National Neopian Bank
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This page is under construction |
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| More data needed and better organization |
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The National Neopian Bank is the center of all commerce within all Neopia. Residing within Neopia Central, all Neopets and users keep their Neopoints safely placed within this bank's secure storage safes. Users who have a certain number of NP placed within their walls have a special interest rate they can place on their stored money, netting them a yearly interest.
Originally, the National Neopian worked like a real bank, and users could take out loans at March 21, 2000. Accounts began to be debited on March 23, 2000, taking an amount of NP each day. On May 20, 2000, this feature was taken away and never came back because too many users were abusing the system.
Interest Rates
| 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 % |
Collecting Interest
The interest is calculated as a daily distribution, rounded up. However, you have to collect your daily interest manually. To do this, visit the bank everyday. Before you make any transactions, find the "collect interest" button and click on it. If you do any transaction (deposit or withdraw) before you collect your interest, you will give up your interest of that day.
Safety Deposit Box
Added February 29, 2000, the safety deposit box (SDB for short) is a free service provided with an account at the National Neopian. It can store as many items as a user wants. Any items kept in the safety deposit box are safe from the Pant Devil, Sludging etc. It also means users can carry more items by placing items from their inventory into the SDB. Users access the Safety Deposit Box by clicking on the "Shops" task bar button and then on the "safe" image in the toolbar.
Trivia
- Storing 1000 different items in your safety deposit box gives you the Pack Rat Avatar.