There are two banks in the game that will change your old money into spendable gold if you ask them. There’s the Bank of Vivaldi on Heirarch Square in Novigrad, and there’s the Cianfanelli Bank at The Gran’place in Toussaint.
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Making money from Smuggler’s Caches
You’ll start to uncover hidden Smuggler’s Caches, scattered in the sea around the islands of Skellige. These are a good source of income.