Revision 11

Overview

The Bank is a financial facility found in major settlements across Pywel. It allows players to convert silver into gold bars, store wealth securely in a personal strongbox, and invest gold bars for passive income over time. The bank is one of the primary late-game wealth management tools available to Kliff, and it rewards patience with steady returns that accumulate while the player goes about other activities.

Banks function like a real-world investment account. After opening a personal strongbox and depositing gold bars, the player selects an investment strategy ranging from conservative to aggressive. Returns are paid out in silver at regular intervals, and the chosen strategy determines both the potential profit and the risk of losing the invested gold bar entirely.

Location

The first bank most players encounter is located in the northern part of Hernand Town, within the northwest district of the city. It is marked with a "?" icon on the map under the environment tab. Banks can be found in almost all major settlements in Pywel, and opening an account at one bank grants access to the same account at every other bank in the game world.

To find the Hernand bank, head north from the central market area toward the upper streets of the city. The building is distinguishable by its interior layout, which includes counters on the ground floor and strongbox storage on the upper floor.

All banks are interconnected. The investment portfolio, deposited gold bars, and accumulated returns are shared across every bank in the game. Starting an investment in Hernand Town and collecting the returns at a bank in another settlement works identically. There is no advantage to using one bank over another; the only consideration is convenience based on the player's current location.

Bank Locations and Merchants

There are six banks confirmed across Pywel, each staffed by a named merchant NPC. All six banks share the same inventory and the same account, so the player's strongbox balance, deposited gold bars, and accumulated investment returns are accessible at every location.

How to Open an Account

Before investing, the player must purchase a Personal Strongbox Permit from the bank. This permit costs 100 silver and is a one-time purchase. Once bought, the permit activates the player's strongbox at every bank across Pywel, so it only needs to be purchased once.

After obtaining the permit, the player needs at least one gold bar to begin investing. Gold bars can be purchased directly at the bank by exchanging 500 silver for 1 gold bar. Gold bars can also be exchanged back to 500 silver at any time, making them a fully reversible form of currency storage.

The total startup cost for a first investment is 600 silver: 100 silver for the Personal Strongbox Permit plus 500 silver for the first gold bar.

Setup Costs

Bank Inventory

All six banks sell the same two items from their merchant interface. Prices are listed in copper; 100 copper equals 1 silver.

How Investing Works

Once the player has a gold bar in their possession and a Personal Strongbox Permit, they can visit any bank and select the "Deposit Gold Bar" option. After depositing the gold bar, the player is prompted to choose an Investment Strategy. There are three strategies available, each with different risk and reward profiles.

After selecting a strategy, the bank begins generating returns. The investment system recalculates payouts approximately every three in-game days. The player must return to any bank to collect their earnings, which are paid out in silver. The longer the player waits between collections, the more silver accumulates.

Players can deposit multiple gold bars to increase their passive income. There is no confirmed hard cap on the number of gold bars that can be invested simultaneously. Each additional gold bar deposited increases the base on which returns are calculated, making larger portfolios significantly more profitable over time.

Investment Strategies

The bank offers three investment strategies. Each strategy has a different payout range and level of risk. The player can change their active investment strategy once every 15 in-game days, so the choice should be made carefully.

Low-Risk Strategy

The Low-Risk strategy is the most conservative option. It guarantees a return between 0% and 2% of the invested gold bar's value per payout cycle. At 500 silver per gold bar, this translates to roughly 0 to 10 silver per payout. While the earnings are modest, there is virtually no chance of losing the invested gold bar. This strategy suits players who want safe, predictable returns.

Medium-Risk Strategy

The Medium-Risk strategy is described by the game as a "bold investment" and offers returns ranging from -15% to +20% per payout cycle. On a single gold bar worth 500 silver, a positive result of 20% yields 100 silver, while a bad cycle can lose up to 75 silver (15% of 500). Player reports confirm that actual payouts within this range vary; one documented payout was 85 silver (a 17% return) while another was 30 silver (a 6% return), suggesting some randomization within the stated bounds. Despite the possibility of small losses, this is widely considered the best balance between risk and reward for most players.

High-Risk Strategy

The High-Risk strategy is the most aggressive option, with potential returns ranging from -50% to +55% per payout cycle. A single gold bar could yield up to 275 silver in a strong payout. However, the downside is equally extreme: a -50% result means losing 250 silver worth of value from the invested gold bar. Players who choose this option should only invest gold bars they can afford to lose, and they may want to keep a reserve of silver or additional gold bars to recover from potential losses. When combined with the save scum method described below, the downside risk can be eliminated entirely.

Payout Schedule

The bank recalculates investment returns approximately every three in-game days. Players should visit a bank regularly to collect accumulated silver payouts. There is no penalty for waiting longer between collections; uncollected returns appear to stack up until the player visits.

Because payouts happen on a rolling schedule, the bank works best as a background income source. Players can check in periodically between quests, exploration, and other activities to collect their earnings. Over the course of a long playthrough, even the Medium-Risk strategy on a few gold bars can accumulate significant passive wealth.

Save Scumming Investments

Players can exploit the investment system's payout timing to guarantee positive returns through save scumming. The bank recalculates returns approximately every three in-game days. By saving the game shortly before a payout is due (around the three-minute mark before the timer expires), players can check the result and reload if the return is negative.

The technique works because walking away from the bank and returning causes the timer to reset with a different randomized result. This lets players re-roll unfavorable outcomes until they get a positive return. Combined with the High-Risk or Medium-Risk strategy, this method eliminates the downside risk entirely while preserving the high upside potential.

Documented Returns

The following table shows real returns observed using the save scum method with an aggressive (High-Risk) strategy on a single gold bar:

Note that when your accumulated silver exceeds 500, the bank automatically converts it into a gold bar. This is beneficial since it increases your invested capital without requiring a manual deposit. Over several payout cycles, a single starting gold bar can snowball into multiple gold bars through this auto-conversion.

Gold Bar Conversion

The bank serves as a currency exchange where silver and gold bars can be freely converted. The exchange rate is fixed at 500 silver per gold bar in both directions. Converting silver into gold bars and then investing them is the primary way to generate passive income. Converting gold bars back into silver is useful when the player needs liquid funds for immediate purchases such as weapon refinement, crafting materials, or cooking ingredients.

Copper coins, the smallest denomination in the game, are automatically converted to silver at a rate of 100 copper to 1 silver. This conversion happens passively as the player accumulates copper through loot drops and quest rewards.

Warning about vendor sales: While the bank exchanges gold bars at the standard rate of 500 silver, selling a gold bar to a regular NPC vendor yields only 190 silver, a massive loss of 310 silver per bar. Always convert gold bars at the bank rather than selling them to vendors. If a gold bar is accidentally sold to a vendor, it can be bought back within a limited time window through the vendor's buyback interface before the item disappears from their inventory.

Obtaining Gold Bars

While the simplest way to get a gold bar is to buy one at the bank for 500 silver, players can also craft gold bars through alchemy. Crafting gold bars requires specific recipes and materials gathered from across Pywel.

Gold Bar Recipes

There are multiple alchemy recipes for crafting gold bars. The recipes vary significantly in efficiency and material cost.

The most efficient recipe is the Gold Ore + Golden Apple method, which requires only three Gold Ore and one Golden Apple. Golden Apples are rare items that can only be discovered by hedgehogs while foraging. The alchemical formula for this recipe can be found at the Spire of Insight, located directly south of Pororin Village in the Hernand region.

Finding Gold Ore

Gold Ore is found in caves and mining nodes scattered across Pywel. To reveal the locations of gold-bearing caves on the map, complete the Gold Vein Research project at the research institute in Urdavah. This project costs 130 silver and takes eight hours of in-game time to complete. The Urdavah institute becomes accessible during the main story when the player passes through the area; look for the lead researcher at the bottom of the elevator shaft after completing the relevant story objective. Bringing 3x Bloodstone is required to unlock the project tree at Urdavah.

Once the research is complete, gold mining nodes appear on the map. Use a pickaxe at these locations to mine Gold Ore. The ore can then be combined with the other recipe ingredients at an alchemy station to craft gold bars.

Crime and the Bank

The bank's upper floor contains strongboxes belonging to other depositors. Players can attempt to steal these strongboxes, but doing so is a crime. Stealing requires wearing a mask, which can be purchased from the back alley shop in Hernand for 10 copper coins, or obtained as a reward for completing the bounty notice for Jeffrey.

Getting caught stealing from the bank results in a loss of Contribution with the local faction and generates a bounty on the player. Theft bounties are typically small (around 5 copper), but the Contribution penalty can affect the player's standing with Hernandian vendors and quest givers. Bounties can be cleared by paying the fine at a church.

While bank theft is technically possible, the penalties and the relatively low value of stolen strongboxes make it a risky proposition compared to legitimate investing. Players focused on building faction reputation should avoid stealing from the bank.

Wagon Stealing

Another way to earn silver that ties into the bank's economy is wagon stealing. Players can grab unattended or active wagons throughout Pywel and bring them to a fence to sell for silver. The payout varies based on the size and type of wagon, with bigger wagons generally yielding more silver. However, some smaller wagons may only give 2 silver, making them not worth the effort.

Wagon stealing carries significant reputation risks. Off-road wagons (parked or abandoned) cost -5 reputation when taken. Active wagons that are currently being driven incur a much harsher penalty of -30 to -35 reputation if the player is spotted during the theft. Players who rely on wagon stealing as an income source should weigh the silver earned against the reputation cost, especially if they need to maintain good standing with local factions.

Reputation Costs for Criminal Activities

Criminal activities around the bank and its related systems carry specific reputation penalties. Players should be aware of these costs when deciding whether to engage in theft, pickpocketing, or gambling scams. The wanted system tracks accumulated infractions and can make NPCs hostile.

Important: If the player has an active bounty, the banker will refuse to interact with them. To clear a bounty, visit a church and perform the Rite of Absolution. This costs a fee proportional to the bounty amount but immediately restores the player's ability to use bank services. Players engaged in heavy criminal activity should always keep enough silver on hand to pay for absolution before visiting the bank.

Tips and Strategies

• Start with Medium-Risk. The Medium-Risk strategy offers the best balance of reward and safety for most players. The 15% to 20% return range provides meaningful income without the chance of losing gold bars.

• Invest early if possible. The bank is primarily a late-game tool because accumulating 600 silver takes time. However, the sooner you start investing, the more passive income accumulates over the course of the game. If you can spare the silver, open your strongbox as soon as you have enough.

• Deposit multiple gold bars. Returns are calculated per gold bar invested. Two gold bars on Medium-Risk generate roughly twice the returns of one, so scale up your investments as your silver income grows.

• Collect payouts regularly. Check in at a bank every few in-game days to collect your silver earnings. Any bank in Pywel works, so pick one up whenever you pass through a settlement.

• Reserve silver for essentials. Do not invest all your silver. Keep a reserve for weapon refinement, crafting supplies, and consumables. Running out of liquid silver while your wealth is locked in gold bars is counterproductive.

• Avoid High-Risk unless you can absorb the loss. The potential 50% to 55% return is attractive, but losing an entire gold bar sets you back 500 silver. Only use the High-Risk strategy with surplus gold bars you can afford to lose.

• Combine with other income sources. Bank investing works best alongside active income from bounty hunting, trading, companion dispatch missions, and minigame winnings. The passive nature of bank returns means they complement rather than replace active money-making activities.

• Switch strategies based on your situation. You can change your investment strategy every 15 in-game days. If you have built up a comfortable cash reserve and can afford the risk, switching to High-Risk for a period can yield large payouts. Switch back to Medium-Risk or Low-Risk if your finances become tight.

• Clear bounties before visiting the bank. If the player has an active bounty, the banker will refuse to speak with them. Visit a church and perform the Rite of Absolution to clear the bounty before attempting any bank transactions. Keep silver set aside for the absolution fee.

For a comprehensive overview of all money-making methods in Crimson Desert, including bank investing, see the Silver and Gold Farming guide. Bank investments are most effective when combined with active income sources like trading, companion dispatch missions, and gambling minigames.

Related Systems

The bank ties into several other economic and progression systems in Crimson Desert:

• Gold and Currency Guide: Comprehensive overview of how silver and gold work in the game.

• Trading: The broader economic system including regional vendors and selling goods.

• Crafting: Use crafted items and alchemy to produce gold bars from raw materials.

• NPC Vendors: Merchants throughout Pywel where silver is spent on gear, consumables, and supplies.

• Contribution System: Faction reputation, which is affected by crimes committed at the bank.

• Freesword Dispatch System: Another form of passive income where companions earn silver and resources on off-screen missions.

• Gathering and Mining: Skills used to collect Gold Ore and other alchemy materials for crafting gold bars.

• Shops and Vendors: Overview of all vendor types, shop inventories, and merchant locations across Pywel.