Managing loot is always a challenge in Borderlands, and Borderlands 4 is no exception. With billions of guns and gear pieces constantly dropping, inventory space runs out quickly. That’s where the Bank system comes in. This guide covers every confirmed Bank location in Borderlands 4, how the system works, and ways to upgrade it for long-term use.
What Is the Bank in Borderlands 4?
The Bank is your universal storage vault. Instead of clogging your backpack with weapons you’re not ready to use—or can’t bear to sell—you can deposit them in the Bank for safekeeping.
The Bank is shared across all Vault Hunters on your account. That means if you find a powerful Class Mod or weapon suited for another character, you can deposit it and pick it up later with that Vault Hunter.
All Confirmed Bank Locations
Banks are generally found in major hubs and faction towns. Here are the confirmed locations so far:
- The Launchpad (The Howl, Fadefields)
- The first Bank you’ll encounter. It becomes available after completing the main story mission Down and Outbound. Look for it near the vending machines inside the radar-dish building.
- Belton’s Bore (The Low Leys, Terminus Range)
- Another reliable hub where a Bank is available for mid-game storage needs.
- Carcadia (Ruined Sumplands, Carcadia Burn)
- A late-game region that also provides a Bank for loot management. You’ll naturally pass through this area in the main story.
- The Lockaway (Faction Town)
- Found later in the campaign. Like other faction hubs, The Lockaway has a Bank marked with the piggy bank icon.
Tip: Almost every major town or hub will eventually contain a Bank, so keep an eye out when exploring new settlements.
How the Bank Works
Interacting with a Bank lets you:
- Deposit loot safely – Store weapons, shields, Class Mods, and gear without using up backpack space.
- Withdraw items later – Retrieve stored items at any Bank across the game.
- Transfer gear between characters – Switch Vault Hunters and access the same shared Bank vault, perfect for handing down weapons or experimenting with new builds.
- Organize builds – Use Tag Groups and filters to keep gear sorted for specific loadouts.
How to Upgrade Bank Space in Borderlands 4
The Bank starts with a modest slot limit (around 25 items) but can be upgraded:
- SDU Tokens (Storage Deck Upgrades):
- Earned from story missions, side quests, and collectibles, SDU Tokens can be spent with Kairos to expand your Bank capacity.
- Expansion Cap:
- With upgrades, you can increase Bank space to over 300+ items, giving you plenty of room for legendary hoarding.
See also: Are Borderlands 4 PC Requirements Too High for Most Gamers?
In a game overflowing with loot variety, the Bank isn’t just a storage box—it’s a gear management system. It ensures you never have to drop rare items in the field, lets you test new builds without losing progress, and makes character swapping much smoother.
Whether you’re farming Legendaries, storing elemental weapons for tough bosses, or just keeping sentimental loot, knowing where the Bank is—and how to expand it—will save you countless headaches.
FAQs: Borderlands 4 Bank
Q. Can I transfer gear between characters?
Yes. The Bank is shared by all Vault Hunters on your account.
Q. Where is the first Bank?
The Launchpad in Fadefields, unlocked after the third main mission.
Q. How do I upgrade storage?
Spend SDU Tokens with Kairos to add more slots.
Q. Do all towns have Banks?
Most major hubs and faction towns do, including The Launchpad, Belton’s Bore, Carcadia, and The Lockaway.
