Idle Bank Run

Idle Bank Run is an idle tycoon where you grow one branch into a global banking empire, balancing lending risk, capital reserves, compliance pressure, and rival competition.

START SMALL, SCALE GLOBAL
• Tutorial walks you through tellers, branches, and your first loan
• Expand into new cities, unlock branch services, and hire loan agents
• Earn offline progress with branch revenue and payroll breakdowns
• Multiple local save slots with export and import

LEND, COLLECT, RECOVER
• Issue personal, mortgage, car, business, payday, and credit card loans
• Negotiate defaulted loans or sell debt to cut losses
• Buy delinquent portfolios and run debt collection operations

RUN THE FULL FINANCIAL DESK
• Trade stocks, bonds, funds, crypto, and more on the investment desk
• Own companies: shareholder decisions, dividends, takeovers, mergers, and IPOs
• Manage insurance reserves, sell cyber policies, and handle claims
• Fight legal cases, pass audits, lobby regulators, and weather bank runs

ASCEND WITH FEDERAL CHARTERS
• Prestige for Global Bank Tokens and permanent upgrade bonuses
• Pick charter mandates that reshape your next run
• Late-game depth: branch maintenance, capital reserves, regional licenses

REPUTATION, CHARITY AND RIVALS
• Track reputation milestones and unlock better clients
• Donate for tax deductions and charity drive bonuses
• Compete against rival banks on the overview leaderboard

Simulated finance. Not real banking or investment advice.

Recent changes:
v1.3.4 — Locked capital & reserve tools
• Clearer regulatory locked capital rules; CD customer funds excluded until maturity
• Restore Reserve now builds toward a 10% savings cushion above the minimum requirement
• Reserve Auto-Deposit on Overview sweeps income into locked capital
• Offline welcome-back shows clearer branch, debt, and tax penalty accounting
• Insurance reserve yield bug fixed
• Cyber Insurance: withdraw reserve back to vault)*
• Stability & Performance enhancements