Banking and gold
From UO:PvE Wiki
Use bank speech and understand the account-gold ledger used by the current expansion defaults.
Development source reviewed on 29 October 2026. In-game availability is unverified.
Bank access#
Near a banker, say bank to open the bank box, balance to check funds, or withdraw followed by an amount to request coins. Banker speech is handled within 12 tiles. Criminal characters are refused these services.
The current ML-or-later branch permits a single spoken withdrawal up to 60,000 gold, subject to balance and backpack capacity. The current bank-access feature is enabled.
Account gold#
The current expansion enables account gold by default, with no matching override found. Depositing gold or checks into a bank converts them to account currency by default. The ledger’s conversion unit is 1,000,000,000 gold per platinum.
Banker-funded services draw through the banking API. Physical bank coins or checks can also be considered by its fallback path. The spoken check command is disabled while account gold is enabled.
A service that explicitly asks for gold or tickets in your backpack may not use bank funds. Read its own purchase requirements.
Source notes
Show 6 references
These references identify the reviewed shard files. Source presence does not establish live availability.
Projects/UOContent/Mobiles/Townfolk/Banker.cs:31
Balance sourcesProjects/UOContent/Mobiles/Townfolk/Banker.cs:158
Withdraw fallbackProjects/UOContent/Mobiles/Townfolk/Banker.cs:450
Speech and criminal rulesProjects/UOContent/Mobiles/Townfolk/Banker.cs:549
Check command branchProjects/Server/IAccount.cs:5
Account-gold defaults and currency thresholdDistribution/Configuration/FeatureFlags/flags.json:1
bank_access enabled
Category: Progression & rewards