Piggy Bank Slot Review: BGaming's Hold & Win Tested

Piggy Bank Hold & Win Strengths and Weaknesses

Every Bonus Round We Logged, in the Order It Arrived

Read on 14 Oct 2026; the maker can change a screen without saying so.

Which Piggy Bank Is This One?

This one belongs to BGaming. It arrived on 19 March 2026, playing on a 3x3 grid that stretches to 3x5. Five other slots carry the same name from five other studios, which is why one search drops you into four different games plus a shelf of children's money boxes.

The confusion has a source, half of it BGaming's. Its own page opens with the line "Prepare your snouts for 3 Pots". Evoplay had released a game called Piggy Bank: 3 Pots Bonanza four months earlier. Same hook, two studios, one very tired reader.

What the Six Namesakes Actually Are

We read the first three rows off each studio's own page. For the last three we found catalogue entries only, so those cells stay marked not confirmed instead of carrying a figure we can trace nowhere.

What the Slot's 96.98% Covers

96.98% covers an ordinary spin, and three BGaming surfaces agree on it: the game page, the rules screen inside the client, the response its game server sends at launch. All three match to the hundredth, which is worth noting because the jackpot tables on those same surfaces do not.

Buying your way into the bonus moves the figure, though barely. The rules screen states each door on its own: Piggy Surprise at 96.98%, Piggy Trio at 97.02%, Piggy Frenzy at 96.99%. Two of those three sit above an ordinary spin, Piggy Trio by four hundredths of a percentage point and Piggy Frenzy by one. Piggy Surprise matches the base figure exactly.

We do not recommend taking the jackpot values off BGaming's own game page. Four of its five figures describe a build nobody loads, Grand being the single exception, and the Royal line is out by 500 times the bet. The rules screen inside the game is the one to read.

Why the Base Game Pays Nothing

The base game pays nothing because BGaming built it that way, and the paytable screen says so in one line: "All the Coins pay only in the Hold&Win Bonus game." Every payout on this game comes out of a bonus round. Three coins on the middle row start it. Each symbol that lands then holds its place to the end. The Respins counter begins at three, climbs back to three whenever a fresh symbol arrives, drops by one on an empty spin. Once it runs out, the values of everything on the grid get added up, then paid in one go. That is the whole economy here, which leaves the base reels working as a waiting room with the lights on.

The design has a consequence you feel inside ten minutes. All 122 of our stakes finished at zero on their own. Everything that came back, all 100.60 of it, arrived inside seven bonus rounds.

Expect long flat stretches.

Jackpots, Two Different Ways

BGaming publishes two sets of jackpot values for this game, and only one of them matches the build you load. Its game page lists Mini at 25x, Minor at 50x, Major at 125x, Royal at 2,500x. The paytable artwork inside the client repeats those four. The rules screen in that same client, the jackpot panel down the left of the game, the game server itself all say Mini 10x, Minor 20x, Major 50x, Royal 2,000x.

Five Surfaces, Two Sets of Jackpot Values

Grand is the one value every surface agrees on.

The game server settles the rest, since it returns jackpots of 100, 200, 500, 5000, 20000 against a base bet of 10, which works out at 10x, 20x, 50x, 500x, 2,000x. The panel on screen prints exactly those. We confirmed the panel carries multipliers rather than cash by moving the stake from 0.10 to 20.00, then watching every figure stay where it was.

One number deserves separating from that list. The maximum win is 2,500 times the bet, while the Royal Jackpot is 2,000. The rules screen prints the two of them two lines apart with no word about the gap, so the ceiling reads as a cap sitting above the biggest jackpot rather than the jackpot itself.

Coins Run Smaller than the Slot States

Coins run smaller than the rules say they do. A standard coin is described there as 1x to 4x the bet, while the game deals a long tail underneath that floor. We logged every round the server returned across 187 rounds, pulling 631 coins out of them. 291 of those coins, 46% of the total, were worth less than a single bet.

You can see one for free. The base screen at a 0.10 stake carries a 0.6x coin in the bottom row. A bonus round we recorded held a 0.2x coin beside a 0.4x.

The stated top of the range holds up, though. 4x was the biggest coin we logged, which is exactly where the rules put a standard coin's ceiling.

The Hidden Odds

Your chance of the 2,500x ceiling is 1 in 44,731,998. The maker's own game server computes that figure, then keeps it off your screen entirely. The rules the client loads are a template with gaps in them, one of which reads "The probability of winning the max win {max_multiplier}x in the game is 1:{max_win_freq}". The server fills those gaps at launch. A licence setting in the same launch configuration, named show_max_win_frequency, then decides whether the filled line ever reaches the screen.

On the build we played it is switched off.

The same switch hides the bet range. The server sends 18 steps running from 0.10 to 100.00, while the line carrying those two figures stays hidden, so we walked the stepper to both ends by hand to get them. Which numbers a player gets to see turns out to be a setting rather than a property of the game. That is worth knowing before you treat any rules screen as the complete picture.

Where We Could Not Check

Where we could not check is Canada, and the reason is structural: no Canadian regulator publishes a supplier register at all. The AGCO requires gaming-related suppliers to register, then keeps the resulting list unpublished. Britain does publish its business register as a downloadable file, so we used that instead. BGaming sits in none of its 2,632 records, which rules out every British licensee as a host for this game. We ran the same search first against a supplier we knew was in the file, since an empty result only means something once the method has proved it can find somebody.

The studio footer claims a Maltese B2B licence, MGA/B2B/785/2020, issued on 18 March 2021. The Maltese register turned away every search we ran, so that number stays a footer claim here instead of a confirmed one.

A third gap is the maker's own choice. BGaming describes a provably fair portfolio of 35 games and names three of them: Aztec Magic Deluxe, Lucky Lady Clover, Mysterious story of Avalon: Lost Kingdom. It never publishes the other 32, so the narrow true statement is that this title is not among the three it does name, and that its client carries no seed, no hash and no fairness panel. The rules offer one sentence instead, saying the game runs on a certified random number generator, which you take on trust.

What the 631 Coins Across 187 Rounds Were Worth

Our Piggy Bank Hold & Win Verdict and Rating

Key Terms Used on This Page

Hold & Win

The bonus round where every symbol sticks until the end, started by three coins on the middle row; it carries all 100.60 we won back.

Respins

The counter the bonus round runs on, starting at three, pushed back to three by any new symbol and cut by one on an empty spin.

Royal Jackpot

The top fixed prize, 2,000 times the bet, paid only when all fifteen cells of the stretched 3x5 grid carry a symbol.

Max win

The cap on a single round, 2,500 times the bet, which sits above the Royal Jackpot rather than being it.

Sticky Coin

A coin worth 5x to 9x that lands in the base game and holds its place until a bonus round, though a bought round leaves it behind.

Mystery symbol

The green acorn that resolves at the end of a round into any symbol except a Sticky Coin; we logged 193 of them.

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What Else Do Readers Ask?

Most questions we get about this game are really questions about which Piggy Bank someone opened. Every answer below comes from the rules screen, the jackpot panel or our own 187 logged rounds.