# PC Banking — The Last Banking Script You'll Ever Need
The most complete, production-grade banking system on FiveM. Three real banks, shared & business accounts, a loan engine with collateral and credit scores, standing orders, society payroll, law-enforcement freezing, 2FA, and a companion phone app — all in one drop-in resource.
**Drop-in replacement.** Already running qb-banking, qb-management, Renewed-Banking, esx_addonaccount, okokBanking, qs-banking, tgg-banking, rx-banking, omes_banking or fd_banking? PC Banking shims their exports automatically — no patching dependent scripts.
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## Why server owners switch to PC Banking
Three real banks, not skins. Fleeca (free, low limits), Maze Bank (mid-tier corporate), Pacific Standard (premium). Each has its own checking, savings, shared and business types — different fees, interest, ATM rates, transaction caps, opening deposits. Banking actually means something on your server.
Three account classes. Personal, Shared (multi-user with view/deposit/full/admin permissions), Business (society-linked with role-based payroll). Players pick a class on registration; can open additional accounts later.
Built for roleplay economies. Standing orders, EMI pre-warnings, late-payment credit scars with decay, monthly maintenance fees, annual card fees, credit-card billing cycles, defaulted loan write-offs with collateral forfeit — every economic lever is in `config.lua`.
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## Feature breakdown
### 🏦 Multi-bank account system
- Three independent banks, each with their own checking + savings tiers
- Shared accounts with member management, OTP-confirmed invites, per-member permissions
- Business accounts linked to society/job for role-based payroll
- Per-account-type config: limits, fees, interest, opening deposits, max balance, daily transaction caps
- Cross-bank transfers with global daily caps + cooldowns
- Customizable bank brand logo
### 💳 Cards
- Debit + credit cards with separate billing cycles
- Per-card daily / weekly / monthly limits
- PIN protection, change PIN, reset PIN, lock/unlock, freeze
- Annual fee charged automatically
- Credit cards: minimum payment auto-debit, freeze after N misses, write-off after N misses, billing-cycle interest on unpaid balance
- Card-use overlay (configurable position + duration)
- Replacement fee config
### 📈 Loans
- Loan engine with collateral hold, EMI lifecycle, payment tracking
- Credit score system with late-payment scars that decay over configurable time
- Pre-default warnings, default reminders, permanent write-off + collateral forfeit
- Auto-pay overdue EMIs from primary account
- Vendor loan exports for vehicle dealerships (bank as financier)
- Defaulted loan recovery flow
### 💰 Savings
- Per-bank savings tiers (basic / growth / vault / elite)
- Configurable interest rate, accrual interval, minimum balance
- Deposit/withdraw between cash, checking, and savings
- Interest credited on game-month cadence (default 7 real days)
### 🔁 Standing orders / auto-pay
- Recurring transfers to any account, player, or society role
- Daily / weekly / biweekly / monthly / custom intervals
- Society role-based payroll (pay everyone with grade X)
- Three-tier pre-payment reminders (notify before EMI hits)
- Auto-pause after N consecutive failures
- End-date scheduling, manual pause/resume/cancel
### 🏢 Society / business payroll
- Society balance ledger separate from player accounts
- Role-based grade system (admin/member by default, fully extendable)
- Payroll by role, one-shot or recurring
- Member add / remove / role change with admin gate
- ESX `society_<job>` and QBCore society naming both supported
### 👮 Law enforcement & admin tools
- Account freezing by allowed jobs + minimum grade — frozen accounts block deposits, withdrawals, transfers, card use
- Transaction revert (within configurable window, paired-counterparty txns only)
- Player account search for LEA investigation
- Server-ACE-gated society oversight (balance edit, admin payroll, member management) for staff
- Discord webhooks for transactions, security events, admin actions
- Configurable webhook threshold — only big movements ping
### 🔐 Security
- Banking password / login (configurable session length, "remember me")
- 2FA on transfers above threshold, society moves, password change, card management
- Configurable OTP expiry, max attempts, cooldown
- All OTPs delivered via SMS through phone integration
### 📱 Companion phone app (`pc-banking-phone`)
A separate app that runs inside any supported phone — full banking on the move.
Supports: lb-phone, yseries, gksphone, qs-smartphone,, 17mov_Phone (auto-detected at runtime — single artifact across all hosts)
- Live push from main banking → phone (requests, bills, transactions)
- Standing orders, transfers, cards, due bills, requests, transactions, notifications
- Multi-profile 2FA gate, session-aware push routing
- Light theme system, locale-aware formatting
- Nearby-transfer accept gate (5-min window, no escrow)
### 🔌 Framework & integration support
- Frameworks : QBCore, Qbox, ESX (auto-detect)
- Inventories : ox_inventory, qb-inventory, qs-inventory, codem-inventory, tgiann-inventory, ak47_inventory, origen_inventory, realrp_inventory, l2s-inventory, esx_inventory
- Notifications : ox_lib, okokNotify, ps-ui, lation_ui, nox_notify
- Phones : lb-phone, yseries, gksphone, qs-smartphone, qb-phone, npwd, 17mov_Phone
### 🔄 Backwards compatibility (drop-in replacement)
Replaces these resources with zero patches to dependent scripts:
- qb-banking, qb-management, Renewed-Banking, esx_addonaccount, esx_society, okokBanking / okokBankingV2, qs-banking, tgg-banking, rx-banking, omes_banking, fd_banking
Each shim is gated (`auto` / `true` / `false`) — runs only when the real resource is absent.
Data migration tool built in: imports existing tgg-banking data (accounts, members, cards, transactions, loans) into PC Banking on first run.
### 🌍 Localization
Ten languages out of the box: English, Spanish, French, German, Italian, Portuguese, Swedish, Chinese, Japanese, Arabic.
### ⚙️ Configurable everything
- Global daily limits (deposits, withdrawals, transfers)
- Per-account fees: opening, monthly maintenance, transfer, ATM, card replacement, statement export
- Scheduled task intervals (loans, savings, cards, standing orders, billing) — every economic timer in one block
- Card freeze / write-off thresholds
- Account freezing job whitelist + minimum grade
- Late-payment scar decay window
- Loan default reminder cadence
- Credit-card billing interval
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## Technical highlights
- oxmysql + ox_lib
- QBCore / Qbox / ESX bridge (auto-detect, zero hard deps)
- Server-side validation on every mutation — no client-trusted balances
- Atomic transaction logging with paired counterparty refs
- Session-aware authentication (multi-character safe)
- Comprehensive Discord webhook coverage
- Modular: each feature in its own server file
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## What's in the box
- `pc-banking` — the main resource
- `pc-banking-phone` — companion phone app (optional)
- `pc-banking-props` — banking props (optional)
- Full SQL schema (`run.sql`) — fresh-install ready
- Migration script for existing data
- Ten localization files
- Configurable everything
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## 🧪 Try before you buy
Test server available — full feature access, no purchase required. Hop in, kick the tires, freeze an account, take out a loan, run payroll.
**Test server:** https://cfx.re/join/3mvpjr
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## 📦 Migration from existing scripts
Already on another banking script? PC Banking ships with a built-in migrator (server/migrate.lua) covering **9 sources**:
qb-banking — accounts, society balances, transactions
esx_addonaccount — shared accounts → societies, balances
Renewed-Banking — accounts, members, transactions ledger
okokBanking / okokBankingV2 — accounts, transaction history
ps-banking — accounts, transactions, cards
omes_banking — player accounts, society money
qs-banking — accounts, members, cards, transactions
tgg-banking — full table walk: accounts, members (permission JSON → ENUM map), cards (expiry MM/YY conversion + daily/weekly/monthly limit fallback chain), transactions (IBAN-paired transfer_in/transfer_out disambiguation), loans (interest rate fractional→percent + payment frequency weekly/daily→monthly normalization). Skips closed accounts + terminated cards.
fd_banking — accounts, society balances, invoice history
Runs once on first start, idempotent. Original tables left untouched as backup.
No data loss. No manual SQL. Switch in one server restart.
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## Support
- Active development with regular updates
- Documented config — every flag commented inline
- Drop-in compat means most servers can install in under 10 minutes
- Discord support for buyers
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**This isn't another bank with a fresh skin. It's a full economic system: roleplay-grade loans, real banks with real differences, society payroll, law-enforcement controls, and a phone app — all in one resource that drops in over whatever you're running today.**
