Last updated: 13-07-2026
Piggy Bank is another name split between two studios, and this time the difference in risk profile is genuinely large. BGaming's Piggy Bank Hold & Win, released March 2026, is a compact, low-drama title built for steady, frequent smaller wins. Play'n GO's Piggy Bank Farm, released back in 2020, is a completely different animal — a High volatility farm-themed pokie chasing a max win twice the size of its BGaming namesake. Given Ripper's library leans BGaming, the Hold & Win version is the more likely one to appear, but it's worth knowing both exist before you search.
What makes the BGaming version specifically worth a closer look is the RTP figure: 96.98%, among the strongest published returns of any pokie covered in this entire series.
Two Piggy Bank titles, two different mechanics entirely
BGaming's Piggy Bank Hold & Win runs on a compact 3x3 grid with 5 paylines — noticeably smaller than most modern pokies. Landing 3 coin symbols on the centre horizontal row triggers the Hold & Win bonus: coins lock in place, and the spin counter resets to 3 remaining respins every time a new coin lands. Three piggy characters can appear during the feature and each does something different — Green resets your respin counter again, Pink applies a random multiplier between 1x and 8x, and Blue expands the entire grid from 3x3 to 3x5, opening up more coin positions. Five jackpot tiers sit behind the mechanic: Mini, Minor, Major, Grand, and Royal.
Play'n GO's Piggy Bank Farm is structurally unrelated. It's a 5x4 grid with 50 fixed paylines, farm-themed rather than bank-themed despite the shared name, built around a Farmer Wild and a Hammer symbol mechanic. Landing the Hammer on reel 5 (or any reel once free spins are active) triggers Piggy Bank Spins — a three-lives, cluster-merge feature where a small 2x2 grid can expand all the way to a 5x4 "Mega Piggy Bank." Gold Coin scatters trigger 8 free spins with retriggers available, and multipliers up to 10x apply when multiple hammers land during the feature.
| Version | Provider | RTP | Volatility | Max Win | Bonus Buy | Notes |
|---|---|---|---|---|---|---|
| Piggy Bank Hold & Win | BGaming | 96.98% | Low to Medium | 2,500x | Yes (3 tiers) | 30% hit frequency — high for the category |
| Piggy Bank Farm | Play'n GO | 96.29% (operators may run 94.26% or 91.26%) | High | 5,000x | No | Max win probability under 1 in 1 billion spins |
Where Piggy Bank's RTP sits against other Ripper titles
BGaming's Hold & Win version is a genuine standout here — at 96.98%, it's the highest RTP of any traditional pokie covered across this entire series, only beaten outright by arcade-format titles like Plinko. Play'n GO's Farm version, at a default 96.29%, still sits comfortably above the AU pokies average, though its RTP range extends considerably lower depending on operator configuration.
Worth being specific about Piggy Bank Farm's RTP range: 96.29% is the ceiling, but operators can configure it down to 94.26% or, at the lowest observed setting, 91.26% — a genuinely wide spread that puts real distance between the best and worst-case version of this title. Checking the in-game paytable before staking anything is particularly important here given how much room operators have to move that number.
Author's tip from Jack Thompson, Casino Analyst & Responsible Gambling Researcher: "If both Piggy Bank titles are in the Ripper lobby, check the paytable before choosing — a 96.98% BGaming Hold & Win session and a 91.26%-configured Play'n GO Farm session are genuinely different games financially, despite sharing a name and a piggy theme."
Which version suits which player
The BGaming Hold & Win version is built for casual, steady sessions — a 30% hit frequency is unusually high for anything using a Hold & Win mechanic, and the compact 3x3 grid keeps the visual experience simple rather than overwhelming. Its three-tier Buy Bonus system (Piggy Surprise, Piggy Trio, Piggy Frenzy, at increasing cost) lets you dial in exactly how much bonus intensity you want to pay for.
Play'n GO's Farm version suits a different kind of player entirely — someone specifically after the higher 5,000x ceiling and comfortable with High volatility and a genuinely remote chance (under 1 in 1 billion spins) of hitting that theoretical max. It's a considerably more patient game to sit with, and the RTP variability by operator makes checking the paytable non-negotiable before committing real stakes.
- BGaming Hold & Win: strongest RTP in this comparison, frequent smaller wins, compact 3x3 format.
- Play'n GO Farm: higher ceiling, wider RTP range by operator, considerably more patience required.
- Confirm which version — or whether both — are actually available in the Ripper lobby before choosing.
Understanding the five jackpot tiers
BGaming's Hold & Win mechanic sits behind five distinct jackpot tiers — Mini, Minor, Major, Grand, and Royal — each awarded based on how many coin positions you've filled by the time your respins run out. This tiered structure means the bonus round has a natural sense of escalating stakes: filling more of the expanded 3x5 grid (after a Blue piggy triggers the expansion) genuinely increases your shot at the higher tiers, rather than the outcome being purely a single random roll once the feature triggers.
Sticky Coins — a specific coin variant carrying pre-set values from 5x to 9x — can also appear and carry over into the bonus round rather than resetting, adding another layer where the specific coins you land during the triggering spins matter beyond just hitting the initial 3-coin requirement. Mystery symbols transform into a matching symbol type once revealed, which is a fairly standard mechanic across modern BGaming titles but worth knowing about if you notice a mystery icon appear during a base game spin.
18+ only. Even the higher-RTP BGaming version carries real variance — a 96.98% return doesn't mean every session breaks even, it's a long-run average. Gambling Help Online is available on 1800 858 858 for anyone in Australia who wants support around their play.
If the BGaming Hold & Win mechanic appeals but you want something with a bit more max-win potential, Big Bass Splash 1000 delivers a considerably higher ceiling at a comparable RTP. Gold Rush offers a different Hold & Win-adjacent structure worth comparing too.
- Back to the homepage for the current welcome offer and licensing details.
- Browse the full pokies library for more titles.
- Plinko for the single highest RTP in the Ripper library.
- Big Bass Splash 1000 for a considerably higher max-win ceiling.
- Gold Rush for another Hold & Win-adjacent title.
- New to terms like Hold & Win or hit frequency? Check the glossary.
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