Old Grumpy Gamers

How to Separate Money between Characters

Learn how to separate money between characters in GTA Online with this handy workaround. With a safe spawn point and a few withdrawals, you can keep your characters' funds separate.
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Grand Theft Auto 5: How to Separate Money Between Characters in GTA Online

In this video, we’ll look at how to separate money between characters in GTA Online. Grand Theft Auto 5 and GTA Online are enormous and intricate, with hundreds of different mechanics and features. Given the game’s vast quantity of features, it can be difficult to remember everything. In this series, we’ll show you some of the most useful and lesser-known features of GTA.

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Rockstar has decided to share money across the entire account in Maze Bank. If you have a main and second character and want to use your daily objectives to bolster your bank account, this is fantastic. But what if you use both characters regularly or have a new character and want to keep their money separate? We’ll show you how to work around the Maze Bank problem.

Separating Bank Accounts in GTA Online

First, find a safe location to spawn in. One ideal spot is the LS Customs car meet, as it is a weapon-free zone. Go to your interaction menu, scroll down to the spawn point, and set it to a safe location where you own properties like a CEO’s office, garage, or an arcade. If you don’t have these, you can spawn near the casino and head inside to avoid getting attacked.

Visit the second character and check the bank account balance. We need to return to the primary character to perform the money separation. To access your main character, go to the pause menu > online > swap character, and select the main character. Spawn into a safe area, pull up the phone, and navigate to money and services. Go to Maze Bank, withdraw your money in million dollar lots, and repeat until your bank account is empty. This step can be time-consuming but necessary to complete the process.

Now we have $3.5 million in cash-on-hand and only three dollars in the bank. Swap back to the second character. The money that this character has is separate from what’s in Maze Bank, but if you want to keep the money separate at the end of the session, you will need to withdraw Maze Bank money into your current character before swapping to other characters. Depositing your cash from your character into your bank again is the opposite process of withdrawing. Navigate to the bank menu > deposit > and confirm.


It can be difficult to separate money between characters in GTA Online, but with a little workaround, it is possible to do. The process can be time-consuming, but it’s handy if you want to keep two characters’ finances in their unique accounts. If you would like us to cover specific topics or have any tips for viewers, please leave a comment down below.

Stay safe, wash your hands, and check out the next video for more GTA 5 walkthroughs and tips.

hi in this video we’ll be looking at how to separate money between characters in gta online
hi and welcome back my name is Dan and i’m an old grumpy gamer grand theft auto 5 and gta online are
insanely large and complicated with literally hundreds of different mechanics and quality of
life features given the vast quantity of things throughout the game it’s nigh impossible to find
and remember them all so in this series we’re taking you through some of the most awesome
features in gta that you probably might not know about before we dive in if you’re new to the
channel we do how-to guides news and giveaways so consider subscribing and ringing the bell to start
up today now rockstar in the infinite wisdom has decided to share money in your maze bank across
the entire account and we can have a look here by just going to the internet and you can see
up the top right there that 3.5 million is shared between the two characters now this is fantastic
if you have a main in a second and you want to use your daily objectives to bolster your bank account
but what if you use both characters a lot or you’ve got a brand new character and you want
to keep their money separate well it turns out there’s a work around to the maze bank problem
now it isn’t without risk you will be cashing out of the bank and that means that you’ll have more
than five thousand dollars cash in hand which leaves you open to muggings and potentially
losing up to ten thousand dollars per incident but we can minimize that risk pretty easily too
so let’s start by finding a safe spot to spawn in so you can see here we’re in the ls customs
karmic and that is a great spot to spawn in if you have access to it it’s because there’s no
weapons there’s uh no griefing at all this is a genuine safe space within the game if you have a
ceo’s office or you have a garage or an arcade or something for that effect then you can spawn
in there anything that you own including an apartment is a safe place to spawn in otherwise
spawning near the casino and then head inside it’s really important to have somewhere that you can
spawn in that is griefer free to set your spawn in point the first thing you need to do is go to your
interaction menu scroll down to the spawn point just under voice chat and then set it there so you
as long as it’s not last location or random you’re pretty safe so i’ve got a garage i’ve got a few
other places and really don’t like it when it does that yeah so i’ve got a garage and ceo’s
office a few other places and there’s a couple of places we can spawn in that are safe but if you’re
and said if you don’t have any of those properties then either the ls customs car meet is great or if
you can the diamond casino if you have something around there but yeah kasaka vehicle warehouse
anywhere that’s safe you just need to spawn in there very important and what we’re going to do
very very quickly is go and check on the other character to see what they have available to so
if we go online down to swap a character all right and we can see there we’ve got
jeff on the right we’re gonna use mr clean on the left
mr sharp i should say so he’s fairly low level and we can see here with mr sharp he has access
to that same money which of course we don’t want now while he’s got none of his own cash in hand
you can clearly see here he’s got access to that 3.5 million so while we can’t actually separate it
what we can do is a bit of a workaround so we’ll start off by heading back to our main character
so to do that open up the pause menu head to online and then down to swap character
it’ll prompt you to quit the session that’s okay hit okay we’ll get to the character swap screen
and you’ll see jeff on the right hand side who is the high level one and we’ve got mr sharp on the
left who was was my main character until i made jeff over here and he became my main so select the
one that you want to keep all of the money we’ll get a quick uh gesture here and then with any luck
it’ll join if the rockstar servers aren’t on fire so you can see here we’ve spawned back in at the
los santos car meet and again we’ve picked this because it is weapons free there is no way for
you to get mugged or attacked in this space it’s a literal just safe space within the community
and i’m so grateful that rockstar has thought to do this because it was desperately needed and that
is a nice looking truck so to siphon off the money what we’re going to need to do is bring it into
jeff’s pockets out of maize bank so bring up your phone go to the internet and then go to money and
services now this isn’t a quick exercise but it is very very handy so go to maze bank all the way
down the bottom main menu and then withdraw and what you can do is withdraw in million dollar lots
click yes menu withdraw million yes and keep doing that until the bank account is empty
a few moments later
one eternity later right so you can see now we have 3.5 million cash on hand at
only three dollars in the bank and that is only what’s shared there between the two guys
so we can have a look again just by tapping the d-pad you can confirm there we’ve got 3.5 million
on hand and three in in the bank and now when we swap back again so same thing
pause to online swap character and then okay
swap over to the other player or the other character i should say we’ll
get a bit of chewed but that’s all right that is to be expected
and here’s a guy he’s just spawned out no idea why he’s in the middle of nowhere but
he is so that’s okay but if we have a look at the bank balance we now have three dollars available
to us so that means the money that this guy has is just his money now at the end of our
session if you want to keep the money separate you will need to do the same thing to withdraw maize
bank money into your current character before swapping out to your other character but that
is how you essentially separate the the money now there’s no real way to to do it properly uh it is
a bit of a pain in the backside to get this done but this is about the only workaround i’ve found
in quite a number of hours and doing a fair bit of digging now if you would like to put the money
back if you would like to share the money again it is essentially the opposite process so let’s swap
back to our now very very rich character so we go to online swap character again get the prompt
swap around to the rich character and once you spawn back in we can go back to the internet
money and services all the way down to maze bank main menu deposit
and then it will allow you to deposit whatever you have cash in hand
and then confirm and you can see that’s come out of cash in hand there and that’s gone into the
bank account so now both characters have access to that again so what are your thoughts do you
have any tips for other viewers or would you like us to cover something specific leave your comment
down below and check out the video on the left for the next tip or the one on the right for some
more old grumpy game of goodness stay safe wash your hands and we’ll see you in the next video

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