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Bank Investment
April 11, 2026 at 07:57 AM
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The bank investment system in Crimson Desert allows players to grow their wealth passively by depositing gold bars into bank accounts and earning returns over time. Banks are located inside major cities such as Hernand, and the system becomes available once you acquire a Safety Deposit Box. Investing at the bank is one of the most reliable ways to generate passive income alongside trading and the Freesword Dispatch System. This guide walks through every step of the process, from opening your first deposit box to choosing the right risk strategy for your playstyle.
Before you can invest at a bank, you need to meet two requirements: purchasing a Safety Deposit Box and converting your silver into gold bars. Both steps are handled at the bank building itself.
Before you can invest at the bank, you need to register a strongbox first. This unlocks the investing capability and gives you a place to store your silver securely. Without the strongbox registration, the investment options will not appear at the bank counter.
Visit the bank building in Hernand or any other major city that has a bank. Speak with the bank clerk and purchase a Safety Deposit Box for 100 Silver. This is a one-time cost that unlocks the investment interface. Without the deposit box, you cannot access the investment menu at all. Think of this as the entry fee to the entire banking system.
Once you own a Safety Deposit Box, you can convert your Silver into gold bars at the same bank clerk. Gold bars are the currency used for investments. The conversion is reversible, so you can always exchange gold bars back into silver if you need liquid funds for other purchases. The minimum investment requires 500 Silver worth of gold bars, which means you need at least 600 Silver total to get started (100 for the deposit box plus 500 for the initial investment).
The conversion ratio at any bank is fixed at 500:1. That means 1 gold bar can be exchanged for 500 silver, and you can also purchase gold bars by paying 500 silver each. This makes gold bars a convenient way to store large sums of silver in compact form before depositing into the investment system.
The investment process is straightforward. After depositing gold bars into your Safety Deposit Box, you choose one of three risk tiers for your investment. Each tier has a different range of potential returns and a different level of risk. Once your investment is placed, returns are calculated every three in-game days.
Speak with the bank clerk and open the investment menu.
Deposit gold bars from your Safety Deposit Box into the investment pool.
Select a risk tier: Low Risk, Medium Risk, or High Risk.
Wait three in-game days for the investment cycle to complete.
Return to the bank to collect your returns (or absorb any losses).
Reinvest your principal and profits, or withdraw gold bars back to silver.
The three-day cycle runs on in-game time, not real-world time. Sleeping at inns, waiting at campfires, and progressing through quests all advance the in-game clock. The bank displays a projected return range and a risk threshold before you confirm each investment, so you always know what you are getting into before committing your gold bars.
The bank offers three distinct investment strategies. Each tier balances potential reward against the possibility of losing some or all of your invested gold bars.
Risk Tier | Potential Return | Risk of Loss | Best For |
|---|---|---|---|
Low Risk | 0% to 2% per cycle | None. Your principal is always safe. | Conservative players who want steady, guaranteed income over time. |
Medium Risk | 15% to 20% per cycle | Small chance of reduced returns or breaking even. | Players willing to accept mild uncertainty for significantly better returns. |
High Risk | 50% to 55% potential return per cycle | Can lose a portion of your invested gold bars. | Aggressive investors chasing maximum gains who can afford to lose capital. |
Each risk tier has a specific range of possible outcomes over a two-day investment cycle. The low-risk tier returns between 0% and +2%, meaning you never lose money but gains are minimal. The medium-risk tier swings between -15% and +20%, offering moderate upside with some chance of loss. The high-risk tier has the widest range at -50% to +55%, where you can lose half your investment or gain more than half on top.
The Low Risk tier provides returns between 0% and 2% every three in-game days. While the percentage sounds small, it is completely safe. Your deposited gold bars are never at risk, and you will always get back at least what you put in. The value of this tier comes from compounding: if you invest a large sum, even a 1% to 2% return generates meaningful income with zero downside. For players who have accumulated a large stockpile of silver from trade goods or other activities, parking a significant amount in low risk is one of the safest passive income strategies in the game.
The Medium Risk tier offers returns between 15% and 20% per cycle. The risk is moderate: there is a chance your returns fall below the projected range, but you are unlikely to lose your principal outright. This tier strikes a balance between safety and profitability. It works well for mid-game players who want better returns than low risk but are not prepared to gamble their savings on the high risk tier.
The High Risk tier can yield 50% to 55% returns per cycle, making it the most lucrative option by far. However, it comes with a real chance of losing a portion of your invested gold bars. If the market moves against you during the three-day cycle, you will receive back fewer gold bars than you deposited. This tier is designed for players with large reserves who can absorb occasional losses. The potential gains from a successful high-risk cycle can dwarf anything the other tiers produce, but a string of bad cycles can set you back significantly.
In practice, the high-risk tier can deliver returns of up to 55% per cycle. As a concrete example from player testing, depositing 8 gold bars (worth 4,000 silver) into the high-risk tier resulted in a payout of 5,935 silver after a single three-day cycle, a net gain of nearly 2,000 silver. Over five consecutive cycles with roughly 50% returns, an initial 6,000 silver deposit can compound to approximately 45,000 silver.
At that scale, even switching to the low-risk tier becomes lucrative: 2% of 45,000 silver is 900 silver every three days with zero risk of loss. This makes the high-risk tier an excellent springboard for players who are willing to save-scum their way through the volatile early cycles.
In practice, the high-risk tier can deliver returns of up to 55% per cycle. As a concrete example from player testing, depositing 8 gold bars (worth 4,000 silver) into the high-risk tier resulted in a payout of 5,935 silver after a single three-day cycle, a net gain of nearly 2,000 silver. Over five consecutive cycles with roughly 50% returns, an initial 6,000 silver deposit can compound to approximately 45,000 silver.
At that scale, even switching to the low-risk tier becomes lucrative: 2% of 45,000 silver is 900 silver every three days with zero risk of loss. This makes the high-risk tier an excellent springboard for players who are willing to save-scum their way through the volatile early cycles.
Every investment cycle lasts exactly three in-game days. When you place an investment, the bank interface displays a projected return range along with risk thresholds. These projections help you estimate your likely outcome before committing.
After the three-day cycle completes, return to the bank clerk to view your results. Profits are added directly to your Safety Deposit Box as gold bars. You can immediately reinvest, switch tiers, or withdraw everything to silver. There is no penalty for changing your strategy between cycles.
Experienced players have developed several approaches to maximize bank investment returns. Your choice of strategy depends on your risk tolerance, how much capital you have available, and how actively you want to manage your investments.
Large low-risk deposits: The most popular strategy is to invest a large amount in the low-risk tier. Since the principal is never at risk, you earn guaranteed returns every cycle. With a deposit of several thousand silver worth of gold bars, even a 1% to 2% return adds up quickly over multiple cycles.
Diversified approach: Split your gold bars across multiple risk tiers. Place the bulk in low risk for stability, a moderate amount in medium risk for better returns, and a small amount in high risk as a speculative bet. This way, a bad high-risk cycle never wipes out your entire portfolio.
High-risk sprints: If you have a large reserve and can afford to lose some gold bars, invest heavily in high risk for a few cycles. A successful 50% to 55% return on a large deposit can generate more income in one cycle than weeks of low-risk investing. Pull out and switch to low risk after a good run.
Timing with other income: Combine bank investment with packaged goods trading and dispatch missions. While your gold bars are earning returns at the bank, your camp generates trade income simultaneously. This creates multiple passive income streams.
Some players take advantage of the save system to guarantee high-risk returns. The technique works like this: save your game manually before the three-day investment cycle completes, then check the result. If the outcome is a loss, reload the save and wait for the cycle to resolve again. Because the outcome is determined at the moment the cycle ends, reloading can produce a different result. This approach eliminates the risk from the high-risk tier entirely, though it requires manual saves and patience.
Whether you consider this a legitimate strategy or an exploit is a matter of personal preference. The game does not prevent it, but it removes the intended risk/reward tradeoff that makes the investment system interesting.
A straightforward approach is to save your game before the investment matures. After depositing into the high-risk tier, rest for 12 hours at an inn or campfire to advance time. When the two-day cycle finishes, check your result. If the return is negative, reload the save and rest again for a different outcome. The investment result is determined when the cycle completes rather than when you deposit, so each reload produces a fresh roll.
A more refined version of the save-scum technique takes advantage of the investment timer. Instead of saving immediately after depositing, wait until the "applied in" countdown timer has roughly 5 minutes remaining. At that point, save your game, then deposit all of your gold bars into the high-risk tier. When the timer reaches zero, check your return. If the result is negative, reload the save and try again. Because the outcome is rolled at the moment the cycle completes (not when you deposit), each reload gives you a fresh random result.
This method is faster than the standard save-scum approach because you only wait a few minutes per attempt rather than sitting through a full three-day in-game cycle. Combined with time-skipping at campfires or inns to get the timer down to 5 minutes, you can cycle through attempts rapidly.
A more refined version of the save-scum technique takes advantage of the investment timer. Instead of saving immediately after depositing, wait until the "applied in" countdown timer has roughly 5 minutes remaining. At that point, save your game, then deposit all of your gold bars into the high-risk tier. When the timer reaches zero, check your return. If the result is negative, reload the save and try again. Because the outcome is rolled at the moment the cycle completes (not when you deposit), each reload gives you a fresh random result.
This method is faster than the standard save-scum approach because you only wait a few minutes per attempt rather than sitting through a full three-day in-game cycle. Combined with time-skipping at campfires or inns to get the timer down to 5 minutes, you can cycle through attempts rapidly.
Requirement | Cost | Notes |
|---|---|---|
Safety Deposit Box | 100 Silver (one-time) | Purchased from the bank clerk. Required to access the investment menu. |
Minimum Investment | 500 Silver (as gold bars) | The smallest amount you can invest in a single cycle. |
Total Startup Cost | 600 Silver minimum | 100 for the deposit box plus 500 for your first investment. |
Bank Location | Free | Banks are found in Hernand and other major cities throughout Pywel. |
Always keep some silver in reserve before investing. You still need silver for repairs, supplies, and other expenses.
The gold bar conversion at the bank is fully reversible. If you need silver urgently, you can withdraw gold bars and convert them back at any time.
Low risk is not flashy, but it is the most reliable way to grow your wealth over time. A 2% return on 5,000 silver is 100 silver every three in-game days with zero risk.
If you are new to the system, start with the low risk tier until you understand how cycles work. Switch to medium or high risk once you have built a comfortable buffer.
Check the Bank article for additional details on bank locations, gold bar acquisition through alchemy, and related crime mechanics.
Bank investment pairs well with the trade goods system. Use profits from wagon trading to fund larger bank deposits.
