How to Get Bank Interest | ACNH - Animal Crossing: New Horizons (Switch)


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NookStop ATMThis is a guide on how to how to get interest rates and how to increase your Savings in Animal Crossing New Horizons (ACNH). Read on for tips on how to get the max amount of interest and what you need to do to receive it.

Important Update

With the update released April 23, 2020, the max amount of Bells you can receive from Bank Interests has been decreased to 9999 Bells, a mere tenth of what it was before.

The rate was also decreased from 0,5% to 0,05%.

Money Making Guide

How to Increase Money with Interest

Savings in the ABD (ATM) will Gain Interest

ABD Services
If you want to recieve interest on your Bells, you need to put money into your Savings account on the NookStop ATM at Resident Services before the end of the month. Depending on the amount of savings, your money will increase at the start of next month.

You can see how much money you got from interest in a letter that's sent to you from Bank of Nook.

How to Get Bank Interest

  • Interest gained depends on your Savings by the end of the month.
  • The Interest Rate is 0.05% of your Savings.
  • You get it at the start of each month.
  • If you were gone for more than a month, you'll get money for the entire period if you were gone.

The Interest Rate is 0.05%

Interest Letter
You get a 0.05% Interest Rate on the money in your Savings account every month. It doesn't matter when you put the money in. For example, you'll get the Interest the 1st of February no matter if you put in the Savings the 1st or 31st of January.

Example: 10,000 Bells Saved Up

Saved Money Interest Rate Money Gained
10,000 Bells 0.05% 5 Bells
10,000 Bells × 0.05% = 5 Bells

If you save up 10,000 Bells, you'll get a 5 Bells Interest the next month. Which means your new Savings total will be 10,005 Bells.

You Get Interest from Your Last Save

You get the total Interest from your last save till the next time you launch the game. For example, if you deposit money in January and launch the game in March, you will receive two months of Interest.

However, the max amount of Bells you can receive is capped, so make sure you open the game to collect your interests every month if you have a lot of Bells in your Savings.

Example: 2 Months Interest for 5,000,000 Bells

Saved Money Interest Rate Money Gained
5,000,000 0.05% 5,001 Bells
First Month: 5,000,000 Bells × 0.05% = 2,500 Bells
Second Month: 5,002,500 Bells × 0.05% = 2,501 Bells

You get more Money after each month passed.

However, with the new rates, the amount of money you earn increase very little every month.

The amount after the decimal point is rounded down.

Get Interest Information by Letter

Bank of Nook Letter
When Interest is paid on your Savings, you will get a letter from Bank of Nook at the start of the month. This way you can see your gained Interest without going to the NookStop ATM.

Interest is Capped at 9,999

Once you reach 9,999 Bells from Interests, whether over one month or several years, you won't be able to receive any more money until you open the game, claim the interest and save.

Time Travel Calculations

Time Needed to Get Max Amount of Interest

Here you can find our calculations on how many years it would take to get the maximum of 9,999 Bells in Interest.

You can use it to see how far in time you should travel based on your current savings.

Tip: To get the max of 9,999 Bells in interests in a month, you need to have 19,998,000 Bells in your Savings account.

Savings Years
100,000 Bells 16 Years
200,000 Bells 9 Years
300,000 Bells 6 Years
400,000 Bells 5 Years
500,000 Bells 4 Years
600,000~800,000 Bells 3 Years
900,000~1,600,000 Bells 2 Years
1,700,000 Bells and above 1 Year

Time Traveling Guide

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19 Anonymous5 days

>>16 >>18 I'm pretty sure there are no punishments for time travelling and I'd love to see proof of that warning :P Don't like it don't do it, but don't try to scare people from playing like they want

18 Anonymous9 days

Can’t you get banned for time traveling? I’m pretty sure that it’s against the terms of use of animal crossing.

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