Bank
Earn 3% daily interest you collect yourself, lock coins in 3/7/14-day term deposits for bigger returns, and track your net worth with Penny.
The MiroPets Bank, run by Penny the banker, keeps your savings safe and pays you to leave them there. It offers daily interest you collect yourself, plus term deposits for bigger returns.
Where to find it
- Direct link: /bank/
- Search for Bank.
Daily interest
Current live settings:
- Your bank balance earns 3% interest per day, capped at 300 coins.
- Interest is not automatic. Visit the Bank and press Collect - you can collect once per day, and interest that goes uncollected for a day is gone.
- Collected interest is added to your bank balance, so tomorrow's interest is calculated on the bigger total.
- The 300-coin cap is reached at a 10,000 balance. Above that, regular savings earn nothing extra - that is what term deposits are for.
Your Dashboard pops a reminder whenever interest is waiting, so a normal daily login will not miss it.
Term deposits
Lock coins from your bank balance for a fixed term and collect principal plus interest at maturity. Term deposits earn on top of the daily interest cap.
Current live rates:
- 3 days - +3% total
- 7 days - +8% total
- 14 days - +20% total
Rules:
- Each deposit is between 1,000 and 25,000 coins.
- One active deposit per term length, so up to three running at once.
- Coins come out of your bank balance (deposit to the Bank first).
- When the timer ends, return and press Collect - the payout lands in your bank balance.
- You can cancel early at any time: the full principal returns to your bank balance instantly, but all interest is forfeited.
Safety Deposit Box
Penny also rents private item storage. Anything you put in your box leaves your backpack entirely: it takes no backpack slots, nobody else can see it, and it stays there until you take it out. Open it from the Bank page or go straight to /bank/deposit-box.
Box sizes (rent is paid from your bank balance, not your pocket):
- Small - 100 item slots for 1,500 MPC per 30 days
- Medium - 300 item slots for 4,000 MPC per 30 days
- Large - 750 item slots for 9,000 MPC per 30 days
- Grand - 2,000 item slots for 20,000 MPC per 30 days
How it works:
- Rent covers 30 days. Auto-renew is on by default, so Penny takes the next period from your bank balance on the due date; switch it off and pay manually if you prefer. You can pay the next period early once fewer than 30 days remain.
- If the rent cannot be paid, the box is sealed: nothing goes in or out until you pay one period. Nothing inside is ever lost or sold, and no back-rent piles up - you only ever owe one period. Penny mails you three days before a due date you cannot cover.
- Only copies that are free to move can go in: not listed in your shop, not locked in a Haggle Hut trade, and not partly used.
- Stored items are invisible to every other feature. They cannot be eaten, used, listed, traded, cooked, donated, worn, or counted for quests until you take them out, and taking them out needs free backpack slots.
- Upgrade any time: you pay the bigger box's rent right away and a fresh 30-day lease starts. Downgrade only when the contents fit, and it takes effect at the next renewal. An empty box can be closed; rent already paid is not refunded.
- VIP members pay 50% less rent.
The value of everything in your box counts toward the net worth strip on the Bank page.
Net worth
The Bank page shows your whole financial picture in one strip: pocket coins, bank balance, coins locked in term deposits, your Stock Market portfolio value, and the grand total.
Transaction history
Every deposit, withdrawal, interest collection, and term deposit event is listed in the History section, with filters for Moves, Earnings, and Term Deposits. Stock dividends are paid directly into your bank balance and show up here too.
Saving strategy
- Bank coins you are not about to spend - pocket coins earn nothing and are easy to fritter away.
- A 10,000 balance maxes the daily interest at 300 coins. Push overflow beyond that into term deposits.
- The 14-day term pays the best rate (+20%); use it for coins you truly will not need, and keep a 3-day deposit rolling for flexibility.
- Never cancel a deposit that is close to maturing - you lose all the interest, not just part of it.
- Backpack overflowing? Rent a Safety Deposit Box instead of parking spare items in your shop at silly prices - the box is private, and the shop stays a shop.
- Make Penny part of your daily loop - see the Daily Routine Checklist.
