Hi,
With the new patch, the world will be changed.
So, all of your characters will be wiped.
You will get gold coins in your bank box with this formula.
Level of the most leveled character in your account * 1000
For example:
If you have 30 level character as most leveled in your account, you will have 30.000 gold in your bank box.
You will also get a unique item, it cannot be dropped from monsters.
The patch 0.5a will be available at the weekend.
Cheers!
Eren