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.

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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.

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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.

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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.