How to open a bank account in Inzoi

InZoi, the highly anticipated life simulation game released in early access on March 28, 2025, offers players an immersive virtual world where they can experience real-life scenarios. From career-building to family dynamics, the game allows you to shape the lives of your customizable characters, known as Zois. One of the most useful features in InZoi is the ability to open and manage a bank account, which helps players handle their in-game finances efficiently.
This guide will walk you through everything you need to know about finding banks, opening an account, and utilizing banking services in InZoi.

Why Open a Bank Account in InZoi?

Just like in real life, having a bank account in InZoi is essential for managing your Meow (in-game currency). Here’s why you should consider opening one:

• Secure Savings: Protect your Meow from theft or loss.
• Earn Interest: Some savings accounts generate additional income over time.
• Take Loans: Need quick cash for a house, car, or business? Banks offer loans with a repayment system.
• Convenient Transactions: Transfer money easily between Zois or pay bills without carrying cash.

Where Are the Banks Located in InZoi?

Currently, in the early access version, InZoi features two major cities:

Dowon – Home to Narae Bank

Bliss Bay – Home to Southwest Bank

Both banks operate from 8 AM to 4 PM (in-game time), so make sure to visit during working hours.

How to Find a Bank

• Open your smartphone or map (default key: M).
• Search for the bank icon (usually marked in blue).
• Use waypoints to navigate to the nearest bank.

Once inside, look for an ID scanner placed on a counter or table to begin the account setup process.

How to Open a Bank Account in InZoi

Opening an account is simple and mirrors real-life banking procedures. Follow these steps:

Visit the Bank – Go to Narae Bank (Dowon) or Southwest Bank (Bliss Bay).

Scan Your ID – Interact with one of the ID scanners inside the bank.

Confirm Your Details – Your Zoi’s name and personal information will be registered.

Receive Confirmation – Shortly after, you’ll get a “Welcome” message in your inbox confirming your new account.

Once activated, you can start depositing Meow, applying for loans, and using other banking services.

How to Use Your Bank Account in InZoi

Your bank account isn’t just for storing money—it offers several financial services:

1. Depositing & Saving Meow

• Tiered Savings Accounts: Higher-tier accounts yield better interest rates.
• Compound Growth: The more you deposit over time, the more interest you earn.

2. Taking Out a Loan

• Apply at the Bank: Select the loan option and choose an amount.
• Wait for Approval: Loans take 3 in-game hours to process.
• Receive Funds: Once approved, the Meow will be deposited into your account.

⚠️ Important Loan Repayment Rules

• Missing payments can lock your account or damage your Zoi’s credit score.
• Repay on time to avoid penalties.

3. Transferring Money

• Send Meow to other Zois (friends or family in-game).
• Pay bills directly from your account.

Tips for Managing Your Bank Account in InZoi

• Check Interest Rates: Some banks offer better savings plans—compare before committing.
• Avoid Overborrowing: Loans can help in emergencies, but excessive debt can be hard to repay.
• Monitor Transactions: Keep track of deposits, withdrawals, and loan due dates.

Future Banking Updates in InZoi

Since the game is still in early access, more banking features may be added, such as:

• Online Banking (via smartphone)
• Investment Options (stocks, businesses)
• Credit Cards & Mortgages

Final Thoughts

Managing finances is a crucial part of life in InZoi, and opening a bank account early in the game will help you build wealth, secure loans, and grow your savings. Whether you’re saving up for a dream home or need quick cash for anemergency, the banking system adds a realistic and strategic layer toyour gameplay.

Have you opened a bank account in InZoi yet? Share your experiences in the comments!

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