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The Banker, also known as the Financier or the Treasurer, is a unique subject who will store coins at the main building in the Town Center when the Monarch drops coins to him. He will also produce a few extra coins as interest. He makes a good bank for protecting the Kingdom's treasure during the night as well as for stashing coins in preparation for the long winter, when the options for generating income are greatly reduced.

Gold Storage

A castle keep (Town Center) partially filled with some coins.

When given fewer than 10 coins, the Banker holds onto them, but they are considered as stored. When given 10 coins, he walks over to the castle doorway to visibly deposit them, and will then be ready to pick up more coins. This can be repeated up to an unknown maximum limit.

By standing or walking near the Banker, the Monarch will either withdraw a third of the coins stored or have their coin pouch filled to the top, whichever is smaller. The Banker allows unlimited withdrawals and deposits each day, although withdrawals are locked for the day as soon as a deposit of 10 coins is made (to reduce frustration from accidentally withdrawing everything the Monarch just deposited).

The Monarch can approximately tell how much money is stored in the town hall/castle by observing the pile of coins inside. If there are fewer than approximately 100 coins in the bank, the coin pile will visibly rise or fall while coins are being deposited or withdrawn via the Banker. If there are more coins in storage than this, the coin pile will not change, even though it looks like there is more space for it to rise. There is no limit to the number of coins the Monarch gives to the Banker.

Interest earnings are daily and depend on the number of coins stored. When up to 100 coins are stored, the Banker increases the number of coins stored by 7% (rounded up) per day, and when more than 100 coins are stored, the Banker contributes an extra 8 coins per day.[1]

Techincally speaking if you store at least 100 coins with the banker, every 5 days you can refill your coinbag completely. This will work every 5 days indefinitely by utilising your earnings from interest alone.

Give money me, take friendship whoso list,
For friends are gone, come once adversity,
When money yet remaineth safe in chest,
That quickly can thee bring from misery;
Fair face show friends when riches do abound;
Come time of proof, farewell, they must away;
Believe me well, they are not to be found
If God but send thee once a lowering day.
Gold never starts aside, but in distress,
Finds ways enough to ease thine heaviness.

-- Poem by Barnabe Googe; appears on the Banker's Steam trading card

Trivia Edit

  • All coins a Monarch stores with the Banker are lost forever when the Monarch leaves the island, even if the Monarch returns to the same island later on. Where the coins go is a mystery, although they are most likely stolen by The Greed as the kingdom is destroyed, while a few coins are left behind to become the treasure chests found within ruins.

References Edit

  1. KarmicChaos. A Complete Guide to "Kingdom: New Lands" (Collab). Retrieved January 25 2018 from https://steamcommunity.com/sharedfiles/filedetails/?id=740733723
Kingdom Wiki Pages
Subjects
Villagers Archers Builders Farmers
Knights The Financier / Banker The Merchant Hermits
Structures
Town Center Walls Towers Farms
Siege Workshop & Catapult The Boat
Neutral
Vagrants (Camps) Wildlife Mounts Architecture Shrine
Statues Trees Ruins Signpost
The Greed
Greedlings Floaters Breeders Portals
Other Content
Blazons Islands Daycycle & Seasons Vendors & Tools
Coins Tax Chest Patch Notes Achievements
Strategy Unlockables Soundtrack Game Controls

Start a Discussion Discussions about Banker

  • Treasurer

    2 messages
    • So, if on my first island, for example, i stored 500 coins. When moving to the second island, does the treasurer brings my money along, or I j...
    • Treasury funds are not transferred to the next Island.
  • The collector

    3 messages
    • Allegedly, he will keep that money over night and in the morning, or whenever you come up to him, he will return some of the money, with intere...
    • After you give him enough coins (6-10 in my experience) he will deposit them in the castle’s treasury; there is a special animation for t...