This is a guide on how to how to get interest rates and how to increase your Savings in Animal Crossing New Horizons (ACNH). Read on for tips on how to get the max amount of interest and what you need to do to receive it.

Important Update

With the update released April 23, 2020, the max amount of Bells you can receive from Bank Interests has been decreased to 9,999 Bells, a mere tenth of what it was before.

The rate was also decreased from 0.5% to 0.05%.

Money Making Guide

How to Increase Money with Interest

Savings in the ABD (ATM) will Gain Interest



If you want to recieve interest on your Bells, you need to put money into your Savings account on the NookStop ATM at Resident Services before the end of the month. Depending on the amount of savings, your money will increase at the start of next month.

You can see how much money you got from interest in a letter that's sent to you from Bank of Nook.

How to Get Bank Interest

Interest gained depends on your Savings by the end of the month.

The Interest Rate is 0.05% of your Savings.

You get it at the start of each month.

If you were gone for more than a month, you'll get money for the entire period if you were gone.

The Interest Rate is 0.05%



You get a 0.05% Interest Rate on the money in your Savings account every month. It doesn't matter when you put the money in. For example, you'll get the Interest the 1st of February no matter if you put in the Savings the 1st or 31st of January.

Example: 10,000 Bells Saved Up

Saved Money Interest Rate Money Gained 10,000 Bells 0.05% 5 Bells 10,000 Bells × 0.05% = 5 Bells

If you save up 10,000 Bells, you'll get a 5 Bells Interest the next month. Which means your new Savings total will be 10,005 Bells.

You Get Interest from Your Last Save

You get the total Interest from your last save till the next time you launch the game. For example, if you deposit money in January and launch the game in March, you will receive two months of Interest.

However, the max amount of Bells you can receive is capped, so make sure you open the game to collect your interests every month if you have a lot of Bells in your Savings.

Example: 2 Months Interest for 5,000,000 Bells

Saved Money Interest Rate Money Gained 5,000,000 0.05% 5,001 Bells First Month: 5,000,000 Bells × 0.05% = 2,500 Bells

Second Month: 5,002,500 Bells × 0.05% = 2,501 Bells

You get more Money after each month passed.

However, with the new rates, the amount of money you earn increase very little every month.

Get Interest Information by Letter



When Interest is paid on your Savings, you will get a letter from Bank of Nook at the start of the month. This way you can see your gained Interest without going to the NookStop ATM.

Interest is Capped at 9,999

Once you reach 9,999 Bells from Interests, whether over one month or several years, you won't be able to receive any more money until you open the game, claim the interest and save.

Time Travel Calculations

Time Needed to Get Max Amount of Interest

Here you can find our calculations on how many years it would take to get the maximum of 9,999 Bells in Interest.

You can use it to see how far in time you should travel based on your current savings.

Savings Years 100,000 Bells 16 Years 200,000 Bells 9 Years 300,000 Bells 6 Years 400,000 Bells 5 Years 500,000 Bells 4 Years 600,000~800,000 Bells 3 Years 900,000~1,600,000 Bells 2 Years 1,700,000 Bells and above 1 Year

Time Traveling Guide

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