Mr. Bean wants to buy a fancy cupcake, but because his wallet is empty, he decides to visit a cash dispenser. After several failed attempts to use the machine, his card is rejected and swallowed by the machine. Bean then steals a box of tools from a nearby repairman's van to unscrew the front of the machine in order to retrieve his card, thereby triggering the cash dispenser's alarm and alerting the police. Fortunately, Bean manages to hide inside the machine before the police officers find him and he accidentally falls into the vault, finds his card and escapes just as the police officers raid the vault. Bean tries his card again after finding out that his note of his PIN was upside down (he incorrectly read it as 1861 but it is actually 1981). Finally, Bean successfully withdraws the money and buys the last remaining cupcake just in time before the bakery runs out of cupcakes. As Bean drives back home while eating his cupcake, the police officers mistakenly suspect and arrest the repairman when he attempts to retrieve his toolbox.