Monster Money Slot Review
A pale full moon hangs behind a gothic mansion’s turrets, two bats flapping across it and a single orange window glowing in the gable. Beneath all that storybook Halloween, Monster Money from Reflex is less a waiting game than a planning one: it hands you more ways to engineer your way into the free spins round than almost any slot on the shelf, and I’d argue that’s the actual game here.
The spec sheet underneath reads 5×4, 20 fixed paylines, high volatility, a total RTP of 94.0%, and stakes from 0.10 to 100 per spin. A respin on two scatters, a bet that doubles your trigger odds, a monsters-only mode and two different buys all lead to the same destination. Whether that destination is worth the fare is the honest question.
Base Game & Features
The base game is a straightforward 5×4 affair. Wins pay left to right across the 20 winlines, with a 25.8% hit frequency, so roughly a quarter of spins return something. High volatility means those returns are usually modest while the serious money sits in the bonus ladder.
Dracula leads the pays in his red cloak, followed by a gravestone and a coffin. A hand marked as any monster fills the mid-tier, with royals propping up the bottom. Each pays the following at the maximum stake of 100:
- Dracula (red): 500.00 for five, 10.00 for four, 2.50 for three, 0.20 for two
- Gravestone: 100.00 for five, 10.00 for four, 2.50 for three, 0.20 for two
- Coffin: 50.00 for five, 7.50 for four, 1.50 for three
- Eyeball / Potion Bottle: 25.00 for five, 5.00 for four, 1.00 for three
- Any Monster (Hand): 10.00 for five, 2.50 for four, 0.50 for three
- A / K: 5.00 for five, 1.20 for four, 0.10 for three
- Q / J / 10: 2.50 for five, 0.50 for four, 0.10 for three
Max Play Mode
Max Play is the unusual one. Activating the button swaps the base game for an alternative version at the same bet, where the reels contain only Monsters, Monster Hunters and Bonus symbols. Every regular pay symbol is replaced by a pumpkin with no prize value.
Monster Hunter symbols are added in this mode, activating monster awards. It’s a deliberate narrowing of the reels towards the features, at the cost of the standard paytable.
Golden Bet
Golden Bet costs 1.5x your standard bet and doubles the chance of triggering the free spins. It adds a Bonus Respin: whenever two bonus symbols land, the reels without one spin again for a second chance. It works in both Standard and Max Play modes.
The paytable and cash fish awards don’t increase with the higher stake, so you’re paying purely for the extra trigger chance.
Dual Gamble
Any base game win can be gambled, depending on configuration, with wins of 5x or more always qualifying. Two wheels are offered. The left multiplies the current prize by 1.5x, 2x, 3x, 5x or 10x; the right trades the prize for 5, 10, 15, 20 or 25 free spins.
Gambling continues until the prize is collected, lost, or the maximum is reached. The free spins side switches off once you’re past the highest entry level.
Monster Money Free Spins & Bonus Features
Free Spins Bonus
Three or more bonus symbols anywhere in view start the round. The awards step up with the trigger:
- 3 bonus symbols: 10 free spins
- 4 bonus symbols: 15 free spins
- 5 bonus symbols: 20 free spins
On entry, the lowest value monster on the reels is upgraded to the next level. From there the round runs on a collection loop: Monster Hunter symbols landing during the bonus are added to a trail, and every three collected activates the next upgrade once the current spins run out. Each upgrade lifts the lowest value monster a level and pays an extra 10 free spins.
Hunters can also carry a multiplier of 1x, 2x, 3x, 5x or 10x, applied to any monsters they catch. One quirk rewards patience: a Hunter landing with no monsters in view locks in place until monsters arrive or the round ends.
Bat Bonus Modifier
Every bonus symbol that lands sends a bat flying into the castle, and at the end of the spin a lightning strike may follow. When it does, a wave of bats pours back out and crashes into the reels without a bonus symbol, transforming each position into an extra one, with a minimum of one guaranteed.
It’s a scatter-completion mechanic. Land a lightning strike and the enhanced Super Free Spins round is yours, no further trigger needed.
Super Free Spins
Super Free Spins is the enhanced version, reached through the Bat Bonus. It starts with one or more upgrades already applied: the trail can be seeded from the off, the minimum monster that can land is raised, or a floor is set under the multipliers Hunters can display.
In effect, the round begins partway up the ladder the standard bonus spends its spins climbing.
Bonus Buy
Both bonuses can be bought outright. The standard round guarantees three or more scatters; the premium option force-triggers the Bat Bonus and arrives in Super form with upgrades attached:
- Free Spins: 100x base bet, guaranteed 3+ bonus symbols
- Super Free Spins: 200x base bet, Bat Bonus guaranteed, upgrades included
Our Honest Verdict
Overall Rating: 7.1/10
This is a slot you play with a plan. Most of your time goes into deciding how to get into the free spins: bet more, swap the reels, gamble a win, or just buy the door open. That’s the one reason to pick it, and the haunted-mansion dressing is good enough that the planning never feels like homework.
The free spins round is the best thing here, because the upgrade trail makes a bonus that grows rather than one that just plays out. Against that stands the return: 94.0% is thin next to what most studios are shipping, and no amount of moonlight makes up for it.
It’s for players who like choosing their own route into a bonus and don’t mind a lean base paytable while they walk it. Anyone who wants a big stated number to chase will find this mansion has fewer rooms than advertised. For everyone else, the bats know the way in.
Monster Money FAQs
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What is the RTP of Monster Money?
The RTP is 94.0%. That’s the total expected return for the game, and it sits below the 96% or so most modern slots offer. -
Is Monster Money high volatility?
Yes. Monster Money is a high volatility slot, so wins are less frequent but can be larger when they land. Roughly a quarter of spins return a prize. -
How does the Bat Bonus work in Monster Money?
Every bonus symbol sends a bat into the castle. A lightning strike may then follow, releasing a wave of bats that transform positions without a bonus symbol into extra bonus symbols, at least one guaranteed. Strike lucky and the Super Free Spins bonus is guaranteed. -
How do you trigger free spins in Monster Money?
The round needs bonus symbols in view: three awards 10 free spins, four awards 15 and five awards 20, with the lowest value monster upgraded on entry and a further 10 spins for every three Monster Hunter symbols collected. -
Can you buy the bonus on Monster Money?
Yes. The Free Spins bonus costs 100x your base bet and guarantees three or more bonus symbols. Super Free Spins costs 200x and guarantees the Bat Bonus modifier with upgrades attached. -
What is Max Play mode in Monster Money?
Max Play is an alternative version of the base game at the same bet. The reels keep only Monsters, Monster Hunters and Bonus symbols, with regular pay symbols replaced by a pumpkin worth nothing. Monster Hunters also come into play here, activating monster awards. -
How many paylines does Monster Money have?
Monster Money has 20 fixed paylines on a 5×4 grid, paying left to right. -
What is the minimum and maximum bet on Monster Money?
Betting starts at 0.10 and tops out at 100 per spin. Golden Bet raises the cost by 50% and doubles the chance of triggering free spins.
