  • NERF Cost of Monkey Bank increased ($3200 → $3300).
7.0
  • NERF Monkey Bank maximum capacity lowered from $10,000 to $7,000.
12.0
  • NERF Monkey Bank bonus income reduced (+$160 → +$150).
18.0
  • BUFF Added Monkey Knowledge Point "Bank Deposits": this MK allows the player to deposit money into the Monkey Bank, earning interest over time.
19.0
  • NERF Deposits do not gain income until 1 round after being deposited.
  • BUFF [Undocumented] Monkey Bank with EZ Collect (or Banana Salvage) will now glow upon detecting full once it adds another pocket of cash, rather than only just after the round it becomes full.
23.0
Monkey Bank is just too stonks even without Benjamin. This nerf shouldn't hurt it too much, but will make it snowball a little bit slower and balance with the other paths better.
~ Ninja Kiwi
  • NERF Monkey Bank costs more ($3300 → $3500).
27.0
Given the relatively low value and use case of upgrading Banks further to IMF Loan, the overall incredible power of the Bank Deposits MK on Banks, and the fact that Banks are majorly considered to be the most powerful farm; we have decided to limit this incredibly powerful Knowledge point [sic] until the IMF Loan to both reign it in and give a little more back to that lacking T4 upgrade.
~ Ninja Kiwi
28.0
Banana Farm's xx2 upgrade is the inferior crosspath, so we've amped up the utility with the lazy aspect so that if it's going to be inferior for production, it's at least going to be extra lazy & less far behind. [...]
~ Ninja Kiwi, referring to Banana Salvage
  • BUFF 0-3-2 Monkey Bank now autocollects at the end of the round it fills with no delay
31.2 (unknown date)
  • NERF [undocumented] Monkey Bank is no longer affected by Monkey City's income buff
34.0
Bank is a little too much more efficient than any other Banana Farm option, this price nerf should leave it so it really somewhat still is but not so far ahead.
~ Ninja Kiwi
  • NERF Monkey Bank cost increased $3500 → $3800
35.0
For sake of consistency we want Monkey Bank to increase in cash generation when used with sources that externally buff generation so everything works as expected, however along with this buff the current power of IMF loan on this path already feels too strong so we are lowering that power for IMF Loan in exchange.
~ Ninja Kiwi
  • BUFF x3x and above Monkey Bank will now increase in cash generation with external buffs
    • [Undocumented] This does not affect the cash granted from abilities of IMF Loan or Monkey-Nomics.
  • Change [Undocumented bug] Banks now make 180 cash per round by default, but are also affected by Valuable Bananas and by extension, MoreValuableBananasIcon More Valuable Bananas.
40.0
The current power of xx5 Village combined with previous nerfs to Middle Farm have it currently feeling underappreciated for farm profits, some slight price adjustment.
~ Ninja Kiwi
  • BUFF Monkey Bank cost reduced ($3800 → $3650)

Sounds[]

When the Bank's balance is collected until Version 14.0:

When the Bank's balance is collected since Version 31.0:

Gallery[]

Official artwork[]

Videos[]

Trivia[]

  • On Version 14.0 and later, Monkey Banks and their subsequent upgrades do not make bank collection sounds when collecting their accounts.
    • Interestingly enough, the autocollection from crosspathing with Banana Salvage didn't make an autocollection sound either, even before Version 14.0.
  • The name "Monkey Bank" is a play on "money bank".
  • According to Ninja Kiwi's May 7th 2021 blog, the monkeys inside Monkeys Banks profit by means of investing on "quantum markets". Automatic depositing in the Monkey Bank apparently allows monkeys investing on those markets to profit even within a short amount of time of leaving their deposits in the Bank. The same should apply to manual deposits, although it will take one additional round after depositing before the interest of manual deposits can begin due to the Version 19.0 Bank Deposits nerf.
  • Before the Beast Handler, Monkey Bank had the only upgrade icon that represents a non-mythical animal other than monkeys. In this case, that upgrade icon features a pig, representing a piggy bank.

Other Sources[]


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