Money and the bank · Neonesis Wiki

#Cash and your account

Your character has two wallets, both shown in the top right corner of the screen under the minimap, each on its own plate.

Cash is in your pocket. You pay with it at a counter, hand it to people directly and put it into the trade window.
The account is at the Bank of Night City. Its number is your character's number: character #12 has account No. 12. Faction salaries, transfers, interest on your deposit and money from selling a home or a business go into the account.

A new character gets 5,000 €$ in cash and an empty account. If your character is knocked out, they keep their money and belongings.

#The bank card

You get a card at any branch of the bank, on the “Card” tab. Without one the ATMs, transfers and payments on the phone don't work, and at a counter you can pay only in cash.

What	Price
Your first card	300 €$
A new card for a lost one	500 €$

The card has 16 digits and your character's name. You pick its design: “Graphite”, “Neon” or “Chrome”. Before it's issued you accept the bank's terms of service.
The card is paid for in cash first; whatever is missing comes from your account.
Lost your card? Block it in the “Bank” app or at a branch. While it's blocked it pays nowhere, but transfers to its number still reach your account. You unblock it the same way.
A new card gets a new number, and the old number is closed for good.

A branch serves you without a card too: you can deposit and withdraw cash, send money, open a deposit and pay bills there.

#Branches and ATMs

The city has 4 branches of the Bank of Night City and 109 ATMs. Walk up to one and press E.

Tab at a branch	What you can do	At an ATM
Account	Deposit and withdraw cash: quick amounts from 100 to 10,000, plus “All my cash” and “All of the account”	Yes, on the “Cash” tab
Card	Get a card, block or unblock it, replace a lost one	No
Transfer	Send money by a card number or a phone number	Yes
Statement	Every transaction on your account, with filters	Yes
Savings	Put money on a savings deposit or take it back	No
Payments	Pay fines and extend a hotel room	No

An ATM takes only an active Bank of Night City card. Without one it asks you to get a card at a branch, and the GPS on your phone shows the nearest branch.
An ATM takes in and pays out up to 50,000 €$ at a time, and you can withdraw at most 200,000 €$ from the ATMs in 24 hours.
You can make at most 60 cash operations (deposits and withdrawals, at branches and ATMs together) in 24 hours. After that the game says “Today's limit of cash operations is reached”.
To find the branches, see Places on the map.

#Transfers

Money goes from account to account by the recipient's card number (16 digits) or their phone number (7 digits). You can send it at a branch, at an ATM and in the “Bank” app on your phone.

Open the “Transfer” tab and pick which number to use: a card's or a phone's. In the app you can take the number from your contacts.
Enter the number, the amount and a comment such as “For the rent”, then press “Continue”.
The bank shows who gets the money, the fee, the total to be charged and what will be left on your account.
Press “Confirm the transfer” within 60 seconds, or “Change” to fix something.

The fee is 1% of the amount, at least 5 €$ and at most 1,000 €$. The sender pays it on top of the transfer.
The money arrives instantly, even if the recipient is offline. If they're in the game, they get a notification with the amount and your comment.
A transfer can't be undone. Check the number twice.
The recipient sees your name in their statement only if you're acquainted. Otherwise they see just your account number.
You can't send money between your own characters.
A new character can send money only after 120 minutes of play. Receiving works right away.

To hand someone cash directly, use the G menu or the /pay command: see Trading and giving money.

#Limits

Limit	A regular account	A new account
One transfer, at most	500,000 €$	25,000 €$
Total sent in 24 hours	1,000,000 €$	50,000 €$
Transfers in 24 hours	25	10

An account counts as new while the character has played less than 10 hours. The “Transfer” tab shows how much you've already sent in the last 24 hours.

#The statement

The statement lists every transaction on your account by day: what it was, the amount and what was left on the account after it.
Filters: “All”, “Credits”, “Debits”, “Income”, “Purchases”, “Transfers”, “Fines” and “Bank” (the bank's own: cash in and out, the card, the deposit and its interest).
At the top you see how much came in and went out over the last 30 days.
Transactions come in pages of 30; older ones load with the button at the bottom.

#The savings deposit

You open a savings deposit at a branch on the “Savings” tab or in the “Bank” app. Money moves between the account and the deposit both ways with no fee.

The deposit holds up to 500,000 €$.
For each game day you spend in the city (3 hours of play) the deposit earns 0.4% of its lowest balance that day, at most 2,000 €$. The interest goes into your account.
Money you put on the deposit starts earning from the next game day.
Interest counts only time in the game: while you're not in the city or the screen says “You're away”, the deposit doesn't grow.

#Payments

The “Payments” tab at a branch and in the “Bank” app gathers your unpaid fines and your hotel rooms.

A fine is paid in full from the account.
You can extend a hotel room by as many days as you like, but you can pay at most 30 days ahead.
Payments here come from the account only: cash doesn't count.

#The “Bank” app

It shows your card, the money on your account, your cash and your deposit, the latest transactions and the nearest branch and ATM.
With an active card the app lets you send money, read the statement, top up the deposit and take money from it, pay fines and extend a hotel room.
Without a card the app shows only your money and the statement.
Tap the card number to see it in full; you can copy it.
If you lose your card, block it right in the app.

#Which wallet pays for what

Purchase	Where the money comes from
Shops, diners, bars, barbers, taxis, mechanic repairs, a room at a hotel desk	Cash first, the rest from the card. Without an active card, cash only
Fines from the character card, a medic, a clinic, N54 ads	Cash first, the rest from the account
Cars at a dealership	Account first, the rest in cash
Houses and apartments	Account first, the rest in cash
A business	Account only
The “Payments” tab: fines and extending a room	Account only

#Where money comes in

Income	Where it goes
Faction salary	Into the account
Pay and bonuses for job orders	In cash
Rewards for the starter quests	In cash
A medic's share for treatment, an N54 editor's share	In cash
Selling a home or a business	Into the account
Deposit interest	Into the account
Transfers	Into the account

#If your account is frozen

If the bank says your account is frozen by the administration, no money leaves it: card payments, transfers, ATMs and the deposit don't work. Money still comes in, and the cash on you stays yours. If it's a mistake, file a report with F3.

#Where to check your money

In the top right corner of the screen.
In the “Bank” app on your phone.
With chat commands: /money shows your cash and account, /bank shows your account, deposit and card.
On the “Character” tab of the main window.