Bank

Bank
Building information
Introduced in	Age of Empires III
Type	Building Economic
Civilization	Dutch Japanese South Africa United States
Age	Exploration Age
Use	Generates 2.75 coin every second
Construction
Food	350
Wood	350
Max. builders	8
Build time	30 seconds
Build limit	5
Statistics
Hit points	3,500
Line of Sight	12
XP build bounty	140
XP bounty	280

“	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 (3.4375 coin with the "Tulip Speculation" Home City Card) per second.

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.

Civilization differences

• The Japanese can build one (and only one) Bank by allying with the Dutch at the Consulate (requires a level 25 Home City), which provides the Bank Wagon shipment that ships the namesake to build a Bank for free.
• 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.

Further statistics

Building strengths and weaknesses
Strong vs.	Nothing
Weak vs.	Everything
Improvements
Hit points	State Constitutions (+25%; United States only) Flying Buttress (+20%) Byzantine Legacy (+15%)
Line of Sight	Gas Lighting (+4)
Build time	Cree Textile Craftsmanship (-25%)
Cost	Tupi Forest Burning (-20% wood) Cree Textile Craftsmanship (-10%)
Other	Bank Wagon (ships 1 Bank Wagon; Japanese only) Coffee Trade (+2 build limit; Dutch only) Excessive Taxation (+2 build limit; Dutch only)
Penalties	Coffee Trade (-20% hit points; Dutch only)

Home City Cards

Click for a list of Home City Cards related to the Bank

Some cards are highlighted with:
Green	TEAM Shipment that is sent to each player in a team

• Definitive Edition
• The Asian Dynasties

All

Card	Description	Age
Improved Buildings	Buildings get +40% hit points
TEAM Improved Buildings	Buildings get +25% hit points

• "Improved Buildings" is not available to the United States.
• "TEAM Improved Buildings" is available to the Inca, Indians, and Maltese.

Dutch

Card	Description	Age
Bank of Amsterdam	Bank build limit +1; Merchant train limit +5
Bank of Rotterdam	Bank build limit +1; Merchant train limit +5
Tulip Speculation	Banks generate +25% coin
Bank Wagon	Ships 1 Bank Wagon
Dutch East India Company	Envoys can build Banks; Banks get +100% hit points and -15% cost

Europeans

Card	Description	Age
2 Bank Wagons	Ships 2 Bank Wagons; Bank build limit +2

• "2 Bank Wagons" is available to the British and Dutch upon revolting to South Africa.

Japanese

Card	Description	Age
Land Reforms	Villagers and Rickshaws build buildings 50% faster; buildings' build bounty +100%

United States

Card	Description	Age
Dutch Immigrants	[Immigrant] Ships 1 Bank Wagon; villagers gather coin from mines 5% faster; mines last 10% longer; Bank Wagon can be trained at the State Capitol; costs 300 coin
Vermont Coppers	Estate upgrades are free and research instantly; all coin gather 5% faster
Connecticut Shipwrights	Ship train time -50%; building build time -35%; artillery train time -15%, Heavy Cannon train time -10% instead
The Alamo	Ship 16 Minutemen; when destroyed by enemies, your buildings spawn a number of Minutemen equal to 1.5% of their cost rounded up

• "Vermont Coppers" is available upon selecting the Vermont Federal State.
• "Connecticut Shipwrights" is available upon selecting the Connecticut Federal State.
• "The Alamo" is available upon selecting the Texas Federal State, and spawn 11 Minutemen when a Bank is destroyed.

All

Card	Description	Age	HC level
Improved Buildings	Buildings get +40% hit points		10

Dutch

Card	Description	Age	HC level
Bank of Amsterdam	Bank build limit +1		1
Bank of Rotterdam	Bank build limit +1		1
Tulip Speculation	Banks generate +15% coin		25
Bank Wagon	Ships 1 Bank Wagon		40
Dutch East India Company	Banks get +100% hit points and -15% cost		25

Indians

Card	Description	Age	HC level
TEAM Improved Buildings	Buildings get +25% hit points		10

Japanese

Card	Description	Age	HC level
Land Reforms	Villagers and Rickshaws build buildings 50% faster; buildings' build bounty +100%		10

Changelog

Age of Empires III

• Banks have 4,000 hit points, a build limit of 4, 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 have a build limit of 5, 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.

Knights of the Mediterranean

• With update 13.58326, Banks have 3,500 hit points.

History

“

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

An in game Bank