Man.. I guess I just love heist stuff, because I thought this was a great episode. I thought it was almost as good as Listen, simply because it didn't have as much inconsistency with the ending and the stuff beforehand (i.e. oh it was all in the doctors head, except for when it wasn't, lol timey wimey). But, the tone and everything of listen was amazing, and I'm hoping they revisit the creature they showed later on to really wrap it up.
For 'Time Heist', I didn't have any complaints. It was a little obvious to me who the architect was as soon as the vault opened and the Doctor had his revelation about it being a time travel heist, but the payoff was still fine. I also get a kick out of when they play with cause/effect due to time. He's at the bank because he was asked to be at the bank by the person he meets because he's at the bank.. TIMEY WIMEY, but it works in this case, I thought.
Also, I think Capaldi's doctor is getting into a groove. He's starting to be a little funnier in a grumpy way, and it's great. "why are you in charge?" "basically, it's the eyebrows" or however it went, was hilarious but subtle. 'Shut up! Shut up! Shut up! Shut shut shut the upppity up!! You! What did you say? De-shut up!' hahaha. Lot of great deliveries from his this time.