THE NATIONAL NEOPIAN BANK
The National Neopian Bank is where you can place your NeoPoints (NP) for safe keeping. To find the bank, first go to the shops section. This will bring to Neopia Central, where the main shops can be found. Here you will find the National Neopian Bank. This is where you go to store your NP.
Another way to get to the National Neopian Bank is by clicking on Pet Central, Your Items, and then clicking on the Bank icon that looks like a Greek temple. You will be able to jump from auctions, trades, shops, wizard, and more straight to the bank to deposit or withdraw NP and then right back into Neopia.
When you click the bank you will be greeted by the Skeith banker. If you dont have an account, he will ask you to make one and the screen will show a form to fill out. Fill this out and you are on your way to saving Neopoints.
Name: You can put your real name or just a fake one, it is for formal greetings from the banker.
Your Neopian Address: If you have a Neopian house for your pet then it will have an address, you will put your address here. It has places for more than one address incase you have a home for two or three of your pets.
Current Employment: Neopets can have jobs if you wish, this just asks what their job is, it is not requirred.
Annual Salary: This is how much your pet makes when he does his job, it too is not required.
Account Type: You will choose what type of account you can have from how many points your have. There are many types of accounts. The more NP you earn the more you can put in the bank, and as this grows your account type will go up. These are the account types you can choose from depending on your NP. The number in here ( ) is the minimum you can have to have that type, meaning you need at least 1,000 NP to be a Neopian Student. The interest is explained later.
Junior Saver (0) - 4.5% interest
Neopian Student (1,000) - 5.5% interest
Bronze Saver (2,500) - 6.0% interest
Silver Saver (5,000) - 6.5% interest
Super Gold Plus (10,000) - 7.0% interest
Platinum Extra (25,000) - 7.5% interest
Double Platinum (50,000) - 8.0% interest
Triple Platinum (75,000) - 8.5% interest
Diamon Deposit (100,000) - 9.0% interest
Diamond Deposit Plus (250,000) - 9.5% interest
Diamond Deposit Gold (500,000) - 10.0% interest
Millionaire Platinum (1,000,000) - 10.5% interest
Millionaire Double Platinum (2,000,000) - 11.0% interest
Millionaire Mega-Platinum (5,000,000) - 11.5% interest
Neopian Mega-Riches (7,500,000) - 12.0% interest
Ultimate Riches! (10,000,000) - 12.5% interest
Initial Deposit: How much you would like to put in the bank. You can put all or just some of your NP in the bank. Then Hit the "Sign Me Up" button.
When you have created your account there will be a new greeting when you visit the bank.
The National Neopian Bank
Good morning Sir/Madam. It's great to see you again. What can I do for you today?
Account Type :
Current Balance :
Interest Rate : (4.5% - 12.5% per year)
Yearly Interest : (divide current balance by 100 and multiply by interest rate)
The account type is what you have chosen. The current balance is how much you have in the bank. You also have an interest rate. The interest rate changes with the type of account you have. The yearly interest also increases with your balance and type. Daily interest equals yearly interest divided by 365. This interest is free neopoints that can be collected once every day. This is explained further down the page.
Deposit Neopoints
It will have a box that says "Amount in NP." If you wish to deposit (put in) NP into the bank you will type the amount in the box and hit deposit.
Make a Withdrawal
Another box will be here asking the same question "Amount in NP." When you are ready to buy something, you can come to the bank and withdraw (take out) points to use in shops, trades, and auction. Now the amount of NP you see at the top of the screen is how many NP you have with you to spend, not how much is in the bank. To get more points to spend, make a withdrawal at the bank, like shown. Be careful though on your withdrawals. If you withdraw Neopoints too many times a day (more than 15), the bank staff may get angry and refuse to serve you! If you wish, you can add a PIN (Protection In Neopia) number to your bank account so that if someone else ever gains access to your account, they can't take any points! If you enable this safety option, you will have to enter the number every time you want to withdraw neopoints.
Collect Daily Interest
The third part of the bank is the interest. The bank pays you to have an account. The interest is determined by how many points you have in the bank. This interest can only be collected once per day. This part is very important. You have to collect the interest yourself by clicking the "Collect Interest" button. Do this everyday and before you withdraw or deposit. You will not be able to collect interest if you make a withdrawal or deposit first.
"Oops! You have deposited and/or withdrawn Neopoints today. This means you will not be able to collect your interest until tomorrow. Sorry about this! Make sure you collect interest at the start of every day."
So make sure you collect your interest first. Even if your neopoints go below the value needed for a certain interest rate, your interest rate will not change.
Upgrade Your Account
Last but not least is the "Upgrade Account" part. When you have finally saved up enough NP, you can upgrade your account type. Upgrading your account type makes you get more daily interest. You will see a box with your account balance (how much you have), New Account (what type of account you would like to upgrade to), and Additional Deposit (how much you want to put in the bank to upgrade, dont forget to collect your interest).
This is how to use the bank, it is a very useful and safe place to keep your NP. And dont forget to collect your interest before you deposit or withdraw.
Page created by: PicklesDynasty
