Cayman Islands bank
What TornLife's research has established about Cayman Islands bank, and the questions players asked about it.
What TornLife has verified
- A 2018 developer suggestion-board reply from Chedburn confirms the Cayman Islands bank is treated as a separate, 'abroad-only' feature: its statement/activity history is deliberately only viewable while physically in the Cayman Islands, kept segmented from the rest of the game by design. (confirmed by Torn; Cayman Island Banking, )
- The only developer post in this pack specifically about Cayman Island Banking (2018) discusses display/statement visibility, not interest mechanics or merits, and does not mention the Bank Interest merit at all. (confirmed by Torn; Cayman Island Banking, )
- The Torn Wiki's Faction Challenges page lists a separate 'Overseas banking' faction perk track (five upgrades, Tier I through V) that increases Cayman bank interest by 5%/10%/15%/20%/25%, unlocked via faction challenges requiring cumulative Cayman interest earned, not via personal merit points. (documented; Faction Challenges › Excursion, )
- The current Cayman Islands wiki page describes the only boosts to the 0.5% base monthly interest as a faction-specials bonus (up to +25% of the base rate, i.e. up to 0.625%) and the 7-star Oil Rig 'Tax Haven' job special (+10%, an extra 0.05%), reaching a stated maximum of 0.675% per month. The page does not list personal Bank Interest merits as a source of Cayman interest increase. (documented; Cayman Islands › Special, )
- The current Company/Special List wiki table confirms the 7-star Oil Rig special 'Tax Haven' gives a 'Passive 10% increase of Cayman Islands interest rate', framing this as a company special effect, distinct from the personal merit system. (documented; Company/Special List — table (rows 7/9), )
- Taken together, the patch note's City Bank-only scope and the wiki's own list of Cayman interest boosters (a faction-challenge perk and an Oil Rig special, with no mention of personal merits) indicate the Bank Interest merit affects only City Bank APR, while Cayman interest is boosted by separate mechanisms. (documented; Cayman Islands › Special, )
- A staff bug-report reply confirms the precise Cayman interest eligibility rule: a deposit made mid-month (e.g. 1 November around 7 PM TCT) is not eligible for that month's interest payout because the money must have been present in the account from the very first minute of the month (00:00:00 TCT) to qualify. (confirmed by Torn; No Cayman Island Interest Payment for Nov-Dec, )
- Staff posts confirm Cayman Islands offshore banking access is tied to being physically located in the Cayman Islands in-game (via sidebar/topbar location options), and that past bugs have affected interest payment runs and account-link display, but none of these staff posts discuss merit effects on the interest rate. (confirmed by Torn; Offshore Banking Is Not In Cayman Islands, )