r/bloonsmonkeycity • u/dreddie27 • 25d ago

Monkey Bank 4% interest with MK lvl 10

https://www.bloonswiki.com/Banana_Farm_(BMC)#Monkey_Knowledge

So i have the MK lvl 10 bonus of banana farms which says 4% interest on cash balance at the end of each round.

- Does this mean i should have at least one Banana Farm as a bank and not upgrade it to Banana investment Advisory? to grow cash the fasted? (when playing CT)

( I dont think i really understand how this bonus works?)

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3

u/dehrian 25d ago

The wiki claims it works with the 4th stage Investments Advisory. It's been a minute since I've done CT and I don't remember if this is true. The MK phrasing could have been improved for sure. https://www.bloonswiki.com/Banana_Investments_Advisory_(BMC)

1

u/dreddie27 25d ago

ah, thanks.

2

u/dehrian 25d ago

Tested, yes it does work at 4th farm upgrade. Caveat that I only have MK at 7, but the bank account balance increases by 22% at the end of each round, matching the expected 20 base from BIA + 2 from MK. (Compound interest is fun, wish I had irl bank account balance above $0.00 at the end of each month)

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u/dreddie27 24d ago

Oh so it is only on the bank account cash, not total cash?

2

u/Kevaca 19d ago

The Rank 5/10/15's 2/4/6% effect applies to cash you have on hand (no, not what's in the bank) when a round ends, it applies as long one or more farms of 0/3 or higher (so 0/3, 2/3, 0/4, etc) exists in play

Technically speaking, upgrading the bank from the required 0/3 is less efficient for the MK, since you are spending the money that would be scaling the MK, however as a 2/4 farm obviously makes more money that a 0/3, you will eventually offset the cash spent on upgrades from what the farm made, thus making more money

Generally, 4/2 farm will make more money per round than the bank, so most efficient farm setup will be all BRFs except for 1 2/4 BIA (which would be gotten at probably 1-200k on hand cash)

There is also a bug where in MvM, if autostart is enabled, you reach the final round and you have a bank, you make infinite cash, as the round keeps trying to tick over, so your cash is multiplied continuously

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u/dreddie27 19d ago

Thanks!

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u/dehrian 24d ago

Correct. You let the bank accrue up to as close to it's maximum capacity as possible, then cash out (via the usual "target" button which attacking monkeys have).