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. Every member of the job can see the account; only the boss can move money in or out of it
• 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 or forgotten cards can be replaced with a new card and a new PIN

Debit Cards

• Players order cards per account from the banking screen
• PIN-protected, with secure PIN storage and PIN changes
• Players can freeze, unfreeze, cancel, and replace their own cards
• Card limits per account, with permission checks on shared accounts

Transfers And Payments

• Every amount is whole dollars, at least $1. An amount with cents, or under $1, is refused with a message saying so, before any money moves
• Deposits and withdrawals at banks and ATMs
• Daily withdrawal and transfer limits set by the player's account tier
• Instant transfers between a player's own accounts
• Transfers to other players, including offline players, with an optional note of up to 60 characters
• Optional delays on transfers to other players, with a paid "expedited" option to send instantly (Config.TransferDelays)
• Pending transfers can be cancelled before they complete
• A transfer that cannot be delivered is refunded. If the refund itself fails, the player is told the money did not come back, and every admin online is alerted (see Failed Refunds)
• Recurring payments (rent, subscriptions, allowances) that process automatically. They follow the same rules as a transfer to another player: the recipient must exist, a frozen account or the daily transfer limit stops a payment, and setting one up at or above the security PIN threshold asks for the PIN. A payment that cannot go through moves no money, and the payer is told why if they are online
• Wire transfers with a fee are available to other scripts through the ProcessWireTransfer export. The banking screen has no wire transfer option

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 the balance and credit requirements (Business also needs the player to be a job boss). Downgrades are always allowed
• Savings accounts that earn extra interest (Premium and Business tiers)
• A notice period on savings: money withdrawn soon after it was paid in is charged a fee, money that has been sitting there is not. The screen shows how much is free to withdraw and what a withdrawal costs before it is confirmed
• Savings goals players can contribute toward
• An overdraft on Premium and Business: players can withdraw past their balance up to their tier's limit. What they owe is shown on the banking screen and paid back automatically from the next money that reaches their bank
• Fees the bank charges: the monthly tier fee, tier change fees, an overdraft fee, and the expedited transfer fee
• Fee waivers for higher tiers and high-balance customers, on the wire transfer fee and the fees other scripts charge through the fee exports

See Account Tiers and Savings notice period for the settings.

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
• Instalments taken automatically on each due date, even when the borrower is offline
• Early payoff that refunds the interest for instalments that never ran, late fees, and a collections system
• A limit on how much one player can owe across all their loans
• Credit scores (300–850 by default) 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)

See Loans and Credit Score for how repayment and scoring work.

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 move every holder of a fund together
• Fixed terms: a position stops moving once it matures and waits for the player to cash it out
• Early cash-out is allowed, with a penalty taken from the earnings rather than the stake
• Limits on how many positions a player can hold in one product and overall
• Investing requires a Premium or Business account
• Dividend payouts on eligible products
• Certificates of deposit (CDs) with fixed terms and early-withdrawal penalties

The Services Screen

Loans, bills, savings, investments, cards, and credit each have their own tab, with a list on the left and the details of the selected item on the right:

• Overview — what the player owns and owes, a "needs attention" list (overdue bills, late loan payments, matured investments, frozen cards) with a button to act on each, and everything due in the next two weeks
• Loans — payment progress, the next due date, payment history, and a payment screen that offers the next instalment, a full payoff (showing the interest saved), or any other amount. Applying walks through choosing a loan, picking the amount and term with a live payment schedule, and a final eligibility check
• Bills — invoices grouped by overdue, due this week, and later, with the late fee and the automatic collection date explained on each, plus a one-click "pay all overdue"
• Savings — how much of each account is free to withdraw and when the rest becomes free, and savings goals with a target date and the weekly amount needed to reach it
• Invest — portfolio value, the market's recent mood, how the money is spread across products, and what each position or certificate will pay at maturity or cost to exit early
• Cards — every card shown as a card, with freeze, PIN change, and replacement
• Credit — the score, what each of the five factors contributes, tips for the weakest factors, and how the score has moved over time

Tablet App

When oxide-tablet is running, the bank also appears as a tablet app (turn this off with Config.Tablet.UseTablet):

• The app badge counts bills and loan payments that are overdue or due within two days
• New bills, overdue bills, bills collected automatically, loans approved after their processing wait, missed loan payments, loans sent to collections, and matured investments show up in the tablet's notification tray. Tapping one opens the bank on that item
• An Upcoming payments home-screen widget lists what is due in the next week
• Deposits and withdrawals are hidden in the tablet app, because the tablet works anywhere. Allow them with Config.Tablet.AllowCashActions

Bank locations and ATMs still open the bank's own window.

Phone App

When oxide-phone is running, the bank also appears as a phone app (turn this off with Config.Phone.UsePhone). It follows the phone's light or dark look and its accent colour.

• Home — your total balance, every account as a card you swipe through, quick actions (Send, Request, Transfer, Bills), bills waiting to be paid, transfers on their way, and your latest activity. Tap the total to hide every balance
• Activity — everything in and out, grouped by day, with search and filters for account, money in or out, and dates. Tap a payment to see its category, account, time, reference and description, and to send money to that person again
• Payments — send money to a payment ID or someone you paid before, request money (the other player gets it as a bill), move money between your own accounts (savings included, with the early-withdrawal fee shown first), and pay bills. Scheduled transfers can be cancelled for a refund
• Insights — spending by category for each of the last six months, and money in against money out. Categories are worked out from each payment's description; moves between your own accounts are left out
• More — your payment ID, all accounts with the members of shared accounts (owners can add and remove members), cards (freeze, unfreeze, change PIN), loans (pay the next instalment), and privacy settings
• Widget — a balance widget for the phone's home screen. Players can hide the amount from the app's More screen
• Notifications — money received, scheduled transfers delivered, and the same bill, loan and investment notices as the tablet. Opening the screen a notification is about clears it. The badge is the same as the tablet's

Payments use the bank's usual limits, transfer delays and security PIN. Deposits and withdrawals are not available on the phone.

Security

• An optional 6-digit security PIN with single-use backup codes, which players turn on in their bank settings. Once it is on, withdrawals and transfers of Config.Security.TwoFactorThreshold or more ask for it
• Too many wrong ATM PINs lock the player out of PIN entry for a few minutes
• Fraud checks on withdrawals, deposits and transfers: large amounts and bursts of transactions alert online admins
• Transaction alerts players can tune to their liking (the settings reset when the resource restarts)
• Players can freeze their own account if they think it's compromised. A frozen account cannot open the bank, so an admin lifts the freeze with /unfreezeaccount
• A security log players can review, plus an audit log stored in the database (bank_audit_log)
• A security alert when a player logs in from a different device

Business Features

The Business screen appears for players who are the boss of their job. There they can:

• Send invoices, on their own behalf or from the business account, and cancel invoices they sent
• Record business expenses by category. The amount moves from the business account to the boss who records it, as a reimbursement
• View income statements, balance reports, and cash flow reports

Invoices work like this for everyone:

• Anyone who receives an invoice pays it from the Bills tab of the Services screen
• Late fees grow for every day an invoice goes unpaid, shown on the invoice so nobody is surprised at the till
• Unpaid invoices damage the debtor's credit score and are collected from their account automatically after a grace period — or not at all, if you turn collection off

See Business for invoice limits, late fees, and collection settings.

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 for every calendar day
• A midnight the server was off for, such as during a nightly restart, is counted when the server starts again
• Daily tasks (savings interest, loan collection, invoice late fees, market updates) run from 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 Commands

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 Exports & Integration for the full API.