Fat Banker slot review

Fat Banker slot: what you need to know

Fat Banker is set in 1920s New York, with the Banker, his wife and his dog touring Manhattan against a skyline backdrop. Under the styling sits a high-volatility game with fixed paylines, instant-prize symbols and a free spins round where the Banker character physically grows on the reels. The figures below come from the developer's published specification and the studio's launch announcement.

For more games reviewed on the same basis, see our slot reviews hub.

How the features work in Fat Banker

Fat Banker runs on a simple loop. In the base game, prize symbols need a partner before they pay; in the bonus, a character gets bigger the more he collects. Here is how the pieces connect, before the base game and free spins sections further down go into the numbers.

• Bullion and the Silver Safe: Bullion symbols show cash prizes, but those prizes stay unpaid until a Silver Safe lands on reel six. The safe is what turns the values on screen into a win.
• The Red Car: after a spin, a Red Car can drive through and add Wild Money Bags with multipliers, extra Safes and more Bullion, so a spin that looked empty can still be rescued once the reels stop.
• The trigger: the free spins need two things on the same spin, the Fat Banker wild and a Wild Money Bag. That pairing gives you five free spins.
• The growing Banker: in the round, the Banker collects Wild Money Bags along with their multipliers. Each one fills a meter, and filling it makes him bigger on the grid and awards extra spins.

Because the extra spins come from collecting bags, the bonus can be short or long depending on how many arrive. A bigger Banker also covers more of the grid, which is the visual signal that the round is building.

British players can't pay straight into the bonus, because feature buy-ins aren't offered here. An independent rundown is in OLBG's Fat Banker review (opens in a new tab), and our bonus rounds guide explains how collection rounds like this compare with other designs.

The Fat series and where Fat Banker fits

Push Gaming's Fat series is built around big, cartoonish lead characters, and the games in our checked data all use 50 fixed paylines. Fat Banker arrived four years after the first game.

Fat Rabbit and Fat Santa play on 5×5 grids, so Fat Banker's 6×6 layout is a step up in size. Both also come in a 94.15% version, so the habit of supplying a lower-RTP option runs through the series. If you enjoyed the festive version, our Christmas slots page lists similar seasonal games.

Push Gaming, the studio behind Fat Banker

Push Gaming is headquartered in London with an office in Malta, and was co-founded by James Marshall, its chief executive. LeoVegas Group, part of MGM Resorts, announced a majority stake in May 2023. In Great Britain the studio is licensed by the Gambling Commission as Push Gaming Holding Limited, account 054984, and it also holds licences in Malta, Ontario and Romania.

Its best-known slots include Jammin' Jars, Razor Shark and Big Bamboo. At Fat Banker's launch, Marshall said the game expands the Fat series while adding its own twist to the franchise.

How 50 fixed paylines work on the Fat Banker grid

Unlike Megaways or 'ways' games, Fat Banker uses fixed paylines. All 50 lines are always active, wins pay left to right on adjacent reels, and your stake is spread across every line. You cannot switch lines off to save money.

The arithmetic is simple. A 10p spin covers 50 lines at 0.2p each; a £1 spin covers them at 2p each. The four card suits are the low-paying symbols, while the top hat, cigar, dog and the Banker's wife are the premium ones. The paytable shows what each combination is worth at your current stake, so open it after changing your bet.

The Fat Banker symbol is the wild and substitutes for all symbols except the Silver Safe, Bullion and multiplier symbols. Read how this compares with ways to win if you are used to Megaways games.

Bullion, Silver Safes and the Red Car

Two features drive the base game. Bullion symbols are instant prizes that can land on reels one to five, showing 1x, 2x, 3x, 5x, 10x, 25x, 50x or 100x the stake. They only pay when a Silver Safe lands on reel six in the same spin. Without the safe, the Bullion values on screen are not awarded.

Worked example: on a 50p spin, a 10x and a 25x Bullion land along with a Silver Safe on reel six. The prizes add up to 35x, or £17.50. Had the safe not appeared, those two symbols would pay nothing.

The Red Car can drive past at the end of a spin and randomly add Wild Money Bags (which can carry multipliers), Silver Safes and Bullion symbols to the reels. It is a random modifier, not something you can trigger at will. Our page on multipliers explains how attached multipliers work in general.

Fat Banker free spins: the growing Banker

The bonus starts when the Fat Banker lands together with a Wild Money Bag. You begin with five free spins. During the round the Banker moves onto Wild Money Bags and collects them, filling a progress meter. As the meter fills, the Banker grows bigger on the grid and more free spins are added.

Money Bags can land with multipliers attached. These are collected and accumulate, and from then on they multiply any win the Banker creates. The Red Car is upgraded to a Gold Red Car in this round, placing Wild Money Bags or random instant-prize symbols on the grid, which can enlarge the Banker and award further spins. The launch material also lists a Fortune Link feature without describing it, so check the paytable for how it works in your version. Our general guide to free spins features puts this design in context.

The developer does not publish how often the bonus triggers, and we do not quote unofficial figures. Treat every spin as independent.

Fat Banker RTP: 96.43% or 94.45%

Fat Banker exists in two versions. At 96.43% the expected cost is £3.57 per £100 staked; at 94.45% it is £5.55. The lower version costs about 55% more for the same game. The casino decides which to run, and the information screen tells you which one you are playing. Our guide to slot RTP explains how these figures are certified.

What £20 on Fat Banker looks like at 10p, 50p and £1

High volatility means the RTP is earned through occasional large results, mostly from the Banker feature and Bullion prizes, while many spins return little. Spin size changes how many chances you get from a fixed budget, not the percentage cost.

• 10p: 200 spins from £20, about 0.36p average cost per spin at 96.43%.
• 50p: 40 spins, about 1.79p average cost per spin.
• £1: 20 spins, about 3.57p average cost per spin, and a high chance the session ends before any bonus.

The more often you recycle wins, the more you stake in total and the closer your result tends to drift towards the expected cost. Our page on expected value shows the formula, and how long £20 lasts on a slot runs through more scenarios.

The Fat Banker max win of 25,000x

The top prize is 25,000 times the stake. The table converts it into pounds at stakes UK players can use.

It is a cap on one round and is reached very rarely. Our explainer on max win caps covers what happens when a round hits the limit.

How to play Fat Banker online

1. Sign in to a UK-licensed casino after completing age and identity checks.
2. Open Fat Banker and check the RTP line in the rules: 96.43% or 94.45%.
3. Pick a total stake; all 50 lines are always played.
4. Spin manually. Watch for Bullion on reels one to five and a Silver Safe on reel six.
5. Stop at the time or spend limit you set before starting.

Fat Banker and UK slot rules

British players can stake up to £5 a spin at 25 and over and £2 at 18 to 24, as set out in the Commission's online slots stake limit guidance (opens in a new tab). Spins take at least 2.5 seconds, there is no autoplay or turbo, and net position and time are on screen. Since a Gambling Commission warning in January 2020 (opens in a new tab), feature buy-ins are not offered to British players, so the Banker round is reached only through normal play. Our UK game design rules page lists every requirement.

Where to play Fat Banker in the UK

None of our partners' welcome offers is linked to Fat Banker, so check each casino's slot lobby first. These are slot deals for new players aged 18+; terms apply.

• PlayOJO: 80 free spins on Big Bass Bonanza at 10p each with a first deposit of £10 or more. Winnings are paid in cash with no wagering. New UK customers excluding Northern Ireland; designated offer link only.
• Coral: bet £10 on slots after a qualifying deposit to get 100 free spins at 10p on selected games, accepted within 48 hours and valid 7 days. No wagering on winnings; e-wallets such as PayPal and Skrill don't qualify.
• Ladbrokes: spend £10 on slots and receive 50 free spins daily for 10 days, a maximum of 500, at 10p on selected games. Claim before 23:59 each day; spins last 7 days; no wagering.

Coral and Ladbrokes are run by the same operator, so you may only be able to join one as a new customer. For confidential support, GamCare's helpline and chat (opens in a new tab) are free and open 24 hours a day.

18+. Every casino game has a built-in house edge, so over time you should expect to lose what you stake. Set a budget before you play and stop when it’s gone: safer gambling tools and support. Free, confidential help: National Gambling Helpline 0808 8020 133.