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About Bank Simulator
Bank Simulator puts you in charge of a fledgling bank, turning customer deposits into loans, bonds, and ATM revenue. You move cash by hand, manage offices, and reinvest earnings to expand from a single branch to a worldwide institution. The game blends hands‑on money handling with strategic upgrades and marketing.
Play with mouse, keyboard, or a supported controller on PC, Steam Deck, or Steam Machine, and compete on four Steam leaderboards while unlocking achievements. Early‑Access updates are planned, and multiplayer is planned for future development. The title supports Steam Cloud, family sharing, and multiple languages.
01 / THE GUIDE
Teller Office
The teller desk is your starting point. You accept deposits, process withdrawals, verify IDs, open accounts, and issue credit cards. Mistakes such as counterfeit cash or approving overdrafts can hurt your bank.
Hiring staff for the counter automates tasks, reducing the need for manual clicks. Hiring staff for the counter can further speed up processing, and you can click your staff to boost their speed.
- Compare the speed of manual processing versus hiring a teller before upgrading the counter.
- Observe how often counterfeit alerts appear; adjusting your vigilance may save commissions.
02 / THE GUIDE
Loans
Loan officers review applicant documents and decide whether to approve financing. Upgrades unlock a negotiation stage where you can adjust rate, amount, and term to favor the bank. Pushing negotiations too hard may cause borrowers to withdraw.
Successful loan deals generate commissions that can be reinvested. The risk‑assessment step emphasizes catching false information before defaults occur.
- Balance a higher rate against the risk of borrowers walking away.
- Track which document checks catch the most false applications.
03 / THE GUIDE
Bonds
Brokers present bond deals that you must evaluate. Each page is stamped Good, Caution, or Reject before buying or passing. Profitable decisions raise your global Bond Rank and can unlock an analyst who handles future calls.
Mistakes result in losses, but successful selections improve commission flow and open further office upgrades.
- Compare the outcomes of Good versus Caution stamps to refine your criteria.
- Consider waiting for the analyst upgrade before handling high‑value bonds.
04 / THE GUIDE
Marketing
Seven marketing channels let you launch Small, Big, or Huge campaigns. Each campaign can go viral, potentially doubling its reach and bringing new customers into the bank. Hiring a marketer automates campaign execution.
Campaigns directly affect the flow of deposits, feeding the Money Loop. Different channels (social media, billboards, TV, influencers) provide varied exposure, and you can customize the scale each time.
- Test a Small campaign on a low‑cost channel before scaling up.
- Watch for viral spikes; they may justify larger future investments.
05 / THE GUIDE
ATM Rooms & Cash Car
You can unlock up to ten ATM rooms across the city. The Cash Car transports cash to keep machines stocked, and you must refuel at a gas station. Each withdrawal generates a commission, and upgrades raise earnings per customer.
Expanding ATM coverage adds a steady income stream separate from the teller and loan offices. Upgrades also increase the cash capacity of each room, allowing larger payouts.
- Map the shortest route for the Cash Car to minimize refuel trips.
- Upgrade rooms after confirming a consistent withdrawal volume.
COMMUNITY
Player discussion