> ## Documentation Index
> Fetch the complete documentation index at: https://docs.awokenlabs.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank cards

> Debit cards for ATMs and card payments - virtual or physical, with PINs and limits.

Bank cards are debit cards tied to a player's account, used at **ATMs** and for card payments. Turn the whole feature off with `Config.Cards.enabled = false`. Everything here is in `config/cards.lua`.

<Warning>
  A card is a **bearer key**: whoever holds it can use it at an ATM. That's why cards are limited to **personal accounts** by default - only opt other types in if you're happy for a stolen card to reach them.
</Warning>

## Virtual or physical

Every card is virtual and works at ATMs with no inventory needed. Turn on physical cards to also give players a real `bank_card` item they can carry, drop, or hand over:

```lua config/cards.lua theme={"dark"}
inventory = {
    enabled = true,   -- set false to skip physical cards entirely
    item    = 'bank_card',
},
```

To add the item, copy the ready-made block from `install/inventories/` - see [Installation](/resources/awoken-banking/installation). Using the item near an ATM opens straight to that card's PIN.

## The settings

| Option                                      | What it does                                                                      | Default       |
| ------------------------------------------- | --------------------------------------------------------------------------------- | ------------- |
| `maxPerAccount`                             | Cards allowed per account.                                                        | `3`           |
| `issueCost`                                 | Cash to order a card (`0` = free).                                                | `50`          |
| `accountTypes`                              | Which account types can have a card.                                              | personal only |
| `pinMaxAttempts`                            | Wrong-PIN tries at an ATM before the card freezes.                                | `4`           |
| `defaultDailyLimit` / `defaultMonthlyLimit` | Starting spend caps on a new card (`0` = no limit). Players can change their own. | `0`           |
| `lifetimeDays`                              | How long a card stays valid, shown as **VALID THRU**.                             | `90`          |

## Good to know

* **PINs** are assigned automatically and can be viewed or changed at the bank.
* **Designs** - five styles ship in (obsidian, glacier, emerald, aurum, nebula), picked when a card is ordered. Nothing to set up.
* **Freezing** - a lost or stolen card can be frozen from the bank, and too many wrong PINs freezes it automatically. Unfreeze at a teller.