If you're diving back into GTA Online or just getting started, having access to an account with all heists completed can be a huge advantage. Not only does it save time grinding through setups, but it also unlocks some of the best payouts, vehicles, and content the game has to offer. Whether you're looking to jump straight into Cayo Perico runs or want the full experience of a high-level character, here are five of the best options when considering GTA 5 accounts that already have every heist completed.

1. Maxed-Out Criminal Enterprise Account

For players who want access to everything right away, a fully maxed-out account is the gold standard. These GTA 5 accounts typically include all properties, heists completed (including The Doomsday Heist and Cayo Perico), and high-level character stats. With businesses like the Nightclub, Bunker, and CEO office already active, you’re ready to start making money from day one. These accounts are ideal for players who prefer to focus on endgame content without spending dozens of hours grinding.

2. Heist Specialist Account

Not every player wants a bloated account with everything unlocked. Some prefer a leaner setup focused on co-op gameplay. A Heist Specialist account is exactly that—an account where the main story heists and online missions are completed, with enough money and gear to run any heist effectively. These GTA online accounts are great for those who enjoy replaying heists with friends or randoms, without worrying about setup missions or access requirements.

3. Solo Heist-Ready Account

Thanks to the Cayo Perico Heist, solo players can now make millions without depending on a crew. Solo Heist-Ready accounts usually come equipped with a Kosatka submarine, heist tools, and Cayo Perico completed at least once—unlocking elite access to future runs. If you're planning to grind solo, this type of GTA 5 account gives you a solid head start with minimal effort needed to jump into profitable heists.

4. Roleplay-Compatible Account

Many players enjoy the GTA Online RP scene, and there are accounts tailored specifically for that experience. These often have a well-rounded setup with moderate progression, all major heists unlocked, and some RP-friendly vehicles or clothing. While not as maxed-out as others, they strike a balance between realism and utility. For players looking to join FiveM servers or similar platforms, this is a practical option.

5. Budget Account with All Heists Completed

You don’t have to break the bank to get a decent GTA Online account. There are budget-friendly accounts available through marketplaces like U4N, offering all heists completed and essential features unlocked. While these may not include every luxury apartment or high-end vehicle, they provide everything you need to jump into the action and start building your own empire.

Final Thoughts

Choosing the right GTA 5 account depends on your playstyle. Whether you're into competitive heists, solo grinding, or immersive roleplay, having the groundwork already laid out can make your time in Los Santos far more enjoyable. Sites like U4N offer a range of options for players looking to skip the early-game grind and jump straight into the fun. Just make sure you pick an account that aligns with your goals, and always play responsibly.