ROB RUN money guide: sell loot, open a bank account and launder cash

Turn a loot run into usable money

The sale is not the end of the job. Kefir’s selling instructions include a separate action to collect the proceeds: money left on the counter can be stolen or confiscated.

1. Open the map in Looty Bay and look for the van with a dollar sign, or go to the Sales Center.
2. Find the fence and sell the valuables you brought.
3. Take the money from the counter immediately. Do not leave as soon as the sale interaction finishes.
4. Decide what you need to spend now and what you want to protect through the bank workflow below.

This route applies to valuables sold to a fence. It is not a guarantee that every item has a buyer or that every run returns the same amount. The practical completion check is that you have collected the sale proceeds, rather than merely handed the goods over.

Open the account before trying to launder

The official order is bank account → Laundering Desk → processing → banked funds. An account and a desk are different prerequisites.

The processing steps below assume you already have a base with an available Laundering Desk. If you are still establishing your first base, complete the plot and base checks first.

Step	What to do	If you are stuck
Open an account	Visit Looty Bay Bank as a Civilian	Check your current role before repeating the bank visit
Establish the base side	Use the Laundering Desk at your base	Start with the plot and base guide if you have nowhere to put your operation
Process cash	Run the money through the desk and allow time for laundering	Do not treat cash waiting to be processed as already banked
Access the proceeds	Withdraw cash from an ATM when you need it	Withdrawn cash is exposed to the ordinary cash risks again

The Civilian requirement is stated for opening the account. Do not extend it into an unsupported claim that every later bank-related action requires the same role. The current help page does not give a universal processing time or fee; use the amount and completion state displayed by your own desk.

Cash, goods and banked money need different protection

Where your proceeds stopped	What to check next
The goods are still in your bag	Find the Fence to sell eligible loot. Selling goods gives cash.
You have cash and the bank route is unavailable	Check whether you opened the bank account and are using a route Kefir lists for laundering.
You left cash on a Laundering Desk	Reopen the desk and check its state before budgeting from the account. Kefir increased desk capacity at launch. Check the current interface for room.
The transaction completed	Confirm that the funds reached your bank account before planning a bank-funded purchase. Use an ATM if you need cash. Withdrawn cash is exposed to theft again.

For example, if you sold goods and then left cash on the desk, verify that the funds appear in the account before counting them toward a bribe. If the deposit is visible and the account balance later disappears with your plot and equipment, start with the Federal Raid checks.

What you have	Relevant storage or action	Remaining risk
Cash from a sale	Collect it, then choose whether to launder	Loose cash can be stolen or confiscated
Cash you want to leave at Lenny’s	Lenny’s accepts cash storage	This does not turn Lenny’s into a warehouse for stolen goods
Stolen physical goods	Store them at your base	Other players can raid the base
Laundered bank balance	Keep it banked until needed	Protection ends at the next wipe

Kefir distinguishes theft protection from persistence. Banking does not make a balance survive the Federal Raid. Use the wipe and loss checklist before making plans for the next cycle.

Choose an income route that matches what you already have

The developer names selling loot, hauling and reselling cargo, producing goods at a base, and police work as ways to earn. Settlement owners and territory-controlling clans also receive tax income.

These are different routes into the economy, not a verified earnings ranking. If you are returning from a loot trip, finish the fence-and-counter sequence first. If your next goal is production, establish the base prerequisite before spending as though a working workshop already exists. If you want to found a clan, its official requirement is laundered funds in your bank account, so loose sale cash does not satisfy the stated condition.

Owning a settlement is also different from renting a plot. Kefir says an owner receives a share of tenants’ spending and laundering, and must collect it in person. Do not assume settlement income is automatically deposited or confuse a tenant’s base with ownership of the entire settlement.

What a bank balance changes during an arrest

A bank balance lets you offer a police officer a bribe. If the officer accepts, the official rule says you retain the contents of your bag. This is a conditional alternative to confiscation, not an automatic escape whenever you have money.

Before relying on that option, check both parts: do you have banked funds, and has the officer actually accepted? For the ordinary surrender outcome and how it differs from dying, continue with death, surrender and Federal Raid losses.