Last updated: 13-07-2026
There are a lot of pokies called "Piggy Bank" from different providers, so worth being clear upfront: this is BGaming's Hold & Win version, running at 96.98% RTP — roughly half a percentage point above most other BGaming titles, and meaningfully above the industry standard. That gap adds up over a long session, which is one of the better arguments for playing this specific build rather than a similarly-named alternative.
It's a compact 3x3 grid that expands to 3x5 during the bonus, with a low-medium volatility profile. Hit frequency sits at 30% — roughly 1 in 3.33 spins — which is unusually high for the Hold & Win format generally; most titles in this category run 15-20%. That means more frequent, smaller engagement rather than long dry stretches between anything happening.
How does the Hold & Win bonus actually work?
Land 3 coin symbols on the centre horizontal reel and the bonus triggers, expanding the grid to 3x5 and starting you with 3 respins. Any new coin that lands during those respins resets the counter back to 3 — and every coin that's landed stays locked in place for the rest of the feature. That's the core Hold & Win loop: keep landing coins, keep the respins alive, and watch the grid fill.
What makes this specific version different is three coloured piggy characters positioned above the grid, each activating randomly during respins. The pink pig triggers Piggy Win, converting 2 or more losing combinations into winners. The green pig triggers Piggy Multiplier, adding a multiplier to whatever coins get collected. The blue pig triggers Piggy Wilds, placing 2-4 wild symbols directly onto the grid. None of these are guaranteed each round — they're random events that add genuine variance to what's normally a fairly passive bonus format in other Hold & Win titles.
| Parameter | Value | Notes |
|---|---|---|
| RTP | 96.98% | Above average for BGaming and for Hold & Win generally |
| Volatility | Low-Medium | Suits casual, modest-bankroll sessions |
| Max win | 2,500x | Modest vs high-volatility alternatives |
| Hit frequency | 30% | Unusually high for Hold & Win format |
| Bonus trigger | 3 coins, centre reel | Starts with 3 respins |
| Bet range | A$0.10 – A$100 | Standard bet range |
| Jackpot tiers | 5 | Fixed, scaling with stake |
| Bonus buy | Available | Weigh cost against low-medium volatility returns |
Is the Buy Feature worth it on a low-medium volatility pokie?
This is worth thinking through more carefully than on a high-volatility title. Piggy Bank Hold & Win already has a 30% hit frequency and a fairly gentle variance profile — the whole appeal is steady, frequent engagement rather than rare, huge outcomes. Buying straight into the bonus skips past that natural rhythm, and because the max win here is a modest 2,500x rather than five figures, the upside from buying in doesn't carry the same weight it might on a Sugar Rush or Gates of Olympus.
If you're specifically after the piggy power mechanics — Piggy Win, Piggy Multiplier, Piggy Wilds — buying the feature does guarantee you'll see them in action sooner. Just weigh that against the fact that the base game's above-average 96.98% RTP is already doing solid work over a longer session without needing to force the bonus.
Author's tip from Ryan Gallagher, Online Casino Reviewer: "If you're after consistent, low-stress sessions rather than a jackpot chase, this is one of the more sensible RTP picks in the catalogue. Let the bonus trigger naturally a few times before deciding whether the Buy Feature is worth the extra cost for you."
Piggy Bank Hold & Win is 18+ like every game on Level Up. Low-medium volatility makes it a reasonable option if you want steadier, more frequent engagement without the long dry spells typical of higher-volatility titles — demo mode is available if you want to test the piggy powers before playing for real money.
