Bank & cash
EXO has two wallets, and the difference between them decides everything.
Cash
Everything you carry. You pay for purchases, base upkeep and healing with it.
On death all your cash drops into your corpse. The balance resets to zero and anyone who reaches the body can take it.
The carry limit is 10,000,000 $.
Bank
An untouchable vault. Death does not affect it: whatever you deposited stays there.
The bank terminal stands in the trade zone next to the traders and works from 3 metres. Buttons: deposit, withdraw, deposit all, withdraw all.
A new player starts with 100,000 $ in the account and zero cash — withdrawing it is your first task.
Bank limit
The bank does not hold everything. The cap is raised by a perk bought with reputation:
| Perk level | Bank limit | Upgrade cost |
|---|---|---|
| 0 (start) | 250,000 $ | — |
| 1 | 500,000 $ | 50,000 reputation |
| 2 | 750,000 $ | 100,000 reputation |
| 3 | 1,000,000 $ | 150,000 reputation |
If your balance already exceeds the current cap, deposits are blocked but withdrawals always work.
Money in a safe
A safe on your base stores cash — up to 10,000,000 $ — and it survives server restarts.
But remember: anyone can take money out of an open safe. A safe without a PIN is just a box of money. And a safe breached with a grinder stays open.
Transferring money
You can hand cash to another player directly: get within 3 metres and use the transfer action. There is a one second pause between transfers.
Money also moves indirectly through a corpse or an open safe — drop it there and let someone collect.
Where money comes from
| Source | Amount |
|---|---|
| Mission AI, tier I | 0–25 $ |
| Mission AI, tier IV | 100–200 $ |
| Mission crate, tier I | 300–700 $ |
| Mission crate, tier II | 1,000–2,000 $ |
| Mission crate, tier III | 2,500–4,500 $ |
| Mission crate, tier IV | 6,000–10,000 $ |
| Crate from a downed patrol helicopter | 6,000–10,000 $ |
| Selling loot | 20 % of the buy price |
Town AI patrols carry no money — they only pay in reputation.
Where money goes
| Expense | Cost |
|---|---|
| Base upkeep, level 1 | 10,000 $ per 7 days |
| Base upkeep, level 3 | 70,000 $ per 7 days |
| Repairing a damaged structure | 5,000 $ |
| Full heal at the medic | 10,000 $ |