Yes!
And for RP Purposes, I can work there and be a bit of an upper class snob!

Don't worry, I think you're reading too much into it, it will literally just be like having a chest somewhere where you store your money, or from which you can borrow money if you don't have to micromanage anymore than what you would otherwise have to do without banks.

Really, those letters of credit that people talk about, it's not like you needed signed by lawyers, it's really just a check.

The reason why there were letters of credit, and banks in the Daggerfall, was because money had weight. So you stored your cash in a bank, but maybe you still wanted to carry around a lot of money, but without the coins weighing you down, so you used a letter of credit instead, just a piece of paper worth a certain amount of money which you've decided. So instead of walking around with 40 000 septims, you had a letter of credit worth 40 000 septims.

Trust me, there's no real micro management, if you're in a hurry, it will take you tops 20 sec. to do whatever it is you need to do with the bank, provided you're not robbing it.

If skyrim had the amount of factions, detail, werecreatures, immersion and realism that daggerfall did it would be an awesome game

Banks would be cool, but wouldn't have much use in an Elder Scrolls game anymore....

---With gold being weightless, there's no need for letters of credit (and I'd say yes, gold should remain weightless - for gameplay purposes, of course)
---Storing money does no good if money is weightless AND you are forced to re-load your game upon your death. (a bank system is nice in RPGs like Diablo where you lose your gold upon death, and can't load)
---Loans are (in my opinion) not something worth re-introducing. In Daggerfall I'd take a loan out with no intention of repaying, and there would be no consequence. If the bank would take aggressive action to recover it's money when necessary, the loan system might get interesting... but I'd still prefer it be left out.

So, the use for the bank is reduced to the purchase of homes, ships, wagons, etc. But that purpose could be redistributed to realtors, shipyards, and umm... wagon-makers?

Really people. There's no reason why anyone would be forced to use a banking system if you don't like it, even if there's gold weight (which should at least be in). If you don't want to use a bank you could still just drop excess gold in a box somewhere.

And a banking system does make sense. There's a reason why banking systems are as old as man-made currency.



Imho banks shouldn't offer anything up for sale. Except perhaps when the commodities/real estate has fallen into the hands of the bank due to credit default by the previous owner.

Banks should make a return because gold should weigh something.


Edit: My vote = I feel like picking this option!

To everyone who's saying that they can't imagine banks in Skyrim, think about this:
Big, burly Nord warriors with a bloodied 50kg war axe hanging on their shoulder don't need banks.
Why the hell would a bear of a man like that go to the bank? He keeps everything at home or on himself,
and anyone foolish enough to steal would see his brains splattered on the wall.

Thus: If you can't imagine it, imagine the above. It's not because there are banks, you have to use them.

I'd much rather have the option to use banks, than have no banks at all.

I think I'd rather see a shady lone shark (maybe larger scale shady lenders guild or something) than an actual bank.
maybe one in which you can keep items, if you don't have a house yet, but want to keep essential items for later

They could have those in addition to the banks, and the banks could be hiring guys to shut down the loan sharks.

Don't make them necessary, by making gold have weight or anything like that. Make their primary uses be making money on interest(low rates though and based on time you play, not wait) and loans.

good point!

also, if there was to be a bank, id like it to be very old fashioned - its a medieval sort of setting right.. and it shouldnt make the game too easy either. other than that sounds great to me!

I think the whole point for many people is actually that carrying 100.000++ coins around makes no sense at all.

Besides it obviously taking an ox-cart to hoard around that amount of coinage (due to the sheer weight and the sheer volume), every single bandit and free-roller in Skyrim should be jumping your back to get at that gold.

Exactly. In Oblivion, my guy can carry 345,325,513 gold coins. On his person.

That's not realistic at all. If they can let us roleplay not carrying an entire armory on our backs, then they can let us have a bank or at least a little safe in our houses to put our money.

I want em. But just so I can rob em. And no weighted money.

In the beginning of Oblivion it was hard getting money, but at higher levels, I had so much of it, but nothing to spend it on. So what're we gonna need banks for? What good is all the extra money gonna do? The only reason I might have money in TES is to have something to spend it on.

This. As for coins having weight, a solution could be only be activated if TES V has an hardcoe Mode, like FO NV.

Only if I get to rob the banks.


Man in a cloak walks into the bank, he pulls out a small crossbow and starts shotuing, " Give me the gold!!! get down, get down!!!"

Then the bank manager calmly holds his hand out and FWOOOSSH!

"Clean Up, ashes on the floor!"

best option here - make money weigh (probably 0.1 or 0.05 or something) and encourage people to use banks. It wouldn't just be for money either. Remember that glass axe you stole from that orc a while back, but don't want to sell, but its taking up room in your inventory? Store it in your vault!

Banking being forced upon people = bad idea.
the option of banking/loans/ letters of credit = excellent idea for those who want to immerse themselves fully
win win

P.S
If there are banks, the economy needs an overhaul, and yes to loan sharks.

Such systems are common to MMORPGs, and you know it. All this would do would make transactions needlessly complicated. If you had an item worth one unit and in item worth 100 units why not just use the same unit instead of saying that the one unit item is worth a silver piece and the 100 unit item is worth a gold piece. What would it do except needlessly complicate the money system.

Yes because when you buy a house IRL you pay for it in rubies and diamonds as opposed to the normal currency don't you? >.>

I wouldn't know it, seeing as I play approximately zero MMO's ever. If they do the same, however, it's probably because a game with thousands of players buying and selling things between NPC's and each other would probably need a better money system.

If the computer handles it, and I don't see why it wouldn't, it adds virtually no complication at all. Large amounts of lesser coins are automatically "assembled" into better ones and buying a cheaper item with one will break it up into change of smaller coins. Aside from matters of realism and plausibility, the reason this is better instead of "exactly the same with more colors" is that it allows easier handling of minute and huge values. If all you have is, say, the standard Septim, then nothing can possibly be cheaper than one Septim. It would be such a small amount of money as to count for almost nothing. Subsequently, it would be rather silly for anything to be that cheap; even a simple apple would be way more than one coin, and any poor person will tell you that food is not the cheapest possible purchase in the world. An apple might be 20, but by comparison, a magic sword would be 30,000 or something, and before long you're escalating into absurd money values where apparently you're hiring a gang of teamsters to haul your giant sacks of gold to the store so you can buy something. Smaller numbers of coins makes it easier to find plausible amounts in dungeons, or put it on display in your house.

Comparatively, it's like why many people want weight to have decimal values. When the smallest unit is one "feather", then you have pieces of paper worth one feather, and a metal helmet that either weighs the same as ten pieces of paper or you have to drive it up to crazy numbers and make the player's weight capacity something like twenty thousand feathers in order to accommodate all the inflated numbers. The decimals are just easier to deal with. So, basically, I'm saying the opposite; it makes things less complicated, along with simple factors of realism.

I didn't read all the posts cuz I just logged on for a minute or two.
sorry if it was covered
I loved the MOD that was done for Oblivion.
I do like the ability for them to hold my gold in case of problems. I know there are techy issues with the banks. I would put up with all that in order to have my gold safe.. and the free toaster!

I feel like picking this option! :wink_smile:

I think banks, if done correctly, would add a great deal to Skyrim. I would like it.

Except that, no matter what, the smallest value is still one coin. So, really, all you are saying is that the coin would be exactly the same with different colors. See, if an apple costs one and a magic helmet costs 20,000 apples then the ratio will be the same regardless of what intervening coins the items are priced in. In a one currency system all you have to do is look and see, "Ok that helmet is 20,000 and the apple is one" whereas under your system it would be more like "Ok, the apple is one and the helmet is worth two of a more valuable coin". The value ratio is the same, but much less obvious. Imagine if stores in real life started pricing things that cost 100+ euros or dollars or whatever as costing, for example, 4.5 "big dollars" instead of 450 dollars. What would be the point, other than to confuse people.

Imagine if you had to buy that $450 item in one dollar bills because there are no larger denominations, which is more accurately what this is. Having pennies and hundred dollar bills is generally more convenient than dealing with everything using one dollar bills. Note that this is only coming up in reference to banks; if the economy is extremely simple, then no, there's not much need to fancy up the cash. In the context of banks and bartering and gold having weight and a more active economy and, in general, a lot more "money handling" going on, using denominations can make things much easier.