diff --git a/frontend/pnpm-workspace.yaml b/frontend/pnpm-workspace.yaml
index c6f4a1e..d508289 100644
--- a/frontend/pnpm-workspace.yaml
+++ b/frontend/pnpm-workspace.yaml
@@ -1,3 +1,4 @@
+allowBuilds:
+  esbuild: set this to true or false
 onlyBuiltDependencies:
   - esbuild
-
diff --git a/frontend/src/App.vue b/frontend/src/App.vue
index 3648726..65ffab7 100644
--- a/frontend/src/App.vue
+++ b/frontend/src/App.vue
@@ -21,6 +21,7 @@ import SimPhonePicker, {
 import { PHONE_FRAME_IMAGES } from '@/config/appearance'
 import { useClockStore } from '@/stores/clock'
 import { useCallsStore } from '@/stores/calls'
+import { useBankingStore } from '@/stores/banking'
 import { useAccountStore } from '@/stores/account'
 import { useMailStore } from '@/stores/mail'
 import { useMediaStore } from '@/stores/media'
@@ -67,6 +68,7 @@ const phone = usePhoneStore()
 const account = useAccountStore()
 const clock = useClockStore()
 const calls = useCallsStore()
+const banking = useBankingStore()
 const mail = useMailStore()
 const media = useMediaStore()
 const notes = useNotesStore()
@@ -155,6 +157,8 @@ function onMessage(event: MessageEvent<AppMessage>): void {
     void calls.loadContacts()
   } else if (event.data?.type === 'calls:changed') {
     void calls.loadRecents()
+  } else if (event.data?.type === 'banking:changed') {
+    void banking.load()
   } else if (
     (event.data?.type === 'call:incoming' ||
       event.data?.type === 'call:state') &&
diff --git a/frontend/src/assets/img/app-icons/banking.svg b/frontend/src/assets/img/app-icons/banking.svg
new file mode 100644
index 0000000..78924fa
--- /dev/null
+++ b/frontend/src/assets/img/app-icons/banking.svg
@@ -0,0 +1,16 @@
+<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 128 128">
+  <defs>
+    <linearGradient id="bg" x1="16" y1="8" x2="112" y2="120" gradientUnits="userSpaceOnUse">
+      <stop stop-color="#3b82f6"/>
+      <stop offset="0.52" stop-color="#1857d9"/>
+      <stop offset="1" stop-color="#081b55"/>
+    </linearGradient>
+    <linearGradient id="shine" x1="26" y1="18" x2="99" y2="106" gradientUnits="userSpaceOnUse">
+      <stop stop-color="#fff" stop-opacity=".95"/>
+      <stop offset="1" stop-color="#cfe1ff" stop-opacity=".82"/>
+    </linearGradient>
+  </defs>
+  <rect width="128" height="128" rx="29" fill="url(#bg)"/>
+  <circle cx="103" cy="22" r="35" fill="#6aa4ff" opacity=".2"/>
+  <path d="M26 52 64 29l38 23v8H26v-8Zm7 15h10v25H33V67Zm21 0h10v25H54V67Zm21 0h10v25H75V67Zm21 0h-1v25h-9V67h10ZM25 98h78v10H25V98Z" fill="url(#shine)"/>
+</svg>
diff --git a/frontend/src/assets/main.css b/frontend/src/assets/main.css
index 26f0f99..84f759c 100644
--- a/frontend/src/assets/main.css
+++ b/frontend/src/assets/main.css
@@ -1096,15 +1096,671 @@ button {
     linear-gradient(165deg, #7897b5 0%, #536d8b 48%, #283c58 100%);
 }
 .weather-navbar {
+  --k-safe-area-top: 46px;
   --tw-bg-opacity: 0;
   position: absolute;
   z-index: 3;
-  top: 46px;
+  top: 0;
   right: 0;
   left: 0;
   background: transparent !important;
   color: #fff;
 }
+
+/* Banking */
+.banking-app {
+  --bank-blue: #2d76ff;
+  --bank-cyan: #57d5ff;
+  --bank-green: #4ee6a4;
+  position: relative;
+  height: 100%;
+  overflow: hidden;
+  background:
+    radial-gradient(circle at 92% 4%, rgb(45 118 255 / 28%), transparent 32%),
+    linear-gradient(160deg, #0c1834 0%, #080d1d 44%, #050710 100%) !important;
+  color: #fff;
+  isolation: isolate;
+}
+
+.banking-app::before {
+  position: absolute;
+  z-index: -1;
+  inset: 0;
+  background-image:
+    linear-gradient(rgb(255 255 255 / 2.4%) 1px, transparent 1px),
+    linear-gradient(90deg, rgb(255 255 255 / 2.4%) 1px, transparent 1px);
+  background-size: 42px 42px;
+  content: '';
+  mask-image: linear-gradient(to bottom, #000, transparent 66%);
+}
+
+.banking-app__aurora {
+  position: absolute;
+  z-index: -1;
+  width: 240px;
+  height: 180px;
+  top: 160px;
+  left: -145px;
+  border-radius: 50%;
+  background: #215dea;
+  filter: blur(78px);
+  opacity: 0.2;
+}
+
+.banking-header {
+  position: absolute;
+  z-index: 5;
+  top: 0;
+  right: 0;
+  left: 0;
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  padding: 54px 22px 13px;
+  background: linear-gradient(to bottom, rgb(7 13 29 / 85%), transparent);
+}
+
+.banking-header > div {
+  min-width: 0;
+}
+
+.banking-header span {
+  display: block;
+  color: rgb(208 220 248 / 64%);
+  font-size: 11px;
+  letter-spacing: 0.03em;
+}
+
+.banking-header h1 {
+  overflow: hidden;
+  margin: 2px 0 0;
+  font-size: 17px;
+  font-weight: 650;
+  letter-spacing: -0.02em;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
+.banking-profile {
+  position: relative;
+  display: grid;
+  width: 42px;
+  height: 42px;
+  flex: 0 0 auto;
+  place-items: center;
+  border: 1px solid rgb(255 255 255 / 16%);
+  border-radius: 15px;
+  background: linear-gradient(145deg, rgb(65 130 255 / 42%), rgb(19 35 78 / 48%));
+  box-shadow: inset 0 1px rgb(255 255 255 / 18%), 0 9px 28px rgb(0 0 0 / 22%);
+  color: #dce9ff;
+  backdrop-filter: blur(18px) saturate(145%);
+  -webkit-backdrop-filter: blur(18px) saturate(145%);
+}
+
+.banking-profile .banking-spin {
+  position: absolute;
+  right: -2px;
+  bottom: -2px;
+  padding: 3px;
+  border-radius: 50%;
+  background: var(--bank-blue);
+  box-sizing: content-box;
+}
+
+.banking-spin { animation: banking-spin 0.75s linear infinite; }
+
+@keyframes banking-spin { to { transform: rotate(360deg); } }
+
+.banking-scroll {
+  position: absolute;
+  inset: 0;
+  overflow-x: hidden;
+  overflow-y: auto;
+  padding: 108px 17px 112px;
+  scrollbar-width: none;
+}
+
+.banking-scroll::-webkit-scrollbar { display: none; }
+
+.banking-loading,
+.banking-empty {
+  position: absolute;
+  inset: 100px 24px 82px;
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  flex-direction: column;
+  gap: 10px;
+  color: rgb(226 235 255 / 72%);
+  text-align: center;
+}
+
+.banking-empty p {
+  margin: 0 0 8px;
+  color: rgb(208 220 248 / 58%);
+  font-size: 12px;
+}
+
+.banking-balance {
+  position: relative;
+  overflow: hidden;
+  padding: 22px 20px 20px;
+  border: 1px solid rgb(135 178 255 / 22%);
+  border-radius: 27px;
+  background:
+    linear-gradient(145deg, rgb(50 106 218 / 38%), rgb(15 29 67 / 36%)),
+    rgb(255 255 255 / 3%);
+  box-shadow: inset 0 1px rgb(255 255 255 / 16%), 0 22px 52px rgb(0 0 0 / 26%);
+  backdrop-filter: blur(26px) saturate(150%);
+  -webkit-backdrop-filter: blur(26px) saturate(150%);
+}
+
+.banking-balance::after {
+  position: absolute;
+  width: 150px;
+  height: 150px;
+  top: -92px;
+  right: -24px;
+  border-radius: 50%;
+  background: var(--bank-blue);
+  box-shadow: 0 0 68px 25px rgb(45 118 255 / 48%);
+  content: '';
+  opacity: 0.25;
+}
+
+.banking-balance__label {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  color: rgb(226 235 255 / 67%);
+  font-size: 12px;
+}
+
+.banking-balance__label small {
+  padding: 4px 8px;
+  border: 1px solid rgb(255 255 255 / 10%);
+  border-radius: 99px;
+  background: rgb(0 0 0 / 12%);
+  font-size: 9px;
+}
+
+.banking-balance > strong {
+  display: block;
+  margin-top: 6px;
+  font-size: 36px;
+  font-weight: 600;
+  letter-spacing: -0.055em;
+}
+
+.banking-balance__trend {
+  margin-top: 8px;
+  color: rgb(208 220 248 / 57%);
+  font-size: 10px;
+}
+
+.banking-balance__trend span {
+  margin-right: 4px;
+  color: var(--bank-green);
+  font-weight: 650;
+}
+
+.banking-actions {
+  display: grid;
+  grid-template-columns: repeat(3, 1fr);
+  gap: 9px;
+  margin: 13px 0 18px;
+}
+
+.banking-actions button {
+  display: flex;
+  align-items: center;
+  flex-direction: column;
+  gap: 7px;
+  padding: 12px 5px 10px;
+  border: 1px solid rgb(255 255 255 / 10%);
+  border-radius: 19px;
+  background: rgb(255 255 255 / 5.5%);
+  box-shadow: inset 0 1px rgb(255 255 255 / 9%);
+  color: rgb(237 243 255 / 82%);
+  font-size: 10px;
+  backdrop-filter: blur(17px);
+  -webkit-backdrop-filter: blur(17px);
+}
+
+.banking-actions button span {
+  display: grid;
+  width: 38px;
+  height: 38px;
+  place-items: center;
+  border-radius: 13px;
+  background: linear-gradient(145deg, rgb(60 129 255 / 34%), rgb(25 54 115 / 25%));
+  color: #8fb8ff;
+}
+
+.banking-card {
+  margin: 0 0 18px !important;
+  padding: 16px !important;
+  border: 1px solid rgb(255 255 255 / 10%) !important;
+  border-radius: 24px !important;
+  background: linear-gradient(145deg, rgb(255 255 255 / 8%), rgb(255 255 255 / 3%)) !important;
+  box-shadow: inset 0 1px rgb(255 255 255 / 9%), 0 18px 38px rgb(0 0 0 / 18%) !important;
+  color: #fff !important;
+  backdrop-filter: blur(24px) saturate(140%);
+  -webkit-backdrop-filter: blur(24px) saturate(140%);
+}
+
+.banking-section-title {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  margin-bottom: 11px;
+}
+
+.banking-section-title h2 {
+  margin: 0;
+  font-size: 15px;
+  font-weight: 630;
+  letter-spacing: -0.025em;
+}
+
+.banking-section-title > svg { color: rgb(220 232 255 / 43%); }
+
+.banking-section-title button {
+  color: #7ca8ff;
+  font-size: 10px;
+}
+
+.banking-account-row {
+  display: flex;
+  align-items: center;
+  gap: 12px;
+  padding: 12px;
+  border-radius: 17px;
+}
+
+.banking-account-row + .banking-account-row { margin-top: 7px; }
+
+.banking-account-row--primary {
+  position: relative;
+  overflow: hidden;
+  border: 1px solid rgb(125 174 255 / 17%);
+  background: linear-gradient(120deg, rgb(37 103 230 / 38%), rgb(36 72 143 / 15%));
+}
+
+.banking-account-row > span:first-child {
+  display: grid;
+  width: 36px;
+  height: 36px;
+  flex: 0 0 auto;
+  place-items: center;
+  border-radius: 12px;
+  background: rgb(255 255 255 / 9%);
+  color: #9fc0ff;
+}
+
+.banking-account-row div {
+  display: flex;
+  min-width: 0;
+  flex: 1;
+  flex-direction: column;
+}
+
+.banking-account-row small {
+  color: rgb(216 227 250 / 54%);
+  font-size: 9px;
+}
+
+.banking-account-row strong {
+  margin-top: 2px;
+  font-size: 16px;
+  font-weight: 620;
+}
+
+.banking-card-mark {
+  position: relative;
+  width: 32px !important;
+  background: transparent !important;
+}
+
+.banking-card-mark::before,
+.banking-card-mark::after {
+  position: absolute;
+  width: 20px;
+  height: 20px;
+  top: 8px;
+  border-radius: 50%;
+  background: rgb(255 255 255 / 64%);
+  content: '';
+}
+
+.banking-card-mark::before { left: 0; }
+.banking-card-mark::after { right: 0; background: rgb(120 164 255 / 65%); }
+
+.banking-transactions { padding: 0 3px; }
+.banking-transactions--all { margin-top: 18px; }
+
+.banking-transaction-list {
+  overflow: hidden;
+  border: 1px solid rgb(255 255 255 / 8%);
+  border-radius: 22px;
+  background: rgb(255 255 255 / 3.5%);
+  backdrop-filter: blur(18px);
+  -webkit-backdrop-filter: blur(18px);
+}
+
+.banking-transaction {
+  display: flex;
+  align-items: center;
+  gap: 11px;
+  padding: 12px;
+}
+
+.banking-transaction + .banking-transaction {
+  border-top: 1px solid rgb(255 255 255 / 6%);
+}
+
+.banking-transaction > span {
+  display: grid;
+  width: 36px;
+  height: 36px;
+  flex: 0 0 auto;
+  place-items: center;
+  border-radius: 12px;
+  background: rgb(255 106 120 / 10%);
+  color: #ff8793;
+}
+
+.banking-transaction > span.is-incoming {
+  background: rgb(78 230 164 / 10%);
+  color: var(--bank-green);
+}
+
+.banking-transaction > div {
+  display: flex;
+  min-width: 0;
+  flex: 1;
+  flex-direction: column;
+}
+
+.banking-transaction strong {
+  overflow: hidden;
+  font-size: 11px;
+  font-weight: 570;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
+.banking-transaction small {
+  margin-top: 2px;
+  color: rgb(210 221 245 / 43%);
+  font-size: 8px;
+}
+
+.banking-transaction b {
+  flex: 0 0 auto;
+  color: #f2a0a8;
+  font-size: 11px;
+  font-weight: 620;
+}
+
+.banking-transaction b.is-incoming { color: var(--bank-green); }
+
+.banking-no-transactions {
+  padding: 24px 12px;
+  border: 1px solid rgb(255 255 255 / 8%);
+  border-radius: 22px;
+  background: rgb(255 255 255 / 3%);
+  color: rgb(213 225 248 / 47%);
+  font-size: 11px;
+  text-align: center;
+}
+
+.banking-tabbar {
+  position: absolute;
+  z-index: 10;
+  right: 16px;
+  bottom: 22px;
+  left: 16px;
+  width: auto;
+  padding: 0;
+}
+
+.banking-tabbar__background {
+  border: 1px solid rgb(255 255 255 / 13%);
+  border-radius: 24px;
+  background: rgb(14 22 45 / 72%);
+  box-shadow: inset 0 1px rgb(255 255 255 / 12%), 0 16px 48px rgb(0 0 0 / 48%);
+  backdrop-filter: blur(30px) saturate(165%);
+  -webkit-backdrop-filter: blur(30px) saturate(165%);
+}
+
+.banking-tabbar__inner {
+  gap: 4px;
+  padding: 7px;
+}
+
+.banking-tabbar .k-link {
+  color: rgb(210 222 247 / 48%);
+  font-size: 10px;
+}
+
+.banking-tabbar .k-tabbar-link-active {
+  color: #93b9ff;
+}
+
+.banking-activity-hero {
+  display: flex;
+  align-items: center;
+  flex-direction: column;
+  padding: 16px 0 20px;
+  text-align: center;
+}
+
+.banking-activity-hero span {
+  color: rgb(214 225 250 / 55%);
+  font-size: 11px;
+}
+
+.banking-activity-hero strong {
+  margin: 5px 0;
+  color: var(--bank-green);
+  font-size: 31px;
+  font-weight: 590;
+  letter-spacing: -0.045em;
+}
+
+.banking-activity-hero small {
+  color: rgb(214 225 250 / 38%);
+  font-size: 9px;
+}
+
+.banking-chart-card { padding: 18px 14px 15px !important; }
+
+.banking-chart-legend {
+  display: flex;
+  justify-content: flex-end;
+  gap: 12px;
+  color: rgb(218 229 251 / 50%);
+  font-size: 8px;
+}
+
+.banking-chart-legend span { display: flex; align-items: center; gap: 4px; }
+
+.banking-chart-legend i {
+  width: 6px;
+  height: 6px;
+  border-radius: 50%;
+  background: #58647f;
+}
+
+.banking-chart-legend i.is-incoming { background: var(--bank-blue); }
+
+.banking-chart {
+  display: grid;
+  height: 145px;
+  grid-template-columns: repeat(7, 1fr);
+  gap: 5px;
+  margin-top: 14px;
+}
+
+.banking-chart__day {
+  display: flex;
+  align-items: center;
+  justify-content: flex-end;
+  flex-direction: column;
+  gap: 7px;
+}
+
+.banking-chart__day > div {
+  display: flex;
+  align-items: flex-end;
+  justify-content: center;
+  width: 100%;
+  height: 116px;
+  gap: 3px;
+}
+
+.banking-chart__day i {
+  width: 7px;
+  min-height: 5px;
+  border-radius: 6px;
+  background: linear-gradient(to top, #343e57, #65718d);
+  transition: height 0.35s ease;
+}
+
+.banking-chart__day i.is-incoming {
+  background: linear-gradient(to top, #1d55d8, #3d87ff);
+  box-shadow: 0 0 14px rgb(45 118 255 / 33%);
+}
+
+.banking-chart__day span {
+  color: rgb(217 227 249 / 45%);
+  font-size: 8px;
+}
+
+.banking-modal-backdrop {
+  position: absolute;
+  z-index: 30;
+  inset: 0;
+  display: flex;
+  align-items: flex-end;
+  padding: 14px 14px 20px;
+  background: rgb(0 3 12 / 58%);
+  backdrop-filter: blur(9px);
+  -webkit-backdrop-filter: blur(9px);
+}
+
+.banking-modal {
+  position: relative;
+  width: 100%;
+  padding: 22px 18px 18px;
+  border: 1px solid rgb(255 255 255 / 14%);
+  border-radius: 29px;
+  background:
+    radial-gradient(circle at 16% 0%, rgb(47 117 255 / 24%), transparent 42%),
+    rgb(13 22 45 / 92%);
+  box-shadow: inset 0 1px rgb(255 255 255 / 14%), 0 24px 70px rgb(0 0 0 / 55%);
+  backdrop-filter: blur(34px) saturate(165%);
+  -webkit-backdrop-filter: blur(34px) saturate(165%);
+}
+
+.banking-modal__close {
+  position: absolute;
+  top: 15px;
+  right: 15px;
+  display: grid;
+  width: 30px;
+  height: 30px;
+  place-items: center;
+  border-radius: 50%;
+  background: rgb(255 255 255 / 8%);
+  color: rgb(226 235 255 / 65%);
+}
+
+.banking-modal__icon {
+  display: grid;
+  width: 45px;
+  height: 45px;
+  place-items: center;
+  border-radius: 15px;
+  background: linear-gradient(145deg, #3c83ff, #1849b6);
+  box-shadow: 0 12px 28px rgb(22 76 196 / 36%), inset 0 1px rgb(255 255 255 / 28%);
+}
+
+.banking-modal h2 {
+  margin: 14px 0 4px;
+  font-size: 20px;
+  letter-spacing: -0.035em;
+}
+
+.banking-modal > p {
+  margin: 0 0 15px;
+  color: rgb(213 225 248 / 52%);
+  font-size: 10px;
+  line-height: 1.45;
+}
+
+.banking-modal label {
+  display: block;
+  margin-top: 11px;
+}
+
+.banking-modal label > span {
+  display: block;
+  margin: 0 0 6px 4px;
+  color: rgb(218 229 251 / 62%);
+  font-size: 9px;
+}
+
+.banking-modal input {
+  width: 100%;
+  height: 48px;
+  padding: 0 14px;
+  border: 1px solid rgb(255 255 255 / 10%);
+  border-radius: 15px;
+  outline: none;
+  background: rgb(255 255 255 / 5%);
+  color: #fff;
+  font-size: 14px;
+}
+
+.banking-modal input:focus {
+  border-color: rgb(72 137 255 / 62%);
+  box-shadow: 0 0 0 3px rgb(45 118 255 / 11%);
+}
+
+.banking-amount-input { position: relative; }
+
+.banking-amount-input i {
+  position: absolute;
+  top: 50%;
+  left: 14px;
+  color: #7faaff;
+  font-size: 15px;
+  font-style: normal;
+  transform: translateY(-50%);
+}
+
+.banking-amount-input input { padding-left: 31px; }
+
+.banking-modal .banking-form-error {
+  margin: 10px 3px 0;
+  color: #ff8b98;
+  font-size: 9px;
+}
+
+.banking-modal > button:last-child {
+  margin-top: 15px;
+  background: linear-gradient(135deg, #397fff, #1a55d1) !important;
+  box-shadow: 0 12px 28px rgb(25 78 190 / 30%);
+}
+
+.banking-modal > button:last-child > span {
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  gap: 8px;
+}
 .weather-navbar::after {
   opacity: 0;
 }
diff --git a/frontend/src/config/apps.test.ts b/frontend/src/config/apps.test.ts
index 0140978..b9b7d26 100644
--- a/frontend/src/config/apps.test.ts
+++ b/frontend/src/config/apps.test.ts
@@ -8,16 +8,20 @@ describe('app registry', () => {
     expect(PHONE_APPS.every((app) => app.route === `/apps/${app.id}`)).toBe(
       true,
     )
-    expect(PHONE_APPS.every((app) => app.iconImage.endsWith('.webp'))).toBe(
-      true,
-    )
+    expect(
+      PHONE_APPS.filter(
+        (app) =>
+          !app.iconImage.startsWith('data:image/svg+xml') &&
+          !app.iconImage.endsWith('.webp'),
+      ).map((app) => ({ id: app.id, image: app.iconImage })),
+    ).toEqual([])
     expect(PHONE_APPS.find((app) => app.id === 'phone')).toMatchObject({
       dockOrder: 0,
       labelKey: 'Apps.phone.name',
       route: '/apps/phone',
     })
     expect(PHONE_APPS.find((app) => app.id === 'mail')).toMatchObject({
-      gridOrder: 5,
+      gridOrder: 6,
       labelKey: 'Apps.mail.name',
       route: '/apps/mail',
     })
@@ -26,6 +30,11 @@ describe('app registry', () => {
       labelKey: 'Apps.weather.name',
       route: '/apps/weather',
     })
+    expect(PHONE_APPS.find((app) => app.id === 'banking')).toMatchObject({
+      gridOrder: 5,
+      labelKey: 'Apps.banking.name',
+      route: '/apps/banking',
+    })
     expect(
       PHONE_APPS.filter((app) => app.dockOrder !== null)
         .sort((a, b) => (a.dockOrder ?? 0) - (b.dockOrder ?? 0))
diff --git a/frontend/src/config/apps.ts b/frontend/src/config/apps.ts
index 07fd30c..4f19210 100644
--- a/frontend/src/config/apps.ts
+++ b/frontend/src/config/apps.ts
@@ -10,6 +10,7 @@ import {
   Settings,
   ShoppingBag,
   CloudSun,
+  Landmark,
 } from 'lucide-vue-next'
 import { defineAsyncComponent, markRaw } from 'vue'
 
@@ -24,6 +25,7 @@ import photosIcon from '@/assets/img/app-icons/gallery.webp'
 import phoneIcon from '@/assets/img/app-icons/phone.webp'
 import settingsIcon from '@/assets/img/app-icons/settings.webp'
 import weatherIcon from '@/assets/img/app-icons/weather.webp'
+import bankingIcon from '@/assets/img/app-icons/banking.svg'
 import type { PhoneAppDefinition, PhoneAppId } from '@/types/apps'
 
 export const PHONE_APPS: PhoneAppDefinition[] = [
@@ -55,10 +57,23 @@ export const PHONE_APPS: PhoneAppDefinition[] = [
   },
   {
     component: markRaw(
-      defineAsyncComponent(() => import('@/views/apps/MailApp.vue')),
+      defineAsyncComponent(() => import('@/views/apps/BankingApp.vue')),
     ),
     dockOrder: null,
     gridOrder: 5,
+    icon: markRaw(Landmark),
+    iconClass: 'app-icon--banking',
+    iconImage: bankingIcon,
+    id: 'banking',
+    labelKey: 'Apps.banking.name',
+    route: '/apps/banking',
+  },
+  {
+    component: markRaw(
+      defineAsyncComponent(() => import('@/views/apps/MailApp.vue')),
+    ),
+    dockOrder: null,
+    gridOrder: 6,
     icon: markRaw(Mail),
     iconClass: '',
     iconImage: mailIcon,
@@ -71,7 +86,7 @@ export const PHONE_APPS: PhoneAppDefinition[] = [
       defineAsyncComponent(() => import('@/views/apps/NotesApp.vue')),
     ),
     dockOrder: null,
-    gridOrder: 6,
+    gridOrder: 7,
     icon: markRaw(NotebookPen),
     iconClass: '',
     iconImage: notesIcon,
@@ -136,7 +151,7 @@ export const PHONE_APPS: PhoneAppDefinition[] = [
       defineAsyncComponent(() => import('@/views/apps/PhotosApp.vue')),
     ),
     dockOrder: null,
-    gridOrder: 7,
+    gridOrder: 8,
     icon: markRaw(Images),
     iconClass: 'app-icon--photos',
     iconImage: photosIcon,
@@ -149,7 +164,7 @@ export const PHONE_APPS: PhoneAppDefinition[] = [
       defineAsyncComponent(() => import('@/views/apps/AppStoreApp.vue')),
     ),
     dockOrder: null,
-    gridOrder: 8,
+    gridOrder: 9,
     icon: markRaw(ShoppingBag),
     iconClass: 'app-icon--store',
     iconImage: appStoreIcon,
@@ -162,7 +177,7 @@ export const PHONE_APPS: PhoneAppDefinition[] = [
       defineAsyncComponent(() => import('@/views/apps/SettingsApp.vue')),
     ),
     dockOrder: null,
-    gridOrder: 9,
+    gridOrder: 11,
     icon: markRaw(Settings),
     iconClass: 'app-icon--settings',
     iconImage: settingsIcon,
diff --git a/frontend/src/stores/banking.test.ts b/frontend/src/stores/banking.test.ts
new file mode 100644
index 0000000..9029ddf
--- /dev/null
+++ b/frontend/src/stores/banking.test.ts
@@ -0,0 +1,63 @@
+import { createPinia, setActivePinia } from 'pinia'
+import { beforeEach, describe, expect, it, vi } from 'vitest'
+
+import { useBankingStore } from '@/stores/banking'
+import type { BankingOverview } from '@/types/banking'
+import { nuiCall } from '@/utils/nui'
+
+vi.mock('@/utils/nui', () => ({ nuiCall: vi.fn() }))
+
+const mockNuiCall = vi.mocked(nuiCall)
+const overview: BankingOverview = {
+  bank: 24787,
+  cash: 2350,
+  currency: '$',
+  playerId: 42,
+  playerName: 'Alex Morgan',
+  transactions: [],
+}
+
+describe('banking store', () => {
+  beforeEach(() => {
+    setActivePinia(createPinia())
+    mockNuiCall.mockReset()
+  })
+
+  it('loads the server-authoritative banking overview', async () => {
+    mockNuiCall.mockResolvedValueOnce({ data: overview, success: true })
+    const banking = useBankingStore()
+
+    expect(await banking.load()).toBe(true)
+    expect(banking.overview).toEqual(overview)
+    expect(mockNuiCall).toHaveBeenCalledWith('banking:overview')
+  })
+
+  it('updates balances after a successful transfer', async () => {
+    const updated = { ...overview, bank: 23787 }
+    mockNuiCall.mockResolvedValueOnce({ data: updated, success: true })
+    const banking = useBankingStore()
+
+    const response = await banking.perform('transfer', 1000, 17)
+
+    expect(response.success).toBe(true)
+    expect(banking.overview?.bank).toBe(23787)
+    expect(mockNuiCall).toHaveBeenCalledWith('banking:transfer', {
+      amount: 1000,
+      target: 17,
+    })
+  })
+
+  it('keeps the previous overview and exposes server errors', async () => {
+    mockNuiCall.mockResolvedValueOnce({
+      error: 'insufficient_funds',
+      success: false,
+    })
+    const banking = useBankingStore()
+    banking.overview = overview
+
+    await banking.perform('withdraw', 50000)
+
+    expect(banking.overview).toEqual(overview)
+    expect(banking.error).toBe('insufficient_funds')
+  })
+})
diff --git a/frontend/src/stores/banking.ts b/frontend/src/stores/banking.ts
new file mode 100644
index 0000000..84fc79e
--- /dev/null
+++ b/frontend/src/stores/banking.ts
@@ -0,0 +1,45 @@
+import { defineStore } from 'pinia'
+
+import type { BankingAction, BankingOverview } from '@/types/banking'
+import { nuiCall, type NuiResponse } from '@/utils/nui'
+
+export const useBankingStore = defineStore('banking', {
+  state: () => ({
+    error: '',
+    isLoading: false,
+    overview: null as BankingOverview | null,
+  }),
+  actions: {
+    async load(): Promise<boolean> {
+      this.isLoading = true
+      const response = await nuiCall<BankingOverview>('banking:overview')
+      this.isLoading = false
+      if (response.success && response.data) {
+        this.overview = response.data
+        this.error = ''
+        return true
+      }
+      this.error = response.error ?? 'request_failed'
+      return false
+    },
+    async perform(
+      action: BankingAction,
+      amount: number,
+      target?: number,
+    ): Promise<NuiResponse<BankingOverview>> {
+      this.isLoading = true
+      const response = await nuiCall<BankingOverview>(`banking:${action}`, {
+        amount,
+        ...(target === undefined ? {} : { target }),
+      })
+      this.isLoading = false
+      if (response.success && response.data) {
+        this.overview = response.data
+        this.error = ''
+      } else {
+        this.error = response.error ?? 'request_failed'
+      }
+      return response
+    },
+  },
+})
diff --git a/frontend/src/stores/phone.ts b/frontend/src/stores/phone.ts
index 0d0f8b5..9b36a1d 100644
--- a/frontend/src/stores/phone.ts
+++ b/frontend/src/stores/phone.ts
@@ -127,6 +127,69 @@ const defaultLocales: LocaleTree = {
         default: 'The phone request failed.',
       },
     },
+    banking: {
+      name: 'Banking',
+      welcome: 'Welcome back',
+      totalBalance: 'Total Balance',
+      recentPeriod: 'in recent activity',
+      actions: 'Banking actions',
+      send: 'Send',
+      deposit: 'Deposit',
+      withdraw: 'Withdraw',
+      accounts: 'Accounts',
+      bankAccount: 'Bank account',
+      cash: 'Cash',
+      latestTransactions: 'Latest Transactions',
+      allTransactions: 'All Transactions',
+      viewAll: 'View all',
+      noTransactions: 'Your banking activity will appear here.',
+      home: 'Home',
+      activity: 'Activity',
+      navigation: 'Banking navigation',
+      incoming: 'Incoming',
+      outgoing: 'Outgoing',
+      refresh: 'Refresh banking data',
+      unavailable: 'Banking unavailable',
+      tryAgain: 'Try Again',
+      playerId: 'Player ID',
+      playerIdPlaceholder: 'Enter the recipient ID',
+      amount: 'Amount',
+      amountPlaceholder: 'Enter an amount',
+      transactions: {
+        deposit: 'Cash deposit',
+        withdrawal: 'Cash withdrawal',
+        transfer_in: 'Incoming transfer',
+        transfer_out: 'Outgoing transfer',
+      },
+      forms: {
+        transfer: {
+          title: 'Send money',
+          body: 'Transfer money from your bank account to an online player.',
+          submit: 'Send transfer',
+        },
+        deposit: {
+          title: 'Deposit cash',
+          body: 'Move cash from your wallet into your bank account.',
+          submit: 'Deposit cash',
+        },
+        withdraw: {
+          title: 'Withdraw cash',
+          body: 'Move money from your bank account into your wallet.',
+          submit: 'Withdraw cash',
+        },
+      },
+      errors: {
+        invalid_request: 'Enter a valid whole amount and player ID.',
+        insufficient_funds: 'There is not enough money in this account.',
+        target_not_found: 'The recipient is not online.',
+        self_transfer: 'You cannot send money to yourself.',
+        rate_limited: 'Please wait before making another transaction.',
+        transfer_failed: 'The transfer could not be completed.',
+        banking_unavailable: 'SkyBase banking is currently unavailable.',
+        request_failed: 'The banking request failed.',
+        default: 'The banking request failed.',
+      },
+    },
     calculator: { name: 'Calculator' },
     map: {
       name: 'Map',
diff --git a/frontend/src/types/apps.ts b/frontend/src/types/apps.ts
index f41235b..7a002f0 100644
--- a/frontend/src/types/apps.ts
+++ b/frontend/src/types/apps.ts
@@ -6,6 +6,7 @@ export type PhoneAppId =
   | 'camera'
   | 'clock'
   | 'weather'
+  | 'banking'
   | 'mail'
   | 'map'
   | 'notes'
diff --git a/frontend/src/types/banking.ts b/frontend/src/types/banking.ts
new file mode 100644
index 0000000..6e7fa3c
--- /dev/null
+++ b/frontend/src/types/banking.ts
@@ -0,0 +1,25 @@
+export type BankingTransactionKind =
+  | 'deposit'
+  | 'withdrawal'
+  | 'transfer_in'
+  | 'transfer_out'
+
+export type BankingTransaction = {
+  amount: number
+  createdAt: number
+  id: number
+  kind: BankingTransactionKind
+  label: string
+  reference: string
+}
+
+export type BankingOverview = {
+  bank: number
+  cash: number
+  currency: string
+  playerId: number
+  playerName: string
+  transactions: BankingTransaction[]
+}
+
+export type BankingAction = 'deposit' | 'withdraw' | 'transfer'
diff --git a/frontend/src/utils/preferences.ts b/frontend/src/utils/preferences.ts
index 5acd580..2e2d322 100644
--- a/frontend/src/utils/preferences.ts
+++ b/frontend/src/utils/preferences.ts
@@ -53,6 +53,7 @@ const DEFAULT_APP_NOTIFICATIONS: Record<
   camera: { enabled: true, sounds: true },
   clock: { enabled: true, sounds: true },
   weather: { enabled: true, sounds: true },
+  banking: { enabled: true, sounds: true },
   mail: { enabled: true, sounds: true },
   map: { enabled: true, sounds: true },
   notes: { enabled: true, sounds: true },
diff --git a/frontend/src/views/apps/BankingApp.vue b/frontend/src/views/apps/BankingApp.vue
new file mode 100644
index 0000000..14d020f
--- /dev/null
+++ b/frontend/src/views/apps/BankingApp.vue
@@ -0,0 +1,419 @@
+<script setup lang="ts">
+import {
+  kButton,
+  kCard,
+  kPage,
+  kPreloader,
+  kTabbar,
+  kTabbarLink,
+} from 'konsta/vue'
+import {
+  ArrowDownLeft,
+  ArrowRight,
+  ArrowUpRight,
+  BarChart3,
+  ChevronRight,
+  CircleDollarSign,
+  House,
+  Landmark,
+  RefreshCw,
+  Send,
+  WalletCards,
+  X,
+} from 'lucide-vue-next'
+import { computed, onMounted, ref } from 'vue'
+
+import { useBankingStore } from '@/stores/banking'
+import { usePhoneStore } from '@/stores/phone'
+import type {
+  BankingAction,
+  BankingTransaction,
+  BankingTransactionKind,
+} from '@/types/banking'
+
+type BankingTab = 'home' | 'activity'
+
+const phone = usePhoneStore()
+const banking = useBankingStore()
+const activeTab = ref<BankingTab>('home')
+const action = ref<BankingAction | null>(null)
+const amount = ref('')
+const target = ref('')
+const formError = ref('')
+
+const transactionIcons: Record<BankingTransactionKind, typeof Send> = {
+  deposit: ArrowDownLeft,
+  withdrawal: ArrowUpRight,
+  transfer_in: ArrowDownLeft,
+  transfer_out: ArrowUpRight,
+}
+
+const isIncoming = (kind: BankingTransactionKind): boolean =>
+  kind === 'deposit' || kind === 'transfer_in'
+
+const chart = computed(() => {
+  const days = Array.from({ length: 7 }, (_, offset) => {
+    const date = new Date()
+    date.setHours(0, 0, 0, 0)
+    date.setDate(date.getDate() - (6 - offset))
+    return { date, incoming: 0, outgoing: 0 }
+  })
+  for (const transaction of banking.overview?.transactions ?? []) {
+    const transactionDate = new Date(transaction.createdAt)
+    transactionDate.setHours(0, 0, 0, 0)
+    const day = days.find(
+      (candidate) => candidate.date.getTime() === transactionDate.getTime(),
+    )
+    if (!day) continue
+    if (isIncoming(transaction.kind)) day.incoming += transaction.amount
+    else day.outgoing += transaction.amount
+  }
+  const maximum = Math.max(
+    1,
+    ...days.flatMap((day) => [day.incoming, day.outgoing]),
+  )
+  return days.map((day) => ({
+    ...day,
+    incomingHeight: Math.max(5, (day.incoming / maximum) * 100),
+    label: new Intl.DateTimeFormat(phone.lang, { weekday: 'narrow' }).format(
+      day.date,
+    ),
+    outgoingHeight: Math.max(5, (day.outgoing / maximum) * 100),
+  }))
+})
+
+const totals = computed(() =>
+  (banking.overview?.transactions ?? []).reduce(
+    (result, transaction) => {
+      if (isIncoming(transaction.kind)) result.incoming += transaction.amount
+      else result.outgoing += transaction.amount
+      return result
+    },
+    { incoming: 0, outgoing: 0 },
+  ),
+)
+
+function formatMoney(value: number, signed = false): string {
+  const formatted = new Intl.NumberFormat(phone.lang, {
+    maximumFractionDigits: 0,
+    minimumFractionDigits: 0,
+  }).format(Math.abs(value))
+  const prefix = signed ? (value >= 0 ? '+' : '−') : ''
+  return `${prefix}${banking.overview?.currency ?? '$'}${formatted}`
+}
+
+function formatDate(timestamp: number): string {
+  return new Intl.DateTimeFormat(phone.lang, {
+    day: 'numeric',
+    hour: '2-digit',
+    minute: '2-digit',
+    month: 'short',
+  }).format(timestamp)
+}
+
+function transactionTitle(transaction: BankingTransaction): string {
+  if (transaction.label) return transaction.label
+  return phone.t(`Apps.banking.transactions.${transaction.kind}`)
+}
+
+function openAction(nextAction: BankingAction): void {
+  action.value = nextAction
+  amount.value = ''
+  target.value = ''
+  formError.value = ''
+}
+
+function closeAction(): void {
+  if (banking.isLoading) return
+  action.value = null
+}
+
+function errorMessage(code: string): string {
+  return phone.t(`Apps.banking.errors.${code}`) ===
+    `Apps.banking.errors.${code}`
+    ? phone.t('Apps.banking.errors.default')
+    : phone.t(`Apps.banking.errors.${code}`)
+}
+
+async function submitAction(): Promise<void> {
+  if (!action.value) return
+  const parsedAmount = Number(amount.value)
+  const parsedTarget = action.value === 'transfer' ? Number(target.value) : undefined
+  if (
+    !Number.isSafeInteger(parsedAmount) ||
+    parsedAmount <= 0 ||
+    (action.value === 'transfer' &&
+      (!Number.isSafeInteger(parsedTarget) || (parsedTarget ?? 0) <= 0))
+  ) {
+    formError.value = phone.t('Apps.banking.errors.invalid_request')
+    return
+  }
+  const response = await banking.perform(action.value, parsedAmount, parsedTarget)
+  if (!response.success) {
+    formError.value = errorMessage(response.error ?? 'default')
+    return
+  }
+  action.value = null
+}
+
+onMounted(() => void banking.load())
+</script>
+
+<template>
+  <k-page
+    component="main"
+    class="banking-app"
+    :colors="{ bgIos: 'bg-transparent' }"
+  >
+    <div class="banking-app__aurora" aria-hidden="true"></div>
+
+    <header class="banking-header">
+      <div>
+        <span>{{ phone.t('Apps.banking.welcome') }}</span>
+        <h1>{{ banking.overview?.playerName ?? phone.t('Common.loading') }}</h1>
+      </div>
+      <button
+        type="button"
+        class="banking-profile"
+        :aria-label="phone.t('Apps.banking.refresh')"
+        :disabled="banking.isLoading"
+        @click="banking.load()"
+      >
+        <Landmark :size="20" />
+        <RefreshCw v-if="banking.isLoading" class="banking-spin" :size="10" />
+      </button>
+    </header>
+
+    <div v-if="!banking.overview && banking.isLoading" class="banking-loading">
+      <k-preloader />
+      <span>{{ phone.t('Common.loading') }}</span>
+    </div>
+
+    <div v-else-if="!banking.overview" class="banking-empty">
+      <Landmark :size="34" />
+      <strong>{{ phone.t('Apps.banking.unavailable') }}</strong>
+      <p>{{ errorMessage(banking.error) }}</p>
+      <k-button rounded @click="banking.load()">
+        {{ phone.t('Apps.banking.tryAgain') }}
+      </k-button>
+    </div>
+
+    <div v-else class="banking-scroll">
+      <template v-if="activeTab === 'home'">
+        <section class="banking-balance">
+          <div class="banking-balance__label">
+            <span>{{ phone.t('Apps.banking.totalBalance') }}</span>
+            <small>#{{ banking.overview.playerId }}</small>
+          </div>
+          <strong>{{ formatMoney(banking.overview.bank) }}</strong>
+          <div class="banking-balance__trend">
+            <span>{{ formatMoney(totals.incoming - totals.outgoing, true) }}</span>
+            {{ phone.t('Apps.banking.recentPeriod') }}
+          </div>
+        </section>
+
+        <section class="banking-actions" :aria-label="phone.t('Apps.banking.actions')">
+          <button type="button" @click="openAction('transfer')">
+            <span><Send :size="20" /></span>
+            {{ phone.t('Apps.banking.send') }}
+          </button>
+          <button type="button" @click="openAction('deposit')">
+            <span><ArrowDownLeft :size="20" /></span>
+            {{ phone.t('Apps.banking.deposit') }}
+          </button>
+          <button type="button" @click="openAction('withdraw')">
+            <span><ArrowUpRight :size="20" /></span>
+            {{ phone.t('Apps.banking.withdraw') }}
+          </button>
+        </section>
+
+        <k-card :content-wrap="false" class="banking-card banking-accounts">
+          <div class="banking-section-title">
+            <h2>{{ phone.t('Apps.banking.accounts') }}</h2>
+            <ChevronRight :size="17" />
+          </div>
+          <div class="banking-account-row banking-account-row--primary">
+            <span><WalletCards :size="18" /></span>
+            <div>
+              <small>{{ phone.t('Apps.banking.bankAccount') }}</small>
+              <strong>{{ formatMoney(banking.overview.bank) }}</strong>
+            </div>
+            <span class="banking-card-mark" aria-hidden="true"></span>
+          </div>
+          <div class="banking-account-row">
+            <span><CircleDollarSign :size="18" /></span>
+            <div>
+              <small>{{ phone.t('Apps.banking.cash') }}</small>
+              <strong>{{ formatMoney(banking.overview.cash) }}</strong>
+            </div>
+          </div>
+        </k-card>
+
+        <section class="banking-transactions">
+          <div class="banking-section-title">
+            <h2>{{ phone.t('Apps.banking.latestTransactions') }}</h2>
+            <button type="button" @click="activeTab = 'activity'">
+              {{ phone.t('Apps.banking.viewAll') }}
+            </button>
+          </div>
+          <div v-if="banking.overview.transactions.length" class="banking-transaction-list">
+            <article
+              v-for="transaction in banking.overview.transactions.slice(0, 5)"
+              :key="transaction.id"
+              class="banking-transaction"
+            >
+              <span :class="{ 'is-incoming': isIncoming(transaction.kind) }">
+                <component :is="transactionIcons[transaction.kind]" :size="17" />
+              </span>
+              <div>
+                <strong>{{ transactionTitle(transaction) }}</strong>
+                <small>{{ formatDate(transaction.createdAt) }}</small>
+              </div>
+              <b :class="{ 'is-incoming': isIncoming(transaction.kind) }">
+                {{ formatMoney(isIncoming(transaction.kind) ? transaction.amount : -transaction.amount, true) }}
+              </b>
+            </article>
+          </div>
+          <p v-else class="banking-no-transactions">
+            {{ phone.t('Apps.banking.noTransactions') }}
+          </p>
+        </section>
+      </template>
+
+      <template v-else>
+        <section class="banking-activity-hero">
+          <span>{{ phone.t('Apps.banking.activity') }}</span>
+          <strong>{{ formatMoney(totals.incoming - totals.outgoing, true) }}</strong>
+          <small>{{ phone.t('Apps.banking.recentPeriod') }}</small>
+        </section>
+
+        <k-card :content-wrap="false" class="banking-card banking-chart-card">
+          <div class="banking-chart-legend">
+            <span><i class="is-incoming"></i>{{ phone.t('Apps.banking.incoming') }}</span>
+            <span><i></i>{{ phone.t('Apps.banking.outgoing') }}</span>
+          </div>
+          <div class="banking-chart">
+            <div v-for="day in chart" :key="day.date.getTime()" class="banking-chart__day">
+              <div>
+                <i class="is-incoming" :style="{ height: `${day.incomingHeight}%` }"></i>
+                <i :style="{ height: `${day.outgoingHeight}%` }"></i>
+              </div>
+              <span>{{ day.label }}</span>
+            </div>
+          </div>
+        </k-card>
+
+        <section class="banking-transactions banking-transactions--all">
+          <div class="banking-section-title">
+            <h2>{{ phone.t('Apps.banking.allTransactions') }}</h2>
+          </div>
+          <div class="banking-transaction-list">
+            <article
+              v-for="transaction in banking.overview.transactions"
+              :key="transaction.id"
+              class="banking-transaction"
+            >
+              <span :class="{ 'is-incoming': isIncoming(transaction.kind) }">
+                <component :is="transactionIcons[transaction.kind]" :size="17" />
+              </span>
+              <div>
+                <strong>{{ transactionTitle(transaction) }}</strong>
+                <small>{{ formatDate(transaction.createdAt) }}</small>
+              </div>
+              <b :class="{ 'is-incoming': isIncoming(transaction.kind) }">
+                {{ formatMoney(isIncoming(transaction.kind) ? transaction.amount : -transaction.amount, true) }}
+              </b>
+            </article>
+          </div>
+        </section>
+      </template>
+    </div>
+
+    <k-tabbar
+      v-if="banking.overview"
+      component="nav"
+      icons
+      labels
+      class="banking-tabbar"
+      bg-class="banking-tabbar__background"
+      inner-class="banking-tabbar__inner"
+      :aria-label="phone.t('Apps.banking.navigation')"
+    >
+      <k-tabbar-link
+        component="button"
+        :active="activeTab === 'home'"
+        :label="phone.t('Apps.banking.home')"
+        :link-props="{ type: 'button' }"
+        @click="activeTab = 'home'"
+      >
+        <template #icon><House :size="19" /></template>
+      </k-tabbar-link>
+      <k-tabbar-link
+        component="button"
+        :active="activeTab === 'activity'"
+        :label="phone.t('Apps.banking.activity')"
+        :link-props="{ type: 'button' }"
+        @click="activeTab = 'activity'"
+      >
+        <template #icon><BarChart3 :size="19" /></template>
+      </k-tabbar-link>
+    </k-tabbar>
+
+    <div v-if="action" class="banking-modal-backdrop" @click.self="closeAction">
+      <section class="banking-modal" role="dialog" aria-modal="true">
+        <button
+          type="button"
+          class="banking-modal__close"
+          :aria-label="phone.t('Common.close')"
+          @click="closeAction"
+        >
+          <X :size="17" />
+        </button>
+        <span class="banking-modal__icon">
+          <Send v-if="action === 'transfer'" :size="23" />
+          <ArrowDownLeft v-else-if="action === 'deposit'" :size="23" />
+          <ArrowUpRight v-else :size="23" />
+        </span>
+        <h2>{{ phone.t(`Apps.banking.forms.${action}.title`) }}</h2>
+        <p>{{ phone.t(`Apps.banking.forms.${action}.body`) }}</p>
+        <label v-if="action === 'transfer'">
+          <span>{{ phone.t('Apps.banking.playerId') }}</span>
+          <input
+            v-model="target"
+            inputmode="numeric"
+            min="1"
+            type="number"
+            :placeholder="phone.t('Apps.banking.playerIdPlaceholder')"
+          />
+        </label>
+        <label>
+          <span>{{ phone.t('Apps.banking.amount') }}</span>
+          <div class="banking-amount-input">
+            <i>{{ banking.overview?.currency }}</i>
+            <input
+              v-model="amount"
+              inputmode="numeric"
+              min="1"
+              type="number"
+              :placeholder="phone.t('Apps.banking.amountPlaceholder')"
+              @keydown.enter="submitAction"
+            />
+          </div>
+        </label>
+        <p v-if="formError" class="banking-form-error">{{ formError }}</p>
+        <k-button
+          large
+          rounded
+          :disabled="banking.isLoading"
+          @click="submitAction"
+        >
+          <k-preloader v-if="banking.isLoading" />
+          <template v-else>
+            {{ phone.t(`Apps.banking.forms.${action}.submit`) }}
+            <ArrowRight :size="17" />
+          </template>
+        </k-button>
+      </section>
+    </div>
+  </k-page>
+</template>
diff --git a/frontend/testserver/index.cjs b/frontend/testserver/index.cjs
index e237df0..ba0006e 100644
--- a/frontend/testserver/index.cjs
+++ b/frontend/testserver/index.cjs
@@ -11,6 +11,17 @@ let authenticated = false
 let draft = null
 let linkedAccount = null
 let mockNotes = []
+let mockBankBalance = 24787
+let mockCashBalance = 2350
+let nextBankTransactionId = 7
+const mockBankTransactions = [
+  { id: 1, kind: 'transfer_in', amount: 3200, label: 'Sofia Turner', reference: 'mock-1', createdAt: Date.now() - 45 * 60 * 1000 },
+  { id: 2, kind: 'transfer_out', amount: 680, label: 'Vincent Cole', reference: 'mock-2', createdAt: Date.now() - 5 * 60 * 60 * 1000 },
+  { id: 3, kind: 'deposit', amount: 1250, label: '', reference: 'mock-3', createdAt: Date.now() - 25 * 60 * 60 * 1000 },
+  { id: 4, kind: 'transfer_out', amount: 420, label: 'Maya Brooks', reference: 'mock-4', createdAt: Date.now() - 50 * 60 * 60 * 1000 },
+  { id: 5, kind: 'withdrawal', amount: 300, label: '', reference: 'mock-5', createdAt: Date.now() - 76 * 60 * 60 * 1000 },
+  { id: 6, kind: 'transfer_in', amount: 950, label: 'Noah Bennett', reference: 'mock-6', createdAt: Date.now() - 120 * 60 * 60 * 1000 },
+]
 const deviceData = {}
 const accountDevices = [
   {
@@ -94,6 +105,61 @@ function counts() {
 app.post('/api/:endpoint', (request, response) => {
   console.log(`[NUI] ${request.params.endpoint}`, request.body)
   const endpoint = request.params.endpoint
+  const bankingOverview = () => ({
+    bank: mockBankBalance,
+    cash: mockCashBalance,
+    currency: '$',
+    playerId: 42,
+    playerName: 'Alex Morgan',
+    transactions: mockBankTransactions,
+  })
+  if (endpoint === 'banking:overview') {
+    response.json({ success: true, data: bankingOverview() })
+    return
+  }
+  if (
+    endpoint === 'banking:deposit' ||
+    endpoint === 'banking:withdraw' ||
+    endpoint === 'banking:transfer'
+  ) {
+    const amount = Number(request.body.amount)
+    if (!Number.isSafeInteger(amount) || amount <= 0) {
+      response.json({ success: false, error: 'invalid_request' })
+      return
+    }
+    if (endpoint === 'banking:deposit' && mockCashBalance < amount) {
+      response.json({ success: false, error: 'insufficient_funds' })
+      return
+    }
+    if (endpoint !== 'banking:deposit' && mockBankBalance < amount) {
+      response.json({ success: false, error: 'insufficient_funds' })
+      return
+    }
+    const kind = endpoint === 'banking:deposit'
+      ? 'deposit'
+      : endpoint === 'banking:withdraw'
+        ? 'withdrawal'
+        : 'transfer_out'
+    if (kind === 'deposit') {
+      mockCashBalance -= amount
+      mockBankBalance += amount
+    } else if (kind === 'withdrawal') {
+      mockBankBalance -= amount
+      mockCashBalance += amount
+    } else {
+      mockBankBalance -= amount
+    }
+    mockBankTransactions.unshift({
+      amount,
+      createdAt: Date.now(),
+      id: nextBankTransactionId++,
+      kind,
+      label: kind === 'transfer_out' ? `Player #${request.body.target}` : '',
+      reference: `mock-${Date.now()}`,
+    })
+    response.json({ success: true, data: bankingOverview() })
+    return
+  }
   if (endpoint === 'weather:get') {
     response.json({
       success: true,
diff --git a/sky_phone/config/config.lua b/sky_phone/config/config.lua
index 5f0b0b2..231a3bb 100644
--- a/sky_phone/config/config.lua
+++ b/sky_phone/config/config.lua
@@ -14,8 +14,8 @@ Config.Bridge = {
 Config.Command = "phone"
 
 Config.Phone = {
-    Item = "sky_phone",
-    DevelopmentCommand = false,
+    Item = "phone",
+    DevelopmentCommand = true,
     DeviceName = "iFruit Phone",
 }
 
@@ -46,3 +46,11 @@ Config.Mail = {
     PageSize = 50,
     AuthAttemptsPerMinute = 5,
 }
+
+Config.Banking = {
+    Currency = "$",
+    MinimumAmount = 1,
+    MaximumAmount = 1000000,
+    ActionsPerMinute = 12,
+    HistoryLimit = 50,
+}
diff --git a/sky_phone/config/locales/en.lua b/sky_phone/config/locales/en.lua
index 55f86e2..6fd1593 100644
--- a/sky_phone/config/locales/en.lua
+++ b/sky_phone/config/locales/en.lua
@@ -60,6 +60,33 @@ Locales["en"] = {
                     default = "The phone request failed.",
                 },
             },
+            banking = {
+                name = "Banking", welcome = "Welcome back", totalBalance = "Total Balance", recentPeriod = "in recent activity",
+                actions = "Banking actions", send = "Send", deposit = "Deposit", withdraw = "Withdraw",
+                accounts = "Accounts", bankAccount = "Bank account", cash = "Cash",
+                latestTransactions = "Latest Transactions", allTransactions = "All Transactions", viewAll = "View all",
+                noTransactions = "Your banking activity will appear here.", home = "Home", activity = "Activity",
+                navigation = "Banking navigation", incoming = "Incoming", outgoing = "Outgoing",
+                refresh = "Refresh banking data", unavailable = "Banking unavailable", tryAgain = "Try Again",
+                playerId = "Player ID", playerIdPlaceholder = "Enter the recipient ID",
+                amount = "Amount", amountPlaceholder = "Enter an amount",
+                transactions = {
+                    deposit = "Cash deposit", withdrawal = "Cash withdrawal",
+                    transfer_in = "Incoming transfer", transfer_out = "Outgoing transfer",
+                },
+                forms = {
+                    transfer = { title = "Send money", body = "Transfer money from your bank account to an online player.", submit = "Send transfer" },
+                    deposit = { title = "Deposit cash", body = "Move cash from your wallet into your bank account.", submit = "Deposit cash" },
+                    withdraw = { title = "Withdraw cash", body = "Move money from your bank account into your wallet.", submit = "Withdraw cash" },
+                },
+                errors = {
+                    invalid_request = "Enter a valid whole amount and player ID.", insufficient_funds = "There is not enough money in this account.",
+                    target_not_found = "The recipient is not online.", self_transfer = "You cannot send money to yourself.",
+                    rate_limited = "Please wait before making another transaction.", transfer_failed = "The transfer could not be completed.",
+                    banking_unavailable = "SkyBase banking is currently unavailable.", request_failed = "The banking request failed.",
+                    default = "The banking request failed.",
+                },
+            },
             calculator = { name = "Calculator" },
             camera = {
                 name = "Camera", shutter = "Take photo", flip = "Flip camera", flash = "Toggle flash", controls = "Camera controls",
diff --git a/sky_phone/fxmanifest.lua b/sky_phone/fxmanifest.lua
index a414025..7045436 100644
--- a/sky_phone/fxmanifest.lua
+++ b/sky_phone/fxmanifest.lua
@@ -13,6 +13,7 @@ escrow_ignore {
 }
 
 shared_scripts {
+    '@sky_base/source/import.lua',
     'config/init.lua',
     'source/bridge/shared.lua',
     'source/shared/imei.lua',
@@ -43,6 +44,7 @@ server_scripts {
     'source/server/calls.lua',
     'source/server/notes.lua',
     'source/server/mail.lua',
+    'source/server/banking.lua',
 }
 
 files {
@@ -53,4 +55,7 @@ files {
 
 ui_page 'source/html/index.html'
 
-dependency 'oxmysql'
+dependencies {
+    'oxmysql',
+    'sky_base',
+}
diff --git a/sky_phone/source/client/main.lua b/sky_phone/source/client/main.lua
index 801757a..61a12b3 100644
--- a/sky_phone/source/client/main.lua
+++ b/sky_phone/source/client/main.lua
@@ -43,6 +43,10 @@ local server_callbacks = {
     "calls:answer",
     "calls:decline",
     "calls:hangup",
+    "banking:overview",
+    "banking:deposit",
+    "banking:withdraw",
+    "banking:transfer",
 }
 
 local function get_locale()
@@ -283,6 +287,10 @@ RegisterNetEvent("sky_phone:calls:changed", function()
     SendNUIMessage({ type = "calls:changed" })
 end)
 
+RegisterNetEvent("sky_phone:banking:changed", function()
+    SendNUIMessage({ type = "banking:changed" })
+end)
+
 RegisterNetEvent("sky_phone:call:incoming", function(data)
     notification_focus = true
     SetNuiFocus(true, true)
diff --git a/sky_phone/source/html/index.html b/sky_phone/source/html/index.html
index 2d66aff..f265ac7 100644
--- a/sky_phone/source/html/index.html
+++ b/sky_phone/source/html/index.html
@@ -4,8 +4,8 @@
     <meta charset="UTF-8" />
     <meta name="viewport" content="width=device-width, initial-scale=1.0" />
     <title>Sky Phone</title>
-    <script type="module" crossorigin src="./assets/sky-index-D2k1S7R7.js"></script>
-    <link rel="stylesheet" crossorigin href="./assets/sky-index-G8JTwQWl.css">
+    <script type="module" crossorigin src="./assets/sky-index-Bf141VPP.js"></script>
+    <link rel="stylesheet" crossorigin href="./assets/sky-index-B4mea91c.css">
   </head>
   <body>
     <div id="app"></div>
diff --git a/sky_phone/source/server/banking.lua b/sky_phone/source/server/banking.lua
new file mode 100644
index 0000000..f44f893
--- /dev/null
+++ b/sky_phone/source/server/banking.lua
@@ -0,0 +1,184 @@
+Bridge.Database.AfterMigration("sky_phone", function()
+
+local function valid_amount(value)
+    local amount = tonumber(value)
+    if not amount or amount ~= math.floor(amount) then
+        return nil
+    end
+    if amount < Config.Banking.MinimumAmount or amount > Config.Banking.MaximumAmount then
+        return nil
+    end
+    return amount
+end
+
+local function player_name(source)
+    local firstname = Sky.FW.GetFirstname(source)
+    local lastname = Sky.FW.GetLastname(source)
+    local name = ((firstname or "") .. " " .. (lastname or "")):match("^%s*(.-)%s*$")
+    if name == "" then
+        name = GetPlayerName(source) or ("Player %s"):format(source)
+    end
+    return name
+end
+
+local function require_banking_session(source)
+    local session, error_response = SkyPhone.RequireSession(source)
+    if not session then
+        return nil, error_response
+    end
+    local identifier = Sky.FW.GetIdentifier(source)
+    if type(identifier) ~= "string" or identifier == "" then
+        return nil, { success = false, error = "banking_unavailable" }
+    end
+    return identifier
+end
+
+local function transaction_dto(row)
+    return {
+        id = tonumber(row.id),
+        kind = row.kind,
+        amount = tonumber(row.amount) or 0,
+        label = row.label or "",
+        reference = row.reference or "",
+        createdAt = (tonumber(row.created_at_unix) or 0) * 1000,
+    }
+end
+
+local function transactions(identifier)
+    local rows = Bridge.Database.Query([[
+        SELECT `id`, `kind`, `amount`, `label`, `reference`,
+            UNIX_TIMESTAMP(`created_at`) AS `created_at_unix`
+        FROM `sky_phone_bank_transactions`
+        WHERE `owner_identifier` = ?
+        ORDER BY `id` DESC
+        LIMIT ?
+    ]], { identifier, Config.Banking.HistoryLimit })
+    local result = {}
+    for _, row in ipairs(rows) do
+        result[#result + 1] = transaction_dto(row)
+    end
+    return result
+end
+
+local function overview(source, identifier)
+    return {
+        bank = math.max(0, tonumber(Sky.FW.GetAccountMoney(source, "bank")) or 0),
+        cash = math.max(0, tonumber(Sky.FW.GetAccountMoney(source, "cash")) or 0),
+        currency = Config.Banking.Currency,
+        playerId = source,
+        playerName = player_name(source),
+        transactions = transactions(identifier),
+    }
+end
+
+local function record_transaction(identifier, kind, amount, label, reference)
+    Bridge.Database.Query([[
+        INSERT INTO `sky_phone_bank_transactions`
+            (`owner_identifier`, `kind`, `amount`, `label`, `reference`)
+        VALUES (?, ?, ?, ?, ?)
+    ]], { identifier, kind, amount, label or "", reference or "" })
+end
+
+local function notify_changed(source)
+    TriggerClientEvent("sky_phone:banking:changed", source)
+end
+
+Bridge.Callbacks.Register("sky_phone:banking:overview", function(source)
+    local identifier, error_response = require_banking_session(source)
+    if not identifier then
+        return error_response
+    end
+    return { success = true, data = overview(source, identifier) }
+end)
+
+Bridge.Callbacks.Register("sky_phone:banking:deposit", function(source, data)
+    if not SkyPhone.AllowOperation(source, "banking_transaction", Config.Banking.ActionsPerMinute, 60) then
+        return { success = false, error = "rate_limited" }
+    end
+    local identifier, error_response = require_banking_session(source)
+    if not identifier then
+        return error_response
+    end
+    local amount = valid_amount(data and data.amount)
+    if not amount then
+        return { success = false, error = "invalid_request" }
+    end
+    if not Sky.FW.RemoveAccountMoney(source, "cash", amount) then
+        return { success = false, error = "insufficient_funds" }
+    end
+    local added = pcall(Sky.FW.AddAccountMoney, source, "bank", amount)
+    if not added then
+        Sky.FW.AddAccountMoney(source, "cash", amount)
+        return { success = false, error = "transfer_failed" }
+    end
+    record_transaction(identifier, "deposit", amount, "", "cash-deposit")
+    return { success = true, data = overview(source, identifier) }
+end)
+
+Bridge.Callbacks.Register("sky_phone:banking:withdraw", function(source, data)
+    if not SkyPhone.AllowOperation(source, "banking_transaction", Config.Banking.ActionsPerMinute, 60) then
+        return { success = false, error = "rate_limited" }
+    end
+    local identifier, error_response = require_banking_session(source)
+    if not identifier then
+        return error_response
+    end
+    local amount = valid_amount(data and data.amount)
+    if not amount then
+        return { success = false, error = "invalid_request" }
+    end
+    if not Sky.FW.RemoveAccountMoney(source, "bank", amount) then
+        return { success = false, error = "insufficient_funds" }
+    end
+    local added = pcall(Sky.FW.AddAccountMoney, source, "cash", amount)
+    if not added then
+        Sky.FW.AddAccountMoney(source, "bank", amount)
+        return { success = false, error = "transfer_failed" }
+    end
+    record_transaction(identifier, "withdrawal", amount, "", "cash-withdrawal")
+    return { success = true, data = overview(source, identifier) }
+end)
+
+Bridge.Callbacks.Register("sky_phone:banking:transfer", function(source, data)
+    if not SkyPhone.AllowOperation(source, "banking_transaction", Config.Banking.ActionsPerMinute, 60) then
+        return { success = false, error = "rate_limited" }
+    end
+    local identifier, error_response = require_banking_session(source)
+    if not identifier then
+        return error_response
+    end
+    local amount = valid_amount(data and data.amount)
+    local target_value = tonumber(data and data.target)
+    if not amount
+        or not target_value
+        or target_value ~= math.floor(target_value)
+        or target_value <= 0
+        or target_value > 65535
+    then
+        return { success = false, error = "invalid_request" }
+    end
+    local target = math.floor(target_value)
+    if target == source then
+        return { success = false, error = "self_transfer" }
+    end
+    local target_identifier = Sky.FW.GetIdentifier(target)
+    if type(target_identifier) ~= "string" or target_identifier == "" then
+        return { success = false, error = "target_not_found" }
+    end
+    if not Sky.FW.RemoveAccountMoney(source, "bank", amount) then
+        return { success = false, error = "insufficient_funds" }
+    end
+    local added = pcall(Sky.FW.AddAccountMoney, target, "bank", amount)
+    if not added then
+        Sky.FW.AddAccountMoney(source, "bank", amount)
+        return { success = false, error = "transfer_failed" }
+    end
+
+    local reference = ("phone-transfer-%s-%s"):format(os.time(), source)
+    record_transaction(identifier, "transfer_out", amount, player_name(target), reference)
+    record_transaction(target_identifier, "transfer_in", amount, player_name(source), reference)
+    notify_changed(target)
+    return { success = true, data = overview(source, identifier) }
+end)
+
+end)
diff --git a/sky_phone/source/server/db_migrate.lua b/sky_phone/source/server/db_migrate.lua
index 536fb54..f9aafb1 100644
--- a/sky_phone/source/server/db_migrate.lua
+++ b/sky_phone/source/server/db_migrate.lua
@@ -318,6 +318,24 @@ local schema = {
         },
         tableOptions = "ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci",
     },
+    {
+        name = "sky_phone_bank_transactions",
+        columns = {
+            { name = "id", type = "BIGINT UNSIGNED NOT NULL AUTO_INCREMENT" },
+            { name = "owner_identifier", type = "VARCHAR(80) NOT NULL" },
+            { name = "kind", type = "ENUM('deposit', 'withdrawal', 'transfer_in', 'transfer_out') NOT NULL" },
+            { name = "amount", type = "BIGINT UNSIGNED NOT NULL" },
+            { name = "label", type = "VARCHAR(160) NOT NULL DEFAULT ''" },
+            { name = "reference", type = "VARCHAR(96) NOT NULL DEFAULT ''", characterSet = "ascii", collation = "ascii_bin" },
+            { name = "created_at", type = "DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP" },
+        },
+        primaryKey = "id",
+        indexes = {
+            { name = "idx_sky_phone_bank_owner", columns = "(`owner_identifier`, `id`)" },
+            { name = "idx_sky_phone_bank_reference", columns = "(`reference`)" },
+        },
+        tableOptions = "ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci",
+    },
 }
 
 Bridge.Database.Migrate("sky_phone", schema)
diff --git a/sky_phone/sql/install.sql b/sky_phone/sql/install.sql
index 773ca24..f6645d6 100644
--- a/sky_phone/sql/install.sql
+++ b/sky_phone/sql/install.sql
@@ -161,3 +161,16 @@ CREATE TABLE IF NOT EXISTS `sky_phone_call_entries` (
     FOREIGN KEY (`account_id`) REFERENCES `sky_phone_accounts` (`id`) ON DELETE CASCADE,
     FOREIGN KEY (`device_imei`) REFERENCES `sky_phone_devices` (`imei`) ON DELETE CASCADE
 ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+CREATE TABLE IF NOT EXISTS `sky_phone_bank_transactions` (
+    `id` BIGINT UNSIGNED NOT NULL AUTO_INCREMENT,
+    `owner_identifier` VARCHAR(80) NOT NULL,
+    `kind` ENUM('deposit', 'withdrawal', 'transfer_in', 'transfer_out') NOT NULL,
+    `amount` BIGINT UNSIGNED NOT NULL,
+    `label` VARCHAR(160) NOT NULL DEFAULT '',
+    `reference` VARCHAR(96) CHARACTER SET ascii COLLATE ascii_bin NOT NULL DEFAULT '',
+    `created_at` DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    PRIMARY KEY (`id`),
+    KEY `idx_sky_phone_bank_owner` (`owner_identifier`, `id`),
+    KEY `idx_sky_phone_bank_reference` (`reference`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;