Your current account is your life in the arcade. All five building games are your businesses — what they earn, you take out as a private withdrawal onto your account, and from there you pay rent, food, electricity, phone and the broadcasting fee, just like in real life. Everything is counted in euros (play money, of course).
The figures on this page are the current default values — the operator can adjust them. What the bank shows you in the game is always what counts.
Everyone starts with €0 — there is no starting money. You get your capital the real-life way: with a bank loan.
Good to know: It is not the interest that hurts, it is the daily instalment. On €1,000 that is €5 a day — your business has to earn that reliably.
On the 28th of every month the bank debits your cost of living. Your first month is free — the first debit comes on the 28th of the following month. The items:
| Item | Amount |
|---|---|
| Rent (furnished room in a shared flat) | €450.00 |
| Food and drink | €300.00 |
| Electricity | €45.00 |
| Phone and internet | €35.00 |
| Broadcasting fee | €18.36 |
| Total | €848.36 |
That sounds like a lot, but it is not: it works out at roughly €28 a day — a single well-run business covers that easily.
Your first billing is pro-rata: join on the 15th, and on the 28th you only pay for the days since you started — not the whole month. From the second billing on, the full amount applies.
If your account does not cover the 28th, the bank takes the rest from the game holding the most money. If even that is not enough, your account goes into the red — the next section explains exactly how that works. Incoming money settles the red first. And to help you back on your feet, your credit limit automatically grows by exactly your arrears plus one cost of living while you are behind — emergency headroom that disappears again once everything is paid.
💡 By the way, rent and food are no longer fixed amounts — with a home, furniture, subscriptions and more you shape these items yourself; how that works is explained in the guide 🏠 Private life.
If your current account is short on the due date, the bank automatically takes the rest from the business holding the most money. If there is nothing there either, you go into the red — and from the second day that costs 19 % interest a year.
| Option | Interest p.a. | on €1,000 |
|---|---|---|
| Move money from your businesses | — | free |
| Bank loan | 12 % | €0.33 a day |
| Overdraft (account in the red) | 19 % | €0.52 a day |
The overdraft costs over half as much again as a loan — just like in real life. It is the convenient emergency option, not a plan.
As soon as your balance drops below zero, the bank shows you your three options: take money out of your businesses (free), apply for a loan (cheaper), or let the overdraft run (expensive). You are reminded whenever you start a game while your account is in the red.
At −€1,000 it stops: the five business games stay closed until you are back above that line. The start page, current account, bank and market hall stay open — so you can always reach your money and transfer it from your businesses to your account.
The bank rewards playtime. You start with a limit of €1,000. For every full half hour you actually play, it grows by €250 — at most 2 hours count per day (so up to +€1,000 a day), capped at €3,000 in total. Only real playtime counts: breaks and closed tabs do not. Today counts immediately; the bank shows you your current limit.
Step by step this gets you into all the small businesses: farm (~€150), haulage (~€300) and apartment empire (~€605 thanks to the deposit starter help). The clinic and the rail works are deliberately not reachable via the automatic loan — you finance those from your businesses' profits or with a personal application to the operator.
If you need more than your limit allows, it becomes a personal application: you name the amount and write a short reason — what is the money for, how will you pay it back? The operator reads every application personally and can approve it, decline it or make a counter-offer (for example €2,000 instead of the €3,000 you asked for, or a different interest rate).
Even an approved application is only paid out once you have seen the offer with its interest and instalment and accepted it. A good reason genuinely helps — applications without a plan have a hard time.
You can pay off any running loan at any time, in part or in full — straight from your current account. Every euro repaid early stops earning interest against you, so you save real money.
Each of the five games is a business that you open once. You choose the opening amount freely — even €0 is allowed: the business then starts without capital and you top it up later.
Everything runs in real euros, 1:1. What you deposit is exactly what lands in the business till; what you take out arrives exactly like that on your account. The five businesses form a career ladder: farm (~€150 to open) → haulage (~€300) → apartments (~€605 with the deposit starter help) → clinic (~€15,000) → railway (~€100,000). When paying in or taking out, the bank always shows you exactly what arrives on the other side — moving money back and forth never creates any.
Money you do not currently need can be put away. The rate is an annual interest rate — for shorter terms you receive the matching share. The ladder (defaults today):
| Term | Interest per year |
|---|---|
| 1 month | 1 % |
| 3 months | 2 % |
| 6 months | 3 % |
| 9 months | 4 % |
| 12 months | 5 % |
Short breaks cost nothing: nothing spoils, your businesses wait for you. Only after a long absence does the bank act — in two stages, each with advance warnings:
As soon as you play once, the counter resets completely. Drop by now and then and you never have anything to fear.
At the very bottom of the start page you can start over. Think twice — it cannot be undone: