What Is Piggy Bank?
Piggy Bank is JDB Gaming’s money-themed slot with a genuinely unusual setup: a 3-reel main grid plus a 4th “Special Reel,” all on a single payline (a 3-1 layout). Like Money Coming, it skips traditional symbols in favor of numbers that combine into your payout — and uniquely, your bet level itself unlocks more reels and bigger numbers, which makes it one of the clearer examples of how stake size changes a slot’s structure.
How to Play Piggy Bank Step by Step
- Choose your bet level — Piggy Bank uses five distinct tiers rather than a simple slider, commonly set at 1, 5, 10, 50, and 100 coins.
- Press spin. The main reels display numbers; when they land on the payline, blanks are skipped and the visible digits are concatenated into one figure (for example, “10” on reel one and “0” on reel three combine into “100”).
- That combined number is multiplied by your stake to produce your base win.
- Watch the Special Reel for multipliers, respins, or the Pig symbol, which can trigger the multi-level bonus game.
Why Your Bet Level Matters: 1, 5, 10, 50, 100
This is what makes Piggy Bank worth understanding before you play, since the reels you’re even playing with depend on your stake:
- Bet 1 — 2 main reels plus the Special Reel, with 1 feature reel active in the bonus.
- Bet 5 — 3 main reels plus the Special Reel, with 2 feature reels active in the bonus.
- Bet 10 — 3 main reels plus the Special Reel, with 2 feature reels carrying higher payout values than the Bet 5 tier.
- Bet 50 — 3 main reels plus the Special Reel, with 3 feature reels active.
- Bet 100 — the full configuration: 3 main reels, Special Reel, and 3 feature reels at their highest payout values.
In practical terms, a ₱10 bet plays the full 3-reel structure with upgraded feature values compared to a ₱5 bet — but it still isn’t the maximum configuration, which only unlocks at the 50 and 100 tiers. A ₱20 bet (if your platform allows that exact stake) would generally sit within the Bet-10-to-Bet-50 range depending on how your specific casino maps its coin values — check your platform’s bet selector to see exactly where 20 lands.
The Special Reel & Bonus Game
Landing the Pig symbol on the Special Reel triggers Piggy Bank’s signature multi-level bonus. You progress through three levels, each with its own feature reels and enhanced pay values, and landing additional Pig symbols advances you further toward the game’s maximum payout. Some platforms also offer a Feature Buy option that lets you pay a fixed cost (commonly cited around 50x your stake) to enter the bonus game directly, skipping the base game.
RTP & Volatility
Piggy Bank’s RTP is most commonly published in the 96%–97% range, and it’s generally rated low-to-medium volatility. The maximum win is consistently cited at 13,000x your stake — one of the higher ceilings among this style of number-matching slot — though reaching it realistically requires the higher bet tiers and a strong run through the multi-level bonus.
What Betting 10 or 20 Actually Means
Piggy Bank is a good example of why “bet X, win Y” claims don’t hold up: your bet level changes the game’s structure, but the outcome of every spin is still decided by a certified random number generator. What you can actually rely on:
- At a ~96.5% theoretical RTP, for every ₱1,000 wagered across many spins, the long-run average return is roughly ₱965 — the rest is the house edge.
- Betting at the 10-tier unlocks the full 3-reel structure with upgraded feature values versus lower tiers, which genuinely improves what’s possible on a winning spin — but it doesn’t make any single spin more likely to win.
- The jump from 10 to 20 (or whichever tier your platform maps 20 to) increases your potential payout ceiling, but every spin remains an independent random event.
- Reaching anywhere near the 13,000x max realistically requires both a high bet tier and a strong run of Pig symbols through the bonus levels — treat it as a rare outcome, not a target.
Tips for Playing Responsibly
- Use the free demo to see exactly how the reel count changes across bet tiers before risking real money.
- Decide your stake tier based on your total session budget, not just the upgraded feature values.
- Set a stop-loss and a stop-win point before you start.
- If your platform offers Feature Buy, remember it’s a fixed cost for bonus entry — it doesn’t guarantee a profitable outcome from that bonus.
FAQ
Does a higher bet level in Piggy Bank really change the game?
Yes — unlike most slots where stake size only scales the payout, Piggy Bank’s bet level physically unlocks additional reels and higher feature values, up to the maximum at the 50/100 tiers.
What is the maximum win on Piggy Bank?
The maximum win is commonly cited at 13,000x your stake, reached through the multi-level Pig bonus game at higher bet tiers.
What is the RTP of Piggy Bank?
Published figures generally fall between 96% and 97%, depending on the operator — check your specific platform’s paytable for the exact number.
Is there a way to skip straight to the bonus round?
Some platforms offer a Feature Buy option at a fixed cost (commonly around 50x your stake) to enter the bonus game directly, where this feature is available and permitted in your jurisdiction.
Gambling involves real financial risk. Play only with money you can afford to lose, and treat slots as entertainment rather than a source of income.
