Susan Frobisher and Julie Wickham are turning sixty. Susan has just discovered that her recently deceased husband was not only a swinger but had run up a fortune in debts in pursuing his extravagant double life. Julie's not faring better: living in a council house and working in an old people's home, she's desperate for excitement.

When the bank threatens to take Susan's beloved home to clear the debt, the women seek the help of an octogenarian gangster named Nails. Rather than let the bank take everything Susan has, they're going to take the bank. With the help of Nails and a thrill-crazy, wheelchair-bound friend they pull off the daring robbery, and discover that getting away with it is not so easy and that the adventure is only just beginning.