The Looty Bay Bank vault has two locks. An exotic ID Card opens the gold vault, and a legendary Drill breaks the vault door. No shop sells either one, so you barter both from Lenny or the Suspicious Door at Lenny’s Motel. If you also want the bank’s 3 safes, bring a Mini Drill.
Preparation takes far longer than the robbery itself. Most of your ROB RUN Money goes into unlocking and filling the tools these barters need, long before you put on a mask.
The loot only becomes yours once you cross the edge of Looty Bay. The whole city is told the moment your Drill goes down, so plan the exit before you start drilling.
Heist Tools and Where They Come From
Each row is one tool you carry into the bank.
| Tool | What it opens | How you get it |
| ID Card (exotic) | The gold vault | Barter 1 full Deposit Box Keys |
| Drill (legendary, 3×2 cells) | The vault door | Barter 1 full epic Action Camera, 2 full USB Hacking Tools and $50,000 cash |
| Mini Drill (epic, 2×2 cells) | The 3 bank safes | Black Market after a Shipments unlock, or the Season 1 battle pass |
The Mini Drill, Action Camera and USB Hacking Tool unlocks need your base in a level 2 settlement or higher. Deposit Box Keys need level 3.
Mini Drill
Unlock the Lockpick in Shipments for $5,000 first. The Mini Drill unlock then costs $100,000, and each Mini Drill costs $18,000 on the Black Market after that. You can also claim one for free on page 2 or page 3 of the Season 1 battle pass, Pure Chemistry.
Action Camera for the Drill
The Drill takes the epic Action Camera, not the uncommon one. Unlock it in Shipments for $35,000 and buy it on the Black Market for $30,000. The city electronics seller also stocks it, but at three times that price. Page 1 of the Season 1 battle pass gives one for free.
Keep the camera in your inventory and commit crimes at Notoriety Level 3 until it reaches 70 points. Containers you open count toward it:
- 1 point for each cabinet, drawer, deposit box or ordinary safe
- 5 points for a safe you drill open
- 10 points for each safe inside the Looty Bay Bank
Duo mode starts you at Notoriety Level 2, and solo mode starts you at Level 4.
Two USB Hacking Tools for the Drill
Unlock the USB Hacking Tool in Shipments for $50,000, then buy it on the Black Market for $50,000. Carry it while you hack Secured Computers in locked rooms. Each hack takes 3 seconds and adds 1 or 2 points, and the tool is full at 5 points.
Five buildings give 2 points per hack: the Art Gallery, the Grand Hotel, the Police Station, the Strip Club and the west Cottage. Every other Secured Computer gives 1 point. Two 2-point hacks plus one 1-point hack fill a tool in three stops.
Deposit Box Keys for the ID Card
Deposit Box Keys sit at the end of the Shipments chain, after the Action Camera, Code Tablet and USB Hacking Tool. With your base in a level 3 settlement, you can unlock them for $100,000. Each set then costs another $100,000.
Carry the keys while you crack the bank’s 12 deposit boxes. Every box adds 1 point toward 60, so a set fills after five full clears.
Final Preparation Before You Put On the Mask
- Open a bank account first. The bank employee will not serve you while you wear a mask. The account costs $5,000, and police bribes come out of it, in steps of 10,000 credits up to 200,000.
- Empty your bag. Each Gold Bar takes 2×1 cells and stacks to 5, and the Drill alone fills 3×2.
- Park a getaway car near the bank. A car carries what will not fit in your bag. A Lockpick can open another player’s trunk, so a parked car full of loot is a target.
- Know two ways out of the city. Police can block the bridges for a while. The Convenience Store in the business district stands next to one of them.
- Bring a Police Radio if you have one. It shows the nearest police vehicles on your map. The Black Market sells it for $10,000 after a $25,000 shipment, which needs 60 years of jail time and a level II district.
Vault Loot: What the Looty Bay Bank Holds
Read each row for how many spots there are and what opens them.
| Spot | Count | Opens with | What you get |
| Gold Bar stacks | 7 | ID Card and Drill | Gold Bars, about $52,000 each |
| Cash stacks | 6 | ID Card and Drill | $10,000 each |
| Safes | 3 | Mini Drill, 120 seconds | 10 Action Camera points each |
| Deposit boxes | 12 | By hand, 1.5 seconds | 1 Deposit Box Keys point each |
The bank also has 5 Bank Money Bag spots, and a Ruby in Case can drop there. A ruby sells for about $20,000 and takes a single cell. Bank safes take twice as long as the 60-second safes in hotels and shops.
The Fence pays 40% of an item’s base value. A Gold Bar has a $130,000 base value, and higher Notoriety raises the sale price:
- Level 1: $52,000
- Level 2 (+10%): $57,200
- Level 3 (+20%): $62,400
- Level 4 (+35%): $70,200
- Level 5 (+50%): $78,000
Count what the tools would sell for before you trade them. A full Action Camera sells for about $100,000, and each full USB Hacking Tool sells for about $200,000. Add the $50,000 barter fee and the full Deposit Box Keys at about $20,000, and the job costs $570,000 in value. After the $60,000 in vault cash, you need 10 Gold Bars at Level 1 to break even, or 7 at Level 5.
Running the Bank Robbery
The building has 4 surveillance cameras, and cameras trigger the alarm. Workers who see a Criminal try to call the police. Aim at them to stop the call. If you kill a Civilian, you add a wanted point, and at 3 points you become Most Wanted, with your location shown to everyone in the city.
1. Put on the mask somewhere hidden. This makes you a Criminal.
- 2. Break the cameras, or breach the electrical panel where a building has one to cut cameras and alarm together.
- 3. Use the ID Card and set the Drill on the vault.
- 4. Set the Mini Drill on a safe while the vault drill runs.
- 5. Guard both drills until they finish.
- 6. Load the Gold Bars first, then the cash stacks.
- 7. Head for the city edge.
While the Drill works, the city sees “Bank Vault is being cracked”, and then “Bank Vault has been cracked” when it is done. A placed Drill or Mini Drill can be confiscated, so in a crew one player sets the drills and loads bags while the others hold the entrances. Police and other Criminals both get the alert, so expect both to show up.
Escape Tips for Getting Out of Looty Bay
There are no police outside Looty Bay. Criminal mode switches off once you cross the city border, and that is the moment the haul becomes yours.
- Lose cars in corners. A basic car will get caught on a straight. Police have to brake and steer hard in turns, so you gain ground while they speed up again. They can also ram you to slow you down.
- Keep your weapon away while carrying cargo. Cargo goes in the trunk, and drawing a weapon makes you drop it.
- Stay in your car. If you switch vehicles, everything in the old trunk drops on the ground.
- Hide to wait out a patrol. Bushes, cabinets and dumpsters hide you, and your nickname disappears too. Large public parking lots are another good spot when someone is following you.
- Do not log out mid-chase. A timer starts when you quit, and your character stays vulnerable until it runs out.
- Treat settlements as hostile. Police do not patrol them, but other players can kill you there, and death costs you both your equipment and your bag.
What You Lose If the Escape Fails
- If you surrender or are arrested, the police take your bag and you keep your equipped gear. Other Criminals can try to free you.
- If a bribe is accepted, you keep everything and pay the bribe from your bank account.
- If you die as a Criminal, you lose your entire inventory.
When a fight is clearly lost, surrendering keeps your gear and only costs the bag.
Selling and Banking the Haul
Sell the Gold Bars and the Ruby to the Fence. Raise your Notoriety before a big sale if you can, because each level adds to the price.
Vault cash, Fence payouts and cheap ROB RUN Cash all stay dirty until you launder them, and other players can steal dirty cash. Rent a plot with a Land Plot Title, put the cash on the Laundering Desk, and press Transfer to My Account each time you come home. Cash still sitting on the desk can be taken in a base raid.
When you need cash again, withdraw it at an ATM or a bank employee. It comes back out as dirty cash, so take only what the next trip needs.