Age of Empires Series Wiki

Banking is a technology in Age of Empires II available at the Market upon reaching the Imperial Age and requires Coinage to be researched. Once researched, it removes the tribute fee of 20%, allowing players to send resources freely without having to pay a fee. Considering it pays off very quickly (food-wise if more than 1,500 food is tributed after researching it, and gold-wise if more than 1,000 gold is tributed after researching it), researching Banking is highly recommended when giving other players resources.

Civilization bonuses[]

Team bonuses[]

  • A team containing Bohemians: Researching Banking is 80% faster.


The Age of Kings[]

  • Banking costs 200F/100G.
  • Banking takes 50 seconds to research.
  • Banking becomes available in the Castle Age.

The African Kingdoms[]

  • Banking costs 300F/200G.
  • Banking takes 70 seconds to research.

Rise of the Rajas[]

  • With patch 5.8, Banking becomes available in the Imperial Age.

Definitive Edition[]


The loaning of money for interest, or usury, was long prohibited by the church in the West and this proved a handicap for economic growth. The religious laws were avoided by a number of ploys, and non-Christians were often allowed into a community to provide this service. Preaching a pogrom against money-lending Jews or other non-Christians was a convenient way for more than one king to clear off a large debt. The religious and political climate changed gradually, especially in the great trading cities of Italy where the first of many great merchant banking firms came into existence.