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Can You Rob a Bank in inZOI?

Updated

Can You Rob a Bank in inZOI?

Given the depth of simulation and the inclusion of criminal careers and karma systems in inZOI, players might wonder if traditional heist activities like bank robbery are possible. Here's what we know about robbing banks and related financial crimes in the game.

There's a proper crime system now

Since the December 2025 update, inZOI has a full crime and trials system — a Crime skill, thief and scammer interactions, wanted status, arrest, bail, lawyers, and court. Bank robbery still isn't part of it, but breaking into properties and cracking safes is, and it's a far better route than the hacking described below.

Does inZOI Have Physical Bank Robbery?​

There is still no mechanic for physically robbing a bank in the traditional sense — walking in, demanding money, escaping. While cities like Dowon and Bliss Bay have bank buildings (Narae Bank, Southwest Bank), interactions there are limited to standard financial services like opening accounts, making deposits, or getting loans.

What you can do since December 2025 is burgle other properties: "Pick Door Lock", "Break Down Door", "Open Safe", and "Sabotage Surveillance Camera", with success driven by Handiwork, Programming, and Fitness. Some properties have cameras and alarms. Full detail on the crime and trials page.

Criminal careers like Gangster or Street Soldier also exist, but their tasks focus on turf wars, shakedowns, and managing illicit operations rather than heists.

How to Hack a Bank via Computer in inZOI (High Skill Required)​

You can, however, attempt to steal money from banks virtually through hacking:

  • Method: Using a Computer.
  • Requirement: Requires Programming Skill Level 10. This is a high-level skill, making this a late-game criminal activity.
  • Action: Interact with a computer, select "Skill Action," then choose "Hack into Bank".
  • Process: Your Zoi will perform the hacking action. Afterwards, a pop-up event will appear, forcing you to decide whether to Continue the hack or Abort.
  • Outcomes:
    • Success (Continue): You successfully steal 1,000 Meow.
    • Failure (Continue): You fail the hack and receive a fine, losing Meow (e.g., 500 Meow).
    • Abort: You stop the hack attempt with no gain or loss.
  • Cooldown: This action can only be attempted once every 3 in-game days.

How to do ATM Hacking in inZOI (High Risk, Low Reward)​

Another related criminal activity is hacking ATMs found throughout the city.

  • Method: Interacting directly with an ATM machine.
  • Requirements:
    • Programming Skill: Some level is likely required, though the exact level isn't specified.
    • (This interaction used to be locked behind Bad or Terrible Karma. Karma scores were removed in October 2025, so that gate no longer exists.)
  • Risks: ATM hacking is extremely risky!
    • Electrocution: There's a random chance of fatal electrocution upon failure. Save your game before attempting!
    • Arrest & Jail Time: Failing the hack (even if not electrocuted) can lead to being arrested by police and potentially sent to jail — and since December 2025, potentially standing trial.
  • Reward: If successful, you only gain 250 Meow.

Conclusion: Is Robbing Banks Worth It?​

  • Physical Robbery: Not possible currently.
  • Bank Hacking (Computer): Requires maximum Programming skill, has a cooldown, and the reward (1000 Meow) is decent but not game-changing compared to high-level career salaries or selling high-quality creative works. Failure results in a fine.
  • ATM Hacking: Extremely risky (death, arrest and potential jail time) for a very small reward (250 Meow). Generally considered not worth the risk as a primary money-making strategy.

While you can virtually "rob" banks via hacking in inZOI, it's presented as a high-skill or high-risk, low-reward activity rather than a lucrative criminal enterprise. If crime is the fantasy you're after, the thief and scammer path added in December 2025 is the real system — with far more depth, and real consequences in the form of wanted status, arrest, and trial.

Legitimate careers, running a business, or creative skill hustles remain more reliable and less dangerous ways to earn Meow.

Update history​

  • March 28, 2025 — Early Access shipped with bank hacking (Programming Level 10) and ATM hacking, the latter gated behind Bad or Terrible Karma. No physical robbery.
  • October 30, 2025 — v0.4.0 removed Karma scores, so the ATM hacking gate no longer applies.
  • December 23, 2025 — v0.5.0 added a full crime system including breaking into properties and cracking safes — still not bank robbery, but the closest thing yet.
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