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Dutch building that produces Coin.
—In-game description

The Bank is an economic building in Age of Empires III that is unique to the Dutch. It generates 2.75 coin (3.3 coin with the "Tulip Speculation" Home City Card) per second.


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 Settlers 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 Saloon or infinite shipments of Carib Blowgunners, Fusiliers and Privateers).

The total coin production with eleven Banks and "Tulip Speculation" is 36.3 coin per second, or 2,178 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 50.6, or 3,036 per minute without Settlers.

In the Definitive Edition, revolting to South Africa increases the coin generation rate of Banks by 10%, or to 3.025 (3.63 if "Tulip Speculation" is sent before revolting) coin per second.

Civilization differences[]

Further statistics[]

As Banks are unique to the Dutch, only technologies that they have access to are shown in the following table:

Building strengths and weaknesses
Strong vs. Nothing
Weak vs. Everything
Hit points Flying Buttress.png Flying Buttress (+20%)
Sight Gas Lighting.png Gas Lighting (+4)
Construction cost Cree Textile Craftsmanship.png Cree Textile Craftsmanship (-25% wood)
Tupi Forest Burning.png Tupi Forest Burning (-20% wood)
Other Coffee Trade.png Coffee Trade (+2 build limit)
Excessive Taxation.png Excessive Taxation (+2 build limit)

Home City Cards[]

As Banks are unique to the Dutch, only their cards and other civilizations' TEAM cards are shown in the following tables:


Age of Empires III[]

  • Banks have a build limit of 4.
  • Banks have a build bounty of 70 XP and a destroy bounty of 140 XP.
  • "Tulip Speculation" increases Banks' coin generation rate by 15%.

Definitive Edition[]

  • Banks now have a build limit of 5.
  • Banks now have a build bounty of 140 XP and a destroy bounty of 280 XP.
  • "Tulip Speculation" now increases Banks' coin generation rate by 20%.
  • South Africa introduced.


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.


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Buildings in Age of Empires III
AOE3Icon.png Age of Empires III
Arsenal · Artillery Foundry · Barracks · Capitol · Church · Dock · Estate (formerly Plantation) · Factory · Field Hospital · Fort · House · Livestock Pen · Market · Mill · Mosque · Outpost · Stable · Town Center · Trading Post · Wall
Flag BritishDE.png BritishManor
Flag DutchDE.png DutchBank
Flag RussianDE.png RussiansBlockhouse
WarchiefsIcon.png The WarChiefs
Community Plaza (formerly Fire Pit) · Corral · Farm · Native Embassy · Saloon · War Hut
Flag AztecDE.png AztecsNobles' Hut
Flag IroquoisDE.png HaudenosauneeLonghouse · Siege Workshop
Flag SiouxDE.png LakotaTeepee
DynastiesIcon.png The Asian Dynasties
Consulate · Castle · Monastery · Rice Paddy · Wonders
Flag ChineseDE.png ChineseVillage · War Academy
Flag IndianDE.png IndiansCaravanserai · Sacred Field
Flag JapaneseDE.png JapaneseDojo · Shrine
Age3DE Icon.png Definitive Edition
Tavern · Tribal Marketplace
Flag IncanDE.png IncasKallanka · Kancha House · Stronghold · Tambo
Flag SwedishDE.png SwedesTorp
Flag American act3 aoe3de.png United StatesMeeting House · State Capitol
Flag MexicanDE.png MexicansCathedral · Hacienda
The African Royals
Field · Granary · Hut · Livestock Market · Palace · Port · War Camp · Watch Tower
Flag Ethiopian aoe3de.png EthiopiansMountain Monastery
Flag Hausa.png HausaUniversity
Knights of the Mediterranean
Flag ItalianDE.png ItaliansBasilica · Lombard
Flag MalteseDE.png MalteseCommandery · Hospital · Depot · Fixed Gun