The merchant with the most money in Oblivion (specifically in Oblivion Remastered) is Nilphas Omellian, located in the Merchants Inn in the Imperial City Market District. He has a base gold amount of 2000, which can be increased to a maximum of 3000 with investments and Mercantile skill perks. Nilphas buys all item types and offers good deals due to his moderate Mercantile skill. Another top merchant is Rowley Eardwulf at the Wawnet Inn west of the Imperial City, who also holds up to 3000 gold under similar conditions but has a slightly higher Mercantile skill, making Nilphas typically better for getting more gold when selling items. For players who have the Thieves Guild DLC and reach Master Thief rank, the fence Fathis Ules has up to 1500 gold but with a master-level Mercantile skill, resulting in less favorable selling prices. If DLCs like Fighter’s Stronghold or Vile Lair are installed, these merchants (Nilphas Omellian and Rowley Eardwulf) are the richest with the most gold. Without DLC, other merchants like Varel Morvayn in Anvil have less gold but can be good for lower Mercantile level characters. In summary:
- Top richest merchants are Nilphas Omellian and Rowley Eardwulf with up to 3000 gold (with investments and perks).
- Fathis Ules is the richest fence with 1500 gold but less favorable pricing.
- DLC content adds the richest merchants.
This applies to Oblivion Remastered and assumes relevant DLCs are installed and Mercantile skill investments are made.