The online banking simulator.
Run a bank from nothing to global.
Take a one-branch savings bank in a Danish harbour town and build it into a global giant. Set interest rates, manage capital and liquidity, survive recessions and bank runs, buy your rivals, and answer to the regulator and the board. The deepest, most realistic banking simulation game you can play in a browser.
▶ Play the banking simulator 📖 How to play
The most realistic banking simulator on the web
Most “bank” games are clickers. SejrBank models how a real bank actually lives and dies — capital, credit, liquidity and funding — so every decision has genuine consequences.
Gather deposits, make loans, hold capital. Watch your solvency, liquidity and net interest margin like a real bank CEO.
Grow from a single branch to a national, then international, then global banking group across six markets.
Boom, peak, recession, recovery. Credit losses spike, rivals fail — the winners keep dry powder for the bottom.
A living M&A market: acquire competitors, fend off hostile bids, and consolidate the sector — or get bought yourself.
Stay above capital minimums or get seized. Hit your returns or the board replaces you. Real pressure, real stakes.
An in-game mentor and academy teach real fundamentals — CET1, NIM, duration risk, credit cycles — as you play.
95
Setup will install the following career…
From the vault to the world stage
Every great bank started small. In SejrBank you live the whole arc — from personally approving a fisherman’s loan to allocating capital across a global group through your executive team.
Stage 1 — Local savings bank
One branch. You do everything yourself — every loan crosses your desk.
Stage 2 — Regional & national
Licenses, branches, departments, your first acquisitions.
Stage 3 — International group
Delegate to a C-suite, expand across borders, ride the cycle.
Stage 4 — Global titan
Become “too big to fail” — a Global Systemically Important Bank.
Every bank system on one retro desktop
SejrBank puts you at the CEO’s desktop, where each “program” is a real core-banking system — the general ledger, the loan desk, the treasury, the M&A desk, your executive office. Here’s the actual game.
| Product | Balance | Your rate | Market |
|---|---|---|---|
| Mortgages FIXED | 22,0mia | − 3,55% + | 3,49% |
| SME Lending | 9,0mia | − 6,10% + | 5,95% |
| Commercial R.E. | 6,0mia | − 5,40% + | 5,20% |
| Corporate | 5,0mia | − 4,80% + | 4,60% |
| Bank | Assets | |
|---|---|---|
| #1 | Meridian Global Bank | 5,60bio |
| #2 | Tozai Ginko | 3,90bio |
| #3 | Pacific Merchants | 3,10bio |
| #11 | SEJR Sparekasse ← YOU | 63,4mia |
| Bank | Assets | Est. price |
|---|---|---|
| Limfjordens Sparekasse 🔥 FAILING −45% | 2,8mia | 115m |
| Aarhus Handelsbank | 8,4mia | 720m |
08:00 · Group Executive Committee: allocate capital, not compliments.
10:30 · Video townhall with the Stockholm office. 4.000 faces.
14:00 · Succession review — the board asks who replaces YOU.
| 📝 Chief Credit Officer | Bodil Krarup · A |
| 🧮 Group CFO | Anette Skov-Larsen · A |
| 📈 Group Treasurer | Jørgen Wested · B+ |
A banking course disguised as a game
Play long enough and you’ll reason about a bank the way real executives do. Players tell us it taught them more about banking than any textbook — because here, the lessons cost you.
Why banks die of thin capital, not low profit — and how to keep the fortress standing.
Deposits, covered bonds, wholesale funding, and why banks fail on a Friday, not a decade.
How the loans you write at the top of the cycle become the losses at the bottom.
Duration, the back book, and the mistake that sank real banks in 2023.
Banking simulator questions, answered
What is a banking simulator?
A banking simulator is a game where you run a bank — gathering deposits, making loans, managing capital and liquidity, and steering the balance sheet through economic cycles. SejrBank is a deep, realistic banking simulator you play right in your browser.
Is SejrBank free to play?
SejrBank runs in your browser with no download. Access is invite-only during launch, with full public access via a one-time entry fee.
Do I need a finance background?
Not at all. SejrBank teaches genuine banking fundamentals as you play — capital ratios, net interest margin, credit risk, liquidity and more — with an in-game mentor and academy that explain each concept the moment it matters.
How realistic is the simulation?
Very. The engine enforces a real accounting identity and models Basel-style capital rules, credit cycles, interest-rate and liquidity risk, covered-bond funding, M&A, the regulator and shareholder pressure — the same forces that make and break real banks.
Can I resume my game later?
Yes. Your banking career saves to your account automatically, so you can pick up on any device, right where you left off.
Can you build a bank that rules the world?
From one branch in a harbour town to a global banking titan. The most realistic banking simulator on the web is one click away.
Best experienced at 1024×768 or better. No banks were harmed in the making of this simulator.