Starting with WrestleMania 21 in 2005, WrestleMania featured a Money in the Bank Ladder match. The goal of the match is to climb a ladder and retrieve a suitcase hanging over the ring. Inside that suitcase is a title shot that can be used for whatever title the holder of the suitcase wants whenever they want to use it for up to a year. The match became so popular that in 2010 a new Pay Per View event was created called Money in the Bank which featured a RAW and SmackDown version of the match. Unlike the WrestleMania match, the winners of these matches can only cash it in on their brand.
The Winner: Edge
Cashed In: Edge waited to use his title shot until New Year's Revolution 2006. After John Cena successfully retained the WWE Championship in an Elimination Chamber match, Edge cashed in his title shot to easily defeat the worn-out champion. Edge would lose the title back to John Cena a few weeks later at the Royal Rumble.
The Competitors: Finlay, Lashley, Matt Hardy, Ric Flair, Rob Van Dam, and Shelton Benjamin
The Winner: Rob Van Dam
Cashed In: Rob challenged John Cena to a WWE Championship match at One Night Stand 2006. That event marked the rebirth of Extreme Championship Wrestling. Rob won the title thanks to the interference of Edge and a few days later was given the ECW Championship based upon his victory. Rob held both titles for a few weeks until an incident where he was caught with marijuana in the car he was driving. Within days of the incident, Rob lost the WWE Championship to Edge in a triple-threat match that also included John Cena. The following night, he lost the ECW Championship to the Big Show.
The Winner: Mr. Kennedy
Cashed In: Edge wound up in possession of the suitcase following a match against Mr. Kennedy. Even though Edge was a RAW wrestler, he wound up cashing the title shot on SmackDown. Following a steel cage match between World Champion Undertaker and Batista that ended in a draw, Undertaker was assaulted by Mark Henry. Following the match and assault, Edge appeared and cashed in the title shot to easily beat the Dead Man.
The Winner: CM Punk
Cashed In: Following the 2008 Draft, RAW was left without a champion. World Heavyweight Champion Edge appeared on RAW to gloat about the situation and laugh that no one from RAW would ever get a title shot. Batista came out and beat up Edge. After Batista beat up Edge, CM Punk came out, cashed in the title shot, and hit the Go To Sleep to win the title.
The Winner: CM Punk
Cashed In: On two occasions, World Heavyweight Champion Edge was vulnerable and Punk tried to cash it in. However, Umaga attacked Punk before the referee could ring the bell. The third time proved to be the charm for Punk. At Extreme Rules '09 he disposed of Umaga in a Samoan Strap match. Later in the night, Jeff Hardy beat Edge in a Ladder Match to win the title. His celebration was short-lived as Punk cashed in the title shot and won the title after hitting the Go to Sleep twice.
The Competitors: Jack Swagger, Christian, Kane, Shelton Benjamin, Dolph Ziggler, Matt Hardy, Evan Bourne, Drew McIntyre, MVP, & Kofi Kingston
The Winner: Jack Swagger
Cashed In: The night after WrestleMania, Jack sneak attacked WWE Champion John Cena. He called out a referee so he could cash in the title shot. By the time the referee got to the ring, Cena had recuperated and Jack called off the match righ before it was about to start. Later in the week at SmackDown, Jack Swagger took advantage of a situation involving Chris Jericho and Edge. After Edge beat up Chris Jericho, Jack Swagger cracked Edge in the head with the briefcase and then cashed in the title shot to win the World Heavyweight Championship from Chris Jericho.
The Competitors: Big Show, Christian, Cody Rhodes, Dolph Ziggler, Drew McIntyre, Kane, Kofi Kingston, and Matt Hardy
The Winner: Kane
Cashed In: Later in this show, World Heavyweight Champion Rey Mysterio beat Jack Swagger. However, Rey went into that match with an injured ankle that was further injured by Jack Swagger before and after the bout. Kane came out and saved Rey from Swagger's beating. After chasing Swagger to the back, Kane came back a few moments later and cashed in the title shot. Kane easily won the title with a choke slam and tombstone.
The Competitors: Chris Jericho, Edge, Evan Bourne, John Morrison, Mark Henry, Randy Orton, Ted DiBiase, and The Miz
The Winner: The Miz
Cashed In: The Miz used cashed in his title shot during the 11/22/10 etion of Monday Night RAW. Prior to Randy Orton's WWE Championship defense against Wade Barrett, the Nexus atacked Randy and injured his knee. Following Randy's victory over Wade Barrett, The Miz cashed in his title shot. He spent match working over Randy's knee and was able to reverse the RKO into the Skull Crushing Finale to win the title.
The Competitors: Cody Rhodes, Daniel Bryan, Heath Slater, Justin Gabriel, Kane, Sheamus, Sin Cara, and Wade Barrett
The Winner: Daniel Bryan
Cashed In: Daniel Bryan originally thought he cashed it in during a November edition of SmackDown when he pinned Mark Henry. However, Teddy Long ruled that Mark Henry was not medically cleared to wrestle and then returned the case to Daniel Bryan. At TLC in December, Mark Henry won the World Heavyweight Championship from Mark Henry. Instead of celebrating, he was given a DDT on a few chairs by the former champion. Daniel Bryan cashed in the title shot and easily pinned the Big Show to win the title.
The Competitors: Alberto Del Rio, Alex Riley, Evan Bourne, Jack Swagger, Kofi Kingston, R-Truth, Rey Mysterio, and The Miz
The Winner: Alberto Del Rio
Cashed In: At Vince McMahon's urging, Alberto originally tried to cash it in at this event following CM Punk's victory over John Cena. However, Punk kicked him in the head a few times and then fled the ring before the referee called for the bell to start the match. Since the match didn't start, Alberto still had the title shot at his disposal. The following month at SummerSlam, WWE Champion CM Punk beat WWE Champion John Cena to unify the title. Following the bout, Kevin Nash attacked CM Punk. Alberto Del Rio then cashed in the title shot and easily won the title with a kick to Punk's head.