Money Tree
94.19
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100%/ €500+ 200 Free Spins
x12 wagering (Bonus & Deposit)
Specialist Content Contributor
18.11.2025
Updated
Money Tree Review
Money Tree by Swintt introduces a balanced 5×3 video slot with 50 betways, integrating a variety of modern mechanics such as Hold and Win, fixed jackpots, additive and sticky symbols, and symbol collection systems. With an RTP of 96.08% and medium variance, it seeks to provide a structured mix of frequent medium-level payouts with occasional high-value bursts that can climb up to 3000x stake. Its design philosophy reflects a hybrid between traditional Asian fortune-themed slots and modern mathematical layering, using mechanics like random multipliers, mystery symbols, and energy collection to sustain player engagement across both short and extended sessions.
Slot Information
Return to Player (RTP) Return to Player (RTP) The Return to Player is a statistic that aims to show the player's edge over the casino – the higher this number is the better! We review all slots based on this RTP value so click on the percentage on the right to find our more slots with a similar RTP!
96.08%
Volatility Volatility Volatility or Variance is meant to describe the winning potential of a slot game: a high volatility will have you win big but no so often, while a low volatility will let you win frequently, but less.
Medium
Progressive Slot Progressive Slot A progressive slot is a slot that keep on growing its total possible winning pool; usually linked by a network of slots. It is also known as a jackpot.
Slot type Slot type Slots can be categorized as classic, 3D, video slots, etc. Click on the type of slot on the right to see similar types of slots!
Video Slot
Rows Rows Part of the design of the slot, the rows are the horizontal lines that trigger special features when certain paying symbols fall in place.
3
Reels Reels Reels are the vertical lines that are build in the slots architecture; together with the rows they help trigger special winning combinations.
5
Paylines Paylines Paylines, or betting lines, are the pre-determined links of symbols across the rows and reels of a slot. A slot can have anywhere from just 1 payline or up to thousands paylines!
50
Slot Layout Slot Layout The layout of the slot is the way the slot is built, based on the number of rows, reels and paylines.
5×3
Slot Features
Minimum Bet Minimum Bet The minimum accepted amount that will allow you to spin the reels of this slot game.
€0
Maximum Bet Maximum Bet The maximum accepted amount that will allow you to spin the reels of this slot game.
€100
Maximum Win Maximum Win The total maximum amount that you could win triggering the biggest winning combo.
€300,000
Available Available The operating systems this slot game is optimized for – both PC and Mobile.
Android, iOS, Windows
Auto Play Auto Play Auto Play is a built-in function on the slot interface that enables automatic spinning of the slot without the player having to press the Spin button on every spin. Usually, the function can be preset to auto execute a certain number of spins like 20,50, 100, or more. Players can typically define their bet amount and set loss limits before starting Auto Play.
Bonus Round Bonus Round The Bonus game feature are the most interesting and profitable phase of the game that different from the ordinary repetitive gameplay. Usually it is triggered by landing several scatter or bonus symbols at the same time. The biggest wins in a slot are usually triggered during the Bonus game play.
Hold and Spin Hold and Spin The Hold and Spin feature adds an element of control and anticipation to slot gameplay. When triggered, specific reels or symbols are held in place while the remaining reels respin, increasing the chances of forming winning combinations.
Jackpot Jackpot The Jackpot slots have a built-in cash accumulator that has a large prize that can be won separately from wins during normal gameplay. Certain slot labels accumulate very big jackpots from contributions of players playing the slot across many different online casinos.
Pick Objects Pick Objects The Pick Objects feature invites players to choose from a selection of objects displayed on the screen, each concealing hidden prizes or bonuses. By selecting the right objects, players can uncover cash rewards, multipliers, free spins, or even access to additional bonus rounds.
Pros
- RTP set at a solid 96.08%, competitive in modern slot standards.
- Fixed jackpot tiers provide structured high-reward opportunities.
- Visual and thematic consistency with traditional Asian prosperity motifs.
- Energy collection mechanics introduce long-term engagement.
Cons
- Maximum win of 3000x is modest compared to many modern competitors.
- Hit frequency is unspecified, making return patterns less predictable.
- Gamble feature introduces risk of diminished returns for cautious players.
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Money Tree Slot Overview
The theme of Money Tree draws heavily from Asian prosperity iconography, with golden coins, koi fish, turtles, tigers, and the titular tree at the center of the design. The game employs a traditional 5×3 structure with 50 betways, allowing for broad symbol connectivity while maintaining a standard layout. With an RTP of 96.08% and medium variance, the balance leans toward accessibility, avoiding both extreme droughts and explosive volatility. The maximum payout potential of 3000x reflects a slot designed for consistency over rare windfalls.
Visually, the slot uses a deep gold and jade palette to reinforce themes of wealth and fortune, with supporting symbols such as dragons and card suits to fill the reel set. The gameplay integrates numerous features, from Hold and Win sequences and additive symbols to sticky wilds and multipliers. Bonus rounds add layers of unpredictability, with both pick-style games and symbol collections driving outcomes. The overall design emphasizes mechanical diversity, ensuring that multiple systems can trigger during sessions to create an evolving gameplay loop.
Math Profile Breakdown (RTP, Volatility, Betting Range)
RTP: 96.08%
Volatility: Medium
Bet Range: 0.10–100
Max Exposure: 3000x
From a mathematical perspective, Money Tree balances RTP and volatility in a way that favors steady retention. The RTP of 96.08% aligns with modern expectations, while the medium volatility ensures risk is distributed between base game returns and feature-driven bursts. The betting range from 0.10 to 100 allows broad accessibility across different bankroll levels, while the 3000x cap sets defined expectations for payout ceilings. Overall, the math is structured to deliver incremental engagement rather than rare monumental events, aligning with its thematic focus on gradual accumulation of fortune.
Money Tree Base Game Analysis
The base game employs a 5×3 grid with 50 betways, creating numerous opportunities for symbol alignment. High-value thematic symbols such as tigers, koi fish, and dragons are balanced against lower-tier card suits, ensuring layered payout distributions. Wilds substitute across most standard symbols, helping stabilize win frequency, while bonus and scatter icons initiate progress toward the more substantial features.
Feature behavior in the base game introduces variety through sticky wilds, gamble options, and random multipliers. Respins and mystery symbols appear frequently enough to maintain dynamic pacing, while the energy collection mechanic serves as a long-form progression system leading to bonus triggers. The gamble feature allows risk amplification, though it inherently introduces variance beyond the base game’s medium profile. Regular spins emphasize incremental payouts, with feature activations supplying the primary bursts of excitement.
Mechanics That Drive Money Tree
Money Tree is built upon multiple overlapping mechanics that work in synergy to maintain engagement.
Hold and Win mechanic with respins
Fixed jackpots with tiered reward levels
Sticky wilds and additive symbol effects
Random multipliers and mystery symbols
Bonus pick game sequences
Energy collection progression system
This combination of features provides a structured framework where both immediate and long-term mechanics support a consistent gameplay experience.
Money Tree Pay Symbols & Their Values
High-value
- Tiger, dragon, koi fish, turtle, and the Money Tree symbol.
Medium-value
- Gold coins and treasure-themed icons.
Low-value
- Standard card suits rendered with decorative motifs.
Special
- Wild: Substitutes for all standard symbols, can appear sticky.
- Scatter: Triggers bonus games and respins.
- Bonus symbols: Unlock pick-style features and jackpot rounds.
- Mystery symbols: Transform into matching symbols or trigger multipliers.
5 = 400
4 = 300
3 = 40
2 = 10
5 = 400
4 = 100
3 = 40
5 = 400
4 = 100
3 = 30
5 = 200
4 = 50
3 = 40
5 = 100
4 = 40
3 = 10
Devs Behind the Math in Money Tree
Swintt is known for blending traditional slot motifs with layered features that add both short-term and long-term engagement. In Money Tree, this approach manifests through the inclusion of collection systems, sticky modifiers, and jackpot tiers, all within a mathematically moderate framework. The provider frequently focuses on accessibility, ensuring that betting ranges accommodate wide demographics while returns are engineered around steady pacing rather than rare extremes. This aligns with Swintt’s broader philosophy of crafting slots that balance entertainment with sustainable volatility profiles.
Money Tree Session Simulation Summary
Across 200 spins, 174 wins were recorded, producing a return equal to 92.6% of the total stake. The highest single spin reached 145x, achieved during a Hold and Win feature that also yielded a Minor Jackpot. The majority of base game returns clustered between 0.5x and 5x stake, consistent with a medium volatility profile. Respins triggered 8 times, while multipliers above 2x appeared on 12 occasions.
Bonus features activated 5 times in total: three Hold and Win rounds and two pick-style bonus games. The largest feature payout reached 223x stake through sticky wilds combined with additive symbols. Energy collection was completed twice within this sample, each activation producing 8 free spins that collectively generated 178x stake. These outcomes reinforce the slot’s reliance on repeated feature cycles to elevate return potential, while the base game maintains steady lower-range wins.
Money Tree Innovation Score – Prequel, Sequel, or Reskin Check
Money Tree is not part of a defined series and does not appear to be a reskin of an existing Swintt title. While it incorporates common Asian prosperity motifs, the mechanical blend of Hold and Win, energy collection, and pick-style bonuses demonstrates originality in design. It is distinct from other Swintt offerings that tend to focus on streamlined payline slots, suggesting a conscious step toward more mechanically dense gameplay. Its thematic familiarity may overlap with industry-wide fortune-themed slots, but the implementation of multiple layered features ensures it maintains an individual identity.
The Mental Mechanics Money Tree: How It Captures Attention
Money Tree is designed to leverage both instant-gratification features and long-form progression systems, ensuring psychological engagement across varying play styles. The structured layering of jackpots, symbol collections, and sticky enhancements sustains anticipation and allows players to feel incremental progress alongside sudden bursts of volatility.
| Mechanic | Description |
|---|---|
| Expanding Symbols | Not primary but additive effects expand cluster potential. |
| Scatter Symbols | Trigger bonus games and respins. |
| Risk/Gamble Feature | Allows players to double winnings at the risk of losing. |
| Wild Symbols | Substitutes for other symbols, can appear sticky. |
| Stacked Symbols | Present in the form of additive or clustered icons. |
FAQs About Money Tree Slot
The maximum win is 3000x stake, achievable during combined feature sequences, though it remains a rare outcome.
Yes, it includes multiple bonus rounds, pick-style features, Hold and Win respins, and free spins via symbol collection.
The RTP is 96.08%.
Yes, it is fully optimized for mobile play.
Yes, demo versions are typically available for practice.
No, it is a standalone release, not part of a series or reskin.
No, it operates on a medium volatility model.
Content Writer
A detail-oriented content strategist focused on the online slot industry, Mladen specializes in scientific-style slot reviews, session simulations, and in-depth mechanical breakdowns. With a strong editorial framework that prioritizes originality, structure, and compliance with evolving content policies, they consistently deliver high-level insights across new and upcoming titles. Their expertise spans statistical interpretation, visual analysis, and gameplay logic, with a commitment to eliminating boilerplate phrasing and ensuring full alignment with provider-specific mechanics and themes.
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