It is a wonderful concept for a story that just doesn't quite manage to secure a fully realized execution.

Time Heist is a fun story that deploys a pretty enjoyable cast of characters, a very fun setting and monster, along with a decently written story. I always like when we get a full crew of characters in stories like this or Dinosaurs on a Spaceship to change things up a bit. I definitely think Moffat sometimes goes for twists just for the sake of twists, and that sort of writing holds back the quality a bit, but it is a fun enough romp, and production does a great job at making the Space Bank feel Spacey. It is far from bad, but pretty aggressively average. It's amazing how much of the story I forgot my first time around.

EDIT: There are also some fun details in this video. A number of villains and other criminals appear in this episode as part of the bank's files, from the show, the comics, Torchwood, and the Sarah Jane Adventures. That's cool and part of a trend in Moffat's work to acknowledge and incorporate the wider franchise. I like that sort of world building and it makes the franchise feel both more lived in and connected.