History Main / InGameBankingServices

* ''VideoGame/IdolManager'': Taking a loan from the bank is a possible option to financial trouble, provied the player has a plan that will make taking the loan out worth it. Fujimoto provides zero-interest loans in story mode, but said loans have other strings attached to them.

* ''VideoGame/OmertaCityofGangsters'': The game keeps track of what income is "clean" versus "dirty". Certain transactions, like buying real estate, require clean money; besides having a legitimate (or seemingly legitimate) source of income, the only way to get clean money is through a money launderer. This service is provided by NPC's for the player, but by setting up his own accountants, the player can also provide it to them; with a few upgraded accountants, this can actually be extremely profitable, and the player may pursue it as his primary source of income. Loans can also be taken out by the player, or issued to NPC's for profit.

* ''TabletopGame/{{Traveller}}'' allows players to take out mortgages on their starships, worth tens of millions of credits at minimum, usually splitting the price into 480 monthly payments of 1/240th of the cash price. However, this has led to a FanNickname of "Spreadsheet: The RPG", especially in a free trader campaign.

* ''VideoGame/BugFables'': The Ant Bank offers 2.5% interest on deposited berries for every 30 minutes of play time. Depositing 500 berries for the first time will upgrade you to the bank's Platinum Card membership and increase the interest to 5%. Up to 10,000 can be deposited.

* ''VideoGame/EVEOnline'' players proposed banking services though, [[{{GIFT}} as befits the universe]], ''all'' of them were frauds, [[https://forums-archive.eveonline.com/topic/142571 whether by conception or by execution]]: since players had no way to ensure the bankers would actually pay up capital and interest and the bankers themselves had no way to force debtors to pay up their loans, along with the fact the game had plenty of liquidities circulating, banking was simply unpractical for the time being.

-->--'''Millibelle the Banker''', ''VideoGame/HollowKnight''

* ''VideoGame/MightAndMagic'': The third game has a bank in the first town. It's only open during daytime hours. You can deposit gold and gems there for safekeeping but as days go along, you'll slowly accrue interest on both. Regular deposits plus careful planning can result in a load of gold and gems for your party by game's end.

A large amount of {{Simulation Game}}s (especially ConstructionAndManagementGames and {{Space Management Game}}s) usually offer the player a form of loan system. These either tend to be individual terms that are slowly paid off over time (or repaid when possible), or an amount that you can burrow in increments for an indefinite period of time until you repay but it will continuously draw interest until it is repaid.

* ''VideoGame/BugFables'': The Ant Bank offers 3% interest on deposited berries for every 30 minutes of play time. Depositing 500 berries for the first time will upgrade you to the bank's Platinum Card membership and increase the interest to 6%. Up to 10,000 can be deposited.

[[quoteright:350:https://static.tvtropes.org/pmwiki/pub/images/rsz_46_image18.png]]

[[quoteright:350:[[VideoGame/AnimalCrossingNewHorizons https://static.tvtropes.org/pmwiki/pub/images/banking.png]]]]
[[caption-width-right:350:You better let him handle your money.]]

! Examples:

* ''VideoGame/FinalFantasyXIV'' has Retainers, NPCs who the player can customize and act as a money and item bank. On top of that, you can only sell in the player market (called the Market Board) through them, and if anyone buys your items, the Gil gainied will be automatically stored through that Retainer.

* ''VideoGame/EVEOnline'' players proposed banking services though, [[{{GIFT}} as befits the universe]], ''all'' of them were frauds, [[https://forums-archive.eveonline.com/topic/142571 whether by conception or by execution]]: since players had no way to ensure the bankers would actually pay up capital and interest and the bankers themselves had no way to force debtors to pay up their loans, along with the fact the game had plenty of liquidities circulating, banking was simply unpractical for the time being.

* ''VideoGame/SundogFrozenLegacy'': Each star system has a Uniteller network, and you can send money between systems using it so that you don't have to carry cash. If you lose consciousness (due to mugging, lack of food, or lack of sleep) then any cash you're carrying will be stolen.

* ''VideoGame/BugFables'': The Ant Bank offers 3% interest[[note]]which can be increased to 6% interest the first time you deposit 500 berries[[/note]] on deposited berries for every 30 minutes of play time. Up to 10,000 can be deposited.

* ''VideoGame/BugFables'': The Ant Bank offers 3% interest on deposited berries for every 30 minutes of play time. Up to 10,000 can be deposited.

Several video games have a currency that the player can use and hold. In most games the complexity of the money system stops there.

Other games are deeper in their simulation of money: some avoid the WalletOfHolding, limiting the amount of money the character can carry on them with a {{Cap}}. In some games, the player is able to put their money in an account they can access from one or even several other places in the game. While some games have these accounts solely to store money, in other games interest is applied to these sums, allowing the player to slowly earn more money thanks to their savings. More advanced versions allow the player to invest in more risky products, allowing them to earn much money but also to lose their funds.

-->''Losing one's Geo is a terrible thing and it's so much more likely if you carry it about on yourself.''
-->''My vault is much more secure. In all my time as a banker, I've never lost a single Geo!''
-->''Maybe you'd considered opening an account?''

* ''VideoGame/TheLegendOfZeldaMajorasMask'' features a banker in West Clock Town whom Link can talk to as a means of depositing and withdrawing rupees which will remain saved even when Link uses the ocarina to reset back to day 1. Having a total of 200 rupees in the bank will reward Link with a bigger wallet.

* ''VideoGame/PokemonGoldAndSilver'' allows storing part of money earned during fights with the player's mother. Once enough money has been saved, the player's mother can give several gifts, including rare items.

* ''VideoGame/AssassinsCreed''. In ''VideoGame/AssassinsCreedSyndicate'', all proceeds from the Rooks' criminal activities are deposited into a safe on the [[{{BrotherSisterTeam}} Jacob and Evie]] Fry's train. The funds increase roughly once an hour and the player is notified once it has reached capacity, at which point no additional funds will generate until a withdrawal is made.

* ''VideoGame/GrandTheftAutoV'' has Maze Bank, a service the player can access using the in-game cell phone to deposit or withdraw cash at any time. The player can also buy and sell corporation shares, whose values fluctuatge dependng from the player's option.
* In ''VideoGame/TheWitcher3WildHunt'', the Vivaldi Bank allows Geralt to exchange Nilfgaardian Florens and Temerian Orens for [[{{GlobalCurrency}} Novigradian Crowns]]. Geralt is also able to take out a loan, but each loan must be paid in full before another can be requested.

* ''TabletopGame/EldritchHorror'': Investigators can gain extra money at the cost of a Debt that might come due at any turn. Consequences range from getting roughed up by goons to being forced to abet {{Apocalypse Cult}}ists.
* ''VideoGame/DivinityOriginalSinII'': A [[EvilOldFolks kindly old lady]] in Arx will loan out princely sums, in exchange for a [[SympatheticMagic phial of the debtor's blood]] and the promise that they ''will'' die if they don't repay the debt, plus interest, upon her request. [[spoiler:She's actually a demon in disguise.]]

[[AC:RolePlayingGame]]
* ''VideoGame/BugFables'': The Ant Bank offers 3% interest on deposited berries for every 30 minutes of play time. Up to 10,000 can be deposited.
* ''VideoGame/{{Earthbound}}'': [=ATMs=] let you store your money in a bank account, where it is safe in the case of a game over. Half your pocket money is lost at a game over. It is also where Ness's dad deposits money for your use.