diff --git a/code/game/machinery/bank_machine.dm b/code/game/machinery/bank_machine.dm
index 2c6f88fde4e..313ce43fe50 100644
--- a/code/game/machinery/bank_machine.dm
+++ b/code/game/machinery/bank_machine.dm
@@ -131,8 +131,9 @@
 /obj/machinery/computer/bank_machine/proc/end_siphon()
 	siphoning = FALSE
 	unauthorized = FALSE
-	if(syphoning_credits > 0)
-		new /obj/item/holochip(drop_location(), syphoning_credits) //get the loot
+	var/atom/droploc = drop_location()
+	for(var/cash_typepath in credits_to_spacecash(syphoning_credits))
+		new cash_typepath(droploc)
 	syphoning_credits = 0
 
 /obj/machinery/computer/bank_machine/proc/start_siphon(mob/living/carbon/user)
diff --git a/code/game/objects/items/stacks/cash.dm b/code/game/objects/items/stacks/cash.dm
index 35bb72d0a67..45e914d2127 100644
--- a/code/game/objects/items/stacks/cash.dm
+++ b/code/game/objects/items/stacks/cash.dm
@@ -50,6 +50,48 @@
 		if(25 to INFINITY)
 			icon_state = "[initial(icon_state)]_4"
 
+/**
+ * Takes an amount of credit and returns a list of space cash typepaths that are equivalent to that amount.
+ * For example, if you passed 450 credits, it would return a list with a c200, another c200, and a c50 space cash stack typepath.
+ * You can then use the list to new() all the types provided if you wanted to give a player that amount in space cash.
+ *
+ * * amount - the amount of credits to convert to space cash.
+ * If you provide a decimal, rounds down to the nearest whole number.
+ */
+/proc/credits_to_spacecash(amount)
+	amount = floor(amount)
+	// ordered by value so we can always provide the highest denominations possible
+	var/list/spacecash_types_by_value = list(
+		/obj/item/stack/spacecash/c10000,
+		/obj/item/stack/spacecash/c1000,
+		/obj/item/stack/spacecash/c500,
+		/obj/item/stack/spacecash/c200,
+		/obj/item/stack/spacecash/c100,
+		/obj/item/stack/spacecash/c50,
+		/obj/item/stack/spacecash/c20,
+		/obj/item/stack/spacecash/c10,
+		/obj/item/stack/spacecash/c1,
+	)
+	var/list/spacecash_list = list()
+	while(amount > 0)
+		var/obj/item/stack/spacecash/found_cashtype
+		for(var/obj/item/stack/spacecash/cashtype as anything in spacecash_types_by_value)
+			if(cashtype::value <= amount)
+				found_cashtype = cashtype
+				break
+
+		if(!found_cashtype)
+			stack_trace("credits_to_spacecash failed to find a cashtype for amount: [amount]")
+			break
+
+		spacecash_list += found_cashtype
+		amount -= found_cashtype::value
+
+	if(amount > 0)
+		stack_trace("credits_to_spacecash failed to convert [amount] credits into space cash. Remaining amount: [amount]")
+
+	return spacecash_list
+
 /obj/item/stack/spacecash/c1
 	icon_state = "spacecash1"
 	singular_name = "one credit bill"