Banking

The bank keeps your gold safe and earns interest. Gold in the bank cannot be taken by pirates or raids.

• Deposit — move gold from your treasury into the bank.
• Withdraw — move gold from the bank back to your treasury.
• Cash Relief / Loans — borrow gold, or pay back what you already owe.

Cash Relief / Loans

When you borrow, you first pick how many days you have to pay it back (1 to 10). A longer term has a higher daily interest rate, and the interest builds up each day (it compounds), so a long loan costs much more in total. The bank tells you the rate and the most it will lend you, then you choose how much to take.

You must repay the full amount on the due date. The bank takes it from your gold first, then from your savings. If you cannot pay it all, the rest becomes a debt with an extra penalty added, and your people lose some support. Debt keeps growing each turn until you repay it, so clear it early.

Investments

You can lock gold away as an investment for 2 to 10 days. It pays back your gold plus interest when it matures. The interest rate floats — it rises and falls with how much everyone is investing — so check the rate before you commit. A common tactic is to keep several investments running at once, each for a different length, so one matures every day.