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.

Tactics[edit | edit source]

The Bank has a build limit of five, which can be increased with the Bank of Amsterdam (+1 build limit) and Bank of Rotterdam (+1 build limit) Home City cards, Coffee Trade (+2 build limit) technology from the Church (requires the unique Dutch Church card), and Excessive Taxation (+2 build limit) technology from the Capitol, which totals up to 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 the Tulip Speculation card is 36.3 coin per second, or 2,178 coin per minute on top of normal means of coin production. Combined with both Factory buildings set to produce coin with the Steam Power improvement, 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%.

Civilization differences[edit | edit source]

Further statistics[edit | edit source]

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[edit | edit source]

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

Changelog[edit | edit source]

Age of Empires III[edit | edit source]

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

Definitive Edition[edit | edit source]

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

History[edit | edit source]

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.

Gallery[edit | edit source]

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