Jake Miller
Monkey Banks are a popular topic of discussion in the Bloons community, with players debating their effectiveness and value in the game. In Bloons TD 6, the Monkey Bank is an upgrade for the Banana Farm that allows players to generate and store money, offering an attractive income generation strategy. However, the key to maximising its benefit is timing. While some players argue that early withdrawals from Monkey Banks reduce their overall efficiency, others advocate for a dual approach, utilising both Monkey Banks and Banana Farms to balance steady income and optimal farming. The Monkey Bank in Bloons Monkey City (BMC) serves as a City Cash storage building, and players must decide whether to invest in upgrades or utilise other strategies like Banana Research Facilities. The decision to use Monkey Banks depends on a player's strategy, available resources, and game objectives, making it a nuanced aspect of the Bloons games.
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What You'll Learn
- Monkey Banks are a good investment if you can afford to not withdraw early
- They are the most efficient income producers when stored until maximum capacity
- The instant money from Banana Research Facilities lets you place more Banana Farms while you wait
- Monkey Banks are best placed as early as possible without neglecting mid-game defence
- Monkey Banks are a good strategy to kickstart income
Monkey Banks are a good investment if you can afford to not withdraw early
Monkey Banks are a good investment, but only if you can afford to not withdraw the money early. The key strength of the Monkey Bank comes from extrapolating its income gain, which is done by storing cash over many rounds. When stored until max capacity, the Monkey Bank becomes one of the most efficient income producers in the entire game.
In the game, the Monkey Bank has a few animations. When idle, the dollar sign slowly wiggles from left to right. If the bank balance is collected, the Monkey Bank "hops", briefly extending its body vertically. With EZ Collect, the dollar sign glows if the bank capacity is full. The Monkey Bank no longer drops bananas but instead generates money throughout the round, which is placed in its own "bank account", separate from that of other Monkey Banks. Money is stored in the Bank, capped to a maximum amount, and the money can be withdrawn via the Collect button at any time.
Between Rounds 20-30 is generally the best time to start off the first Monkey Bank. The main disadvantage of the Monkey Bank is that early withdrawals harm its overall income generation efficiency. It takes several rounds to break even with the stored income of an equivalent number of Farms, and the Bank does not directly generate income without interaction. By having a good defense, the player can keep the Monkey Bank's bank account stored for longer, for a far better reward in the long run.
In terms of numbers, Monkey Banks make around $800 per round, and having a constant income is far better than getting $9500 every 12 rounds. If you can afford to not withdraw the money for 10+ rounds, then banks are best. However, it's not worth not cashing out early if you die before then. In most games, the banks will be more efficient, so there's no point in getting the top path unless you go late-game.
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They are the most efficient income producers when stored until maximum capacity
Monkey Banks are a great way to generate income in Bloons TD 6, especially when you store your cash until the bank reaches maximum capacity. While it may take a few rounds to see a return on your investment, Monkey Banks can provide a substantial income if left untouched for long enough.
The Monkey Bank is an upgrade for Banana Farms, where instead of dropping bananas, it generates money that is stored in its own "bank account". This money can be withdrawn at any time, but the key to maximising its efficiency is to let it reach its maximum capacity before withdrawing. The bank can store up to $7,000, which can be increased to $9,500 with the Bigger Banks MK upgrade. With each round, the bank generates $225, which can be upgraded to $275 and $325 with further upgrades.
By storing your cash until the bank is full, you can optimise your income generation. This strategy is particularly effective if you can ensure a good defence to keep your Monkey Bank safe and allow it to reach its maximum capacity. While it may take some time to break even, once you do, the Monkey Bank becomes an incredibly efficient source of income.
However, it's important to consider the trade-offs. While Monkey Banks can provide excellent income when stored to maximum capacity, they do have some disadvantages. Firstly, early withdrawals can harm their overall efficiency. If you need a steady income for defence, you may be better off with other options. Additionally, it's important to place your Monkey Bank as early as possible to maximise its income generation, but this means balancing your mid-game defence.
In conclusion, Monkey Banks are a great choice if you're aiming for optimal income generation and can ensure their safety. By storing your cash until the bank reaches maximum capacity, you can reap the rewards of efficient and effective income production. However, it's important to consider the trade-offs and ensure that your defence can support this strategy.
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The instant money from Banana Research Facilities lets you place more Banana Farms while you wait
In the Bloons Tower Defense games, players can choose to invest in Monkey Banks or Banana Research Facilities (BRF) to generate income. While Monkey Banks are generally considered a good strategy for income generation, some players argue that BRFs are more effective in certain scenarios.
Monkey Banks are an upgrade to the Banana Farm tower that allows players to generate and store money throughout the round. The money is stored in the bank and can be withdrawn at any time, with a maximum capacity of $7,000, which can be upgraded to $9,500. The key advantage of Monkey Banks is their efficiency in generating income over a long period of time. By placing Monkey Banks early in the game and avoiding early withdrawals, players can maximize their income generation.
On the other hand, BRFs provide instant money, which can be advantageous in certain situations. While BRFs may not be as cost-efficient as Monkey Banks in the long run, the instant cash injection can be used to quickly establish more Banana Farms. This can be particularly useful if players have a large amount of money to start with but need additional farms in a hurry. Additionally, BRFs can be more space-efficient, making them valuable in late-game scenarios where space for farms is limited.
Some players argue that the best use for BRFs is as Monkeyopolis fodder, where they can be sacrificed to generate significant income based on the cost of the farms combined. This strategy can result in high income very early in the game but may not be as effective in the long run. Ultimately, both Monkey Banks and BRFs have their advantages, and the optimal choice depends on the specific circumstances and strategies employed by the player.
In conclusion, while Monkey Banks are generally efficient for income generation over time, the instant money provided by BRFs can be beneficial in certain scenarios. BRFs allow players to quickly establish more Banana Farms while waiting for the Monkey Banks to generate sufficient income. Therefore, players can strategically utilize both options to maximize their income and adapt to the changing demands of the game.
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Monkey Banks are best placed as early as possible without neglecting mid-game defence
Monkey Banks are a great way to boost your income in the game, but there are a few things to consider to make the most of them. Firstly, understand that the key strength of the Monkey Bank lies in its ability to generate and store cash over many rounds. This means that placing Monkey Banks as early as possible is ideal, as it maximises the number of rounds for income generation. Between rounds 20 and 30 is generally a good time to start your first Monkey Bank. However, it's important not to neglect your mid-game defence in the process.
While early placement is advantageous, it's important to remember that the Monkey Bank's efficiency is reduced if you withdraw funds too soon. The bank needs several rounds to reach its break-even point compared to an equivalent number of farms. Therefore, a well-defended game setup will allow you to keep the Monkey Bank's stored income untouched for longer, resulting in a more substantial long-term reward.
To optimise your income strategy, consider using a combination of approaches. For example, you can start by investing in some merchantmen early on, as they provide a steady income that can be useful if your defence needs reinforcement in a few rounds. Additionally, the top path for banana farms can be more profitable in the long run, despite being less efficient initially. This approach provides immediate income that can be reinvested into more farms if your defence is adequate.
While Monkey Banks are powerful income producers when fully utilised, they are not always the best option. In some cases, a Banana Research Facility (BRF) can be more lucrative, especially if you have the funds to invest. BRFs are more expensive but can generate higher returns, as seen in some players' mathematical analyses. Ultimately, the best strategy depends on the specific circumstances of your game, such as level constraints and available funds.
In conclusion, Monkey Banks are indeed worth investing in early on, provided you have a solid mid-game defence to protect your income generation. However, don't be afraid to diversify your income strategies and consider alternatives like BRFs or the top path for banana farms to maximise your financial gains.
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Monkey Banks are a good strategy to kickstart income
The key strength of Monkey Banks comes from extrapolating their income gain by storing cash over many rounds. When stored until max capacity, Monkey Banks become one of the most efficient income producers in the game. In order to maximize the effectiveness of Monkey Banks, it is best to place them as early as possible without neglecting mid-game defense. Between Rounds 20-30 is generally the best time to start off the first Monkey Bank.
However, there are some drawbacks to using Monkey Banks. Early withdrawals harm their overall income generation efficiency, and it takes several rounds to break even with an equivalent number of Farms. Additionally, Monkey Banks require good defense to keep their bank accounts stored for longer periods, which can be a challenge for players. Despite these considerations, Monkey Banks can be a powerful tool for players looking to boost their in-game income.
In Bloons Monkey City, Monkey Banks function differently as City Cash storage buildings that take up one piece of land. Players can purchase one Money Bank when a city is first created, and additional banks can be bought as the city level increases. Upgrades can be purchased to increase the amount of City Cash that each Monkey Bank can hold, making them a valuable tool for players looking to maximize their income in BMC.
Overall, Monkey Banks can be a good strategy to kickstart income in both BTD6 and BMC, but players should be mindful of the potential drawbacks and strategic considerations involved in utilizing them effectively.
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Frequently asked questions
Monkey Bank is the 3rd upgrade on Path 2 for Banana Farm in Bloons TD 6. It generates money throughout the round, which is placed in its own "bank account", separate from that of other Monkey Banks.
Monkey Bank no longer drops bananas but instead generates money throughout the round, which is stored in the Bank up to a maximum amount. The money can be withdrawn via the Collect button at any time. All Banks also have a Collect All button that automatically withdraws from all Banks.
The Monkey Bank becomes one of the most efficient income producers in the entire game when stored until maximum capacity. It is best placed as early as possible without neglecting mid-game defence. Between Rounds 20-30 is generally the best time to start off the first Monkey Bank. However, some players argue that the top path farm is better because it gives money straight away, which can be used to buy more farms.
Alternatives to the Monkey Bank include Banana Research Facility, Monkey Town, Bloon Traps, and Merchantmen.
