I know that about half the games feature non-linear storytelling, but not the first game. The other games work because you already have the context of the characters and who they are, and you want to see how the characters you love got to where they are. It does not work to “start in the middle” and then work your way back with a fresh story that you are introducing to a new audience. I hate this trope in movies, with few exceptions. So that’s how the movie starts.
We’re then treated to bad kid actors playing out a very abbreviated form of U4’s Sam and Nate moments around the orphanage. Again, lack of context. U1 focuses on Francis Drake, so it makes sense to bring up Nate “being descended from Drake”. Francis Drake has nothing to do with this film, so it’s a throwaway piece of expository dialogue.
12 year Nate then morphs into 12 year old Tom Holland working at a bar. I hate this. I hate this a lot. Nate is a (kind of maybe alcoholic) bartender and also a petty, petty thief. Really makes him seem very unlikeable. Sully shows up and starts throwing more expository dialogue and “recruits” Nate for this heist.
Cue obnoxious montage “preparing for the heist”. Everything is modern and high-tech and incredibly boring.
Cut to auction scene stolen from U4, and annoying “banter”. Not much to say. Banderas is a little miscast. He seems a little Rafe-ish, but much too old to be playing “entitled rich kid about to get cut off from his fortune”.
They grab the cross and jet off to Barcelona where another cross and Chloe await. Except Chloe isn’t that great, is pretty antagonistic, and pretty much just wears coveralls in every scene she’s in, for some reason. They do some third-rate parkour and puzzle-solving. Sully is constantly freaking out about being cut out and betrayed despite doing that himself all the time. They find a map, Chloe betrays them (surprise) and turns out to be working for Banderas. This makes the other woman Banderas hired (Braddock? A poor substitute at Nadine?) angry.
Nate and Sully sneak on to the big plane. Braddock kills Banderas (ripping off U1, Navarro and Roman). Sully gets out with a chute, there’s a lot of terrible CGI, and Nate and Chloe fall into the ocean. They wash up on a resort beach where a very hamfisted cameo from Nolan North happens.
Nate has his shirt off (for the umpteenth time in the movie) so he and Chloe can figure out the next clue in another bad montage. Nate figures it out and leaves a fake clue for Chloe to find in the morning because, surprise, she betrays him again and leaves. She practically does not show up again in the film.
Nate and Sully track down Magellan’s ships with the gold. Braddock and her men show up and somehow lift two massive sailing ships out with helicopters? Lifting imagery from U1 and the statue getting lifted out, except the statue wasn’t nearly as big.
Nate finally gets the holster and gun and fires about three or four shots. More bad CGI ensues. Sully has to choose between a backpack full of gold and Nate and chooses Nate, big surprise. They fly off.
A post credit sequence reveals, big surprise, Sam is not dead but in jail.