Piggy Bank: Three Versions, One Confusing Shared Name

Three different pokies share the name Piggy Bank, and they span nearly every volatility tier available: BGaming's Hold & Win version runs low-medium volatility with a 96.98% RTP, Play'n GO's version sits at High volatility with a 5,000x ceiling, and Inspired Gaming's Big Piggy Bank trades RTP for a four-tier jackpot structure at around 94.5%. Confirmed at Richard Casino is the BGaming Hold & Win version — here's what that one actually involves, plus how it compares to the other two if you encounter them elsewhere.

What is Piggy Bank Hold & Win and how does the bonus trigger?

Piggy Bank Hold & Win, from BGaming, runs on a compact 3x3 grid — smaller than the standard 5x3 layout most pokies use — built specifically around its Hold & Win feature. RTP sits at 96.98%, the highest of all three Piggy Bank variants, with low-medium volatility and a max win of 2,500x. Released March 2026, it's a newer addition to the BGaming catalogue and confirmed as available at Richard Casino under the studio's provider partnership. The bet range runs A$0.10 to A$100, covering a wide span suitable for both cautious sessions and higher-stakes play within the game's more forgiving variance profile.

The bonus triggers specifically when 3 coin symbols land on the centre horizontal reel — not anywhere on the grid, but that specific row. This positioning requirement is worth understanding upfront, since it means coins landing elsewhere on the grid during the base game don't count toward triggering the feature, only ones that line up on that middle row. Once triggered, you're awarded 3 spins, and any new coin landing during those spins resets the counter back to 3, extending the feature for as long as new coins keep appearing — functionally similar to Hold & Win mechanics found in other providers' titles, but scaled to this game's smaller grid.

A detail that's easy to miss: sticky coins landing during the base game carry values between 5x and 9x your bet, but that stickiness doesn't carry over if you access the bonus round via Buy Bonus rather than a natural trigger. Purchased rounds start fresh without any base-game coin values already locked in, which is a meaningful distinction if you were expecting a buy to preserve progress you'd already built up. A five-tier jackpot structure also sits behind the feature, though specific seed amounts for each tier weren't confirmed in available game data.

Author's tip from Ethan Wallace, Online Casino Analyst & Compliance Researcher: "Don't assume Buy Bonus preserves any sticky coins you've already landed in the base game — purchased rounds start clean, so if you're sitting on strong coin values naturally, it's usually worth continuing to spin rather than buying in and losing that progress."

Because the base grid is only 3x3, the numeric scale of this title runs smaller than most other pokies in the lobby — fewer symbols, fewer positions, and a lower max win ceiling to match. That's a deliberate design choice rather than a limitation: BGaming built this specifically as a compact, focused Hold & Win experience rather than a full-scale slot with a large reel set and complex paytable, and the 96.98% RTP reflects a game engineered around that smaller, tighter format rather than one competing on sheer scale with larger titles.

The three Piggy Powers — Pink, Green and Blue explained

During the Hold & Win bonus, three piggy characters can appear, each triggering a different modifier. The Pink piggy adds multipliers to coin values already on the board. The Green piggy adds 3 extra spins directly to your remaining count, functioning similarly to a fresh coin landing. The Blue piggy is the most significant of the three — it expands the entire grid from 3x3 to 3x5, opening up considerably more positions for coins to land and lock in during the remainder of the feature.

Because the base grid is compact at 3x3, landing a Blue piggy expansion meaningfully changes the shape of the rest of your bonus round — more available positions generally means more opportunity for coins to accumulate before the feature ends, though it also means a higher bar to fill the board completely if that's part of the game's top-tier jackpot structure. Understanding which piggy triggered during a session helps explain swings in how a bonus round plays out that might otherwise look inconsistent from one attempt to the next.

None of the three piggy powers are guaranteed to appear in any given bonus round — a session could run entirely without any of them triggering, relying purely on standard coin landings and spin resets to determine the final payout. Their appearance adds variance on top of an already low-medium volatility base, which is part of why even a game rated more gently than most very high volatility titles can still produce a noticeably wide spread of outcomes between individual bonus attempts.

Author's tip from Ethan Wallace, Online Casino Analyst & Compliance Researcher: "If a Blue piggy expands your grid to 3x5 partway through a bonus round, don't assume the feature is guaranteed to run longer — the spin counter still applies, so a wider grid without a matching coin landing to reset it can end just as quickly as a standard 3x3 round would."

BGaming vs Play'n GO vs Inspired — which Piggy Bank suits you?

The BGaming Hold & Win version, confirmed at Richard Casino, is the strongest pick on RTP alone at 96.98%, with low-medium volatility that suits longer, steadier sessions rather than chasing rare large hits — a bankroll of 50 or more bets is typically sufficient given the more forgiving variance profile compared to very high volatility titles elsewhere in the lobby. Its 2,500x ceiling is modest next to some other pokies, which is the trade-off for the smoother, more frequent win pattern.

Play'n GO's version, if you encounter it elsewhere, offers a considerably higher 5,000x ceiling through a hammer bonus mechanic on a larger 4x5, 50-payline grid, at the cost of stepping up to High volatility — a meaningfully different session experience from the BGaming version despite sharing a name and general theme. Inspired Gaming's Big Piggy Bank trades RTP for a four-tier jackpot structure, sitting at the lowest published return of the three around 94.5%, which is worth flagging clearly rather than treating as a minor detail — it's a genuine step down in expected return relative to the other two.

Author's tip from Ethan Wallace, Online Casino Analyst & Compliance Researcher: "Check the provider name before assuming which Piggy Bank you're loading — all three share a similar farm-and-savings visual theme, and it's easy to click into the wrong one expecting BGaming's steadier variance and end up in a considerably swingier session instead."

Demo mode is confirmed available on the BGaming and Play'n GO versions; availability for the Inspired title wasn't confirmed. Richard Casino operates under a Curaçao licence rather than an Australian one, sitting outside ACMA and BetStop oversight — play on offshore terms and within a budget set in advance. You must be 18+ to register.

For the rest of the pokies library, the homepage has the full picture, and the glossary covers terms like Hold & Win and RTP in plain language. Already registered? Log in and run the demo before your first real spin.