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OXIDE BANKING | Advanced Banking System

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Framework
Framework Agnostic
Last UpdatedSep 3, 2026
Oxide StudiosOxide Banking
Financial Infrastructure

A real bank for your city.
Not a number on the HUD.

Checking, shared, and job accounts with full statements, debit cards that gate every ATM, transfers, savings, loans, credit scores, investments, and business reporting. It replaces qb-banking, answers to its name, and runs the same on QBCore, QBX, and ESX through o-link.

  • QBCore · QBX · ESX
  • Drop-in qb-banking replacement
  • Debit cards gate every ATM
Free
Read the docs →

3

Account tiers

4

Investment products

300–850

Credit score range

8

Bank branches preconfigured

[ 01 ]

Every account, one ledger.

Every player gets a checking account tied to their framework balance. Shared accounts, job accounts, and full statement history come with it, and three tiers set the limits, perks, and monthly fee for each customer.

  • Checking tied to the framework balance, plus shared accounts players open and invite others into
  • Job accounts are created automatically for every job your framework defines
  • On ESX, society accounts stay in sync through esx_addonaccount with no setup
  • Three tiers, Basic, Premium, and Business, each with its own limits, perks, and monthly fee
[ 02 ]

Money moves the way your city needs.

Internal transfers land instantly. Transfers to other players, wire transfers, and recurring payments run through the same screen, with fee previews before anything confirms.

  • Instant transfers between a player's own accounts, and transfers to other players, even offline
  • Wire transfers carry a processing fee; external and wire transfers can take real hours unless expedited
  • Pending transfers can be cancelled before they complete
  • Recurring payments for rent, subscriptions, and allowances process on the banking schedule
[ 03 ]

Savings that pay, and cost.

Savings accounts earn extra interest and charge a penalty on early withdrawals. Goals give players something to save toward, and certificates of deposit lock money up for a fixed term.

  • Savings accounts earn extra interest, paid out on the built-in banking schedule
  • Early withdrawals from savings take a configurable penalty
  • Savings goals players contribute toward, with progress tracking and a notice on completion
  • Certificates of deposit with fixed terms and early-withdrawal penalties
[ 04 ]

Credit that follows the player.

Personal, business, and emergency loans ship in config, priced off each player's credit score. Small loans approve on the spot, large ones wait for an admin, and payments, late fees, and payoffs all move a 300 to 850 score.

  • Personal, business, and emergency loan products ship in config/loans.lua with amount ranges and terms
  • Better credit scores earn lower rates; small loans approve automatically, large ones wait for admin approval
  • Credit scores run 300–850 and respond to payments, debt, and account age
  • Payment schedules, early payoff, late fees, and a collections system
[ 05 ]

A market that moves.

Four investment products sit on a simulated market with trends, booms, and crashes. Values update on the banking schedule, eligible products pay dividends, and admins can force a market update at any time.

  • Savings bonds, a stock index fund, a crypto fund, and a real estate trust
  • A simulated market with trends, booms, and crashes drives returns and updates on the banking schedule
  • Dividend payouts on eligible products
  • Early withdrawals take a penalty that shrinks as the investment nears maturity
[ 06 ]

Cards gate the ATMs.

Players order a debit card per account at any branch. Every standard ATM prop asks for that card and its PIN before it opens, and cards can be frozen, replaced, or cancelled from the app when something goes wrong.

  • Players order a card per account at any branch, PIN-protected with daily spending limits
  • Every standard ATM prop works, and every one asks for a card and PIN before it opens
  • Freeze, unfreeze, cancel, and replace cards; wrong PINs lock the account after too many tries
  • Two-factor codes with backup codes on large transactions, plus fraud detection that alerts online admins
[ 07 ]

In the
field.

More of Oxide Banking as players see it. Click any capture to enlarge.

  • Security: 2FA, backup codes, alerts

  • Business: expenses, invoices, reports

  • ATM: quick withdraw

  • Branches and ATMs around the map

[ 08 ]

What's in
the box.

One resource. One install.

Everything below ships together, with full documentation for setup, configuration, and admin tooling.

Included
  • Checking, shared, and job accounts with statements
  • Three account tiers with fees and waivers
  • Debit cards with PINs and daily limits
  • Card-gated ATMs on every standard ATM prop
  • Internal, external, and wire transfers
  • Recurring payments and pending-transfer delays
  • Savings accounts, goals, and CDs
  • Personal, business, and emergency loans
  • Credit scores with a full breakdown
  • Four investment products and a simulated market
  • 2FA, fraud detection, and transaction alerts
  • Business invoices, expenses, and reports
  • qb-banking compatibility layer
Runs on
QBCoreQBXESX
Requires
  • o-link
  • ox_lib
  • oxmysql
Documentation
Pairs with

Oxide Dealerships

Finance rates driven by credit score, with invoices for missed payments.

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Oxide Police

Department treasury accounts and fine invoicing.

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Oxide EMS

Department treasuries and patient invoices for revives and treatment.

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Oxide Gangs

Gang treasuries held as real bank accounts.

View →
[ 09 ]

Give your economy a real bank.

Oxide Banking is a free download. Drop it in place of qb-banking or esx_banking and your server gets accounts, cards, ATMs, transfers, savings, loans, credit, investments, and business reporting on QBCore, QBX, and ESX.

  • Delivered through Tebex
  • Documentation included
  • Discord support
Free
Oxide Studios

Oxide Banking

Financial Infrastructure

Accounts. Cards. Loans. Markets. Free download.

Oxide Studios