As a
live service game, The Finals receives new game modes and revisions to existing ones regularly. Game modes are divided into casual ("Quick Cash") and competitive modes.
Cashout In Cashout, four teams each with three players compete against one another to earn as much money as possible. The primary source of money are "Cashboxes", that must be unlocked from a vault and transported to a "Cashout Station". After bringing a cash box to a station, the team that deposits it instantly earns 20% of its value, then must hold control of the station until the cashout timer expires to receive the remaining 80%. Other teams can "steal" a cashout in progress with 7 seconds of continuous interaction, claiming ownership of the station and its remaining potential payout. Two cash boxes or activated cashouts will almost always be in play at a given time, and a new vault spawns every time a team completes a cashout. Each vault that appears on the map is more valuable than the last, ranging anywhere from $10,000 to $22,000, enabling teams at the bottom of the scoreboard to overtake first place if they claim enough money at the very end of a round. Multiple vaults can be brought to a single cashout station, combining their payouts under one timer. Aspects of Cashout take inspiration from traditional
capture the flag and
king of the hill game types, requiring teams to obtain, hold and then defend different objectives to complete the main objective.
World Tour Debuted on June 13, 2024, with Season 3, World Tour is a competitive mode consisting of weekly rotating Cashout Tournaments with occasionally changing variations of the standard ranked rules. Players are ranked on a leaderboard based on their cash earned, while Win Points given based on tournament placement are used to progress a special World Tour badge and gain additional rewards at the end of the season. Unlike ranked mode, players cannot lose win points or cash. While World Tour features the same format as Ranked Tournaments, including four teams of three in each round, the rules are slightly more relaxed, allowing for temporary in-game events like Mega Damage and Low Gravity, and letting players swap items from their reserve loadout between respawns. At the end of the first two rounds, the two teams among the four with the lowest cash will be eliminated from the match. At the end of the final (third) round, the first team that obtains $50,000 cash out will become the winner. A different amount of win points will be granted after each match ends based on when they are eliminated from the match and whether they have a win in the final round. Contestants eliminated from the first round will get two win points, and six win points for the second round. A total of 14 win points will be earned for losing the final (third) round, and 25 points if one has won it and becomes the tournament winner.
Ranked Tournament Ranked Tournament is a competitive mode following standard Cashout rules, except that players cannot change their loadouts after death, and may only access their reserved items between rounds. As players participate in tournaments, they increase their ranking through various leagues, ranging from Bronze to Diamond. The five-hundred highest-ranked players at the end of the season are given a special "Ruby" rank, additionally, they are given a "Ruby Coin", which can be used to choose a ruby weapon skin for their desired weapon. Players earn or lose rank points depending on the combined skill of the enemy teams, the
expected outcome of the match as a result, and the team's final placement when they are eliminated or win. The Finals initially featured both Ranked and Unranked Tournaments, but the Unranked variation was removed in Season 2.
Solo Bank It (Temporary Gamemode) Bank It also had a temporary "solo" gamemode, where twelve players compete individually in a free-for-all format rather than in teams.
Power Shift Added in Season 2, the Power Shift mode is a 5v5 ‘King of the Hill’ style mode where teams fight for control of a floating platform that continuously moves throughout the map, with both teams attempting to push the platform in opposite directions. The platform follows a set path around the arena and will destroy any terrain in its way. The game will end when one team moves the platform towards their designated goal. If time runs out while the losing team has control, overtime is incurred where the leading team must gain control of the platform before the losing team can take the lead. Like other quick-play game modes, Power Shift allows players to change not only their loadout, but also their contestants throughout the match, and have full access to all weapons, specializations and gadgets. Loadout changes will take effect whenever a contestant respawns, but not when they are revived.
Terminal Attack (Removed Indefinitely) Terminal Attack was initially a limited-time event game mode launched on May 2, 2024. This game mode was set to end on May 22, 2024. In Terminal Attack, ten players are divided into two groups of five – Attackers and Defenders. Attackers have limited time to breach insert a Decryption Key into one of two Terminals available in the arena. Meanwhile, Defenders must strategize and coordinate their defense to stop the Attackers from achieving their objective. The teams switch sides after three rounds in a
best-of-7 format. In this game mode, players cannot respawn or heal themselves, and Medium characters are unable to use their Healing Beam or Defibrillator, meaning each contestant has just one life per round, only able to regenerate a small portion of their health while out of combat. Additionally, items such as grenades or traps have limited charges and are only renewed at the start of each round. The damage dealt to the arena is persistent until teams switch sides. Terminal Attack is similar to the default modes in
Valorant and
Counter-Strike. On May 22, 2024, Embark announced that Terminal Attack will become a permanent game mode due to greater than expected popularity. On June 7, 2024, it was announced that in Season 3 of The Finals, Terminal Attack would replace Cashout Tournament as the main ranked mode. According to Embark, this was to give the developers time to balance Cashout without affecting the leaderboards. As of September 26, 2024, partially due to heated backlash from the
fanbase, Cashout Tournament was reinstated as the main ranked gamemode, with Terminal Attack being relegated to a quick-play gamemode. As of Season 8's start on September 10, 2025, Terminal Attack has been removed from the game, and is replaced with Head-2-Head.
Team Deathmatch Team Deathmatch debuted towards the end of Season 5, being a temporary gamemode brought into the game by the in-universe hacker group known as "CNS". Two teams of 5 fight in a best-of-3 format. In each round, teams must earn $3000 (30 eliminations, $100 per elimination) to win the round, and be the first team to win two rounds. The gamemode returned at the beginning of Season 6 as a permanent quick play gamemode to huge positive reception by fans, mimicking the previous love of the mode during its temporary addition. Some players criticize the mode for not being directly objective, but rather elimination based, yet most find the gamemode positive for the game.
Head-2-Head Head-2-Head was a limited-time event game mode added on August 14, 2025, and lasted until September 10, 2025. The gamemode follows Tournament Cashout rules, specifically the final round of a Cashout Tournament, where two teams of three fight to earn two cashouts. Unlike the tournament modes, as a casual mode, respawn tokens are provided in unlimited quantity. During its original run, it also featured an exclusive game show event where a
kaiju-style monster throws debris around the arena, destroying terrain over time. Since season 8, Head-2-Head is a permanent new addition, replacing Terminal Attack.
Point Break Point Break, added in Season 9, follows a Attack/Defend format, having two teams of eight fight against each other. Attackers are meant to activate nine Grand Vaults, that appear in waves of three at a time, with new Grand Vaults spawning after the previous three have been destroyed, while Defenders must either prevent or deactivate them. Defenders have an infinite amount of Respawn Credits, while Attackers share a pool of them. However, Attackers can gain more Credits upon successfully destroying a Grand Vault. ==Event game modes==