I never saw that before. But I never keep any gold in the bank ... there is, as far as I am aware, no reason for it.

Nice find. Do you get a message or dialogue about it in game, or do you just discover that your account is empty?

The pirates always attack Ravenshore. That's a quest related event, not a time related event. I didn't know the bit about losing gold in the bank, though. Maybe clear out the Pirates and see if it comes back?

Sure, blame it on the Pirates.
"Sorry, Sir, but those awful Pirates took your money. If you run after them (giggle) maybe you can get it back."

I think the only reason to leave gold in the bank is if you die, you lose all money that you are carrying (but not from the bank).

Sounds like in the pirate attack situation, the bank is even worse!

the pirates only attack ravenshore if you leave regna before destroying the pirate fleet. but yeah leaving gold in the bank if you run through to get some quest done but can't get back can be useful as well.

I just finished a test run.

The pirates appear in Ravenshore once Blackwell Cooper is killed. Whether you've visited Regna (or even gotten the key from Cooper's body) is irrelevant.

You only lose the gold in the bank if you visit Ravenshore after Blackwell Cooper is killed. I haven't checked what happens if you wipe out the Regnan fleet before going to Ravenshore; I suspect the bank sum gets zeroed as part of "lock every building in town", and thus the bank would be unaffected if you sink the fleet (therefore ending any pirate attack) after killing Cooper and before visiting Ravenshore again.

Ah, so the vanishing gold is was not really a conscious decision made by the developers (which would have been a nice touch). When I first read it I thought it was, hence my post #3.

The vanishing gold could have been a conscious decision. I was simply speculating; I honestly don't know. Since gold in the bank is supposed to be safe, and all banks are connected, and considering the rushed nature of the game in a lot of areas, I'd assume "bug" rather than "feature".

Or the Regnans are just really, really good pirates, stealing money from the banks in Shadowspire and Balthazar's Lair from right under the noses of the Necromancers and Minotaurs. ;) To answer this question: the money is just gone. In my test, I left a thousand gold in the bank to see what happens to it. It was simply gone after I visited Ravenshore during the pirate attack. Clearing out the Ravenshore pirates didn't help, and sinking the Regnan fleet after the money was gone didn't bring it back. It was gone from the Shadowspire bank as well (this was the only bank outside Ravenshore I bothered to check. I assume every other bank reacts the same as the Shadowspire bank).

A little bit of extra testing is complete.

If you don't visit Ravenshore between the time you kill Blackwell Cooper and the time you sink the Regnan fleet, then you never see the pirate attack and your money in the bank is untouched.

Money deposited in one town's bank can be withdrawn from another, so there must be inter-bank arrangements.

Pirate goes into bank. "All your customers have authorised me to withdraw all the money in their accounts."

Banker: "I'll need to see those authorisations."

Pirate shows banker his cutlass.

Banker: "Yes-s-s s-s-sir."

We could say that the accounts have all been hacked.