How Does RTP Work in Real Slots for Money?

11 September 2023 < 1 minute to read
Spread the word

US players who play real slots for money want to know their chances of winning. To determine your odds of winning look at the game’s RTP or Return to Player Percentage. 

That’s why it’s important to play slots online for real money with high RTPs. Then again, RTP does not necessarily guarantee you a win. Yet, it’s a good indication of the slot’s paying potential.


What is the Payback Rate or RTP?

If you play April Fury and the Chamber of Scarabs the RTP of the slot is 96.20%. Let’s say you put $100 into the slot machine, the RTP states that it will pay back $96.20 over time.

The slot’s house edge takes $3.8 for every $100 you stake. It’s best to pick a slot game that pays real money with a high RTP. The higher the RTP the more money it pays out, right?

Not always, slot games with the same RTPs can have different hit frequencies and jackpots. Slot machines online for real money with RTPs as low as 90% are tighter but they also have bigger jackpots.

Real Slots for Money Highest RTPs

Slot Game RTP Bonus Best Casino to Play Play
Slam Dunk Spins 96.33% 300% up to $2,000+20 FS MYB Casino
Bounding Luck 96.28% 150% up to $750 BUSR
Captain's Quest: Treasure Island 96.28% 250% up to $6,000 Super Slots Casino
Hearts Desire Hearts Desire 320% up to $3,000 Wild Casino
Wild Drops 96.11% 500% up to $3,000+25FS BigSpin Casino

slam dunk spins slot

1. Slam Dunk Spins

Slam Dunk Spins is a great slot with a basketball theme that appeals to Americans who love the game. Nucleus Gaming whips up an RTP of 96.33% along with Free Spins and Expanding Wilds.

When 3 or more scatters line up on the reels you launch the free spins feature and receive scatter pays. The slot is of medium volatility and the premium symbol pays 50x the stake for 5.

Though the jackpot of 500x your stake is not big. It more than makes up for that with its high RTP and special features.

bounding luck slot

2. Bounding Luck

With its distinct Asian theme, Bounding Luck slot celebrates the Chinese New of the Rabbit. Betsoft Gaming released the slot in January 2023 with a truckload of special features.

Let’s start with the best slot to play online for real money’s RTP of 96.28%. It’s suitable for all budget types with bets starting from $0.25 to $50 per spin. You can play the slot at BUSR with a welcome bonus of 150% up to $750.

Next in line is the Free Spins feature that triggers a maximum of 20 free spins for 5 scatters. You can buy the free spins if you don’t want to wait for 3 or more scatters to pitch.

There’s also a Free Spins Collector Bonus that upgrades the symbols during the free spins. So, all in all, the slot offers good value for money with its high payback rate.

captins quest slot

3. Captain’s Quest: Treasure Island

Betsoft’s Captain’s Quest: Treasure Island wows with its pirate theme and 25,280x the stake jackpot. The fun tees off on a 5×3 grid with 10 paylines.

You’ll win money when 3 or more matching symbols appear on the reels. It’s also a great penny slot machine online for real money as the minimum bet is $0.20.

The game’s bonus rounds include Free Spins and a Nudging Wilds feature. Three or more wild reels trigger 10 free spins with multipliers of up to 5x.

With a high RTP of 96.28%, players from the United States dig the real money slots.

hearts desire slot

4. Hearts Desire

For all the lovestruck players Hearts Desire is the perfect game for classic fruit slot players to play during Valentine. The game art is beautiful with pink as the main color and a great audio track.

The RTP is high at 96.16% gives you a good return when you play it to win money. Once you spin the reels you can trigger the free spins with 3 scatters, or you can buy them.

Penny slot players can play for as little as $0.30, and you can win any of the four progressive jackpots. The Mega Jackpot pays out $79,113.75.

wild drops slot by betsoft

5. Wild Drops

Wild Drops online slot has a mining theme with a payback rate of 96.11%. The jackpot is 4,000x your stake which makes it perfect for low and high rollers alike. Betsoft Gaming does an excellent job with a slew of innovative streaks.

The visuals are bright and colorful, and the betting range is 22 cents up to $22. With 5 reels and 8 rows, the grid is bigger than most of the Betsoft slots we’ve played.

Which makes it one of the best slots to play for real money. Immersive yourself in the magic the game offers and go for gold!

Resemblance Between a Game’s Volatility and RTP?

rtp iconOnline slot studios categorize their games into low, medium, and high variance. That makes it easy for you to pick an online slot that’s in tune with your budget.

  • Low variance games pay out often but the wins are small.
  • Medium variance slot games are slightly more volatile but the payouts are bigger.
  • High-variance slot games are the most volatile games that offer few winning spins. But when they payout, the wins can be astronomical.

Depending on the size of your budget. Choose a slot game with a high RTP and take the volatility into account. When we play slots for cash, we prefer slots with high RTPs and medium volatility.

Does Cash App Slots Pay Real Money and Are They Rigged?

real money iconAll of the slots we’ve listed on this page pay real money. Keep in mind, the online casinos and neither the slot studios that offer them rig their games.

Online sign-up and deposit money at the online gambling sites CasinoWhizz recommends.


How to Find RTP on Slots?

You’ll find the RTP of the slot game when you click on the little “?” icon. That’s the game’s paytable that also contains all the info about the slot.

Play the Games from Top Casino Software

casino games iconSlot studios like Betsoft, RealTime Gaming, and Rival determine the RTPs of their games. That way they guarantee you fair payouts and ample opportunity to win money.

Moreover, independent companies such as TST and iGaming Labs test the random number generators periodically. It so happens that when a slot machine studio releases a new game they omit the RTP.

Read our expert online slot reviews since we include the RTPs of each new game when we review them.


Welcome bonus

200% Bonus Up to $2000 + 50 FS Promo code: MYBWHIZZ

Whizz hot?

  • 1500+ Casino Games
  • Live Dealer Casino
  • Rock-solid reputation
  • Customer support is fast and professional
Play Now

US flag Players from United States   accepted



98% Rated Read review

Welcome bonus

250% $6000+ For Both Sports & Casino Promo code: whizz

Whizz hot?

  • US Players Accepted
  • Huge Game Selection
  • Crypto Accepted
  • Live Casino
Play Now

US flag Players from United States   accepted



97% Rated Read review

Welcome bonus

150% Bonus $1000 + Cash Back + Free Spins Promo code: LUCKYWAVE

Whizz hot?

  • Casino with Sports Betting and Horse Racing
  • Live Dealer Casino
  • Accepts Bitcoin and other cryptos
  • High withdraw limit for crypto
Play Now

US flag Players from United States   accepted

Best Slots to Play Online for Real Money Highest RTP

best iconSlots with the highest RTPs improve your chances of winning when you play them. However, you shouldn’t only look at a game’s RTP.

Pay attention to its volatility, jackpot, hit frequency, and special features. Play them at the best slot casinos for real money since they offer you plenty of bonuses and ongoing promotions.

FAQs How Does RTP Work in Real Slots for Money?

Where do I find the RTP on a slot machine?

You’ll find the payback rate or RTP of the slot in its paytable or Help Screen.

How often do slots hit the jackpot?

That depends on how volatile the game is and which software provider powers it. Normally the jackpots hit over millions of spins. However, Rival’s Hot Drop Jackpots guarantees a winner every hour, day, or week.

How often do slot machines pay?

Low variance slots pay out frequently but the wins are small. If you want to win more money playing slots, play games with low RTPs and bigger jackpots. They don’t pay out as often but when they do you can win a lot of money.

Is it legal to play slots online for real money?

Yes, it is. Our top online casinos that accept US players have licenses in Curacao, Costa Rica and Panama. Independent companies test their games for randomness and safety. Before you gamble online, check if the US state you live in allows it and you must be older than 21.

Can you play real money slots online with the highest RTPs?

Yes, once again we urge you to only play at the best RTP slots casinos we recommend.

Related news

Top Classic Online Slots for Real Money

slot machines

Classic slot games are popular casino games to win real money at online casinos. Though they lack the HD graphics and animations of 3D slots. Classic slots with their fruity the...

September 11, 2023

Buffalo Slot Machines for Real Money

buffalo king slot by pragmatic play

Buffalo slot machines are hands down the most popular games in land casinos. During the past year, US players searching for Buffalo real online money slots to play on mobile inc...

September 11, 2023

Hot Penny Slots Online for Real Money

If you have a small casino budget, penny slots are the best to play online for real money. Even if you spend the minimum, you can still win a lot of money when you play them. On...

September 7, 2023