FatPirate Payout Percentage and RTP Explained
Updated on June 30, 2026 by the editorial team
Payout percentage is the single number that tells you how much of every pound wagered a game hands back over time. On the FatPirate slots and tables it usually sits between 94% and 98%, and knowing where a title lands helps you pick smarter and stretch a session further. This page breaks down what the figure really means, how it varies by game type, and where to read it before you spin.
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What the payout figure actually gives you at the table
Return to player, or RTP, is a percentage. It measures the share of all wagered money a game pays back across millions of rounds. A slot rated at 96% returns £96 for every £100 staked in the long run. The missing £4 is the house edge, the margin the operator keeps.
That number is theoretical. It describes lifetime behaviour, not your next hour on the reels. You might turn £20 into £200 on a 94% slot or lose it all on a 98% one. RTP tells you the direction the maths leans over the long haul, and nothing about a single session.
Two other traits shape how that percentage feels in practice. Volatility controls the swing: low-volatility games drip small, frequent wins, while high-volatility ones stay quiet then pay big. Hit frequency counts how often any win lands at all. A 96% slot with high volatility and a 96% slot with low volatility share a headline number but play nothing alike. Check the RTP first, then read the volatility to know what kind of ride you are buying.
How much different game types tend to return
Payout ranges shift a lot depending on what you play. Table games with skill or fixed rules usually beat slots on paper. Below are typical RTP bands you will meet across the FatPirate lobby, drawn from standard studio and rules-based figures rather than any one title.
| Game type | Typical RTP range | House edge | Volatility feel |
|---|---|---|---|
| Online slots | 94% - 98% | 2% - 6% | Low to very high |
| Blackjack (basic strategy) | 99% - 99.5% | 0.5% - 1% | Low |
| Baccarat (banker bet) | ~98.9% | ~1.1% | Low |
| European roulette | ~97.3% | ~2.7% | Medium |
| Video poker (full-pay) | 98% - 99.5% | 0.5% - 2% | Medium |
| Jackpot slots | 88% - 94% | 6% - 12% | Very high |
Notice the gap. A blackjack hand played by the book returns close to 99.5%, while a progressive jackpot slot can dip below 90% because part of every stake feeds the top prize. Neither is wrong. They serve different appetites. If you want your balance to last, the table games near the top of that list keep more of your money in play. Chase a life-changing sum and the jackpot slots trade a lower base RTP for the shot. FatPirate carries reels from BGaming, Yggdrasil, Thunderkick, Spinomenal and Platipus, and each studio publishes its own numbers per title.
Why the house edge decides how long your money lasts
House edge is just RTP flipped around. A 96% slot carries a 4% edge. The two always add to 100%, so once you know one you know the other. What matters is how that small margin compounds.
Say you stake £1 a spin at 500 spins an hour on a 96% slot. The theoretical cost of that hour is 4% of your total turnover, which works out to roughly £20 in expected loss before variance moves the number in either direction. Drop to a 94% game and that expected cost jumps by half. Move to blackjack at 99.5% and the same turnover costs a fraction of it. The edge is the price of the entertainment, and RTP is how you compare prices.
This is also why a bonus and the RTP work together. FatPirate runs a welcome offer of 100% up to £1,000 + 100 FS, with wagering at x40 on the bonus and a 7-day window to clear it. When you play through that requirement, a higher-RTP slot burns less of the bonus per spin, so more of it survives to the finish line. Picking games by their return is not just about the base session. It shapes how far a bonus stretches too. If you want the full terms, the FatPirate bonus page lays them out.
Reading a game's RTP before you press spin
You never have to guess. Every regulated slot publishes its return, and FatPirate is no exception. Here is where to find it.
- Open the game and load its info panel, usually the "i" icon or a menu inside the reels.
- Scroll to the paytable or rules section. The RTP is listed as a percentage, often near the volatility rating.
- Check whether the game shows more than one figure. Some titles ship in multiple RTP versions, and the operator picks which one runs.
- Cross-check against the studio's own site. BGaming, Yggdrasil and the rest publish default RTP for each release, so you can confirm the number in the panel matches.
- Note the volatility alongside it. A high RTP paired with high volatility still means long dry spells, so read both before you set your stake.
Table games work a little differently. Their return depends on the rules and your decisions, so the RTP you actually get in blackjack rides on whether you follow basic strategy. Roulette and baccarat are fixed by the wheel and the bet you choose. On any of the FatPirate games, the info panel is your first stop, and the provider's published data is your backup. If a number ever looks off, live chat runs 24/7 and can confirm the setting on a given title.
One more habit worth keeping: track your own sessions. Payout percentages describe the long run, but your notes on which FatPirate games and slots suit your bankroll tell you what works for you now.
Common questions about payout percentage
Does a high RTP mean I will win more often?
No. RTP measures long-run return across huge sample sizes, not your odds tonight. A 97% slot can run cold for an hour and a 94% one can pay big on the first spin. Higher RTP lowers your expected cost over time, but it makes no promise about any single session.
What is a good payout percentage at FatPirate?
For slots, anything at 96% or above is solid, and the FatPirate reels from BGaming, Yggdrasil, Thunderkick, Spinomenal and Platipus mostly sit in the 94% to 98% band. Table games like blackjack and baccarat return more, often 98% to 99.5% when you play the optimal bet.
Where can I check a game's RTP?
Open the game's info or paytable panel, where the return is printed as a percentage. You can confirm it against the studio's own published figures. If you cannot find it, ask FatPirate live chat, which is open 24 hours a day.
How does RTP affect clearing a bonus?
Higher-RTP games lose less of your stake per spin, so they eat into wagering more slowly. With the FatPirate welcome offer of 100% up to £1,000 + 100 FS at x40 wagering and a 7-day window, choosing a higher-return slot helps more of the bonus survive the playthrough.
Is the payout percentage the same for every player?
The published RTP applies to everyone playing that title at that setting. What differs is short-term luck and volatility. Two players on the same 96% slot can have wildly different sessions, yet the game returns the same percentage across all of them combined.
Payout percentage is the closest thing you get to a spec sheet for a casino game. Read it, weigh it against volatility, and you spend your bankroll with your eyes open. Play within a budget you set in advance, and treat every session as entertainment first. For safer-play tools and limits, see the FatPirate responsible gaming page.
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