Mabinogi Tax and Fee Evasion Guide

Mabinogi Tax and Fee Evasion Guide by Yogurticecream

We all know the pain of tax in Mabinogi. This guide is especially for those who are very frugal and tight on money-spending in Mabinogi.

For the Nation!

~Table of Contents~
1. Know your important Mabinogi taxes and fees.
2. Legality of tax and fees evasion
3. Requirements for tax and fees evasion
4. How do you evade taxes
5. Credits
6. Archives

1. Know your important Mabinogi taxes and fees.

For every 50,000 gold (one big moneybag) you deposit into the bank, 10% is paid back to the bank. You end up depositing only 45,000 gold and 5,000 gold is given as bank transaction fees. This also applies for depositing money from your house.

Taking out a check requires a 5% processing fee, meaning that if you withdraw a 50,000 check, you have to pay 2,500 gold. You pay 52,500 gold as a result of getting a 50,000 check.

If you receive mail that needs to be paid for, you have to pay an additional 5% of the requested amount if paid from money on-hand, or an additional 10% of the requested amount if you are paying by bank transaction.

If you buy anything in player shops, NPC shops or housing that cost over 50,000 gold and choose to pay by bank transaction, an additional 5% processing fee will be charged (same fees for taking out checks).

On a Wednesday, the bank transaction fees drop by 25%. (i.e. 10% fees rate will drop to 7.5%.)

On a Wednesday, there is a decrease in prices (5%) for items in NPC shops.

2. Legality of tax evasion

Is there a tax police in Mabinogi?

I doubt it, and I feel you are relatively safe unless you are printing money, which is not what I’m going to teach you how to do.

Some methods do however require help of a friend, or dual-clienting with two accounts, or two computers with two accounts. It depends on how you will want to do it. Do whatever you think is comfortable, or you can always choose to play legitly and not evade taxes at all.

3. Requirements for tax and fees evasion

– You need a lot of Big moneybags. 5-6 Big moneybags is good, and having 10 will be even better. If you are short on moneybags, you can also borrow from friends.

– For two scenarios below, you need access to service, be it paid or beginner service.

4. How do you evade taxes

Scenario 1: You want to buy something from an NPC, and you want a discount.

Example 1: You want to enchant your Jackal/Racoon Cub suit, you want to prepare a ton of Viper outfits and so you need magical clothing from Fleta.
Example 2: You want to buy a Lace Tier Skirt from Tara auction NPC (It costs 600k and you want a discount.

I recommend a lot of Big moneybags for the first example. Most of the magical clothing are under 200k, and having 5-6 moneybags is usually enough.

However, if the clothing that you are buying is really expensive, like the Lace Tier Skirt and many other fashionable items offered by Tara auction NPC (in future updates), it’s not feasible to have so many moneybags just for the item. In which case, you have purchase it by bank transaction.

For both examples, it’s best to buy the items on a Wednesday to get your 5% discount. You will also want to look out for a good colour on the outfit to save some money on dyes.


Scenario 2: You do not own a house, and you don’t want to pay the 10% bank deposit fees.
Wait until Wednesday and deposit your money at 7.5% tax cost.


Scenario 3: You are a House Owner, and you don’t want to pay the 7.5%/10% bank deposit fees.

Let all your money sit in housing until it expires. When you collect them in a form of a housing check, only 5% will be deducted as tax.


Scenario 4: You are a House Owner, and you don’t want to pay the 7.5%/10% deposit fees, neither do you want to pay the 5% tax fees for letting money sit in housing until housing expires.

Currently as of now (June 23rd 2013) the store licenses are about 10k gold each, so factor them into cost considerations before using this method.

You need dual client capabilities, or a trusted friend to help you with this.
You need plenty of moneybags to withdraw from housing, 50,000 gold at a time.
It is advisable to have at least 15 money bags, and more so if your alternative characters/friends can store even more.
Give these moneybags to your alternative character/trustable friend.

Buy a store license at 10k gold, it can be anywhere.
Set up this store anywhere.
Open your shop, and place useless items (like cobwebs) for sale at the maximum gold price possible.

Allow the alternative character/trusted friend to purchase the item.
Close the shop, and deposit the license back into your own bank.

The reason for this is because there is only a 2% sales and exchange fee. There is a 1% sales and 1% exchange fee. You will usually not need to spam licenses unless you earn above the limit which is about 10 million gold.

i.e. You deposit 5 million to the bank by this method, and you’ve saved at least 290k gold. Think of the things you can buy with 290k gold that would have otherwise have been lost forever to the Great Bank of Mabinogi!

5. Credits

– Mabinogiworld wiki (Bank page for all the tax information)
– Arsik (for finding my tax evasion images on old forums, unfortunately they did not survive through the passage of time)

P.S. This guide is for Mabination. It should not appear elsewhere without my permission.

6. Archives

The following is no longer applicable due to the changes in housing licences, and that shop/inventory service is made free for everyone.

Scenario X: You are a House Owner, and you don’t want to pay the 10% deposit fees.

Place an alternate character at Tir, and buy a few Tir beginner shop license from Bebhinn the Banker. (Bebhinn Merchant License No. 1) Each Tir beginner shop license costs 100 gold.
Take out all your moneybags from the pet, and give all these moneybags to a second character to hold it.

Open your shop, and place useless items (like cobwebs) for sale at 50,000 gold.
Allow the second character to purchase the item.
Close the shop, and deposit the license back into your own bank.
Withdraw checks if your bank cannot hold any more money.

The reason for this is because there is no sales and exchange fee for the No. 1 license. You can use other licenses, but they will be more costly at 4k+ each and there is a 1% sales and 1% exchange fee.. You will not need to spam licenses if you use these.

If you use the No. 1 license, you retain the 10% that you will normally pay to the bank for depositing directly.

You will also have saved a lot if you want to withdraw a check. In this way, you only spend 2,500 gold for withdrawing a 50,000 gold check. If you went through the usual way, you would have to spend 5,000 gold to deposit that amount and then 2,500 gold to withdraw your check, which is three times more. It may be a small amount, but it will add up to a huge sum of money with bigger deposits.

E.g. You deposit 5 million to the bank by this method, and you’ve saved at least 500k gold. Think of the things you can buy with 500k gold that would have otherwise have been lost forever to the Great Bank of Mabinogi!

Scenario XX: You are a free service user who earns gold in any way possible (farming, opening mule shops) and wants to keep excess money in checks.

This is tricky, because you need free service to do this. Use the same method as listed as scenario 3, except that you will deposit to the bank of the character with free beginner service and withdraw your checks after that.

Other Mabinogi Articles
PlayerUnknown’s Battlegrounds Useful Tips
Stellaris Beating The Contingency Guide
Overwatch D.Va Micro Missiles Guide
Destiny Legendary Guns Comprehensive Guide
Destiny Savathun’s Song Nightfall Guide
Destiny Ghost Shell List By Type and Location
Starting To Dress Well In-Depth Guide
How To Grow Any Instagram Account Guide
Mobile Legends Split Pushing Guide
Mobile Legends Outplaying Your Opponent Guide
Mobile Legends Using Skeleton King Effectively Guide
Mobile Legends Advanced and Hidden Mechanics
Mobile Legends Items And Stats List
Mobile Legends Zhao Yun Guide
Mobile Legends Yi Sun-Shin AP/ADC Hybrid Guide
Mobile Legends Tigreal Guide
Mobile Legends Tigreal Tips and Builds
Mobile Legends Saber Tips
Mobile Legends Saber Guide
Mobile Legends Ruby Glorious Legends Guide
Mobile Legends Ruby Tank Build Guide
Mobile Legends Ruby Guide
Mobile Legends Ruby Tips
Mobile Legends Roger Guide
Mobile Legends Rafaela Basics and Fun Builds Guide
Mobile Legends Rafaela Tips
Mobile Legends Rafaela Ice Build Guide
Mobile Legends Natalia Solo Queue Guide
Mobile Legends Nana AD Carry Build
Mobile Legends Nana Support Build
Mobile Legends Moskov GL Guide
Mobile Legends Moskov Guide
Mobile Legends Miya Solo Q Carry Guide
Mobile Legends Minotaur Guide
Mobile Legends Lolita Guide
Mobile Legends Layla GL Guide
Mobile Legends Karina Guide
Mobile Legends Kagura Guide
Mobile Legends Johnson Guide
Mobile Legends Harley Quick Guide
Mobile Legends Gord Build
Mobile Legends Franco Guide
Mobile Legends Fanny Tips
Mobile Legends Fanny Hybrid Guide
Mobile Legends Eudora Epic Guide
Mobile Legends Eudora Guide
Mobile Legends Estes Guide
Mobile Legends Jungle Cyclops Fast Guide
Mobile Legends Cyclops Legend Guide
Mobile Legends Clint Guide
Mobile Legends Chou Legend In-depth Guide
Mobile Legends Chou Legend Guide
Mobile Legends Bruno Build Guide
Mobile Legends Bane Guide
Mobile Legends Alucard Rank Burst Build Guide
Mobile Legends Alucard Guide
Mobile Legends Alice Guide
Mobile Legends Alpha Guide
Mobile Legends Solo Q Guide
Mobile Legends How to Climb the Ladder Guide
Mobile Legends Solo Ranked to GL Guide
Mobile Legends Marksmen Tips
Mobile Legends Useful Tips
Mobile Legends New Player Mistakes to Avoid
Mobile Legends Tips for Ranked Games
Mobile Legends Basic Tips and Guide to Playing Better
Mobile Legends Lane Management Guide
Mobile Legends Picking Your Main Role Guide
Mobile Legends Team Composition and Set Up Guide
Clash Royale Ladder Climbing Psychology Guide
Clash Royale Sparkynado Guide
Fortnite Character Tier List
Vainglory Reaching Bronze Guide
Clash Royale Spell Bait Deck Guide
Clash Royale Princess Ultimate Guide
PlayerUnknown’s Battlegrounds Hidden Mechanics and Tips
Clash Royale Cannon Cart Guide
Overwatch Soldier 76 Training Complete Resources List
PlayerUnknown’s Battlegrounds Solo Guide from Rank 500 Player
CS:GO Max FPS Nvidia 3D Settings
Overwatch Self Destruct Detailed Guide
Overwatch Finding the Correct Sensitivity Guide
Overwatch Aiming Better Complete Guide
Overwatch Choosing Crosshairs Guide
Albion Online PvP Combat and Weapons T4 Transition Guide
Albion Online Mage Weapons Guide
Albion Online Warrior Weapons Guide
Albion Online Hunter Weapons Guide
Rocket League Skills Needed To Rank Up To Gold
Albion Online Gathering Complete Guide
Albion Online Gathering Beginner to Expert Tips
PlayerUnknown’s Battlegrounds Solo Player’s In-Depth Guide
Overwatch Playing With Sombra On Your Team Guide
League of Legends Riven Kit and Combos Complete Guide
Clash Royale Terminology and Dictionary
Overwatch Grandmaster Roadhog Guide
Overwatch Sombra Tips and Guide
Vainglory Heroes and Roles Guide
Brawl Stars Bo Guide
Mobile Legends Lapu-Lapu Best Build Guide
World of Warships Yorck Guide
Brawl Stars Beginner’s Guide
Clash Royale How to Datamine Guide
Clash Royale The Log In-depth Guide
Clash Royale Trophy Pushing and Tilt Avoiding Guide
Clash Royale Snowballing Strategy Guide
Overwatch D.Va Advanced Guide
World of Warships Operations 5 Stars Guide
Overwatch Beating Legendary Uprising Full Guide
Overwatch Headshot Hitbox Guide
CS:GO Being An In Game Leader (IGL) Guide
CS:GO Improving For All Players In Depth Guide
Overwatch Pharah Rocket Aiming and Predictions Guide
Overwatch Pharah Target Priorities Guide
Clash Royale Knight In Depth Guide
How To Pay Less For Clothes Guide
Light Jackets Comprehensive Men’s Fashion Guide
World of Warships Torpedo Reaction Time List
Clash Royale Using Off Meta Decks Guide
Clash Royale Freeze Spell Ultimate Guide
Clash Royale EsoPa Miner Poison Deck Guide
Clash Royale Macro Play and Decision Making Guide
Clash Royale Why Are Low Elixir Cost Cards ‘Better’?
Clash Royale Lane Sealing Guide
Clash Royale Card Synergies Ultimate Guide
Clash Royale Building A Draft Challenge Deck for 12 Wins
Overwatch Winston Complete Guide
Steam How to Download Older Versions Of Games
Yu-Gi-Oh! Flower Cardians Guide
World of Warships New Captain Skills Guide
Overwatch Zenyatta In-Depth Guide
Heroes of the Storm Alarak Guide
Heroes of the Storm Nazeebo Guide
Heroes of the Storm Lucio Beginner’s Guide
Pokemon Go Defeating Blissey Guide
FIFA 17 Getting One Million Coins Guide
FIFA 17 Bronze Pack Method Guide
Overwatch Pharah Tips Versus Hit Scans
Clash Royale Graveyard Basic Guide
Overwatch Sombra Map Viability Guide
Overwatch Using Whole Hog Guide
Battlefield 1 Tanker Tips and Tricks
FIFA 17 Useful Tips for All Players
Pokemon Sun and Moon Breeding Shiny Pokemon Guide
Overwatch Why You Are Not Getting Healed
Clash Royale Lane Pressure Comprehensive Guide
Clash Royale Countering Graveyard Freeze Combo Guide
Clash Royale Pekka Guide
Overwatch Advanced Tips from a Master Player
Clash Royale Bomber Guide
Clash Royale Goblin Barrel Guide
Overwatch Working With Your Healers Guide
Battlefield 1 Medic Guns Guide
FFXIV Savage Raiding Tips
Puzzle & Dragons Radar Dragons Guide
RuneScape Merching Guide
Pokemon Sun and Moon Post Game Activities List
Pokemon Sun and Moon Competitive Breeding Guide
Overwatch 3v3 Mode Comprehensive Guide
MapleStory V Matrix Optimization Guide for All Classes
LoL AD Carry Laning Tips
Clash Royale Deck Building Tips from Pros
Heroes of the Storm Tips for Ranked Play
Pokemon Go Tips for Playing More Efficiently
Overwatch Roadhog In-Depth Guide
Heroes of the Storm Abathur Advanced Tips
Heroes of the Storm Common Hero Mistakes
Overwatch Roadhog Tips and Tricks
Paragon Jungling Tips
Paragon Countess Build and Guide
LoL Leaguecraft 101 Summaries
Pokemon Sun and Moon Poke Pelago Comprehensive Guide
LoL How To Un-tilt Yourself Guide
Clash Royale Inferno Dragon Strategy Guide
Clash Royale Counter Elite Barbarians Guide
Battlefield 1 Destroying Heavy Tanks Guide
Clash Royale Electro Wizard Challenge Tips
Paragon Carry Role Murdock Guide
Paragon Countess Ability Penetration Guide
Paragon Bronze To Top 100 Advice
Paragon Complete Cards List
Paragon Ward Placement Guide
Pokemon Sun and Moon Making Most of Festival Plaza
Heroes of the Storm Rexxar Guide
Heroes of the Storm Climbing Out of Low Ranks Guide
Heroes of the Storm Zarya Comprehensive Guide
Pokemon Sun and Moon Island Scan Guide
Pokemon Sun and Moon Festival Plaza Guide
Pokemon Sun and Moon Bottle Cap Farming Guide
Pokemon Sun and Moon Get a Salamence In The Beginning Guide
Pokemon Sun and Moon Getting Perfect Chaining Smeargle Guide
Pokemon Sun and Moon Level to 100 in 2 Hours Guide
Pokemon Sun and Moon High Levels Experience Guide
Guild Wars 2 Ascended Gearing Guide
Dota 2 Playing A Good Support Early Game Guide
Dota 2 Support’s Items Complete Guide
Clash Royale Furnace Complete Guide
Clash Royale Graveyard Comprehensive Guide
CS:GO Becoming A Smarter Player Guide
Heroes of the Storm Map Strategies
Clash Royale Miner Complete Guide
Heroes of the Storm How To Lane Guide
Heroes of the Storm Beginner’s Complete Guide
Overwatch Junkrat Team Oriented Play Guide
Clash Royale Lava Hound Basic Guide
Overwatch Carrying As Support Guide
Battlefield 1 Important Tips
Overwatch Hero Meta Tier List
Rocket League Offensive Positioning and Rotation Guide
Repairing Your Credit Score Guide
Pokemon Sun and Moon Demo All Obtainable Items Guide
Destiny Skeleton Key Chest Loot Chart
Destiny PvP Guide to Getting Good
Destiny Heroic Wrath of the Machine Easy Guide
Overwatch Mercy In-Depth Guide
Dragon Nest What To Do After Level 93
Dragon Nest Leveling 1 to 93 Guide
Dragon Nest What Class to Play Guide
Elite Dangerous Weapon Damage Stats List
Elite Dangerous Fixed Weapons Guide
Elite Dangerous Circle Strafing Guide
Heroes of the Storm Low Tier Ranked Climbing Guide
Destiny Light Level Boosting Caps List
WoW Legion Mythic Dungeons Tips and Guide
WoW Legion Classes Overview Which to Pick Guide
Path of Exile Identifying Valuable Items Guide
LoL Vi Advanced Tips and Tricks
Yu-Gi-Oh! Ojamas Guide
War Thunder Best Tier 4 Grinders Guide
Duelyst Swarm Abyssian Guide
Duelyst Solo Challenge Solutions Guide
Duelyst Budget Lilithe Decklist and Guide
Duelyst Backstabhai S-Rank Deck Guide
Clash Royale Musketeer and Ice Spirit Techniques and Combos
Clash Royale Ice Golem Advanced Techniques and Combos
Overwatch Peripherals, Settings and Posture Guide
Overwatch Streamers To Watch for Each Hero
Destiny Power Level Past 365 Light Guide
Osu! Improving Yourself Guide
Destiny 365 Light Without Fireteam Guide
Evolve Competitive Perks Setup For All Roles
Evolve Hunter Tips and Advice
Evolve Assault Competitive Perks Guide
Pokemon Go Getting Maximum Coins From Gyms Guide
Clash Royale Giant Bowler Decks and Counters Guide
Clash Royale Lava Hound Ultimate Guide
Clash Royale How to Use Every Legendary Guide
Clash Royale Mega Minion Guide
Clash Royale Inferno Dragon Guide
Rocket League Ground Dribbling and Flicks Guide
Hearthstone How to Practice Effectively Guide
Destiny Wrath of the Machine Loot and Locations Guide
Destiny Wrath of the Machine Comprehensive Guide
Overwatch Lucio Healing Guide
SWTOR Warzone Mechanics Guide
Black Desert Online Grind Spots Etiquette Guide
MH Generations Monster Drops Getting What You Want Guide
Overwatch Playing Against Mei Guide
Overwatch Zarya Energy Guide
Pokemon Go Important Tips Guide
Overwatch Ana Healing Guide
Pokemon Go Countering Less Common Gym Defenders
Pokemon Go Countering Dragonite and Snorlax
Pokemon Go Base Catch and Flee Rates
Destiny Reputation Guide for Leveling
Summoners War Trial of Ascension Full Guide
SMITE Xing Tian’s Mountain Guide
War Thunder Flight Energy Guide
Clash Royale Sparky Elixir Management Guide
Overwatch Getting Good with Reinhardt Guide
Clash Royale Ice Spirit Strategy Guide
Overwatch Achievement Guide
Overwatch Healing Guide
Pokemon Go Weave DPS Best Movesets Guide
Pokemon Go Countering Grass Type Gym Defenders
Clash Royale All Tank Units Guide
Pokemon Go Holding Gyms For 5 Days Guide
Overwatch Lucio Speed Buff Guide
Overwatch Bastion Tips
Clash Royale Log Spell Guide
Pokemon Go Countering Water Type Gym Defenders
Pokemon Go Countering Fire Type Gym Defenders
Pokemon Go Buddy System Distance Per Candy List
Clash Royale Using Each Card on Defense Guide
Overwatch Genji Dragonblade Guide
Overwatch Reinhardt Guide
Overwatch Being Nano-Boosted by Ana Guide
Overwatch Mercy Detailed Guide
Evolve Renegade Abe Guide
Monster Hunter X Switch Axe Combo DPS Guide
Monster Hunter X Switch Axe Infinite Burst Combo Guide
Evolve Assault Unlock Priorities Guide
Evolve Support Unlock Priorities Guide
Evolve Medic Unlock Priorities Guide
Evolve Jack Guide
Black Desert Online Kunoichi PvP Guide
Brave Frontier Endless FG Guide
Overwatch Competitive Play Guide
Overwatch Pharah Beginner’s Guide
Clash Royale Sparky Troop Countering Strategies Guide

Leave a Reply