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.
List of Contents
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%.
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.
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.
|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 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.
|Saved Money||Interest Rate||Money Gained|
|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.
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.
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.
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.
|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|
|Beginner's Guide to Animal Crossing New Horizons||Unchangeable Features|
|Choosing a Hemisphere||Best Island Layouts|
|What Should You Choose to Bring to the Island?||Picking an Island Name|
|Best Tent Location||How to Cross the River and Water|
|How to Get Furniture and Materials for House Kits||How to Climb Cliffs|
|What Happens When You Eat Fruit?||How to Get Rid of a Bee Sting|
|What Happens When You Faint?||When Does a New Day Start?|
|How to Use the Camera||How to Use the Rescue Service|
|How to Add Best Friends||-|
|Tips and Tricks|
|Things to Do Every Day||All Island Shops and Facilities Upgrades|
|New Horizons 100% Checklist||Time Traveling Guide|
|How to Increase Inventory Space||How to Get Presents from Balloons|
|Max Villagers and How to Get New Villagers to Move In||How to Kick Out Villagers|
|How to Get Specific Villagers You Want||How to Raise Your Island's Star Rating|
|Infinite Tarantula Island - How to Get or Create It||Art Guide | Complete List of Artworks and Fakes|
|Money, Miles and Shopping|
|Nook Mileage Program Activities & Rewards List||Nook Miles+ Challenges and Rewards|
|Nook Stop Explained||Spending Nook Miles|
|How to Get Nook Miles Fast||How to Make Money Bags (Bell Bags)|
|How to Get Bells (Money) Fast||Money Rock and How to Hit the Rock 8 Times|
|How to Grow Money Trees from Glowing Spots||How to Get Bank Interest|
|Should You Use the Drop-Off Box?||How to Get the Royal Crown|
|House and Storage|
|How to Pay Off Your Loan and Upgrade Your Tent and House||How to Move Your House|
|How to Store Furniture and Other Items||Designing Your House - How to Use Storage and Decorating Mode|
|How to Raise Your Happy Home Academy (HHA) Rank||Feng Shui Color and Effect Guide|
|How to Get Rid of Cockroaches | Catching Cockroaches||How to Get Moving Wallpaper|
|How to Get Moving Flooring||-|
|Reimagine Your Character|
|How To Make A Passport | Passport Title List||Changing Hair and Face|
|How to Get Bedhead / Fix Bedhead||-|
|Reshape Your Island|
|How Close Can You Plant Trees?||How to Chop Wood and Pull Up Trees|
|How to Get Palm Trees on Your Island||How to Build a Bridge|
|How to Build Slopes, Stairs and Inclines||How to Break Rocks|
|How to Change the Island Tune||How to Use Island Designer|
|List of NookPhone Apps||Mystery Island Tour and Nook Miles Ticket Guide|
|How to Unlock Reactions||How to Send Letters and Postcards|
|Wish on a Shooting Star to Get Star Fragments||Lost Item Guide|
|Party Play | Playing on One Switch||Online Play|
|What Can You Do Online?||-|
|System Requirements||List of Controls|
|Maintenance | How to Fix an Error||How to Delete Save Data|
|How to Add or Delete Players||Can You Transfer Data From Pocket Camp?|
|amiibo Compatibility||NookLink Features|
|The Language Setting||How to Pre-Load|
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