We usually think of currency notes and coins as money. Bank deposits, CDs are an extended version. Credit card, cheques, demand drafts, money orders, travelers checks are all used in lieu of money and can be considered types of money. In addition, there are other financial instruments that represent money or monetary value in various ways, such as bills of exchange, stock certificates, bonds, derivatives, even some life insurance policies and many new creations such as mortgage backed securities Hire purchase and every type of credit including mortgage creates money. Local or complementary currencies are another category. Look for a complete comprehensive list of all the types of financial instruments that have been created and have been or are in use.