The Torn City long term investment Bank is where players can safely store money and gain interest on their funds in a Time deposit style.

There are 5 available time periods (New players are required to complete shorter periods, in order to unlock longer ones)

  • 1 week
  • 2 weeks
  • 1 month
  • 2 months
  • 3 months

Once the investment period is up, you can choose to leave your money sitting there safely until you are ready to withdraw it.

Interest gains

Each investment length of time shows its own annual percentage rate (APR). Each APR will independently vary, and the "best" selection is likely to change over time.

When you spend Merits on Bank Interest, the APR is increased by 5% for each merit spent.

Holding 1.5 million shares of the Torn City Investment Banking Stock further improves interest rates.

Banking Limit

There is a limit to how much you can invest in the bank at any given time; the current limit is $2 billion. This can be increased up to $3 billion by joining a 10* Oil Rig.

Cashier's Checks

Auction sales, failed auction bids and lottery winnings will all be given to you in the form of cashier’s checks which you can withdraw from the bank within 24 hours of being credited before they are automatically credited to your account.


The bank can grant 2 merits via Honors:

  • Pocket Money: Invest any amount in the Bank
  • Green Green Grass: Invest over $1 billion in the Bank

Historical Notes

  • You used to be able to invest any amount in the bank, this led to people exploiting the system by pooling their money and investing it as a whole for insane returns. This was removed from the game and the $2 billion banking limit was put into place for obvious reasons.
  • Bookie payouts and stock sales previously paid out with a Cashier's Check.

Patch History

Released prior to Patch list #1

Patch list #191 : 11/05/21
  • Rebuilt front-end logic functionality of the Investment Bank.
Patch list #146 : 16/06/20
  • Changed bank investment graphics / rates to remain visible throughout an existing investment.
Patch list #143 : 26/05/20
  • Changed longer bank investment periods to be locked for new players until preceding options are completed.
Investment bank rates
  • Each investment length of time now shows its own annual percentage rate (APR). Each APR will independently vary, and the "best" selection is likely to change over time.
  • Natural APRs (i.e. without merit upgrades) are substantially higher than before. Bank Interest merits now increase the APR by 5% each. The target APR with full merits & stock special bonus is approximately the same.
Patch list #97 : 11/06/19
  • Released new investment bank rates.
Patch list #14 : 03/10/17
  • Removed 5 minute minimum remaining period on bank investments after using a Gift Card.
Patch list #5 : 18/07/17
  • Changed one month bank investment base duration from 31 days to 30 days.
  • Changed two month bank investment base duration from 61 days to 60 days.
  • Changed three month bank investment base duration from 91 days to 90 days.