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"Monkey Bank" redirects here. For the BTD5 counterpart, see Monkey Bank (BTD5).
For the Bloons Monkey City city building, see Monkey Bank (BMC).
All money generated by this farm is now stored in the bank and earns 15% interest every round.
~ BTD6 description

Monkey Bank is the 3rd upgrade on Path 2 for Banana Farm in Bloons TD 6. When a Banana Farm gets upgraded to Monkey Bank, the farm becomes a bank controlled by monkeys. The Monkey Bank no longer drops bananas but instead generates money throughout the round, which is placed in its very own "bank account", separate from that of other Monkey Banks.

It generates $230 per round which can be upgraded to $270 and $310 with the Increased Production and Greater Production upgrades, respectively. It can store up to $7,000 and can be increased to $9,500 with Bigger Banks. At the end of each round, the currently stored balance earns 15% interest. Therefore, a Monkey Bank can produce at least $265 per round at bare minimum when interest is taken into consideration.

Despite Path 3 upgrade crosspaths not seeming to be useful at increasing income, Path 3 upgrade crosspaths have utility usage. 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.

Unlike BTD5, selling a Monkey Bank will automatically withdraw the balance stored in the bank.

TipsEdit

  • 2-3-0 is usually far superior over 0-3-2, due to the 2-3-0 Bank's far greater income gain per round. With "Bank Deposits" MK, 0-3-2 is still a very viable option once a decent income flow begins, as the top path only affects the original automatic deposits, which would often become redundant compared to the benefit of automatic withdrawals.
  • The "Bigger Banks" (+$2500 bank capacity) and "Bank Deposits" (allows deposit of cash manually into each bank) Monkey Knowledge are very important MK for maximizing the potential of Monkey Bank farming.
  • Whenever using Monkey Banks, always try pairing with Benjamin. On later upgrades, Level 5+ and 9+, he grants +5% and +12% interest for banks, respectively.
  • With the "Bank Deposits" MK, the most efficient way to earn money from Monkey Banks out of a large sum of money is to maximize the possible income interest through the new money deposit functionality. Simply deposit twice into an empty bank at the start of the round, then after 2 rounds, withdraw the cash in the bank, and repeat. For the best results, pair with Path 1 upgrades for greater income generation efficiency.

StrategyEdit

SummaryEdit

Monkey Bank's main prowess comes from storing cash over long periods of time. 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 but at the same time having a relatively stable long-term 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. 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.

EfficiencyEdit

Income earning per round (12.0 and later)Edit

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 assume that 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

As of Version 17.0, the buff to Monkey City allowed 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 $3350 $3846
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 onwards)Edit

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 scenerio 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)Edit

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)Edit

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)Edit

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




Update History (BTD6)Edit

2.0

Nerf Cost of Monkey Bank increased ($2800 --> $3200)

3.0

Buff Addition of Benjamin the Code Monkey, who is able to increase the Bank interest rate

4.0

Nerf Cost of Monkey Bank increased ($3200 --> $3300)

7.0

Nerf Monkey Bank Max capacity lowered 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 just after the round it becomes full.

GalleryEdit

TriviaEdit

  • 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".
  • Although not mentioned in the patch notes, Monkey Banks with EZ Collect (or Banana Salvage) will now automatically glow upon detecting full, rather than glowing after the round it becomes full.
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