The Bank: Protect Your Cash in BELLOCCO

The bank (under Extra) is your vault. One key difference decides whether your fortune survives: cash in your pocket can be (partly) stolen when you are murdered or robbed, but money in the bank is safe. Bank your cash wisely and you stay rich; leave your fortune lying around in your pocket and you are a walking cash register for killers and robbers.

How the bank works

You move money freely between your pocket cash and your bank account, at no cost. You can deposit and withdraw as often as you like. The rule of thumb is simple: keep only what you need right now in your pocket for your next actions (bets, purchases, stakes) and park the rest in the bank where nobody can touch it.

• Cash in your pocket: ready to use, but vulnerable. This is the amount at risk in a hit or a raid.
• Money in the bank: safely locked away. It counts toward your wealth, but you have to withdraw it before you can spend it.

Why you bank your cash

In a mafia world, everything revolves around who stays on top. Killers and bounty hunters prey on players with a lot of cash in their pocket, because that is exactly what they steal. By keeping your money safe in the bank, you make yourself an unattractive target: even if they hit you, there is little to take. That way you largely avoid being robbed of your hard-earned loot.

Think of the bank as a shield around your wallet. It does not stop attackers, but it makes sure a successful attack does not cost you a fortune. An experienced player almost never walks around with a big pile of cash: that is asking for trouble.

Timing is everything

The difference between staying rich and losing everything often comes down to a few seconds. After a big job (a raid, a fat casino win or a sold load) you suddenly have a lot of cash in your pocket. That is exactly when you are most vulnerable. Deposit immediately, before an opponent gets the chance to strike.

• Deposit right after a big haul: never leave a fortune in your pocket, not even "just for a moment".
• Plan your withdrawals ahead: take exactly enough out of the bank for your planned spending and no more.
• Be extra careful when you are active in risky places: players who visibly do a lot draw attention.
• Before you go offline, check that your pocket cash is low; you cannot respond while you are away.

The link with raids and murder

The bank does not stand apart from the rest of the game: it is the counterpart of the attack systems. In the murder system and in raids, part of the reward is the victim's cash. A player who keeps their money in the bank takes away the attacker's reward. That makes the bank a central part of the economy: it rewards thinking ahead and punishes carelessness.

The flip side: when you raid or take out someone, you hope your target was foolish enough to walk around with full pockets. Many players earn the most from opponents who forget to use their bank.

Savings interest: your money grows by itself

Money in the bank does not just sit there: it grows by itself with interest, just like at a real bank. As soon as your bank balance is above a minimum amount, the bank periodically (every 24 hours by default) pays you a percentage of your balance: automatically, without you having to do anything.

• Fixed, adjustable interest rate: the staff set the rate (1% per period by default).
• Your own rhythm: your interest clock runs from your previous payout, not at a fixed time for everyone.
• Cap: interest is only calculated up to a maximum bank balance, so extremely rich players cannot keep growing without limit.
• Overview on the bank page: you see your current rate, the expected next payout, when it arrives and how much interest you have received in total.

Interest is one more reason to keep your money in the bank instead of walking around with cash: besides being safe from theft, it also earns you passive income.

Transferring money to a player

On the Bank page (tab Transfer money) you send money from your bank to another player's bank. Handy for supporting a family member or a friend. You can see your full history under Sent and Received transfers.

• Transfers always go from bank to bank: safe and out of sight.
• A small transfer fee applies (a fixed percentage); the recipient gets the amount minus that fee.
• For fair play, transfers between accounts sharing the same device or IP are blocked (anti-multi-account).
• The recipient automatically receives a message, including your optional note.

Playing in a family? Also check out the family bank, where you build and manage shared capital together.

Frequently asked questions

Why should I put money in the bank?

Because cash in your pocket can be stolen in a raid or a hit, and money in the bank cannot. By banking your wealth you protect yourself: even if you get hit, there is little to take and you stay rich.

Can money in the bank be stolen?

No. Money in the bank is safely locked away, out of reach of killers and robbers. Only your pocket cash is at risk. That makes the bank the safest place for your fortune.

What do I lose when I get killed?

In a hit or a raid, (part of) your cash in your pocket can be stolen. What is in the bank stays out of reach. The less you carry, the less you can lose.

How often should I deposit?

As often as needed: depositing and withdrawing is free and unlimited. The practical rule: deposit right after every big haul and keep only what you need for your next action in your pocket.

Do I earn interest on my bank balance?

Yes. Money in the bank grows periodically at an adjustable interest rate, up to a maximum bank balance. The bank page shows your rate, the expected next payout and your total interest received.

What is vault money?

Vault money is the informal term for the money you keep safely in the bank (your vault). It is your protected wealth: it counts toward your riches, but cannot be stolen as long as it stays in the bank.

Play for free and build your protected fortune before the robbers come knocking.

Bank or your Estate vault?

The bank pays interest, the vault in your Estate does not. A full vault does give extra happiness (so faster training), pays your upkeep automatically and cannot be robbed.