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

ACNH - A villager is surprised in front of the NookStop ATM
This 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.


  • Interest rate has been lowered to 0.05%
  • A limit of 9,999 Bells can only be earned from interest per month.
April 2020 Update | Version 1.2.0 # How to Increase Money with Interest ## Savings in the ABD (ATM) will Gain Interest
ACNH - ABD Services at the NookStop

To receive 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%

ACNH - A Bank of Nook letter telling how much interest has been gained

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 your 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. 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.

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.

The amount after the decimal point is rounded down.

Get Interest Information by Letter

ACNH - A villager receives a Bank of Nook Letter

When Interest is paid on your Savings, you'll get a letter from Bank of Nook at the start of the month, saving you a trip to the NookStop ATM.

Interest is Capped at 9,999

Once you reach 9,999 Bells from Interest, 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 are our calculations on how many years it would take to get the maximum of 9,999 Bells in Interest.

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

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

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.

Time Traveling Guide

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