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.
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.
- Make Penny part of your daily loop - see the Daily Routine Checklist.
