How to Play Monkey in the Bank Slot for Real Money Online

Michael Carter

Published: May 1, 2025

1. RTP (Return to Player): 94.64%

The RTP of 94.64% indicates that, on average, a player can expect to receive back approximately 94.64 coins for every 100 coins wagered. The remaining 5.36 coins represent the casino's edge. This RTP is slightly below the industry average, suggesting that while players can still enjoy the game, the likelihood of recouping a substantial amount of wagered funds over time is reduced compared to slots with higher RTPs.

2. Paylines: 20

With 20 paylines, this game features a moderate structure for winning combinations. Unlike many modern slots that utilize "ways to win" mechanics, the fixed paylines present in Monkey in the Bank imply that players will have more limited opportunities to form winning combinations compared to higher-payline games. Consequently, while payouts may come less frequently, when they do, they can be significant considering the high volatility.

3. Max Bet Scenario:

By betting the maximum of 200 coins and hitting the maximum win of 50,000 coins, the evaluation of potential returns becomes crucial. The payout based on the max bet scenario is mathematically straightforward. However, since the maximum winning potential in this game is fixed at 50,000 coins, it stands as the maximum outcome regardless of the bet size:

Maximum win: 50,000 coins. While this presents an attractive potential payout, hitting such a win is rare and requires considerable luck paired with strategic gameplay.

4. Minimum Bet: 0.2

Engaging the game at the minimum bet of 0.2 coins allows for a less risky gameplay approach. The maximum theoretical win remains 50,000 coins regardless of the minimum bet. The payout would hypothetically be:

This illustrates that even at the lowest stakes, there remains a significant potential win, appealing to those who wish to minimize risk while enjoying the gameplay experience.

Simple Expected Return Calculation:

Assuming a player spins 1,000 times utilizing a 1-coin bet over multiple rounds (total wager: 1,000 coins), the expected returns can be calculated using the RTP:

This means the expected loss would be approximately:

Expected loss = 53.6 coins

This calculation underscores that while returns equate to nearly 95% of total wagers, there are no guarantees of substantial wins during any single session.

Risk Evaluation: Volatility and Payline Structure

The high volatility characteristic of Monkey in the Bank suggests that while players may encounter larger wins, these payouts will likely arrive less frequently. The fixed structure of 20 paylines further adds to this volatility, meaning that while winnings could be significant, they may not occur consistently.

A high-risk profile typically indicates that a player should be prepared for a series of losses before an eventual win. Therefore, prudent bankroll management becomes crucial for sustaining gameplay and maximizing the potential for return.

Monkey in the Bank Slot Machine – Screenshots