Features Overview

What oxide-banking adds to your server.

Core Banking

• Every player gets a checking account tied to their framework bank balance
• Shared accounts players can open and invite other players to
• Job (business) accounts created automatically for every job your framework defines
• On ESX, society accounts stay in sync through esx_addonaccount — automatic, no setup
• Full statement history on every account

Banks And ATMs

• Bank branches around the map (locations set in Config.BankLocations)
• Every standard ATM prop works (models set in Config.ATMModels)
• Interaction through the targeting eye, or walk-up key prompts if you prefer (Config.UseTarget)
• ATMs require a debit card: players pick a card, enter their PIN, then get ATM access
• Lost cards can be replaced; wrong PINs lock the account after too many tries

Debit Cards

• Players order cards per account at any bank branch
• PIN-protected, with secure PIN storage and PIN changes
• Daily spending limits tracked per card
• Players can freeze, unfreeze, cancel, and replace their own cards
• Card limits per account, with permission checks on shared accounts

Transfers And Payments

• Deposits and withdrawals at banks and ATMs
• Instant transfers between a player's own accounts
• Transfers to other players, including offline players
• Wire transfers with a processing fee
• Optional realistic delays on external and wire transfers, with a paid "expedited" option
• Pending transfers can be cancelled before they complete
• Recurring payments (rent, subscriptions, allowances) that process automatically
• Fee previews so players see costs before confirming

Tiers, Savings, And Fees

• Three account tiers: Basic, Premium, and Business — each with its own perks, limits, and monthly fee
• Players upgrade when they meet balance and credit requirements; downgrades are always allowed
• Savings accounts that earn extra interest
• Savings goals players can contribute toward
• Configurable fees: maintenance, overdraft, insufficient funds, ATM, and service fees
• Fee waivers for higher tiers and high-balance customers

Loans And Credit

• Personal, business, and emergency loan products
• Interest rates that improve with better credit scores
• Small loans approve automatically; large loans wait for admin approval
• Payment schedules, early payoff, late fees, and a collections system
• Credit scores (300–850) that respond to payments, debt, and account age
• Players can view a full credit breakdown with improvement suggestions
• Vehicle financing hooks for dealership scripts (see Vehicle Financing Integration)

Investments

• Four investment products: savings bonds, a stock index fund, a crypto fund, and a real estate trust
• A simulated market with trends, booms, and crashes that affect returns
• Dividend payouts on eligible products
• Certificates of deposit (CDs) with fixed terms and early-withdrawal penalties

Security

• Two-factor security codes required for large transactions, with backup codes
• Automatic fraud detection that flags suspicious activity and alerts online admins
• Transaction alerts players can tune to their liking
• Players can freeze their own account if they think it's compromised
• Security log players can review, plus full audit logging for admins

Business Features

For players with Business-tier accounts and job bosses:

• Send, pay, and cancel invoices, with automatic late fees on overdue ones
• Record business expenses by category
• Income statements, balance reports, and cash flow reports

The Banking Schedule

Interest, loan payments, recurring payments, invoices, and market updates run on a built-in schedule:

• The schedule follows your server's real clock — one "banking day" passes at midnight server time
• Daily tasks (interest, fees, market updates) run at the hour you set in Config.TimeSettings
• Progress is saved in the database, so restarts don't lose track of the schedule
• Admins can trigger any scheduled task manually — see Admin

Framework Support

oxide-banking works on QBCore, QBX, and ESX with no framework-specific setup. It detects your framework automatically.

Works with older qb-banking scripts

Scripts built for qb-banking keep working without changes:

• oxide-banking answers to the qb-banking resource name
• The old qb-banking exports still exist
• The old qb-banking:server:* callback names still exist

New integrations should use exports['oxide-banking'] regardless of framework. See API Reference for the full API.