Why Your Economy Script Defines Everything

Every dollar earned, every ATM robbed, every business transfer processed flows through your economy script. Choose the wrong one and you get a flat, exploitable financial system where players accumulate millions with nothing meaningful to spend them on. Choose well and you get a living economy with natural money sinks, bank robberies that feel consequential, and a business ecosystem players actually invest in.

This comparison covers the four dominant FiveM banking and money systems in 2026: okokBanking, qb-banking, Renewed-Banking, and esx_banking. We break down ATM systems, robbery integration, business accounts, transfers, and the economic mechanics that separate good servers from great ones.

For context on the broader economy design principles behind these scripts, read our guide to building a balanced GTA RP economy. If you're pairing banking with job-based income, see the best FiveM job scripts for 2026.

Quick Comparison: The Four Contenders

Feature	okokBanking	qb-banking	Renewed-Banking	esx_banking
Framework	ESX/QBCore	QBCore/QBOX	QBCore/ESX	ESX
Price	~$25 (Tebex)	Free	~$15 (Tebex)	Free
Business Accounts	Yes	Yes	Yes	No
Bank Robbery API	Yes	Yes	Yes	Basic
ATM System	Advanced	Standard	Advanced	Basic
Transfers	Yes	Yes	Yes	Yes
Transaction History	Full log	Full log	Full log	None
Tax System	Yes	No	Partial	No
Money Laundering	Via addon	Via addon	Via addon	No
UI Quality	Excellent	Good	Excellent	Basic

okokBanking

The Premium Cross-Framework Solution

Framework: ESX and QBCore | Price: ~$25 (Tebex)

okokBanking from the okokokok team is the most feature-complete banking script available for FiveM. It runs natively on both ESX and QBCore, making it the safest choice if you ever plan to migrate frameworks. The UI is polished, the feature set is deep, and it's actively maintained with regular updates.

ATM System

okokBanking ships with a full ATM network. Players interact with ATMs to deposit, withdraw, and check balances — all through a custom NUI rather than the generic ESX/QB menus. ATMs can be configured per-location with withdrawal limits, and the script supports ATM robbery mechanics that hook into the broader crime ecosystem.

Bank Robbery Integration

The script exposes a clean API for bank robbery scripts to hook into. When a heist is triggered, the banking system locks down affected transactions and releases a configurable "vault" balance. Popular heist scripts like qb-bankheist integrate directly with this API. The result is a robbery that actually impacts the server economy rather than just spawning cash from nowhere.

Business Accounts

This is where okokBanking pulls ahead of free alternatives. Business accounts support multiple employees with configurable access levels — owners can grant withdrawal rights to specific employees without giving full account control. Businesses can receive payments, pay wages automatically, and track all transactions through a dedicated ledger. It's the foundation for a real player-run business ecosystem.

Tax System

okokBanking includes a configurable tax system that applies rates to income transactions. Server owners can set income tax brackets, transaction fees, and withdrawal taxes. This is one of the best natural money sinks available — it reduces inflation without requiring artificial restrictions.

Verdict

Best overall choice for servers that want depth and are willing to pay for it. The cross-framework support is particularly valuable for growing communities.

qb-banking

The Free QBCore Standard

Framework: QBCore/QBOX | Price: Free (GitHub)

The official QBCore banking script ships with the framework and is the default for the vast majority of QBCore servers. It handles all core banking functions cleanly and integrates perfectly with QBCore's job, item, and player systems. QBOX compatibility is maintained through the core team.

ATM System

Standard ATM interactions using QBCore's target system (qb-target or ox_target). Players interact with world-placed ATMs for deposits and withdrawals. No withdrawal limits by default — configurable in the shared config. ATM locations match GTA's native ATM props.

Bank Robbery Integration

qb-banking exposes server-side exports for robbery scripts to modify bank balances and trigger lockdown states. The integration requires more manual configuration than okokBanking's plug-and-play approach, but the events are well-documented and the QBCore community has extensive example scripts.

Business Accounts

Business accounts are supported through qb-management, a companion script that handles player-owned businesses. The separation keeps qb-banking focused on personal banking while business logic lives elsewhere. This modular approach works well but requires more scripts to achieve full functionality.

Transaction History

qb-banking logs all transactions with timestamps, descriptions, and amounts. Players can review their full transaction history through the banking UI. Server admins can query the database for auditing purposes.

Verdict

The default choice for QBCore servers. It's reliable, well-supported, and free. Only upgrade to paid alternatives when you need specific features qb-banking lacks — primarily the tax system and advanced business account controls.

Renewed-Banking

Modern UI With Depth

Framework: QBCore/ESX | Price: ~$15 (Tebex)

Renewed Scripters' banking solution offers a middle ground between the free options and okokBanking's full price. The standout feature is the UI — a genuinely good-looking bank interface that players notice. It supports both QBCore and ESX with minimal configuration changes between frameworks.

ATM System

Renewed-Banking ships with an enhanced ATM system that includes card skimming mechanics (players can skim ATMs as a criminal activity) and daily withdrawal limits. The limits create natural friction that slows cash extraction while adding a criminal activity layer.

Business Accounts

Business accounts support multiple signatories with role-based permissions. Unlike qb-banking's dependency on qb-management, Renewed-Banking handles business account management internally. Employees can be added and removed through an in-script UI.

Transfers and Requests

One feature unique to Renewed-Banking: payment requests. Players can send money requests to other players, who receive a notification and can accept or decline. This enables debt collection, rent payments, and service invoicing without a separate billing script.

Verdict

Best value paid option. At ~$15, the UI quality and payment request system justify the cost over free alternatives for servers focused on player experience.

esx_banking

The Legacy ESX Option

Framework: ESX | Price: Free (GitHub)

The original ESX banking script, esx_banking is functional but dated. It handles basic bank interactions — deposits, withdrawals, transfers — through ESX's standard menu system. There's no NUI, no transaction history, no business accounts, and no tax system. It works, but it's the floor of banking functionality rather than the ceiling.

When to Use esx_banking

esx_banking makes sense for:

• Legacy ESX servers that can't migrate to newer alternatives
• Test environments where banking is secondary to other systems being developed
• Servers where banking is intentionally minimal (some community types don't want deep banking)

When Not to Use esx_banking

If you're starting a new ESX server in 2026, start with okokBanking or Renewed-Banking instead. The lack of business accounts alone disqualifies esx_banking for any server aiming at serious economic roleplay.

Economic Sinks: Preventing Inflation

No banking script will save a server from hyperinflation without deliberate money sink design. The most effective sinks that integrate with banking scripts:

• Transaction taxes: okokBanking's built-in tax system is the cleanest implementation. Even a 2% transaction tax meaningfully reduces money supply over time.
• Hospital bills: EMS scripts that bill players through the banking system (not just cash) create a recurring sink tied to risk-taking.
• Business operating costs: Rent, utilities, and restocking costs paid through business accounts drain money from the system continuously.
• Bank robbery insurance: Some servers charge a monthly "insurance" fee through banking for business owners — an immersive way to collect fees.
• ATM withdrawal fees: Small percentage fees on ATM withdrawals, especially at non-native ATM locations, reduce idle withdrawal behavior.

For a deep dive into economy design, see our guide to balanced GTA RP economy systems.

Money Laundering Systems

Banking scripts are the destination for laundered money, but the laundering mechanics themselves come from dedicated scripts. The popular options that integrate with all four banking scripts above:

• qb-laundromat / esx_laundromat: Classic wash percentage systems where dirty money is cleaned at a configurable rate. Simple and effective.
• Custom car wash / business laundering: Player-owned businesses that accept dirty cash at inflated "service" prices, routing clean money to the banking system.
• Cryptocurrency systems: Some servers add a crypto layer where illegal earnings are converted to crypto (volatile value) before cashing out through the bank.

The key integration point: laundering scripts should deposit directly to the banking system's clean_money or bank balance, not to cash. This forces players to interact with the banking infrastructure and creates trackable transaction records for admin oversight.

Drug and Crime Economy Integration

Your banking script's health determines the overall drug and crime economy balance. Crime should generate significant cash, but converting that cash into spendable bank funds through laundering should cost 20-40% in fees and risk. Without this friction, crime always outpaces legitimate income and the job economy collapses.

Setup and Migration Guide

Installing a Banking Script

1. Add script to server.cfg in the correct dependency order — after your framework core but before job scripts
2. Run the included SQL file to create banking tables
3. Configure config.lua — set your bank locations, ATM positions, starting balances, and tax rates
4. Update any job scripts that reference the old banking exports to use the new ones
5. Test deposits, withdrawals, transfers, and business account creation on a dev server before going live

Migrating from esx_banking to okokBanking

The most common migration path. The main risk is the bank balance column — ensure your player data migration maps bank values correctly. A SQL migration script is usually needed to transfer balances from the old table structure to okokBanking's schema.

Find banking scripts and economy tools in our FiveM script shop. For complete FiveM scripting guidance, including how banking integrates with the full server ecosystem, see our comprehensive scripts guide. Banking works best when paired with a solid ox_lib setup for UI consistency across your server.

FAQ

Can I run two banking scripts at the same time?

No. Banking scripts conflict heavily — they both try to manage the same database columns and export the same functions. Pick one and stick with it. Running both causes duplicate transaction processing and data corruption.

Which banking script has the best bank robbery support?

okokBanking has the most mature robbery API with clean events and configurable vault balances. qb-banking works with most QBCore heist scripts through its server exports. esx_banking requires the most custom work to integrate with robbery scripts.

Do banking scripts work with FiveM's built-in money system?

FiveM has no built-in money system — that's handled entirely by your framework (ESX or QBCore). Banking scripts extend the framework's money system by adding a bank balance layer on top of the base cash system. Players can have both cash and bank balance simultaneously.

How do I prevent players from duping money through banking exploits?

All four scripts listed use server-side balance validation — deposits and withdrawals are processed server-side before the client UI updates. This prevents most duplication. Additional protection: enable transaction logging and set up admin alerts for unusually large transactions (e.g., any transfer over $500,000 triggers a log entry).