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I preferred it when you could buy games individually. Now, you've to top up by set amounts and you leave money sitting idle in your account.
Physical shop cards (for almost every online store) are set amounts. You can buy eShop games and only top up the account buy the exact amount, to the cent, and not have anything left over. You’re choosing the wrong option.
And no, the eShop isn’t a bank. How in the world would they earn interest? LMAO.