If police corner you during a heist, you have three choices: surrender, offer a bribe or keep fighting.
| Outcome | Bag contents | Equipped gear |
|---|---|---|
| Surrender | Confiscated | Kept |
| Surrender and the cop accepts a bribe | Kept | Kept |
| Die as a criminal in Looty Bay | Lost | Lost |
Why surrendering can be the right call
A criminal who dies in Looty Bay loses their inventory. Surrendering gives up the bag but keeps the equipped gear, so you lose less if the fight is already lost.
When to offer a bribe
If you have money in the bank, you can offer the officer a bribe. If they accept, you keep everything in your bag. That makes a bank account useful even before your first big score.
Prison and playing with friends
The global map also has a Prison location. Players use its “Surrender to Feds” option to switch servers and join a friend’s party.
