Money Grows on Trees

Review, Demo Play, Payout, Free Spins & Bonuses

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  • Free spins, wilds, and scatters available to win
  • Watch out for low RTPs
  • Average graphics and gameplay
  • Very low variance may make the game seem monotonous

Money Grows on Trees is an online slot created by Slots Factory. It is a low variance game with 20 fixed paylines and features including wilds and free spins enhanced by the offer of bigger bonus prizes. It has five reels and 3 rows and an RTP of 93.89%.


The saying goes that money doesn’t grow on trees but it just might if you choose to play this Slot Factory game. Will you receive a windfall when you play this 20-payline slot or will you leaf with nothing (sorry!) There are some quirky features to give you the best chance of some rich pickings, including a free spins bonus which can really make your prize pot grow.

Theme and Storyline

Head into an enchanted forest and see if you can find the money growing on the trees and the prizes just waiting to be picked. Enjoy a magical atmosphere and baubles of bonuses as the 20 fixed paylines roll. If you like this makers efforts with this game, you may also want to check out other titles such as Slot Factory's Lucky Irish Fortune slot.

Money Grows on Trees RTP and Variance

This is a low variance game, which should mean that you benefit from lots of smaller-sized wins rather than having to wait around for big prizes to roll in. Make sure you check out the RTP of the game wherever you choose to play as we saw it advertised as low as 93.89%. This is very low compared to many online slots, although progressive jackpot games do tend to have a lower-than-average theoretical return to player ratio.

How to Play Money Grows on Trees

Play this Slot Factory free slots game with the help of the following top tips:

  1. You don’t have to worry about choosing how many games to play as the 20 winlines are locked in for every game.
  2. Use the plus and minus tabs to choose your bet amount. This ranges from 0.01 to 5.00. This is then multiplied by the 20 paylines to create your total bet per spin.
  3. Wins are based on a multiplier of the amount you choose to stake per line.
  4. Prizes are paid out for landing at least 3 matching symbols.
  5. The paytable displays the prizes on offer and can be accessed via the menu button.
  6. Pay attention to the money tree which has coins on the branches containing multipliers. These change with each spin but you can win all of the coins if you manage to spin in 3 of the coin symbols.

Please play Money Grows on Trees responsibly by setting yourself an affordable and sensible budget for each play session. Never chase losses and ensure you stick to your limits. When the fun stops, stop.

Money Grows on Trees Bet Sizes & Paytable Wins

You can bet from 0.01 to 5.00 on each of the 20 fixed paylines in the Money Grows on Trees game. This means you can play from 0.20 to 100.00 per spin. This is a very respectable pay range and maximum win, ensuring that it should suit high rollers and more cautious spinners alike.

Wins are based on a multiplier of your stake per line and you need to match at least 3 for a prize. The lower paying symbols are cherries, lemons, mangos, and grapes, followed by watermelons and limes. The 7s and the golden apples are the highest payers in the game.

Money Grows on Trees Bonus Features

Find the plant food and trigger the Super Coins Free spins bonus. 3 of these symbols will launch the free spins feature. The more plant food you land, the more free spins you will get. The rewards on offer are:

3 plant food symbols for 5 free spins

4 plant food symbols for 10 free spins

5 plant food symbols for 15 free spins

During the free spins, extra coins can be seen sprouting from your money tree and these will offer bigger prizes than in the base game. As an added bonus, you can activate a bonus level known as the Platinum Spin.

If you like a slot with wild feature, then Money Grows on Trees is also a good choice for you. The wild mushrooms can replace other symbols to help you to make up winning combinations. The only icons they can’t substitute for are the plant food icons.

To add to the bonus appeal of the game, it also boasts a progressive jackpot. This can be won by landing 5 of the golden apple jackpot icons on a win line. You will still get a prize if the wild helps you to create this combination but you cannot win the progressive with a wild involved.

Money Grows on Trees Review

In theory, prizes are ripe for the picking in this Slots Factory game, although a dire RTP may limit the impact they can have. There is the promise of lots of bonus action, however, and a progressive jackpot will always prove popular. There are also wilds and free spins and the bonus money tree payouts are a nice touch. There is nothing that sets the game apart from the pack, though. The gameplay is about as average as the design. Fans of very low volatility games may still appreciate it, however, but people looking for a higher maximum win of 1,600x will be put off.

Disclaimer: Money Grows on Trees trademark / license is owned by Slot Factory. This site is not endorsed by Slot Factory.

* This button takes you to an external third-party partner real money casino website. Although we try and match games with Casinos that have them, we advise that you double-check the slot content on the casino website before making a deposit or signing up.

Slot Data
Slot Name: Money Grows on Trees
Software: Slot Factory
Volatility: Low volatility
Paylines: 20
Reels: 5
Min Bet (all lines covered): £2.00 (GBP)
Max Bet: £400 (GBP)
Top Win: 1600
Features: Wild Symbol, Scatter Symbol, Free Spins, Low volatility, 5 Reels
UK Available in GB? Game is not available in GB.


Are there free spins in the Money Grows on Trees slot?

This slot has a Super Coins Free Spins bonus. This is triggered by landing at 3 of the plant food symbols.

What is the variance of the Money Grows on Trees slot?

This is a very low variance slot. This means that it may be best-suited to players who like regular small wins rather than waiting for bigger prizes to roll in.

What is the RTP of the Money Grows on Trees slot?

We found this slot with an RTP as low as 93.89%. This is very low considering that the industry average is around 96%. It does have a progressive jackpot, however, and this will usually lower the expected RTP of the game.

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