Crack More Piggy Banks Review

Quick Stats

Detail	Value
Game name	Crack More Piggy Banks
Provider	Penguin King (an in-house studio of Octoplay, Malta)
RTP	92.76% (per SlotCatalog and Clash of Slots; the studio’s published range is 92.7%–92.83%)
Volatility	Not officially published by the provider. Functionally medium–high based on the bonus-dependent payout structure
Max win	5,000x stake
Min bet	~A$0.15 (USD $0.10 base — varies by platform and FX)
Max bet	~A$155 (USD $100 base — varies by platform and FX)
Paylines / ways to win	5 fixed paylines on a 5×3 grid
Bonus buy / Double Chance	Yes — “Double Chance” costs 1.4x the base stake per spin
Mobile compatible	Yes (HTML5, ~16.3 MB)
Free demo available	Yes (via game database sites such as SlotCatalog and Clash of Slots)
Release date	2 December 2025

What is Crack More Piggy Banks?

Crack More Piggy Banks is a 5-reel, 3-row pokies machine released in December 2025 by Penguin King, an in-house studio under Malta-based developer Octoplay. The theme is, predictably, gold-loving cartoon pigs and money — a shameless extension of the long-running “piggy bank” sub-genre that Pragmatic Play, NetEnt and Octoplay itself (with the earlier Break More Piggy Banks) have all worked over.

Mechanically, the game is a Hold & Win pokies machine with a coin-collection layer. You spin a small 5-payline grid and try to land Golden Coin symbols. Each coin is collected by one of five piggy banks sitting above the reels. Every coin landing has a chance to either crack its piggy bank — triggering the Hold & Win bonus round — or boost that bank’s multiplier (up to a maximum of x3). The big-money outcomes all sit inside the bonus round, not the base game.

This is a pokies machine for bonus hunters and Hold & Win fans — players who don’t mind grinding a low-feature base game in exchange for the chance to reach the bonus round and chase the Grand Jackpot. It is not suited to casual spinners looking for steady base-game wins, and it is not a high-roller game — the 5,000x cap is modest by 2026 standards.

How Crack More Piggy Banks plays

1. Set your stake using the bet selector. The published range is roughly A$0.15 to A$155 per spin, though most offshore platforms display bets in USD or crypto, so the exact AUD equivalent shifts with the exchange rate.
2. Spin the 5×3 grid. Wins form left-to-right across 5 fixed paylines. Standard symbols include a Golden Scales (top payer), Top Hat, Goblet, Cocktail, and the usual A/K/Q/J/10 royals.
3. Watch for Golden Coins. When a coin lands on a reel, it is collected by the piggy bank above that reel. Each coin shows a cash value of 1x, 2x, 3x, 5x, 7x or 10x your stake.
4. A bank either cracks or grows. On any spin a piggy bank can either crack open (triggering the Hold & Win bonus) or have its multiplier increased by one step (capped at x3). It cannot do both in the same spin.
5. Optionally activate Double Chance — a paid feature that costs 1.4x your normal stake per spin and increases the chance of triggering the bonus. (See the dedicated section below before using this.)
6. Hold & Win bonus — once triggered, you get 3 respins, regular symbols disappear, and only Golden Coins, Jackpot Coins, Collector symbols and empty spaces remain. Each new coin or jackpot symbol resets the counter back to 3.
7. End your session by closing the game, or hitting your pre-set loss/time limit. Set both before you start spinning.

Bonus features and special mechanics

Cash Prizes (Golden Coins)

Golden Coin symbols can land in the base game carrying values of 1x, 2x, 3x, 5x, 7x or 10x your stake. They are collected by the piggy bank above their reel rather than paid out immediately. This is the funnel that feeds the Hold & Win round.

Piggy Multipliers

Each of the five piggy banks above the grid carries a multiplier. The middle bank starts the session at x2; the others at x1. Multipliers grow one step at a time when coins are collected, capped at x3. During the Hold & Win round, when a Collector symbol gathers coins from a reel, those coin values are multiplied by that piggy bank’s multiplier. Multipliers reset to default when the bonus ends.

Hold & Win

The signature bonus. Triggered when any piggy bank cracks open during a base spin. You get 3 respins. Only Golden Coins, Jackpot Coins, Collector symbols, and empty spaces appear. Every new coin landing resets the counter back to 3 spins. Collector symbols grab the values of all coins on their reel and multiply them by the piggy bank multiplier above. The round ends when no respins remain — or earlier if the Grand Jackpot is awarded.

Fixed Jackpots

Five jackpot tiers, awarded only inside the Hold & Win round:

Tier	Payout
Mini	20x stake
Minor	50x stake
Major	100x stake
Maxi	250x stake
Grand	2,500x stake — only awarded if all 5 piggy banks crack within the same Hold & Win round

Double Chance (paid bonus bet)

Costs an extra 0.4x your base stake (so 1.4x total per spin) and increases the probability of triggering the Hold & Win bonus. The game’s overall RTP does not improve materially when this is active — you are paying a 40% premium per spin for a higher bonus-trigger frequency, not for better long-term value. Read the RTP section below before deciding whether to use it.

RTP and volatility — what it means for your session

The published RTP for Crack More Piggy Banks is 92.76%. This figure is widely listed across slot databases including SlotCatalog and Clash of Slots and is consistent with Penguin King’s overall studio range of 92.7%–92.83%.

That number matters. The online pokies industry standard is around 96%, and many Aristocrat and IGT-licensed pokies sit between 96% and 97%. At 92.76%, Crack More Piggy Banks returns roughly A$92.76 of every A$100 wagered over the very long run, meaning your expected loss is around A$7.24 per A$100 wagered. By comparison, a 96.5% RTP pokies machine has an expected loss of A$3.50 per A$100 — less than half. The difference compounds quickly across a session.

Volatility is not formally published by the provider, and the SlotCatalog data sheet lists it as N/A. Based on the game’s structure — a thin base game, a Hold & Win round that is the source of nearly all meaningful payouts, and a 2,500x Grand Jackpot gated behind a five-bank-cracks-in-one-round condition — the practical experience is medium-to-high variance. Long stretches of small or no wins between bonus triggers are normal. When the bonus does hit, payouts can range from underwhelming to occasionally very large. Bankroll discipline is essential — do not size your stake assuming the bonus is “due.”

The Double Chance / bonus bet feature deserves a specific warning. Adding 40% to your cost per spin in exchange for a more frequent bonus trigger is a structural cost increase, not a value upgrade. Players who toggle it on without modelling the maths will burn through bankroll noticeably faster.

Bet range and bankroll guidance

• Minimum bet: approximately A$0.15 per spin (USD $0.10 base — converted at current rates; offshore platforms typically denominate in USD, EUR or crypto)
• Maximum bet: approximately A$155 per spin (USD $100 base)

Practical session sizing using AUD examples:

• A$20 budget at A$0.20 per spin → ~100 spins. Suitable for a short demo-style session at minimum stakes.
• A$50 budget at A$0.50 per spin → ~100 spins. A typical small-stakes session length.
• A$100 budget at A$1.00 per spin → ~100 spins. Modest mid-stakes — likely enough to see the Hold & Win bonus once or twice on average.

Note that activating Double Chance lifts your effective spin cost by 40%, so an A$1.00 base stake becomes A$1.40 per spin and the same A$100 budget gives you ~71 spins instead of 100.

This game does not require high stakes to access any feature — the Hold & Win, multipliers and Grand Jackpot are all available at minimum bet. There is no mechanical reason for an Australian player to bet large.

Set a budget before you start. Do not chase losses. The bonus round is not “due” no matter how long it has been since the last trigger.

Free demo availability

A free demo version of Crack More Piggy Banks is available on game-database and review sites such as SlotCatalog and Clash of Slots, no registration required. The demo runs in your browser using HTML5 and behaves identically to the real-money version in terms of mechanics, RTP and feature triggers — the only difference is that demo credits have no cash value.

Australian players are strongly advised to try the demo first before committing real money. The 92.76% RTP and bonus-dependent payout structure are best understood through play, not through marketing copy. Spending 30 minutes in demo mode will give you a far more accurate sense of how often the Hold & Win triggers, how it pays, and whether the gameplay loop is something you actually enjoy.

Where Australians may encounter Crack More Piggy Banks

The platforms below are listed for informational purposes only. They are offshore operators that have publicly listed Crack More Piggy Banks in their game libraries. None hold an Australian gambling licence, and we provide no links or referrals.

• Stake.com — Curaçao-licensed crypto-first casino. The game is publicly listed in Stake’s Penguin King library. Stake supports a range of cryptocurrencies; AUD support is limited or routed via crypto conversion.
• Rainbet — Curaçao-licensed crypto casino. The game is listed under Penguin King in their slots library.
• Roobet — Curaçao-licensed crypto casino. The game is distributed via the Hub88 aggregation network and listed in Roobet’s catalogue.

Underlying distribution is via Octoplay’s licensing arrangements (the parent company holds licences from the Malta Gaming Authority, the UK Gambling Commission, Spelinspektionen (Sweden), ONJN (Romania), the Hellenic Gaming Commission and iGaming Ontario — but not the Australian Communications and Media Authority, which does not licence online casinos in any case).

Verdict

Crack More Piggy Banks is a competently built but unremarkable Hold & Win pokies machine in a category that is now genuinely crowded. Its strongest selling point is the polished Hold & Win bonus with the cracking-banks visual hook; its biggest risk is the 92.76% RTP, which is meaningfully below the 96% industry standard and translates to noticeably faster bankroll burn over any session of length. The Double Chance bonus bet quietly compounds that problem by lifting your cost per spin by 40% in exchange for a higher trigger rate, not a higher long-run return.

The game suits dedicated bonus hunters who specifically enjoy the Hold & Win format and understand they are paying a higher house edge for that experience. It does not suit casual spinners, value-conscious players, or anyone weighing it against Aristocrat- or NetEnt-style pokies in the 96–97% RTP range — those alternatives offer materially better expected returns for the same money.

Verdict: not recommended for sustained real-money play given the sub-industry RTP. Worth a free demo session if the Hold & Win mechanic appeals; if you want to play similar mechanics for real money, choose a 96%+ RTP alternative in the same sub-genre.

FAQ