Money Bear has an RTP of 96.5 percent. The return-to-player ratio is represented by this number. It determines a slot's payout as well as its variance or volatility. A high score around 100 indicates minimal volatility, whereas a low score indicates significant variance. With a 96.5 percent RTP, for every $100 you put in, the casino keeps $3.5 and you keep $96.5.