Savings

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Not to be confused with Guide:Saving.
Savings WW Icon.png
A player using the Automatic Bell Dispenser in Animal Crossing: City Folk.

The savings account is a feature in all Animal Crossing games that allows the player to deposit or withdraw their Bells, similarly to a real-life bank account. In Animal Crossing and Animal Crossing: Wild World, the player can go to the Post Office or Town Hall, respectively, and talk to Pelly or Phyllis to access their savings. In Animal Crossing, the player can only access their savings account after fully paying off their mortgage. In Animal Crossing: City Folk, Animal Crossing: New Leaf, and Animal Crossing: New Horizons, the player uses the Automatic Bell Dispenser (ABD), also known as the Bellpoint, found at the Town Hall, the Post Office, or Resident Services, respectively. The player can also receive a functioning ABD furniture item in Animal Crossing: City Folk and Animal Crossing: New Leaf after saving 999,999,999 Bells and 100,000,000 Bells, respectively. 0.5% of the total amount of Bells saved is given to the player as interest on the first of each month, capping at 99,999 Bells. In Animal Crossing: New Horizons, as of the 1.2.0 update, the interest rate was lowered to 0.05%, and the monthly cap lowered to 9,999 Bells.

The maximum amount that can be held in the savings account is 999,999,999 Bells, in all games.

Shopping Card[edit]

In City Folk, after 10,000 Bells have been deposited into the savings account, the bank will send a Shopping Card (which is also referred to simply as a card) in the mail. This card functions in the same way as a real-world debit card, allowing the player to spend money in their savings account without carrying the Bells around. A Gold Shopping Card can be obtained by becoming a VIP at the bank, when a total of 1,000,000 Bells has been deposited into the account. It acts exactly like the regular Shopping Card. If the player loses their Shopping Card, they are able to go to the ABD and select "Reissue Card". They will receive a new card in the mail. However, the Gold Shopping Card cannot be replaced.

Rewards[edit]

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.

In Animal Crossing: New Horizons, there are no rewards for passing certain Bell milestones.

Doubutsu no Mori, Animal Crossing and Doubutsu no Mori e+[edit]

Savings rewards in Doubutsu no Mori, Animal Crossing and Doubutsu no Mori e+

Amount Required # Item Image Buy Price Sell Price Available From Group Info Feng Shui Size
99k Bells NH Inv Icon cropped.png 1,000,000 Bells 504 Tissue Tissue Not for sale 99k Bells NH Inv Icon cropped.png 320 Bells Post office (Mail)
- Can be placed on tables Special 1.0 x 1.0
99k Bells NH Inv Icon cropped.png 10,000,000 Bells 505 Piggy Bank Piggy Bank Not for sale 99k Bells NH Inv Icon cropped.png 1,120 Bells Post office (Mail)
- Interactable;
Can be placed on tables
Special 1.0 x 1.0
99k Bells NH Inv Icon cropped.png 100,000,000 Bells 506 Mailbox Mailbox Not for sale 99k Bells NH Inv Icon cropped.png 1,000 Bells Post office (Mail)
- - Special 1.0 x 1.0
99k Bells NH Inv Icon cropped.png 999,999,999 Bells 565 Post Model Post Model Not for sale 99k Bells NH Inv Icon cropped.png 16,000 Bells Post office (Mail)
- Interactable Special 1.0 x 1.0


Animal Crossing: Wild World[edit]

Savings rewards in Animal Crossing: Wild World

Amount Required # Item Image Buy Price Sell Price Available From Group Colors Genre Info Size
99k Bells NH Inv Icon cropped.png 1,000,000 Bells Unknown Box of Tissues Box of Tissues Not for sale 320 Town hall (Mail)
Unknown Unknown Unknown Can be placed on tables 1.0 x 1.0
99k Bells NH Inv Icon cropped.png 10,000,000 Bells Unknown Piggy Bank Piggy Bank WW.png Not for sale 1,120 Town hall (Mail)
Unknown Unknown Unknown Interactable;
Can be placed on tables
1.0 x 1.0
99k Bells NH Inv Icon cropped.png 100,000,000 Bells Unknown Pelly's Pic PellyPicACWW.png Not for sale Unknown Town hall (Mail)
Unknown Unknown Unknown Picture 1.0 x 1.0
99k Bells NH Inv Icon cropped.png 500,000,000 Bells Unknown Phyllis' Pic PhyllisPicACWW.png Not for sale Unknown Town hall (Mail)
Unknown Unknown Unknown Picture 1.0 x 1.0
99k Bells NH Inv Icon cropped.png 999,999,999 Bells Unknown Town Hall Model Town Hall Model WW.png Not for sale 450 Town hall (Mail)
Unknown Unknown Unknown - 2.0 x 1.0


Animal Crossing: City Folk[edit]

Savings rewards in Animal Crossing: City Folk

Item Image Buy Price Sell Price Available From Color(s) Genre Size Info
Shopping Card Shopping Card CF Icon.png 10,000 - Savings - - - Item
Tissue Box FallLeaf.png 100,000 - Savings - - 1.0 x 1.0 Can place on table
Gold Shopping Card Gold Shopping Card CF Icon.png 1,000,000 - Savings - - - Item
Piggy Bank FallLeaf.png 10,000,000 - Savings - - 1.0 x 1.0 Can use, can place on table
Green Feather FallLeaf.png 100,000,000 - Savings - - 1.0 x 1.0 Headgear
Blue Feather FallLeaf.png 200,000,000 - Savings - - 1.0 x 1.0 Headgear
Yellow Feather FallLeaf.png 300,000,000 - Savings - - 1.0 x 1.0 Headgear
Red Feather FallLeaf.png 400,000,000 - Savings - - 1.0 x 1.0 Headgear
Purple Feather FallLeaf.png 500,000,000 - Savings - - 1.0 x 1.0 Headgear
White Feather FallLeaf.png 600,000,000 - Savings - - 1.0 x 1.0 Headgear
Rainbow Feather FallLeaf.png 700,000,000 - Savings - - 1.0 x 1.0 Headgear
ABD FallLeaf.png 999,999,999 - Savings - - 1.0 x 1.0 Can use


Animal Crossing: New Leaf[edit]

Savings rewards in Animal Crossing: New Leaf

Item Image Buy Price Sell Price Available From Color(s) HHA Theme Style Size Info Customize
Box of Tissues Box of Tissues HHD Icon.png 100,000 320 Savings White (x2) - Basic 1.0 x 1.0 Can place on table No
Letter Set Letter Set HHD Icon.png 500,000 300 Savings - - Basic 1.0 x 1.0 Can place on table No
Piggy Bank Piggy Bank HHD Icon.png 1,000,000 1,120 Savings Beige / Pink Harmonious Cute 1.0 x 1.0 Can use, can place on table Yes
Aluminum Briefcase Aluminum Briefcase HHD Icon.png 5,000,000 300 Savings Gray (x2) Sci-Fi & Trendy Modern 1.0 x 1.0 Can place on table No
Post-Office Poster Post-Office Poster HHD Icon.png 10,000,000 100 Savings - - Iconic 1.0 x 1.0 Wall furniture No
Safe Safe HHD Icon.png 20,000,000 189 Savings Black (x2) Sci-Fi Basic 1.0 x 1.0 Storage unit No
Postman Hat WinterLeaf.png 50,000,000 - Savings - - - 1.0 x 1.0 Headgear -
ABD ABD HHD Icon.png 100,000,000 250 Savings Gray (x2) - Basic 1.0 x 1.0 Can use No


Trivia[edit]

On March 6, 2020, Twitch streamer BrianMp16 became the first documented person to legitimately obtain the 999,999,999 Bells necessary to obtain the Post Office Model in Animal Crossing.[1][2]

References[edit]


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