Your BeCoin lives in a bank account in your city. Open Online Banking from your Profile to see the balance, what's gone in and out, your recurring bills, and any loan.
Account activity
The activity list shows everything in and out. Filter it by direction (In / Out) and by period — today, the last 7 days, this month, the last 3 months, this year.
Auto payments
Recurring costs — rent and the like — are collected automatically. They're charged on the 1st, after your salary lands, for the days you used last month. The list shows what's due and what's already paid, and you can pay one early.
Loans
You can borrow up to a limit shown on the screen, at 1% a month (12% a year).
- Choose the amount and the number of instalments.
- The screen shows your monthly payment, the total interest, and the total repayment before you agree.
- Confirm.
While a loan is active you'll see the amount borrowed, what's left, how many payments you've made, and the due date. Paying late adds a fee.
Closing a loan early
You can settle up ahead of schedule: you pay the remaining principal plus one month's interest, and the screen tells you exactly how much future interest that saves you.
If you can't take one out
- "Loans aren't open yet — you need a higher level"
- "You already have an active loan" — one at a time
- "Loan amount exceeds the maximum allowed"
At the bank in person
The bank is also a venue you can visit. There you can deposit, withdraw, and apply for a loan — applying in person also gives +1 Intelligence.
Where the money comes from
Salary, quest rewards, BeLocal favours, and achievements. See Finding a job and getting paid and About BeCoin.
