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Cookie Run: Kingdom Financier Cookie Guide: How to unlock, Best Toppings, and more

Tips to use the Financier Cookie efficiently in the game!

Financier Cookie is a Defense Cookie that was first introduced with the launch of Cookie Run: Kingdom during the Heroes of the Light update in Version 3.3 and has been playable ever since. In Version 4.16, she finally received a Magic Candy which has greatly improved her kit and playability. She’s a character that was frequently mentioned in the Cookie Odyssey storyline, and now players can obtain her and fight battles with her. This guide will be helping you on how to build Financier Cookie, how to obtain her, and the ways to level her up. 

Financier Cookie is an Epic Cookie and hence can be obtained through the Gacha. There are many ways to obtain Financier Cookie’s Soulstones such as,

  • Mileage Shop: Available in the Gacha section and bought through Mileage Points from pulling Cookies.
  • Kingdom Arena Medal Shop: Available exclusively through the Kingdom Arena. Players have to participate in PvP battles and ultimately win to obtain the Medals of Victory currency to exchange with the Soulstones. In every Shop reset which lasts for 3 days, there are 2 Epic Cookie Soulstones purchases in stock where each purchase will give you 2 Soulstones. A total of 4 Soulstones can be collected in total.
Cookie Run: Kingdom Financier Cookie
Image via Devsisters
  • Guild Medal Shop: Available exclusively through joining a Guild. Players have to participate in Guild Battles to obtain the Heroic Medal currency to exchange them with the Soulstones. Just like the Kingdom Arena, players can get 2 Soulstones for each purchase, where there are 2 purchases in stock. This means a total of 4 Soulstones can be obtained in every Shop Reset lasting 3 days.
  • Rainbow Shell Gallery: Located inside Touc’s Trade Harbor after you upgrade it. The soulstones can only be exchanged with the Rainbow Pearls currency which can be obtained by shipping various goods through the Ship Harbor. You can obtain 5 Soulstone Cookies. The Shop resets every 2 Days so players have to keep a lookout on which Soulstone Cookies comes out every rotation.
  • World Exploration: Complete World Exploration Dark Mode Stages 15-17 and also Master Mode Stage 5-14, to obtain her Soulstones. You can only farm each stage 3 times every reset day. 

Character Introduction

I will only kneel before the Divines!” Financier Cookie has the qualities of an exemplary Paladin: she is most humble and sincere when offering a prayer yet radiates confidence and power when wielding her sword. No other cadet of the Paladin Academy could parallel Financier Cookie’s outstanding abilities—perhaps, she was meant to be chosen for the honorable position of the Republic Consul’s bodyguard.

Cookie Run: Kingdom Financier Cookie
Image via Devsisters

A true Paladin does not flinch at an order: the greatest deeds perpetuating the order’s glory are done by those who are not afraid of challenges, and Financier Cookie marches towards her goal with scrupulous and cold determination. But appearances can be deceiving: seek the Republic’s most unfortunate, and they will tell you the Paladin’s heart is full of kindness and compassion.

Costume Sets

Cookie Run Kingdom Financier Cookie
Image via Devsisters

Brilliance of Justice: Even within clusters of stars some shine particularly bright, like Financier Cookie with her star scale, measuring out justice! The sight of this Cookie judging with her eyes covered is so divine that you do nothing but revere her.

Play-style and Skillset

  • Rarity: Epic Cookie
  • Type: Defense Cookie
  • Position: Front

Paladin Protection
Like a true Paladin of unfaltering belief, Financier Cookie protects an ally Cookie from the start of the battle until the moment she hits the ground. Financier Cookie’s top priority is Clotted Cream Cookie, but if he is not present, she’ll protect the allied Cookie with the highest ATK. Upon using her skill, Financier Cookie’s regular attack will deal area damage, she will also heal herself, and the Cookie she is protecting, increase their ATK, DMG, and CRIT Resist, and grant them the Light’s Shield. She will then deal area damage against her enemies. The Light’s Shield will act as a Shield and deliver the Light’s Judgment to those who dare to damage it when it disappears. While Financier Cookie is using her skill, she will briefly become resistant to interrupting effects. (Cooldown: 15 seconds)Financier Cookie is like the guardian angel of her team, especially keeping a watchful eye on Clotted Cream Cookie or whoever is the strongest ally. When she uses her special move, her regular attacks hit more enemies at once, and she takes a moment to heal herself. The ally she’s protecting gets a boost in attack power, overall damage, and becomes better at resisting critical hits. Plus, Financier Cookie gives them a Light’s Shield, which not only acts as a protective barrier but also turns into a counterattack, punishing any enemies who dare to damage it. While she’s doing all of this, she becomes briefly resistant to being interrupted, ensuring her protective magic goes off without a hitch. In a nutshell, she’s a loyal defender, spreading protection and empowerment to her team.

Magic Candy

Financier Cookie Magic Candy
Image via Devsisters

Financier Cookie receives a Magic Candy during the Dawn of the Dragon update back in Version 4.16. To briefly summarize the purpose of Magic Candy, they are an equipable item solely created to use for the intended Cookie to exponentially buff the playable Cookie and their kit. The Magic Candy is only given to certain Cookies that have long been power-crept due to the ever-changing META of the game to make them more viable to use in especially PvP-focused battles.  


Paladin’s Devotion
The devoted Paladin protects one of the Cookies of the team, increasing their DMG Resist, CRIT Resist, and providing Debuff Immunity. Financier Cookie will also Heal the entire team’s HP equal to a portion of her DEF and increase DMG Resist. (Cooldown: 15 seconds).Financier Cookie picks one Cookie and boosts its resistance to damage and critical hits, also making it immune to negative effects. Additionally, she heals the whole team based on a portion of her defensive strength and enhances their resistance to damage. She’s not only guarding a specific teammate but also looking out for the entire squad.
LevelLevel Up EXP (Star Jellies Lvl.1)Skill Level Up (Skill Powder)
1-101510 EXP25x Common, 4500x Gold
11-2010,040 EXP75x Common, 14500x Gold
21-3056,790 EXP30x Refined, 47000x Gold
31-40314,510 EXP80x Refined, 107000x Gold
41-501,401,060 EXP110x Pristine, 212000x Gold
51-60332,160 EXP250x Pristine, 410000x Gold
61-65342,124 EXP150x Pristine, 280000x Gold
66-70362,054 EXP150x Pristine, 330000x Gold
71-75383,777 EXP175x Pristine, 380000x Gold
StarsMaterials Needed
1 Star20x Soulstones, 500x Gold
2 Stars30x Soulstones, 5000x Gold
3 Stars50x Soulstones, 10000x Gold
4 Stars70x Soulstones, 50000x Gold
5 Stars100x Soulstones, 100000x Gold
Ascension Star: 1360x Common Soul Essence, 20x Soulcores, 100000x Gold
Ascension Star: 2320x Rare Soul Essence, 30x Soulcores, 200000x Gold
Ascension Star: 3120x Epic Soul Essence, 40x Soulcores, 300000x Gold
Ascension Star: 4180x Epic Soul Essence, 50x Soulcores, 500000x Gold
Ascension Star: 530x Legendary Soul Essence, 60x Soulcores, 700000x Gold

Financier Cookie has an assortment of Toppings to choose from depending on what you prefer in her build. Using a full Swift Chocolate Topping set on Financier Cookie lets her use his skills as often as possible. There’s no specific cooldown requirement for Financier, but we recommend getting at least 16% cooldown.

So she can protect your chosen cookie right before the second set of enemy skills starts. Additionally, you’ll need at least 20% DMG Resist on her. The higher you can go, the better. A lot of players opt for Swift Chocolate sets instead of Whole Almond sets. This is because her extra DMG Resist on her skill makes her tanky enough.

For a more defensive build, you can go for Solid Almond Toppings Note that a full Whole Almonds set provides 20.5% DMG Resist, and an additional 5% from the “set effect” bonus, totaling up to 25.5%. Since the maximum DMG Resist, you can get from toppings substats is 6%, in theory, you can have 50.5% DMG Resist on her. However, most experienced players “settle” for around 45% to 49%.

Cookie Run: Kingdom Swift Chocolate
Swift Chocolate
Eat before it melts! This chocolate can decrease the Cookie’s Cooldown.

  Equip 5: -5% Cooldown
Sub-stat Priority: ATK = DMG Resist > ATK SPD > CRIT > Amplify Buff > Cooldown
Cookie Run Kingdom Milky Way Cookie Solid Almond (Moonkissed)
Solid Almond
A solid almond like this one can increase the Cookie’s DMG Resist. 

Equip 5: +5% DMG Resist
Sub-stat Priority: ATK = DMG Resist > ATK SPD > CRIT > Amplify Buff > Cooldown

Final Thoughts

Financier works more as a support cookie than a tank. However, she’s still a strong cookie with beefy stats. When she activates her skill, she buffs she buffs the cookie with the highest ATK stat. Her buffs include extra healing, DMG Resist, and CRIT Resist. This makes her exceptionally useful in the arena, where a lot of cookies can do CRIT DMG on your cookies and wipe them out immediately. With the addition of her Magic Candy, Financier Cookie secured a solid S+ tier in the PvP META list.

What is your opinion on the Cookie Run: Kingdom Financier Cookie guide? Let us know in the comments below.

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