- "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.
Tips
- 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 unfill a Bank and then deposit into a single Bank three times. Purchase another 0-3-0 Bank and repeat the process until all reserved income money is depleted. Crosspaths are not necessary for this strategy. If done correctly, the following round should max out each applicable Bank on the following round, even without Path 1 crosspaths.
Strategy
Summary
Monkey Bank's main prowess comes from storing cash over long periods of time. When stored until max capacity, the Monkey Bank becomes literally the most efficient income producer 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.
Efficiency
Income earning per round (12.0 and later)
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)
| 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 |
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 |
Income earning per round (11.0-11.2)
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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.
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Income earning per round (7.0-10.1)
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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.
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Income earning per round (pre-7.0)
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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
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Update History (BTD6)
- 2.0
Cost of Monkey Bank increased ($2800 --> $3200)
- 3.0
Addition of Benjamin the Code Monkey, who is able to increase the Bank interest rate
- 4.0
Cost of Monkey Bank increased ($3200 --> $3300)
- 7.0
Monkey Bank Max capacity lowered to $7,000
- 12.0
Monkey Bank bonus income reduced (+$160 --> +$150)
- 18.0
Added Monkey Knowledge Point "Bank Deposits": this MK allows the player to deposit money into the Monkey Bank, earning interest over time
Gallery
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.
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