Manni (Moritz Bleibtreu) handled a smuggling job, delivered the loot, collected the payment, left the bag on the subway, and now has 20 minutes to gather 100,000 deutsche marks or confront the wrath of his boss, local criminal Ronnie (Heino Ferch).

Desperate, Manni phones his girlfriend Lola (Franka Potente) who immediately runs downstairs and through Berlin streets to the bank run by her father (Herbert Knaup). However, she's rejected and leaves minus money. When she goes to meet Manni, he's holding up a supermarket, and she's shot by the cops. Then the story begins again with different outcomes. In one version, Lola robs the bank and takes her father hostage; in another, there's casino cash to be won.