The Bank is a unique Dutch building that generates Coin. It is a very expensive building, especially early, when the Food and Wood needed for its construction compete directly with Settler production and researching improvements or constructing buildings.
Only a limited number of Banks can be built in a single game, but Shipments from the Home City can increase that number.
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Tactics[]
The Bank has a build limit of five, which can be increased with the "Bank of Amsterdam" and "Bank of Rotterdam" Home City Cards (each increasing the Bank's build limit by 1), Coffee Trade (+2, requires the "Religious Freedom" Home City Card), and Excessive Taxation (+2), for a total of 11 Banks.
With the unique ability to produce infinite coin at a startling rate, Banks allow the Dutch to focus their Merchants on collecting food and wood, use Markets to their advantage and buy up large amounts of resources if a quick age jump is needed, and hire endless streams of mercenaries more easily than other civilizations (via the Tavern or infinite shipments of Carib Blowgunners, Fusiliers and Privateers).
The total coin production with eleven Banks and "Tulip Speculation" is 37.8175 coin per second, or 2,269.05 coin per minute on top of normal means of coin production. Combined with both Factories set to produce coin with Steam Power, the total coin per second becomes 52.1175, or 3,127.05 per minute without Merchants.
In the Definitive Edition, revolting to South Africa increases the coin generation rate of Banks by 10%, or to 3.025 (3.7125 if "Tulip Speculation" is sent before revolting) coin per second.
The United States can build one Bank with a Bank Wagon sent through the "Dutch Immigrants" Home City Card. If the Bank Wagon or the Bank it was built with were destroyed, the Bank Wagon can be retrained at the State Capitol for 350 food, 350 wood.
Revolution[]
If the British revolt to South Africa, Banks become available but a build limit of 2. Banks can only be built by Explorers.
Delivers 1 Bank Wagon; villager gather work rate for mine +5%; land villager changes gather yield for mine +10%; enables Bank Wagon to be trained at the State Capitol; costs 300 coin
Vermont Coppers
Estate technologies are free and research instantly; all coin incomes +5%
Connecticut Shipwrights
War ship train time -50%; building build time -35%; artillery train time -15%, Heavy Cannon train time -10% instead
Imperial Age
The Alamo
Delivers 16 Minutemen; when destroyed by enemies, your buildings spawn a number of Minutemen equal to 1.5% of their cost rounded up
With an unknown update[When?], "Tulip Speculation" increases Banks' coin generation rate by 25%.
History[]
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The seventeenth century saw the founding of the Wisselbank of Amsterdam. This financial institution rapidly became the wealthiest and most powerful bank in existence. They were the first to accept and actively promote the exchange of checks, and the government passed laws stating that large transactions between two parties had to be brokered by the Wisselbank. The successes of the Dutch East India Company kept Dutch coffers full and flowing, and the Dutch economy soared.
Trade in tulips, iconically Dutch flowers, rose dramatically in the middle of the seventeenth century and crashed even more dramatically. A single tulip bulb at the height of the craze could purchase an entire estate. These bulbs were bought and sold on paper. This, with the practices of the Wisselbank of Amsterdam, put Holland on the cutting edge of finance. As prices skyrocketed, some people seeking to lock in their profits sold off their tulips at lower than peak prices, sending a ripple of fear through the market that grew to widespread panic as everyone began to realize these tulips, while beautiful, were just bulbs, cousins of the onion, and not worth a house, a life savings or even carriage with a pair of matched gray horses.
State Constitutions (+25%; United States only)
Flying Buttress (+20%)
Byzantine Legacy (+15%)
Gas Lighting (+4)
Tupi Forest Burning (-20% wood)
Cree Textile Craftsmanship (-10%)
Bank Wagon (delivers 1 Bank Wagon; Japanese only)
Coffee Trade (+2 build limit; Dutch only)
Excessive Taxation (+2 build limit; Dutch only)
Improved Buildings
TEAM Improved Buildings
Bank of Amsterdam
Bank of Rotterdam
Tulip Speculation
Bank Wagon
Dutch East India Company
Land Reforms
Dutch Immigrants
Vermont Coppers
Connecticut Shipwrights
The Alamo
Dutch East India Company
Age of Empires III[]
