One thing that Mass Effect couldn't quite settle on was how many credits Shepard deserved for doing their work. While Mass Effect 1 has a pretty balanced credit system, Mass Effect 2's is infamously bad (which is strange, considering you're working for a privately funded organization instead of the publicly-funded government…).
Get Lucky Gambling Your Money On The Citadel
There's a system of gambling available in the first Mass Effect game that can be used to farm credits. You'll want to play a game of "Quasar," located on the Citadel in the Flux Nightclub or the Silver Coast Casino. Similar to Blackjack, Quasar players are looking to get as close as possible to 20 without going over.
You'll know what to pick depending on what you have at the start of the game. If you have…
- 1, 2, 6, 7, 8, 13, 14, or 15, choose the "4-7" option
- 3. 4, 5, 9, 10, 11, 12, or 16, choose the "1-8" option
- 17, 18, 19, or 20, choose the "stay" option
You won't win every game, but you'll win more than you lose — and rake in credits while you're at it.
How To Farm Money In Mass Effect 2
Mass Effect 2 is notoriously unbalanced when it comes to credits. You'll be running low on funds a lot of the time and there aren't really any ways of farming them reliably. But, here are a couple of tips while you're playing to make sure you're raking in as much dough as possible.
Don't Waste Your Money On Probes
It's unbelievably easy to get caught up probing a planet and forget that each probe is costing you credits. The first time players run out of money is usually after mining a planet completely hollow.
This is totally unnecessary — on your wallet and on your time. Only use probes to mine planets that are labeled as "Good" or "Rich." Even then, not all "Good" planets are worth it, so proceed with caution.
Farm Money In An Unconventional Way By Going Easy On The Medi-Gel
It may have gone over your head that anytime you find medi-gel in the field but your medi-gel supply is already full, you receive 1,000 credits instead. This is a great way to earn extra cash if you're comfortable not using your medi-gel as much so that you're always picking up those credits.
To help yourself in this endeavour, you should:
- Not upgrade your medi-gel capacity (unless you're consistently dying)
- Develop your build and your squad around the assumption you won't use medi-gel
- Not revive dead squadmates in battle — they revive without using up medi-gel after all enemies have been dealt with
- Not heal yourself with medi-gel unless absolutely necessary
This trick also works in Mass Effect 3, but there are more reliable ways to farm credits in that game.
How To Farm Credits In Mass Effect 3
Mass Effect 3 has a few ways to save money throughout the game, but the biggest farming method arrived in the game's Citadel DLC.
Rack Up Money In The Armax Arsenal Arena
When you've installed the Citadel DLC for Mass Effect 3, you can find a place called the Armax Arsenal Arena in the Silversun Strip of the Citadel. This is basically a combat simulation room where you and your squad can take on unique challenges and earn points depending on how well you do.
Earning any amount of points can net you some credits, but netting at least 6,000 points will mean you can redeem them for 10,000 credits! There are no restrictions to the number of times you can repeat the simulation, so it's a simple and fun way to farm money.
Save Your Money By Avoiding The Requisition Terminal Like The Plague
Mass Effect 3 introduced a requisition terminal to the Normandy. It allows the player to purchase items from the comfort of their own spaceship. Though it's tempting to use it, players across the internet will beg you not to.
To have the luxury of getting items right on the Normandy, Shepard must pay a 10% markup compared to what they'd usually pay at a shopfront. This cut adds up quickly and you'll notice a dramatic difference in your credits total once you stop using it.
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