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Online Casino Experts Breakdown RTP (Return to Player)

If you’ve ever visited an online casino or read casino reviews, you’ve likely encountered the term RTP. But do you know what it actually means? These three little letters define the long-term profitability and fairness of casino games and have a big impact on player satisfaction and experience at online casinos.

This Learning Hub article explores RTP, including what it means, how it works, volatility regulatory conditions, and what is important for players. 

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This page is written by
Seánie O'Brien
Seánie O'BrienCasino Adviser
Fact Checked By
Rebecca Mackay
Rebecca MackayHead of Content
According to our Editorial Guide

Quick Answer

⚡ RTP, or “return to player”, is a statistical measure representing the percentage of wagered money a game will pay back to gamers over time. It's expressed as a percentage and shows the player’s anticipated ROI (return on investment). For example, an RTP of 96% means that, on average, the game will return €96 for every €100 wagered.

Types of RTP in Online Casino Games

The RTP rate can be variable, low, fixed, or high, depending on your chosen online casino games. Let's look at various types of RTPs below.

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Variable RTP

As the name suggests, online casino games with variable RTPs have payout percentages that can change. A perfect example is Quickspin’s Big Bad Wolf Megaways, which has an RTP of 96.05% but can increase to 96.44% once you use the buy feature.

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Fixed RTP

In a fixed RTP game, the RTP percentage doesn’t change, irrespective of the actions you take or features you trigger. Most slot machines at Irish online casinos feature a fixed payout percentage.

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Low RTP

Lower RTP casino games typically have an RTP rate lower than the industry standard of 96%. Most progressive jackpot slots have low RTPs, but they can be rewarding if you win a jackpot.

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High RTP

There's a reason most skilled players will always choose games with a higher RTP. Higher RTP casino games give back at least 96% of the cash staked. With a high RTP, the house edge becomes low.

How is RTP Calculated?

When a game is designed, software providers and testers base the RTP rate on simulating millions of game rounds and their outcomes. The probability of different results is taken into account to give the most accurate prediction of what the overall theoretical return to players will be. However, once the game is live, the theoretical RTP has to be verified. Is it paying out the amount it is supposed to? Here’s how the actual RTP rate is calculated:

RTP = Total amount won by gamers divided by the total bet amount over time x100. An RTP of 96% implies that players win €96 for every €100 wagered on a game (96/100x100).

💡 You should keep in mind that the RTP rate does not guarantee individual losses or winnings in a particular session. So, some players will experience huge winnings while others encounter losses during their gaming sessions.

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RTP of Different Casino Games

Casino games will always have an inherent house edge that ensures their profitability while offering fair opportunities for gamers. These vary based on the type of game and in some cases, based on your actions as a player. For example, the RTP in roulette varies based on the bets you place.

Table Games

Apart from having favourable odds, table games offer better RTP percentages than slots.

  • Blackjack: 99%

  • Roulette: 94–98%.

  • Baccarat: 94–98%

Live Dealer Games

In addition to exciting gameplay, live dealer games offer a decent RTP value.

  • Live roulette: RTP 94–98%

  • Live blackjack: RTP of 99.5%.

  • Live baccarat: RTP 95–98%

Video Poker

Depending on your chosen variant, video poker can have an RTP ranging from 97.3% to above 99%. This makes it a favourite among proficient players seeking better chances of winning.

Slots

Slots are popular due to their diverse gameplay and themes. The RTP in these games varies widely, ranging from 90% to upwards of 96%. 

What Makes RTP Important for Players?

Understanding the RTP is important, especially if you want to maximise your chances of winning. It also helps you make informed decisions throughout your gaming session.

Good Decision Making

Comparing the RTP rates of different games allows players to select those with favourable pay-outs.

Identifying Game Fairness

RTP is a measure of game fairness, and all casino games from reputable operators undergo stringent testing by independent auditors to guarantee their RTPs' accuracy. 

Trustworthy casinos don’t shy away from openly displaying their RTP rates. This allows players to evaluate the fairness of the casino games before investing their cash.

Transparency and Trust

If an operator offers accurate information about the RTP values of their games, they are likely to be trustworthy and committed to protecting players. 

Setting Expectations

RTP can help you set realistic expectations since you know that online casino games are designed to give out to players less than they take in over time. Knowing this, you’ll avoid disappointment and enjoy games for what they offer – entertainment.

Bankroll Management

Understanding the RTPs of different games helps you manage your bankroll effectively. 

What Can Affect RTP?

Some of the things that can affect the RTP value include: 

Bet Size

Your bet size can affect the RTP in various ways, especially in progressive slots. For instance, you might need to play a maximum bet to unlock the highest RTP or an opportunity to hit the jackpot.

Jackpots and Bonus Features

Jackpots and other highly rewarding bonus features can influence the calculation of RTP. Jackpot games tend to have a lower RTP rate in the base game as the top prizes are reserved for players who trigger a jackpot. 

Meanwhile, games with action-packed bonus rounds may have slightly higher RTPS as these rounds are taken into account when calculating the overall RTP of the game.

Skill

Certain games, like blackjack and poker, involve an element of skill and knowledge. This means that expert players have a better chance of achieving the highest possible RTP, while novices may never come close. This is very different to spinning a slot, where your individual RTP rate is based purely on luck.  

How to Use RTP to Find the Right Casino Games

You want to choose and play the best casino games based on volatility and RTP. So, opt for slots with reasonable payouts to avoid disappointment. Follow these tips to choose the best games:

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Check the Game RTP

Visit the game creator’s website or a reliable casino and launch your preferred game. Check out the game’s RTP on the information page.

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Pick Games with Higher RTP

Compare the return to player for different games on your chosen platform. Choose games with the highest RTP value, ideally above 96%.

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Know the Volatility

A game’s volatility will influence the size and frequency of your wins, and can change your experience of a game almost as much as the RTP. Determine which volatility level fits your gaming style when choosing higher RTP games. 

Online Slots With the Highest RTP

Let's look at some of the best online slots that offer the highest RTP for Irish players.

Online SlotRTP (%)Software Developer
Mega Joker99NetEnt
Jackpot 600098.9NetEnt
1429 Uncharted Seas98.6Thunderkick
Monopoly On The Monday98.1Pragmatic Play
Blood Suckers98NetEnt

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The Interplay Between RTP and House Edge

The RTP and house edge are two sides of the same coin. If a casino game has an RTP of 98%, its house edge is 2% (100–98). That means the operator expects to keep €2 for every €100 staked on that game.

Knowing the house edge and RTP gives you a complete picture of the odds when placing your bets. For instance, games with a bigger house edge, such as American roulette or keno, might seem exciting due to their likelihood of huge wins. However, their lower RTP means that over time, they are less likely to pay back the staked cash than games with a low house edge.

Our Experts Verdict

Understanding RTP is fundamental to choosing the best games and having an excellent gaming experience. However, it should not be the only factor you consider. You need to understand that different online casino games offer different experiences, and go for casino games that you enjoy and fit your risk tolerance.

Furthermore, consider things like bonus features, game rules, and casino reputation. Even games with the highest RTP won't be fun if the operator doesn’t offer a secure and fair gaming environment.

FAQs About Return To Player

Why is RTP important in online gambling?

Players who understand RTP percentages have a better chance of choosing games that fit their budget and style.

Can RTP affect my winning chances?

Yes, it will affect your winning chances in the long term. A higher RTP implies more cash is paid back to the player over time.

Why do different games have different RTP rates?

The different RTPs of casino games reflect the complex mechanics behind all the possible winning combinations and other factors that influence payouts. The RTP rates you see listed are the result of strict testing and verification processes that aim to give the players the most accurate information possible about the likely returns from a game.

Casino Mentor

Seánie has plenty of experience in the casino world and enjoys sharing this accumulated knowledge. He offers great tips and tricks for players to enjoy casinos safely.

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