The movie story shortly: a man and his friend try to rob a bank vault with diamonds inside it. They cant get in so they rent the room on top of the bank and drill through the floor with a big drill. The main character is a white man. And the movie begins with an s3x scene. Really apricciate your help!
The year does not match, and not a perfect match, but maybe
“The Trust” (2016)?
Quote from the above Wikipedia page:
“The complicated plan requires them to drill into the safe door from the residential apartment above the freezer, to allow them to attack the safe without triggering “failsafe” door locks.”