Savings

The player accessing their savings account in Animal Crossing: New Leaf

The savings account is a feature in the Animal Crossing series that allows the player to deposit or withdraw their Bells. It is accessed either from Pelly or Phyllis at the post office or town hall, or from an ATM-like machine known as the Automatic Bell Dispenser (ABD) Beginning in Animal Crossing: Wild World, the player receives monthly interest from the Bells saved in their account. In all games, the maximum amount of Bells that can be held in the savings account is 999,999,999.

In Animal Crossing: City Folk, the player's savings account is at the Bank of Nintendo, and in Animal Crossing: New Horizons, it is at the Bank of Nook.

Appearances

In Animal Crossing

The player accessing their savings account in Animal Crossing

In Animal Crossing, the savings account can be accessed by speaking to Pelly or Phyllis at the post office only after the player's house has been fully paid off.

In Wild World

The player accessing their savings account in Animal Crossing: Wild World

In Animal Crossing: Wild World, the savings account can be accessed by speaking to Pelly or Phyllis at town hall. The player receives 0.5% interest on the first of each month, with a maximum of 99,999 Bells.

In City Folk

The player accessing their savings account in Animal Crossing: City Folk

In Animal Crossing: City Folk, the savings account can be accessed from the ABD at town hall. The player's Bells are stored in the Bank of Nintendo. It can also be accessed at the player's house from the ABD furniture item. The player receives 0.5% interest on the first of each month, with a maximum of 99,999 Bells.

After the player deposits 10,000 Bells into their savings account, the Bank of Nintendo sends them a shopping card, which can be used at GracieGrace and the auction house to spend the Bells in their savings without having to carry them in their pockets. If the player loses their shopping card, a new one can be issued at the ABD. After saving 1,000,000 Bells, the player receives the gold card, which gives a 20% discount when used at GracieGrace; unlike the shopping card, it cannot be reissued.

In New Leaf

In Animal Crossing: New Leaf, the savings account can be accessed from the ABD at the post office or on Tortimer Island. The player receives 0.5% interest on the first of each month, with a maximum of 99,999 Bells.

When selling a town in the Welcome amiibo update, any Bells in the player's savings account are transferred to the new town.

In New Horizons

In Animal Crossing: New Horizons, the savings account can be accessed from the Nook Stop at Resident Services. The player's Bells are stored in the Bank of Nook. The player receives 0.05% interest on the first of each month, with a maximum of 9,999 Bells. Prior to version 1.2.0, the player would receive 0.5% interest on the first of each month, with a maximum of 99,999 Bells; after downloading the 1.2.0 update, the Bank of Nook would send the player a Bell-bag rug as an apology for the decreased interest rates.

Unlike previous games, there are no rewards for passing certain Bell milestones.

With the release of the 2.0 update, it is now possible to redeem a separate ABD from the Nook Stop. Once redeemed, the player can set it up anywhere and can now access the ABD without having to go to the Nook Stop first. An ABD is also available at Harv's Island. In Animal Crossing: New Horizons – Happy Home Paradise, after the player has done around 25 vacation homes, Lottie will set up an Automated Bell and Poki Dispenser (AB&PD), to allow the player to deposit Poki and do exchanges between Bells and Poki. There is a limit of 30,000 Bells and 15,000 Poki that can be exchanged at a time, and the exchange rates change every day.

Rewards

After depositing a certain amount of Bells into the savings account, the player will receive a letter in the mail with a present attached as a reward. Items obtained this way cannot be re-ordered from the catalog.

Animal Crossing

Savings rewards in Animal Crossing

Bells saved	Item	Image	Type	Buy price	Sell price	Available from
1,000,000 Bells	Tissue		Furniture	Not for sale	320 Bells	Post office
10,000,000 Bells	Piggy bank		Furniture	Not for sale	1,120 Bells	Post office
100,000,000 Bells	Mailbox		Furniture	Not for sale	1,000 Bells	Post office
999,999,999 Bells	Post model		Furniture	Not for sale	16,000 Bells	Post office

Includes data sourced from the Data Spreadsheet for Animal Crossing (N64, GCN), compiled by TimeSword3D, AlexBot2004, Cuyler, Ruthless Cutie, SuperHamster, vmario, and Chubby Bub.

Animal Crossing: Wild World

Savings rewards in Animal Crossing: Wild World

Bells saved	Item	Image	Type	Buy price	Sell price	Available from
1,000,000 Bells	Box of tissues		Furniture	Not for sale	320 Bells	Town hall
10,000,000 Bells	Piggy bank		Furniture	Not for sale	1,120 Bells	Town hall
100,000,000 Bells	Pelly's pic		Picture	Not for sale	Cannot be sold	Town hall
500,000,000 Bells	Phyllis's pic		Picture	Not for sale	Cannot be sold	Town hall
999,999,999 Bells	Town hall model		Furniture	Not for sale	450 Bells	Town hall

Includes data sourced from the Data Spreadsheet for Animal Crossing: Wild World, compiled by AlexBot2004, TimeSword3D, Cuyler, SuperHamster, and PanchamBro.

Animal Crossing: City Folk

Savings rewards in Animal Crossing: City Folk

Bells saved	Item	Image	Type	Buy price	Sell price	Available from
10,000 Bells	Shopping card		Other	Not for sale	Cannot be sold	Bank of Nintendo
100,000 Bells	Box of tissues		Furniture	Not for sale	320 Bells	Bank of Nintendo
1,000,000 Bells	Gold card		Other	Not for sale	Cannot be sold	Bank of Nintendo
10,000,000 Bells	Piggy bank		Furniture	Not for sale	1,120 Bells	Bank of Nintendo
100,000,000 Bells	Green feather		Clothing	Not for sale	50 Bells	Bank of Nintendo
200,000,000 Bells	Blue feather		Clothing	Not for sale	60 Bells	Bank of Nintendo
300,000,000 Bells	Yellow feather		Clothing	Not for sale	70 Bells	Bank of Nintendo
400,000,000 Bells	Red feather		Clothing	Not for sale	80 Bells	Bank of Nintendo
500,000,000 Bells	Purple feather		Clothing	Not for sale	90 Bells	Bank of Nintendo
600,000,000 Bells	White feather		Clothing	Not for sale	100 Bells	Bank of Nintendo
700,000,000 Bells	Rainbow feather		Clothing	Not for sale	110 Bells	Bank of Nintendo
999,999,999 Bells	ABD		Furniture	Not for sale	Cannot be sold	Bank of Nintendo

Includes data sourced from the Data Spreadsheet for Animal Crossing: City Folk, compiled by TimeSword3D, AlexBot2004, and Cuyler.

Animal Crossing: New Leaf

Savings rewards in Animal Crossing: New Leaf

Bells saved	Item	Image	Type	Buy price	Sell price	Available from
100,000 Bells	Box of tissues		Furniture	Not for sale	320 Bells	Post office
500,000 Bells	Letter set		Furniture	Not for sale	300 Bells	Post office
1,000,000 Bells	Piggy bank		Furniture	Not for sale	1,120 Bells	Post office
5,000,000 Bells	Aluminum briefcase		Furniture	Not for sale	300 Bells	Post office
10,000,000 Bells	Post-office poster		Furniture	Not for sale	100 Bells	Post office
20,000,000 Bells	Safe		Furniture	3 MEOW Coupons	189 Bells	Post office  RVs
50,000,000 Bells	Mailman's hat		Clothing	Not for sale	500 Bells	Post office
100,000,000 Bells	ABD		Furniture	3 MEOW Coupons	250 Bells	Post office  RVs

Includes data sourced from the Data Spreadsheet for Animal Crossing: New Leaf, compiled by TimeSword3D, AlexBot2004, AlgebraManiacABC, Chubby Bub, Cuyler, HylianAngel, Kalina70, PanchamBro, SuperHamster, and vmario.

Gallery

• 

  Icon shown when accessing the player's savings account in Animal Crossing

• 

  Icon shown when accessing the player's savings account in Wild World

• 

  The letter received with the Shopping Card in City Folk

• 

  The letter received with the Gold Shopping Card in City Folk

• 

  The player using the ABD furniture item in City Folk

• 

  The player receiving interest on their savings in New Horizons

References

This page could be improved with the addition of images.

You can help by uploading one or more images and including them on this page.
Further details: New Horizons screenshot

This page could be improved with the addition of images.

You can help by uploading one or more images and including them on this page.
Further details: New Horizons screenshot

Gameplay elements

Player Player • Mayor (approval rating) • Catalog • Catch quotes • Hairstyle • Passport • Pockets • Photo • Reaction • Reputation • Resident Representative • Skin tone • Tool • Town Pass Card Town Town/island • Hemisphere • Amenities • Animal tracks • Rebuild the town • Acres • Objects • Public works projects • Town fund • Town initiative • Town ordinance • Lost and found • Group Life House • Happy Home Academy • Balloon • Event • Fashion check • Fêng shui • Home loan • Letter • Luck • Moving • NookPhone • Savings • Visit Activities Badges • Bug catching • Constellation • Designing • Fishing • Mystery Island Tour • Part-time job • Stalk Market • Swimming • Tour (Tortimer Island) Character AI Villager • Starting villager • Special character • Catchphrase • Compatibility • Conversation • Episode • Friendship • Hobbies • Scrapbook Memory • Nickname • Personality • Petition • Sickness • Star sign Quests Ball • Favor • Hide-and-seek • Lost item • Time Capsule Minigames NES games • Doubutsu no Mori e+: Doubutsu-tachi to Asobou! • Desert Island Escape • Animal Crossing Puzzle League Currencies Bells • Caps • Leaf Tickets • Medals • MEOW Coupons • Nook Miles • Play Coins • Poki • Vouchers Vehicles Bus • Camper • RV • Taxi • Train Connectivity Multiplayer • Dream • DS Suitcase • Friend Code • Happy Home Network (Design Contest) • Nintendo Network • Nintendo Wi-Fi Connection • NookLink • Tag Mode • Transfer • WiiConnect24 Cheating Cheating device • Glitch • Gameplay modification • Seeds • Time travel Fourth Wall • Reset • Secret code • Category