Banking

At the branch you can do everything: open accounts, transfer money, order cards and read your history. You just have to stand by the adviser.

At an ATM you can only withdraw and deposit — and only if you have your bank card on you. The machine reads the card, not you – with your own card you do not enter a PIN.

• Your PIN is 4 digits. Avoid 1234 and four identical digits — the bank rejects the weakest codes
• If someone else finds your card, they need your PIN. Three wrong attempts block the card
• Lost or blocked card? Get a new one from the adviser at the branch (500 kr.)
• There is a daily limit on ATM withdrawals. The limit can be upgraded at the branch

You can send money to other players from the bank menu or the phone's Wallet — you need the recipient's account number (NX-…).

• Amounts above 10,000 kr. cost a fee of 0.5 % of the amount
• Transfers below that are free
• The recipient is notified, even while offline
• You can turn transfers on and off per account under settings

Your history is kept for 30, 60 or 90 days — you choose per account.

At the start you only have your main account. Buy the Number of accounts upgrade at the bank and you can open accounts for a business, savings or regular expenses – up to five in total.

• Each account gets its own account number and can have its own card
• You can give other players access to an account at three levels: view, deposit or withdraw
• Access is granted and removed by the account owner under settings

Upgrades are bought at the branch and apply to your character:

• ATM limit — how much you may withdraw from a machine per day
• Number of accounts — how many accounts you may own

With a good credit rating you get a discount on upgrades.

Credit rating — you have a score between 300 and 850. It governs how much you can borrow, at what interest, and how big a discount you get on upgrades. Pay your instalments on time and it rises. Miss them and it falls.

Loans — taken out at the branch. Instalments are collected automatically while you are online — nothing ticks while you are logged off. Miss too many and the loan defaults, which hits your score hard.

Savings — savings accounts earn interest for every hour you are online.

Standing orders — you can set an amount to be sent automatically to another account at a fixed interval. If the payment fails too many times, it is switched off.

Bills — other players and businesses can send you an invoice. You can pay or decline it in the bank menu.

Wealth tax — if you hold over 1 million across your accounts, you pay 1 % per week of the part above 1 million. You get a warning 24 hours before the money is taken.