NeoDex - User contributions [en]

National Neopian Bank

2010-03-24T22:49:22Z

68.84.182.197: /* Interest Rates */

{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' (commonly just ''The National Neopian''), based in [[Neopia Central]], is the only bank in [[Neopia]]. A financial institution, the National Neopian can store some or all of a user's [[Neopoints]] and keep them safe from [[random events]]. The National Neopian provides interest on the funds a user has invested in their account, an annual rate based on the account type (which itself depends on the size of the investment) which must be collected by the user daily.

When a user signs up for a bank account, they are also entitled to the use of a [[Safety Deposit Box]], in which they may store items instead of in their inventory, in order to keep them safe.

Users were able to acquire loans from [http://www.neopets.com/newfeatures/mar2000.phtml 21st March 2000], with repayments begining to be debited from the 23rd March 2000. Loans were removed, as they were being abused by users, on [http://www.neopets.com/newfeatures/may2000.phtml 20th May 2000], and since then National Neopian has not offered any lending facilities - in the form of [[wikipedia:overdrafts|overdrafts]], [[wikipedia:loans|loans]], or [[wikipedia:mortgages|mortgages]] - to users. An [[wikipedia:opt-in|opt-in]] [[wikipedia:PIN|PIN]] system, to protect a user's savings in the event another person accesses their account, was implemented on [http://www.neopets.com/nf.phtml?nf_date=2006-02-06 8th February 2006]. A PIN, [http://www.neopets.com/pin_prefs.phtml once set], gives the user five attempts to enter the correct four digit code when withdrawing Neopoints before the withdraw feature is locked for about an hour.

Up to fifteen individual withdrawals may be made per day, after which the bank staff get angry and refuse to serve the user.

The National Neopian is featured in the game [[Trouble at the National Neopian]].

==Signing Up==

When users initially sign up for a bank account, they are presented with sign-up form asking for the user's name, [[Neohome|Neopian address]], employment, annual [[wikipedia:salary|salary]], account type and initial deposit. Actual personal information isn't required - the form is for appearances only.

The list of jobs - all [[wikipedia:alliterative|alliterative]] - the form includes is as follows:

{|style="width:600px;margin-left:auto;margin-right:auto;"
|style="width:50%;"|
*[[Chia]] Custodian
*[[Wocky]] Warden
*[[Korbat]] Keeper
*[[Grarrl]] Guardian
*[[JubJub]] Janitor
*[[Lenny]] Librarian
*[[Kiko]] Caretaker
*[[Scorchio]] Supervisor
*[[Pteri]] Policeman
|style="width:50%;"|
*[[Blumaroo]] Babysitter
*[[Chomby]] Curator
*[[Nimmo]] Nurse
*[[Skeith]] Secretary
*[[Aisha]] Assistant
*[[Gelert]] Gardener
*[[Meerca]] Master
*[[Elephante]] Editor
*[[Quiggle]] [[wikipedia:quantum physics|Quantum Physicist]]
|}

The annual salary section includes the following options:

*10,000 NP and below
*10,000 to 25,000 NP
*25,001 to 40,000 NP
*40,001 to 60,000 NP
*60,001 to 90,000 NP
*90,001 to 120,000 NP
*120,001 NP and above

Upon signing up, all new applicants receive 90000 Neopoints.

==Interest==

Annual interest is calculate based on the account balance time the interest rate for the account type. This sum is divide by 365 (rounded up) to give a daily total for how much interest can be collected. Users must actively collect the daily interest manually, by clicking the ''Collect Interest'' button, which adds the interest directly into the account balance. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit for that day.

Interest is always calculated based on the current balance of a user's account - hence, as more neopoints are added (either deposited or collected as interest) or withdrawn, the amount of interest earned each day also changes.

===Interest Rates===
An interest rate is fixed for an account type. To upgrade an account to an account that pays more (or less) interest, a minimum balance must be reached. However, an account's balance can drop below this minimum amount after the account type is set to it without the account needing to be downgraded.

{|
|-style="background:#eeeeee;"
!Account Name !! Minimum Amount of NP !! Interest Rate (per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 11 NP || 99.9 %
|}

===Interest Rate Equations===

''annual rate of interest'' = (''daily interest'' / ''account balance'') * 999999999

''daily interest'' = (''annual rate of interest'' * ''account balance'') / 999999999

''account balance'' = (''daily interest'' * 999999999) / ''annual rate of interest'')

This third equation has been used to find out what balance is needed for a certain amount of daily interest, e.g.:

:''A user wants to make 1000 neopoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP.''

:''A user wants to make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.''

The following table can be used by multiplying the interest a user wants to earn in a day by the number in the first column that corresponds to their interest rate (APR).

{|
|-style="background-color:#eeeeee;"
!1 NP per day interest !! APR
|-
|8112 || 99.9%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

Figures in table above are rounded up, as the bank rounds up (for the purpose of giving NP in interest).

==Trivia==
*For [[April Fools' Day]] 2009, the bank lampooned the real-world [[wikipedia:Financial crisis of 2007–2009|credit crunch]] by saying that they were cutting interest rates, while claiming it had nothing to do with the economic situation and encouraging users to "bank with confidence". The [[Skeith]] bank manager was shown wearing a barrel, rather than his usual suit. Each listed interest rate went down by one percentage point, but the actual payout remained the same.

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258], [http://www.neopets.com/ntimes/index.phtml?section=editorial&week=388 388]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]

National Neopian Bank

2010-03-24T22:48:34Z

68.84.182.197: /* Interest Rate Equations */

{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' (commonly just ''The National Neopian''), based in [[Neopia Central]], is the only bank in [[Neopia]]. A financial institution, the National Neopian can store some or all of a user's [[Neopoints]] and keep them safe from [[random events]]. The National Neopian provides interest on the funds a user has invested in their account, an annual rate based on the account type (which itself depends on the size of the investment) which must be collected by the user daily.

When a user signs up for a bank account, they are also entitled to the use of a [[Safety Deposit Box]], in which they may store items instead of in their inventory, in order to keep them safe.

Users were able to acquire loans from [http://www.neopets.com/newfeatures/mar2000.phtml 21st March 2000], with repayments begining to be debited from the 23rd March 2000. Loans were removed, as they were being abused by users, on [http://www.neopets.com/newfeatures/may2000.phtml 20th May 2000], and since then National Neopian has not offered any lending facilities - in the form of [[wikipedia:overdrafts|overdrafts]], [[wikipedia:loans|loans]], or [[wikipedia:mortgages|mortgages]] - to users. An [[wikipedia:opt-in|opt-in]] [[wikipedia:PIN|PIN]] system, to protect a user's savings in the event another person accesses their account, was implemented on [http://www.neopets.com/nf.phtml?nf_date=2006-02-06 8th February 2006]. A PIN, [http://www.neopets.com/pin_prefs.phtml once set], gives the user five attempts to enter the correct four digit code when withdrawing Neopoints before the withdraw feature is locked for about an hour.

Up to fifteen individual withdrawals may be made per day, after which the bank staff get angry and refuse to serve the user.

The National Neopian is featured in the game [[Trouble at the National Neopian]].

==Signing Up==

When users initially sign up for a bank account, they are presented with sign-up form asking for the user's name, [[Neohome|Neopian address]], employment, annual [[wikipedia:salary|salary]], account type and initial deposit. Actual personal information isn't required - the form is for appearances only.

The list of jobs - all [[wikipedia:alliterative|alliterative]] - the form includes is as follows:

{|style="width:600px;margin-left:auto;margin-right:auto;"
|style="width:50%;"|
*[[Chia]] Custodian
*[[Wocky]] Warden
*[[Korbat]] Keeper
*[[Grarrl]] Guardian
*[[JubJub]] Janitor
*[[Lenny]] Librarian
*[[Kiko]] Caretaker
*[[Scorchio]] Supervisor
*[[Pteri]] Policeman
|style="width:50%;"|
*[[Blumaroo]] Babysitter
*[[Chomby]] Curator
*[[Nimmo]] Nurse
*[[Skeith]] Secretary
*[[Aisha]] Assistant
*[[Gelert]] Gardener
*[[Meerca]] Master
*[[Elephante]] Editor
*[[Quiggle]] [[wikipedia:quantum physics|Quantum Physicist]]
|}

The annual salary section includes the following options:

*10,000 NP and below
*10,000 to 25,000 NP
*25,001 to 40,000 NP
*40,001 to 60,000 NP
*60,001 to 90,000 NP
*90,001 to 120,000 NP
*120,001 NP and above

Upon signing up, all new applicants receive 90000 Neopoints.

==Interest==

Annual interest is calculate based on the account balance time the interest rate for the account type. This sum is divide by 365 (rounded up) to give a daily total for how much interest can be collected. Users must actively collect the daily interest manually, by clicking the ''Collect Interest'' button, which adds the interest directly into the account balance. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit for that day.

Interest is always calculated based on the current balance of a user's account - hence, as more neopoints are added (either deposited or collected as interest) or withdrawn, the amount of interest earned each day also changes.

===Interest Rates===
An interest rate is fixed for an account type. To upgrade an account to an account that pays more (or less) interest, a minimum balance must be reached. However, an account's balance can drop below this minimum amount after the account type is set to it without the account needing to be downgraded.

{|
|-style="background:#eeeeee;"
!Account Name !! Minimum Amount of NP !! Interest Rate (per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 10,000,000 NP || 12.5 %
|}

===Interest Rate Equations===

''annual rate of interest'' = (''daily interest'' / ''account balance'') * 999999999

''daily interest'' = (''annual rate of interest'' * ''account balance'') / 999999999

''account balance'' = (''daily interest'' * 999999999) / ''annual rate of interest'')

This third equation has been used to find out what balance is needed for a certain amount of daily interest, e.g.:

:''A user wants to make 1000 neopoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP.''

:''A user wants to make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.''

The following table can be used by multiplying the interest a user wants to earn in a day by the number in the first column that corresponds to their interest rate (APR).

{|
|-style="background-color:#eeeeee;"
!1 NP per day interest !! APR
|-
|8112 || 99.9%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

Figures in table above are rounded up, as the bank rounds up (for the purpose of giving NP in interest).

==Trivia==
*For [[April Fools' Day]] 2009, the bank lampooned the real-world [[wikipedia:Financial crisis of 2007–2009|credit crunch]] by saying that they were cutting interest rates, while claiming it had nothing to do with the economic situation and encouraging users to "bank with confidence". The [[Skeith]] bank manager was shown wearing a barrel, rather than his usual suit. Each listed interest rate went down by one percentage point, but the actual payout remained the same.

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258], [http://www.neopets.com/ntimes/index.phtml?section=editorial&week=388 388]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]

National Neopian Bank

2010-03-24T22:46:37Z

68.84.182.197: /* Signing Up */

{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' (commonly just ''The National Neopian''), based in [[Neopia Central]], is the only bank in [[Neopia]]. A financial institution, the National Neopian can store some or all of a user's [[Neopoints]] and keep them safe from [[random events]]. The National Neopian provides interest on the funds a user has invested in their account, an annual rate based on the account type (which itself depends on the size of the investment) which must be collected by the user daily.

When a user signs up for a bank account, they are also entitled to the use of a [[Safety Deposit Box]], in which they may store items instead of in their inventory, in order to keep them safe.

Users were able to acquire loans from [http://www.neopets.com/newfeatures/mar2000.phtml 21st March 2000], with repayments begining to be debited from the 23rd March 2000. Loans were removed, as they were being abused by users, on [http://www.neopets.com/newfeatures/may2000.phtml 20th May 2000], and since then National Neopian has not offered any lending facilities - in the form of [[wikipedia:overdrafts|overdrafts]], [[wikipedia:loans|loans]], or [[wikipedia:mortgages|mortgages]] - to users. An [[wikipedia:opt-in|opt-in]] [[wikipedia:PIN|PIN]] system, to protect a user's savings in the event another person accesses their account, was implemented on [http://www.neopets.com/nf.phtml?nf_date=2006-02-06 8th February 2006]. A PIN, [http://www.neopets.com/pin_prefs.phtml once set], gives the user five attempts to enter the correct four digit code when withdrawing Neopoints before the withdraw feature is locked for about an hour.

Up to fifteen individual withdrawals may be made per day, after which the bank staff get angry and refuse to serve the user.

The National Neopian is featured in the game [[Trouble at the National Neopian]].

==Signing Up==

When users initially sign up for a bank account, they are presented with sign-up form asking for the user's name, [[Neohome|Neopian address]], employment, annual [[wikipedia:salary|salary]], account type and initial deposit. Actual personal information isn't required - the form is for appearances only.

The list of jobs - all [[wikipedia:alliterative|alliterative]] - the form includes is as follows:

{|style="width:600px;margin-left:auto;margin-right:auto;"
|style="width:50%;"|
*[[Chia]] Custodian
*[[Wocky]] Warden
*[[Korbat]] Keeper
*[[Grarrl]] Guardian
*[[JubJub]] Janitor
*[[Lenny]] Librarian
*[[Kiko]] Caretaker
*[[Scorchio]] Supervisor
*[[Pteri]] Policeman
|style="width:50%;"|
*[[Blumaroo]] Babysitter
*[[Chomby]] Curator
*[[Nimmo]] Nurse
*[[Skeith]] Secretary
*[[Aisha]] Assistant
*[[Gelert]] Gardener
*[[Meerca]] Master
*[[Elephante]] Editor
*[[Quiggle]] [[wikipedia:quantum physics|Quantum Physicist]]
|}

The annual salary section includes the following options:

*10,000 NP and below
*10,000 to 25,000 NP
*25,001 to 40,000 NP
*40,001 to 60,000 NP
*60,001 to 90,000 NP
*90,001 to 120,000 NP
*120,001 NP and above

Upon signing up, all new applicants receive 90000 Neopoints.

==Interest==

Annual interest is calculate based on the account balance time the interest rate for the account type. This sum is divide by 365 (rounded up) to give a daily total for how much interest can be collected. Users must actively collect the daily interest manually, by clicking the ''Collect Interest'' button, which adds the interest directly into the account balance. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit for that day.

Interest is always calculated based on the current balance of a user's account - hence, as more neopoints are added (either deposited or collected as interest) or withdrawn, the amount of interest earned each day also changes.

===Interest Rates===
An interest rate is fixed for an account type. To upgrade an account to an account that pays more (or less) interest, a minimum balance must be reached. However, an account's balance can drop below this minimum amount after the account type is set to it without the account needing to be downgraded.

{|
|-style="background:#eeeeee;"
!Account Name !! Minimum Amount of NP !! Interest Rate (per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 10,000,000 NP || 12.5 %
|}

===Interest Rate Equations===

''annual rate of interest'' = (''daily interest'' / ''account balance'') * 365

''daily interest'' = (''annual rate of interest'' * ''account balance'') / 365

''account balance'' = (''daily interest'' * 365) / ''annual rate of interest'')

This third equation has been used to find out what balance is needed for a certain amount of daily interest, e.g.:

:''A user wants to make 1000 neopoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP.''

:''A user wants to make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.''

The following table can be used by multiplying the interest a user wants to earn in a day by the number in the first column that corresponds to their interest rate (APR).

{|
|-style="background-color:#eeeeee;"
!1 NP per day interest !! APR
|-
|8112 || 4.5%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

Figures in table above are rounded up, as the bank rounds up (for the purpose of giving NP in interest).

==Trivia==
*For [[April Fools' Day]] 2009, the bank lampooned the real-world [[wikipedia:Financial crisis of 2007–2009|credit crunch]] by saying that they were cutting interest rates, while claiming it had nothing to do with the economic situation and encouraging users to "bank with confidence". The [[Skeith]] bank manager was shown wearing a barrel, rather than his usual suit. Each listed interest rate went down by one percentage point, but the actual payout remained the same.

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258], [http://www.neopets.com/ntimes/index.phtml?section=editorial&week=388 388]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]

Neopoints

2010-03-24T22:41:16Z

68.84.182.197: /* Regular */

{{construction|reason=Proper article to write on the history, use, and changes of the Neopoint.}}

'''Neopoints''' (or '''NP''') are the currency used in [[Neopia]]. Neopoints can be gained through playing [[Game]]s, buying and selling [[item]]s in [[shop]]s or shares on the [[Stock Market]], and through winning various [[Contest]]s.

Neopoints don't have 'physical' denominations, that is, they are not items like [[Dubloons]]. There have been several ways of representing Neopoints attempted in various games and random events, the most successful of these being the ''swagbag''. These are usually labelled with their various amounts (usually 10, 50, 100, 500, 750, or 5000) or occasionally a question mark signifying an unknown quantity. 

In a [[Neopian Times]] editorial, it was stated that a 1 [[NP]] coin was small and gold. The Bag Of Broken Neopoints supports this, as broken gold coins are seen spilling from the bag.

==Random Events==
Neopoints are a large part of [[Random Event]]s, where random happenings around [[Neopets]] give you a little or a lot of Neopoints...

===Regular===
*''Some messy person has spilled 10 '''NeoPoints''' on the floor on this page. You hastily pick them up!''
*''Some messy person has spilled 100 '''NeoPoints''' on the floor on this page. You hastily pick them up!''
*''Congratulations, (tristans_1_1_1), you just found 100000000 '''NeoPoints''' on the floor!''
*''Congratulations, (username), you just found 5000 '''NeoPoints''' on the floor!!!''
*''Congratulations, (username), you just found 2000 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 29999 '''Neopoints''' on the floor!!!''
*''Congratulations, (username), you just found 58987 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 66 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 177 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 44444 '''Neopoints''' on the floor!''
*''For a lost tooth, the [[Tooth Faerie]] gives you (random number of) '''NeoPoints'''!!!''
*''Congratulations, (username), you found the Secret [[Mystery Island]] Treasure of (random number of) '''Neopoints'''!!!!!!!''
*''A Ghost takes (random number of) '''Neopoints''' from you and puts it on the money tree!''
*''A Ghost cackles insanely and steals (random number of) '''Neopoints''' from you...''
*''The incessant mewing of a [[Greedy Kadoatie|Mutant Kadoatie]] drives you completely mad, and you give its owner 5,000 '''Neopoints''' to take it away!''
*''Not been paying your bills eh? The [[Tax Beast]] arrives and takes 10% if your '''Neopoints''' away.''
*''[[Dr. Sloth]] has his "associates" take 20% of your '''Neopoints''' away to support his next Neopian invasion effort.''
*''The Bug Brothers jump up and steal (random number of) '''Neopoints'''!!''
*''Oh look, a delicious biscuit is on the floor. You bend down to pick it up, and spin around - somebody has stolen (random number of) '''NP''' from you while you were distracted!''
*''Icy Skeletons surround you and steal (random number of) '''Neopoints'''!''
*''All your '''Neopoints''' have been stolen, and all your [[items]], and all your [[Neopets|pets]] are sick, and your stocks have ... oh wait, it was just a horrible, horrible dream.''

===Winter===
*''You have stumbled upon the great Ice Treasure of ( number of) ''' 1000000 np '''!!!''

===Tyrannian===
*''A fungus ball is sitting on this page... and it EXPLODES!. You get confused and drop (random number of) '''Neopoints''' :(''

==Trivia==
*When referring to large sums of Neopoints, it is common for users to abbreviate one thousand Neopoints to ''k'', which stands for ''kilo''. ''Kilo'' comes from the [[Wikipedia:Greek|Greek]] word for ''thousand'' and is used by [[Wikipedia:SI|SI]] to denote 103: 10k NP, for example, represents 10,000 NP.
*On February 28, 2000, if a user had less than 100 NP at the end of the day, it would be raised back to 100. This has been discontinued.
*A ''Bag of Neopoints'' can be received from [[Underwater Fishing]], which can be repaired at the [[Toy Repair Shop]], giving a maximum of 100,000 Neopoints. Users were allowed to gain unlimited amounts of Neopoints from it when the toy is broken despite numerous times fixing, but the glitch was soon fixed and the users cheating were [[frozen]].

==See also==
*'''Neopian Currency:''' [[Codestone]], [[Dubloon]], [[Lutari Feather]], [[Neocash]], [[Nerkmid]]

==External links==
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=3 Bag of Neopoints], [http://www.neopets.com/tcg/displayCard.phtml?edid=10&id=1 Bag of Neopoints (2nd Print)]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=6 Neopoints FAQ], [http://www.neopets.com/help_search.phtml?help_id=28 I am not getting Neopoints from the games!], [http://www.neopets.com/help_search.phtml?help_id=148 How to give someone their item and collect your NeoPoints], [http://www.neopets.com/help_search.phtml?help_id=164 What is the referral program?], [http://www.neopets.com/help_search.phtml?help_id=298 Is it true that Coltzans Shrine gives out 1 million Neopoints?], [http://www.neopets.com/help_search.phtml?help_id=320 How do you know if you have a winning lottery ticket?], [http://www.neopets.com/help_search.phtml?help_id=345 What does 100K mean?]
*'''Editorial:''' [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=255 255]

[[Category: Neopets Terminology]]
[[Category:Currencies]]

Neopoints

2010-03-24T22:39:34Z

68.84.182.197: /* Trivia */

{{construction|reason=Proper article to write on the history, use, and changes of the Neopoint.}}

'''Neopoints''' (or '''NP''') are the currency used in [[Neopia]]. Neopoints can be gained through playing [[Game]]s, buying and selling [[item]]s in [[shop]]s or shares on the [[Stock Market]], and through winning various [[Contest]]s.

Neopoints don't have 'physical' denominations, that is, they are not items like [[Dubloons]]. There have been several ways of representing Neopoints attempted in various games and random events, the most successful of these being the ''swagbag''. These are usually labelled with their various amounts (usually 10, 50, 100, 500, 750, or 5000) or occasionally a question mark signifying an unknown quantity. 

In a [[Neopian Times]] editorial, it was stated that a 1 [[NP]] coin was small and gold. The Bag Of Broken Neopoints supports this, as broken gold coins are seen spilling from the bag.

==Random Events==
Neopoints are a large part of [[Random Event]]s, where random happenings around [[Neopets]] give you a little or a lot of Neopoints...

===Regular===
*''Some messy person has spilled 10 '''NeoPoints''' on the floor on this page. You hastily pick them up!''
*''Some messy person has spilled 100 '''NeoPoints''' on the floor on this page. You hastily pick them up!''
*''Congratulations, (username), you just found 20 '''NeoPoints''' on the floor!''
*''Congratulations, (username), you just found 50 '''NeoPoints''' on the floor!!!''
*''Congratulations, (username), you just found 100 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 200 '''Neopoints''' on the floor!!!''
*''Congratulations, (username), you just found 500 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 750 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 1000 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 5000 '''Neopoints''' on the floor!''
*''For a lost tooth, the [[Tooth Faerie]] gives you (random number of) '''NeoPoints'''!!!''
*''Congratulations, (username), you found the Secret [[Mystery Island]] Treasure of (random number of) '''Neopoints'''!!!!!!!''
*''A Ghost takes (random number of) '''Neopoints''' from you and puts it on the money tree!''
*''A Ghost cackles insanely and steals (random number of) '''Neopoints''' from you...''
*''The incessant mewing of a [[Greedy Kadoatie|Mutant Kadoatie]] drives you completely mad, and you give its owner 5,000 '''Neopoints''' to take it away!''
*''Not been paying your bills eh? The [[Tax Beast]] arrives and takes 10% if your '''Neopoints''' away.''
*''[[Dr. Sloth]] has his "associates" take 20% of your '''Neopoints''' away to support his next Neopian invasion effort.''
*''The Bug Brothers jump up and steal (random number of) '''Neopoints'''!!''
*''Oh look, a delicious biscuit is on the floor. You bend down to pick it up, and spin around - somebody has stolen (random number of) '''NP''' from you while you were distracted!''
*''Icy Skeletons surround you and steal (random number of) '''Neopoints'''!''
*''All your '''Neopoints''' have been stolen, and all your [[items]], and all your [[Neopets|pets]] are sick, and your stocks have ... oh wait, it was just a horrible, horrible dream.''

===Winter===
*''You have stumbled upon the great Ice Treasure of ( number of) ''' 1000000 np '''!!!''

===Tyrannian===
*''A fungus ball is sitting on this page... and it EXPLODES!. You get confused and drop (random number of) '''Neopoints''' :(''

==Trivia==
*When referring to large sums of Neopoints, it is common for users to abbreviate one thousand Neopoints to ''k'', which stands for ''kilo''. ''Kilo'' comes from the [[Wikipedia:Greek|Greek]] word for ''thousand'' and is used by [[Wikipedia:SI|SI]] to denote 103: 10k NP, for example, represents 10,000 NP.
*On February 28, 2000, if a user had less than 100 NP at the end of the day, it would be raised back to 100. This has been discontinued.
*A ''Bag of Neopoints'' can be received from [[Underwater Fishing]], which can be repaired at the [[Toy Repair Shop]], giving a maximum of 100,000 Neopoints. Users were allowed to gain unlimited amounts of Neopoints from it when the toy is broken despite numerous times fixing, but the glitch was soon fixed and the users cheating were [[frozen]].

==See also==
*'''Neopian Currency:''' [[Codestone]], [[Dubloon]], [[Lutari Feather]], [[Neocash]], [[Nerkmid]]

==External links==
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=3 Bag of Neopoints], [http://www.neopets.com/tcg/displayCard.phtml?edid=10&id=1 Bag of Neopoints (2nd Print)]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=6 Neopoints FAQ], [http://www.neopets.com/help_search.phtml?help_id=28 I am not getting Neopoints from the games!], [http://www.neopets.com/help_search.phtml?help_id=148 How to give someone their item and collect your NeoPoints], [http://www.neopets.com/help_search.phtml?help_id=164 What is the referral program?], [http://www.neopets.com/help_search.phtml?help_id=298 Is it true that Coltzans Shrine gives out 1 million Neopoints?], [http://www.neopets.com/help_search.phtml?help_id=320 How do you know if you have a winning lottery ticket?], [http://www.neopets.com/help_search.phtml?help_id=345 What does 100K mean?]
*'''Editorial:''' [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=255 255]

[[Category: Neopets Terminology]]
[[Category:Currencies]]

Neopoints

2010-03-24T22:37:52Z

68.84.182.197: /* Winter */

{{construction|reason=Proper article to write on the history, use, and changes of the Neopoint.}}

'''Neopoints''' (or '''NP''') are the currency used in [[Neopia]]. Neopoints can be gained through playing [[Game]]s, buying and selling [[item]]s in [[shop]]s or shares on the [[Stock Market]], and through winning various [[Contest]]s.

Neopoints don't have 'physical' denominations, that is, they are not items like [[Dubloons]]. There have been several ways of representing Neopoints attempted in various games and random events, the most successful of these being the ''swagbag''. These are usually labelled with their various amounts (usually 10, 50, 100, 500, 750, or 5000) or occasionally a question mark signifying an unknown quantity. 

In a [[Neopian Times]] editorial, it was stated that a 1 [[NP]] coin was small and gold. The Bag Of Broken Neopoints supports this, as broken gold coins are seen spilling from the bag.

==Random Events==
Neopoints are a large part of [[Random Event]]s, where random happenings around [[Neopets]] give you a little or a lot of Neopoints...

===Regular===
*''Some messy person has spilled 10 '''NeoPoints''' on the floor on this page. You hastily pick them up!''
*''Some messy person has spilled 100 '''NeoPoints''' on the floor on this page. You hastily pick them up!''
*''Congratulations, (username), you just found 20 '''NeoPoints''' on the floor!''
*''Congratulations, (username), you just found 50 '''NeoPoints''' on the floor!!!''
*''Congratulations, (username), you just found 100 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 200 '''Neopoints''' on the floor!!!''
*''Congratulations, (username), you just found 500 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 750 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 1000 '''Neopoints''' on the floor!''
*''Congratulations, (username), you just found 5000 '''Neopoints''' on the floor!''
*''For a lost tooth, the [[Tooth Faerie]] gives you (random number of) '''NeoPoints'''!!!''
*''Congratulations, (username), you found the Secret [[Mystery Island]] Treasure of (random number of) '''Neopoints'''!!!!!!!''
*''A Ghost takes (random number of) '''Neopoints''' from you and puts it on the money tree!''
*''A Ghost cackles insanely and steals (random number of) '''Neopoints''' from you...''
*''The incessant mewing of a [[Greedy Kadoatie|Mutant Kadoatie]] drives you completely mad, and you give its owner 5,000 '''Neopoints''' to take it away!''
*''Not been paying your bills eh? The [[Tax Beast]] arrives and takes 10% if your '''Neopoints''' away.''
*''[[Dr. Sloth]] has his "associates" take 20% of your '''Neopoints''' away to support his next Neopian invasion effort.''
*''The Bug Brothers jump up and steal (random number of) '''Neopoints'''!!''
*''Oh look, a delicious biscuit is on the floor. You bend down to pick it up, and spin around - somebody has stolen (random number of) '''NP''' from you while you were distracted!''
*''Icy Skeletons surround you and steal (random number of) '''Neopoints'''!''
*''All your '''Neopoints''' have been stolen, and all your [[items]], and all your [[Neopets|pets]] are sick, and your stocks have ... oh wait, it was just a horrible, horrible dream.''

===Winter===
*''You have stumbled upon the great Ice Treasure of ( number of) ''' 1000000 np '''!!!''

===Tyrannian===
*''A fungus ball is sitting on this page... and it EXPLODES!. You get confused and drop (random number of) '''Neopoints''' :(''

==Trivia==
*When referring to large sums of Neopoints, it is common for users to abbreviate one thousand Neopoints to ''k'', which stands for ''kilo''. ''Kilo'' comes from the [[Wikipedia:Greek|Greek]] word for ''thousand'' and is used by [[Wikipedia:SI|SI]] to denote 103: 10k NP, for example, represents 10,000 NP.
*On February 28, 2000, if a user had less than 100 NP at the end of the day, it would be raised back to 100. This has been discontinued.
*A ''Bag of Broken Neopoints'' can be received from [[Underwater Fishing]], which can be repaired at the [[Toy Repair Shop]], giving a maximum of 2,000 Neopoints. Users were allowed to gain unlimited amounts of Neopoints from it when the toy is broken despite numerous times fixing, but the glitch was soon fixed and the users cheating were [[frozen]].

==See also==
*'''Neopian Currency:''' [[Codestone]], [[Dubloon]], [[Lutari Feather]], [[Neocash]], [[Nerkmid]]

==External links==
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=3 Bag of Neopoints], [http://www.neopets.com/tcg/displayCard.phtml?edid=10&id=1 Bag of Neopoints (2nd Print)]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=6 Neopoints FAQ], [http://www.neopets.com/help_search.phtml?help_id=28 I am not getting Neopoints from the games!], [http://www.neopets.com/help_search.phtml?help_id=148 How to give someone their item and collect your NeoPoints], [http://www.neopets.com/help_search.phtml?help_id=164 What is the referral program?], [http://www.neopets.com/help_search.phtml?help_id=298 Is it true that Coltzans Shrine gives out 1 million Neopoints?], [http://www.neopets.com/help_search.phtml?help_id=320 How do you know if you have a winning lottery ticket?], [http://www.neopets.com/help_search.phtml?help_id=345 What does 100K mean?]
*'''Editorial:''' [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=255 255]

[[Category: Neopets Terminology]]
[[Category:Currencies]]