While there are definitely more traditional ways to build your fortune and earn money, InZOI, being the wonderfully chaotic life sim it is, has a shortcut for players who aren’t afraid to take unconventional routes. If the InZOI money cheat is too boring for you and you’re craving a little more thrill, then you might just find yourself eyeing those conveniently placed ATMs around town.
Robbing an ATM sounds like a quick way to get instant cash, but a poorly executed ATM robbery can lead to some unpleasant consequences. To help you out, this guide covers the most effective way to successfully rob an ATM in InZOI so that you can walk away with a decent chunk of money without getting caught.

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How To Rob An ATM in InZOI
Robbing an ATM is just one of those quirky, slightly chaotic things your Zoi can do in InZOI. However, only Zois with low Karma levels can attempt to rob an ATM. If your Zoi has been a rebel and their Karma level falls to “Bad”, they can explore a new, albeit risky, avenue for making money.
After setting your Karma level, you’ll need at least Level 1 in Programming in InZOI— a skill you can quickly develop by spending some time on your computer.
Once you’ve met both of these requirements, head to the nearest ATM in your city. While banks themselves seem to lack ATMs indoors, you’ll find these cash machines conveniently scattered along the sidewalks.
When you spot an ATM, interact with it and bring up the “Karma Action” menu. Among the options, you’ll find “Hack.” Select it, and your Zoi will try to liberate some funds from the roadside ATM.
Now, this can result in one of the following ways:
- Failure: You might fail the hack entirely, and nothing will happen — no alerts, no consequences, just a wasted attempt.
- Getting Caught: You could trigger an alert system. In that case, not only will nearby people notice, but the police may also be notified. While you might get away the first time, repeated attempts will increase the chances of getting caught and eventually landing in jail in InZOI.
If you get arrested, you can be released by waiting until 9 AM the next morning.
- Successful Robbery: If all your needs are met and your Zoi is in a good mood in InZOI, there’s a good chance the hack will be successful. You’ll only walk away with a small amount of cash. So ask yourself: is the risk really worth the reward?
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