Bank of the Universe

Bank of the Universe


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Last Update 16 hours ago

Bank of the Universe novel is a popular light novel covering Action, Adventure, and Comedy genres. Written by the Author Girl Wears Short Skirt. 539 chapters have been translated and translations of other chapters are in progress.


Li Xiandao obtained the ancient Bank of the Universe but now the bank was totally empty and had no treasures at all. The only thing it had were a bunch of debts.
– The Eternal Celestial King, borrowed a supreme celestial artifact and will pay back two pieces after 3,000 years. He will pay an additional piece for every 1,000 years after the expiry date!
– Moon Celestial, loaned a high-quality face, returned after 10,000 years. If overdue, she will pay with her life!
-Time Immemorial Sage loaned 10,000 years in life from the Bank of the Universe in order to break through. After he breaks through, he will pay back 10,000 years. If late, he must pay back ten times the amount!

Li Xiandao looked at these debts and at the empty Bank of the Universe. He made his mind up to become a true expert, to find all these supreme beings to get back the overdue debts one by one!

A powerless mortal had became the biggest creditor in the Nine Heavens and Ten Lands and even the entire Celestial World!

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  • lnwUser40247
    Mar 02, 2021

    Dang the translate. man got me mess up

  • Regressor
    Feb 21, 2021

    It became boring....well I can totally guess story...It became so predictable.....there were so many ways to improve the he can go himself or send some subordinates to adventure to gather items and then increase his list of things for exchange or rental.....he can try to add new functions like his predecessors( methods to increase accessibility to provide more services like insurance or stocks, or methods of payment like instalments or pre-order etc).....he can hire or buy more slaves to spread his popularity or act as agents.....all he did was acting like manager on someone's already prepared stage....

  • soukka
    Feb 20, 2021

    It became boring so I'm gonna drop it for now. But I have a question: will he remove his mask in the future? (I'm at chap 230 rn) I feel like it's just a hindrance since his face is handsome right? (no homo) What's the point of wearing a mask? He's already very strong so even if he doesn't have a mask he will still give a mysterious or cool aura.

    • KYR0S
      Mar 03, 2021

      Afterwards he just shows it to everyone, because he is strong enough to not be scared of anyone at the stage he is.

  • soukka
    Feb 19, 2021

    "Bank of universe!" He said calmly. "That's right, I am!" He said expressionlessly. "Hello, granddad deity" She shouted respectfully I'm not a author or someone who excels at English but...I can tell that there's something wrong here.... No hate tho, this is really good story 9/10

  • Einzheil
    Feb 18, 2021

    It has romance as a catagory I’m currently 400 chapters in no real romance yet. Can someone tell me if there is any and where it starts. Thanks!

    • aRsin
      Feb 27, 2021

      I think it just hasn't gotten to it. I believe he and the spirit lady thing of the bank are gonna get together at some points(there's hints everywhere where the spirit lady like looks at him romantically) but it just hasn't gotten there yet

  • jusApasserby01
    Feb 13, 2021

    any update about the Demon Swallowing Technique or something?

  • Tobyritz
    Feb 05, 2021

    The translation was good at first, but man after many chaps I get headache.

  • MrKhonsu
    Jan 04, 2021

    Wow, I’ve read only 30 chapters and its already so good! don't mess with banks

  • lizardman149
    Dec 31, 2020

    Post more chapters the soon as possible! One of the best novels I ever rad

  • Onion_violet
    Dec 29, 2020

    nice discription :) [first >:>] *again* >:>

7 Reviews


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Great novel! I recommend it to anyone. I have two complaints about it though, firstly the romance between MC and FMC is way way way too slow, and that sometimes the debtor stories get a little old, repetitive, or alright boring.

Really good though, those 2 things don't stop it from being an awesome novel that's fun to read and relatively well written in comparison to most novels.

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thumb_up 0 comment 0

This one is really good,I usually drop LN like this,but this one is an exception,Im Only on chapter so maybe im gonna change my mind,but this has a great start

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thumb_up 0 comment 1

Omg i really love this novel , funny and good storyline so far . The mc is very strong (not originally strong at first) and having many loyal subordinates/friends (they all talented and slowly become even more stronger) . Cant wait to see them ascend to heaven sky 🤩

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thumb_up 0 comment 0

Passable is too strong.... simple summary is that. Mc got a bank and he found out that bank have many debts to story goes on it became boring at some point. There is no adventure spirit. No hardship in cultivation or much emotional turns.

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thumb_up 0 comment 0

Hilarious, good plot, capitalist mc who built his strengths through his business sense. 10/10 would recommend. Give it a try you GONNA be super hooked on this gem of a novel.

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thumb_up 0 comment 0

I absolutely agree with the review below me this novel is really fun and refreshing to read, the only thing that can put you off is that sometimes the translations on some parts are terrible.

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thumb_up 2 comment 3

This is definetely a top tier novel and is just so refreshing. I liked he summary but loved the story. The idea is very good but also very executed. Its funny and a really refreshing read and a really good wuxia novel. Its not in the same tier as martial world or custom made demon king but is just a step down from them. MC is smart and proud but not to the poiny of being aroggant (an extreme plus in my opinion cause some mc are a real turn off sometimes). Love his subordinates and the love life is very good. He gains strength in a pace that is very stable and follows perfectly to the story. (Meaning he doesnt get op so fast but isnt weak by any means especially the way the story goes). 10/10 would read great mc and a very nice plot.

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