The Bank for short is a location in Horse Reality. You can access the bank by clicking on the amount of HRC you own or via the city map. Within the bank page, you can manage your balance and savings, as well as view your HRC transaction history of the past 7 days. HRC is the only currency the bank takes.
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¶ Balance and Savings
Your bank has two accounts: balance and savings. Think of balance as the money you have in your pocket – you can spend it at any time. If you want to spend your money in your savings account, you must first deposit it into the balance account. New players start with 50 000 HRC in their balance, and 25 000 HRC in their savings account.
¶ Daily Interest
It is wise to leave some HRC in your savings account, as you get daily interest from it.
Note that you only receive interest if you have been online in the past 24 hours and have deposited a significant amount of HRC in your savings account. If those two requirements are fulfilled, you will receive daily interest in your savings account each night at 00.00 HR time.
If your savings account has less than 33 HRC, the daily interest will be 0 HRC. 34 HRC result in 1 HRC and everything above that depends on the interest rate.
¶ Interest Rates
The interest rate determines how much interest you get. If you have 20.000 HRC in your savings account, your interest rate is 1.50%, which means you will receive 300 HRC interest at 00:00 HR time.
The interest rate decreases as the amount of HRC in your savings account increases. This is so the game economy stays stable – nobody likes a currency crisis!
Here are all possible interest rates, depending on the amount of HRC in your savings account:
| Interest Rate | Min. Balance | Max. Balance |
|---|---|---|
| 1.50% | 0 HRC | 100 000 HRC |
| 1.00% | 100 001 HRC | 250 000 HRC |
| 0.80% | 250 001 HRC | 500 000 HRC |
| 0.50% | 500 001 HRC | 1 000 000 HRC |
| 0.30% | 1 000 001 HRC | 2 000 000 HRC |
| 0.15% | 2 000 001 HRC | 5 000 000 HRC |
| 0.10% | 5 000 001 HRC | 10 000 000 HRC |
| 0.03% | 10 000 001 HRC | 25 000 000 HRC |
| 0% | 25 000 001 HRC | ∞ HRC |
(Read the table like this: If you have between 0 and 100 000 HRC in your savings account, your interest rate is 1.50%. If you deposit even 1 HRC more then you have between 100 001 and 250 000 HRC in your savings account and your interest rate is 1.00%, and so on.)
¶ Profitable Savings Balance
It is possible to maximise your profits from daily interest by carefully planning how much money you keep in your Savings account. The chart below shows all profitable balances and states how much money you can get from the biggest milestones.
¶ Changelog
- On January 17th 2019, an update was added and interest had to be collected manually by pressing a button to address server issues. This was automated again on February 19th 2019[1][2]
- On June 17th 2019, the bank interest rates were adjusted and a bugfix was implemented[3]
- On October 14th 2020, the Bank page was moved to V2[4]
- On March 10th 2021, a small bugfix was implemented[5]
- On April 7th, the displayed bank history was extended from 24h to 7 days[6]
¶ References
- https://www.horsereality.com/forum/topic_4648/thursday-january-17th-2019
- https://www.horsereality.com/forum/topic_5770/news-tuesday-feb-19th
- https://www.horsereality.com/forum/topic_10902/update-speed-optimisation-qol-changes-and-30-day-logins
- https://v2.horsereality.com/news/34/birthday-surprise-new-horse-colour-variations-small-community-update-v2-transfer-bugfixes
- https://v2.horsereality.com/news/53/community-update-market-transferred-to-v2-improvements-discord-scams-march-background-daylight-savings-time-bug-fixes
- https://v2.horsereality.com/news/57/community-update-new-features-thoroughbred-poll-rollover-change-pre-icey-coats-new-moderators