Matt Turner works as a financier at Nanite Capital under his friend and CEO Anders Muller and lives with his wife, Heather, and two children, Emily and Zach, in Berlin. While driving his kids to school, Matt receives a call from an unknown number with a distorted voice who says that there is a bomb under his seat, which is already armed when Matt sits on it. The bomb is triggered by both pressure plates placed on all the seats and a radio frequency. He also threatens to detonate the bomb if Matt tries to get help. Matt finds the device and he is forced to follow the bomber’s instructions in order to keep them alive.
The bomber forces Matt to watch Sylvain, the latter’s client who is also receiving a bomb threat, being killed in an explosion when a panicked Sylvain’s girlfriend attempts to escape. The bomber tells Matt to call Heather to retrieve €50,000 at his safety deposit box at the bank. After Heather retrieves it, the bomber changes the plan by telling her to give the money to the man in a blue suit. When she does, the police arrive and arrest the man.
After seeing the news implicating Matt for the bombing, Europol agent Angela Brickmann calls him, who tries to convince her of his innocence and orders the signal to be jammed. The bomber reveals to Matt that he and Anders have a €208 million slash fund from the clients deposited on Matt’s “emergency collateral account” in a bank in Dubai. He arranges Matt to meet Anders at the power plant. Arriving there, the bomber forces Matt to order Anders to liquidate his collateral account. Despite Anders reluctantly complying, the bomber orders Matt to kill Anders with a revolver in exchange for his life and his children. When Matt refuses, the bomber blows up Anders’s car; the shrapnel injures Emily’s leg.
After a police chase, Matt is eventually surrounded by them with Angela and Heather arriving at the scene. The bomb squad safely removes Zach and Emily, who is then treated for her injuries, after they realized that the pressure plate is only located under Matt’s seat. Interrogating Matt, Angela suspects the bombing might be related to the heist. After talking to Heather for the last time, Matt drives away and evades the police, determined to find the bomber by himself. Matt demands the bomber to meet him in person if he wants the money.
The bomber is revealed to be Anders all along. Anders reveals that he wanted to make Matt a fall guy for the series of bombings to cover up his scheme of embezzling €208 million wired into his crypto account. To end this, Matt deliberately crashes his car, causing it to cling on the side of a bridge. Matt unlocks his seat belt and falls into the river, allowing the bomb to activate and killing Anders. Angela and the police arrive at the scene, with Angela nodding at Matt before allowing him to walk free.
During the credits, the news reports state that the bombings were part of the heist perpetrated by Anders, and Matt cooperates with the Europol to resolve the incident.
