Credential type: course assessment · verified on the issuer's site September 20, 2026 issuer page
The DSST Money and Banking certification evaluates your knowledge of the financial system, money supply, commercial banking operations, central banking functions, monetary policy tools, and interest rates. Administered by DSST, this computer-based test consists of 100 multiple-choice questions designed to measure your mastery of economics over a period of 120 minutes with a passing score of 400.
Candidates seeking college credit for economics or finance coursework should take this exam. It is suitable for students who have studied monetary theory, commercial banking operations, and central banking functions.
Review core economic principles regarding commercial bank balance sheets, reserves, and how banks create money through loans. Study central bank mechanisms, interest rate determination, and monetary policy tools using standard economics textbooks, official outlines, and practice materials to successfully prepare for answering the 100 multiple-choice questions during the 120 minutes testing session.
Covers the structure and components of the financial system in detail, explaining precisely how financial intermediaries and markets operate within the broader economy to allocate resources efficiently between savers and borrowers.
Examines how money is measured through currency, M1, and M2 definitions, and explores historical and modern forms of money along with their core economic functions within the financial markets.
Focuses extensively on commercial banking operations, including T-account balance sheets, reserve requirements, and the specific mechanics of how commercial banks create money through the loan process to understand modern financial systems and banking structures.
Analyzes the crucial role and structure of central banking institutions, focusing heavily on how central banks execute monetary policy and regulate the banking system to maintain financial stability across the broader economic framework.
Explores monetary policy tools and strategies used by central authorities to achieve important macroeconomic goals such as sustained economic growth, low unemployment, and low inflation within the national economy and financial markets.
Focuses on the behavior and determination of interest rates, exploring how these rates directly impact borrowing, lending, and overall economic activity within the broader financial markets to prepare candidates for modern economic challenges.
Arrive at the testing center early with your required identification. Manage your time effectively across the 100 multiple-choice questions during the 120 minutes allowed for the computer-based exam.
The exam consists of a total of 100 multiple-choice questions delivered in a computer-based format. Candidates are given a duration of 120 minutes to complete all items.
The official passing score required for the DSST Money and Banking exam is set at 400. Candidates must meet or exceed this score to earn college credit.
The total duration of the exam is 120 minutes, giving test-takers adequate time to carefully answer all 100 multiple-choice questions before time expires during the testing session.
The standard exam price is 85 dollars for civilian test-takers. However, the fee is fully covered and free for eligible military candidates through applicable DANTES funding support programs.
Verified 2026-09-14
This page was built using official DSST exam guides, ACE credit recommendations, and standard open-access economics textbooks covering money and banking principles.