Industrialist Tam Kar-cheung knowingly puts the lives of his workers at risk so as to line his pocket with insurance payments. The chivalrous Bus Money gets into fisticuffs with Tam's chauffeur, Tam Biu, who bears a grudge against the assailant. When Money catches wind of Kar-cheung's vicious plot to set fire to a squatter area to clear the path for a property development project, she moves in and watches vigilantly for signs of arson. Soon, she saves Ah-hau, Biu's girlfriend and a young victim of drug rape, from her suicidal attempt by drowning. Money pursues fragments of clues which lead her to the victim's boss, Taipan Cheung who sucks up to his master Kar-cheung by drawing his prey to her trap. Money then organises squatter residences into fire brigade to guard against arson attacks and exposes Kar-cheung's evil. Realising he has been exploited for his blind loyalty, Biu teams up with Money to dispense justice.

Bus Money dons various disguises on public buses to protect the defenceless from the bullies and receives heroic praise. Money meets Tai Ngau, a righteous journalist, when they bear witness to the callous response of Manager Mo to the death of his servant Ah-kwai. Tai writes to redress grievances of the deceased. When visiting the family of orphans, he chances on his kindred spirit giving the eldest daughter Ah-yin a gift of gold. Money exploits the weakness of Mo and her connection with his son Sze-fu to swindle a fortune out of the lewd man for the benefits of the fatherless children. Her rage grows learning that Mo's friend Fong Hak-sang has pulled off a lucrative fraud on returned overseas Chinese and forces Ah-yin to pledge herself in paying off her father's debts. Money, who has all kinds of tricks up her sleeve, teams up with Tai and gives Mo and Fong their comeuppance before setting off on her next mission.