Once you have quantities of gold it becomes much less of a hassle. I bank amounts over 100K and leave pocket change behind on each character.

I've never had a problem with this on PC and without any addons. I just keep small change (typically 5,000 or so) on each character and bank the rest. I can then withdraw a large sum if I need it and don't even need to go to the bank but can just instantly summon the banker for it.

Is the OP on PC or console, is it different on console, and what exactly are all the deposits, withdrawals or character swaps that are causing frustration? Does the OP have a banker?

If it's a case of transferring gold from a writ character to a main character then use the banker and just deposit it (if you need to) when next logging out the writ character and withdraw it (if you need to) when next logging in the main character. It's as simple as that. Is there some kind of OCD at play here? If not, I don't see where the problem is coming from. The OP asks for gold management to be account-wide which it already is subject only to minimal banking deposits and withdrawals if and as required.

All currency should be like Archival Fortunes or the new Imperial Fragments. When interacting with the vendor there is no hassle of withdrawing or depositing. When looting a coffer there is no need to summon a banker afterwards, unless you got something extra.

The only exception of course would be the unique Tel Var currency, but it has a risk/reward system built into it which makes having it be a character currency worthwhile.

If you haven’t thought about it, having a personal banker would help the process be easier because you wouldn’t have to run to the bank with each character to do the depositing/withdrawing.

Also, and this is pretty much off topic, on PC there is a wonderful addon called Net Worth that can tell you how much wealth you have across all your characters based on their gold and inventories. I believe for the inventory part to work, you have to be using something like TTC that tells you the current market value of items in your inventories. Once you load up every character and open all your storage chests that you may have, you can type /networth and it gives you a window showing your total worth broken down in various ways. 💰

Edited to add: I believe that if you don’t use TTC, it looks at the value of each item if you were to sell it to an NPC vendor.

Cooperharley wrote: »

Yea it'd be nice.

I think several replies here are missing the point. Yes, you can already deposit and withdraw. It's not hard, but it'd be a minor positive change. Wouldn't hurt IMO.

It wouldn't as long as it was optional, and that's more of a problem these days as ZOS tend to enforce changes rather than giving them a toggle. There are bound to be some players who for whatever reason prefer to keep their characters self-sufficient and keep track of who does/earns what.

The only point I'm missing is why the OP has a need to be "constantly logging in and out to transfer gold between characters".

I am on PC, and I have a banking assistant. Thing is, managing gold with 20 characters is just uncomfortable.

I let all my characters keep their earned gold, mostly from daily crafting writs, I only restock my stores and empty mails on one character, every time she hits five million I bank it.

All my characters on my main account have over a million, second and third accounts I do the same but tbh one of those accounts I only do one set of crafting dailies outside of Anniversary Event.

I have a banker on two accounts so it's really a non issue for me.

Here are the issues:

The max gold one can hold is 2.1 billion, which i believe is about as high as you can go in eso. Which is also the max that one can store in your bank and guild banks. Yes this is a problem only for gms and the wealthy of eso but it is and issue. Some people would have gold go missing.

The next difference between gold and All other currencies is that its not account bound. You can trade it you can interact with it. Etc.

As mentioned above, justice system interactions.

Next, its pretty easy to obtain gold. Mobs, quests, other players, etc. You often have more than you actually need at any given moment, and those where you do need it you are often close to a bank.

In instances where you arnt close to abank and you need many millions of it, you either can make it to a bank, have the bank come to you (assistant), or another option.

Basically, unless you are really really wealthy or really really poor gold management isn't really a thing unless you make it that way intentionally.

valenwood_vegan wrote: »

I don't *want* instant accountwide access to all of my gold at any given moment. Way too easy to lag or misclick or mistype or misread or who knows, and lose a bunch of gold.

I mean accountwide gold access would be fine, but only if there's also a safe place to deposit it. I never keep significant amounts of gold on my characters, and only withdraw such amounts temporarily for a specific purpose.

I think what OP means is that the gold you hold on your character is account wide across all your characters, you would still have a bank it’s just that you wouldn’t have to deposite money just to swap character. Instead you could just swap and continue playing without needing to run to a town or spend irl money for a banker

could be worse... ffxiv you can't send yourself gold. you either have to send it through a guild bank or have another player trade it over to you

cuddles_with_wroble wrote: »

valenwood_vegan wrote: »

I don't *want* instant accountwide access to all of my gold at any given moment. Way too easy to lag or misclick or mistype or misread or who knows, and lose a bunch of gold.

I mean accountwide gold access would be fine, but only if there's also a safe place to deposit it. I never keep significant amounts of gold on my characters, and only withdraw such amounts temporarily for a specific purpose.

I think what OP means is that the gold you hold on your character is account wide across all your characters, you would still have a bank it’s just that you wouldn’t have to deposite money just to swap character. Instead you could just swap and continue playing without needing to run to a town or spend irl money for a banker

That could be what they meant, and yeah that wouldn't really bother me. I just wanted to be entirely clear with my (and some others') concern, in case zos reads this... as they have a history of seeing "players want X" and implementing it in entirely the wrong way :P

sarahthes wrote: »

Once you have quantities of gold it becomes much less of a hassle. I bank amounts over 100K and leave pocket change behind on each character.

This exactly. I don't bank w/my crafters most days, just logging in long enough to do the daily writs. When I do bank with them, e.g. I get a high-reward gold writ or the inventory is full, I deposit gold in 100k chunks, keeping everything less than that as pocket change. When an character needs gold from the bank, I withdraw it in 100k chunks, so however much I have in the bank always ends in at least 5 zeros.

I would love accountwide currencies. I've used them in other MMOs and it's a minor convenience. I've never had a situation where I've been saved from a mistake because my character has only a little gold compared to what's in my bank. I think that's a completely unfounded worry.

It would suck for people with the high bounty situation, but that's sort of their problem and choice lol. If anything, they should do a one-time reset for everyone's bounty if they roll out a quality-of-life currency streamlining like this.

tsaescishoeshiner wrote: »

I would love accountwide currencies. I've used them in other MMOs and it's a minor convenience. I've never had a situation where I've been saved from a mistake because my character has only a little gold compared to what's in my bank. I think that's a completely unfounded worry.

It would suck for people with the high bounty situation, but that's sort of their problem and choice lol. If anything, they should do a one-time reset for everyone's bounty if they roll out a quality-of-life currency streamlining like this.

I have to disagree with this. I do some thieving for endeavors and stuff but my main goal is housing. I never get caught but losing everything I got from legitimately farming and selling furnishing plans would be entirely unfair.

tsaescishoeshiner wrote: »

I would love accountwide currencies. I've used them in other MMOs and it's a minor convenience. I've never had a situation where I've been saved from a mistake because my character has only a little gold compared to what's in my bank. I think that's a completely unfounded worry.

It would suck for people with the high bounty situation, but that's sort of their problem and choice lol. If anything, they should do a one-time reset for everyone's bounty if they roll out a quality-of-life currency streamlining like this.

In All fairness, when you say its a persons worry, problem and choice to deal with a large bounty. Well the same argument can be made to players that don't want to buy a banker, or dont have enough gold in their bank. Its their problem. One persons convenience in this case is another persons inconvenience

just trying to point out the fallacy in the logic there. As to real issues about others see my post above where i go into detail.

but to sum it real quick, gold movement is only a real issue for those with too little or too much gold.