Game rules and terms

Hosts and friends

A host invites friends and hands them credits. Anyone 18 or over can host with a free account: an email address and a 6-digit code.

• Every new account starts with 10,000 credits. Your first invite raises your bankroll to 200,000, once per email address. A second account on the same address, or one you make again after deleting yours, hosts with the credits it has.
• Send invites from Manage my casino in the game menu. On a phone, text the link from your own Messages app. On any device, email it, or copy the link and paste it anywhere.
• An invite link works once, for whoever opens it first and signs in. It expires after 7 days.
• Send a friend credits from your bankroll, up to 1,000,000 at a time. Take back up to what that friend holds.
• In slots and Texas21, your friends' bets go to your bankroll and their wins come out of it. Bingo doesn't touch your bankroll.
• A friend stays with you until you remove them or delete your account. Remove a friend in the Users tab at any time, except during a Texas21 hand. They keep their credits.
• While they're with you, a friend can't join another host or host their own night. Once you send an invite, you can't join anyone else's.

Slots

Five reels, three rows and five paylines. Tap INFO in the game for the pay table of the theme you're playing. The numbers below are for the standard Spinloo theme.

Paylines

All five lines play on every spin:

1. The middle row.
2. The top row.
3. The bottom row.
4. A V: top, middle, bottom, middle, top.
5. An upside-down V: bottom, middle, top, middle, bottom.

Your bet

Bet 1 to 5 credits per line. BET ONE moves the bet one step, up to 5 and then back down, and BET MAX sets 5 and spins. The bet goes back to 0 after each spin, so choose it again before the next one. With all five lines playing, a spin costs 5 to 25 credits.

How a line wins

• Matching symbols count from the left reel, on reels next to each other. The first different symbol ends the run.
• Most symbols need three in a row. Wild, crown, pearl, grape and cherry also pay for two.
• A line pays its pay-table number times your credits per line. Wins on different lines add up.
• Wild stands in for any regular symbol. It doesn't stand in for Spin, Dream Spin or the bingo ball. Five wilds pay the most: 8,000 times your credits per line.
• The bingo ball on the reels pays nothing and doesn't mark bingo cards.

Bonus wheels

• Spin Bonus: three or more Spin symbols anywhere on the reels. Three, four or five give 5, 7 or 10 wheel spins. Each spin pays 0 to 5 times your total bet.
• Dream Spin: three or more Dream Spin symbols anywhere. Three, four or five give 5, 7 or 10 picks. Each new pot pays 0 to 20 times your total bet. The bonus ends the first time a pot comes up again.
• If one spin lands both, you get the Spin Bonus.
• Play a bonus within 5 minutes of winning it. After that it's gone and pays nothing.

When your host's bankroll is low

A friend's spin is refused before it starts if the host's bankroll can't cover its biggest possible win. That's about 40,000 credits for each credit per line, so the top bet needs 199,975. A bonus is refused while the bankroll can't cover it. The standard theme pays back about 181% of what is bet, so expect your bankroll to shrink. Take credits back from friends to refill it.

Live bingo

Open to hosts and invited friends. The demo has its own bingo rooms.

• A card costs 50 credits. Buy up to 4 cards before a round starts.
• Each card is 5 by 5: B 1–15, I 16–30, N 31–45, G 46–60, O 61–75, with a free square in the middle.
• A round starts once at least two players have bought cards. The server draws a ball from 1 to 75 every 3 seconds.
• A card wins with a full row, column or diagonal. The free square counts.
• Every credit spent on cards goes into the round's pot. Winners split it in whole credits; any remainder goes to the winner who bought their first card earliest.
• You never call bingo. The server marks every card after each ball, and the first ball that completes a card ends the round. A player with several winning cards still gets one share.
• If the server can't pay a winner straight away, it keeps trying, and the next round waits until every winner is paid.
• A bingo room is one live game with its own pot, shared with other Spinloo players. Each account is placed in a fixed room you can't choose, so two friends share a room only about 1 time in 20.
• Bingo doesn't touch the host's bankroll.

Texas21

One hand against the dealer, and the same cards play a poker hand and a 21 hand at once. Texas21 needs a free account. The demo covers slots and bingo.

Playing a hand

1. Pick an ante from 1 to 100 credits. You need three times the ante to start.
2. You and the dealer get two cards each from one 52-card deck, shuffled fresh for every hand. One dealer card stays face down.
3. Bet twice the ante to see the flop: three shared cards.
4. Bet the ante again for the turn, again for the river, and once more for the showdown.
5. Fold at any point and you lose what you've put in. A full hand puts six times the ante in the pot.

If you leave in the middle of a hand, you lose everything you've put in, the ante included. A hand left untouched for 24 hours ends the same way.

Your 21 hand

Tap cards from your two cards and the shared cards to build a 21 hand. Each bet locks in the cards you tapped. Aces count as 1 or 11, and over 21 loses the 21 hand. A 21 hand with no cards tapped also loses, even when the dealer goes over 21. At the showdown, the dealer takes its two cards, then shared cards in order until it reaches 17 or runs out.

How a hand pays

• Poker: your best five of seven cards against the dealer's, ranked as usual from royal flush down to high card. A-2-3-4-5 counts as a straight.
• Win the poker hand and you get back twice your bets after the ante (10 times the ante), plus 2 times the ante. A flush pays 2.5 times the ante instead, rounded down to a whole credit when the ante is odd. A full house pays 4, four of a kind 11, a straight flush 51 and a royal flush 501.
• Tie the poker hand and everything you put in comes back.
• Win the 21 hand for 2 times the ante more, or tie it for 1 times the ante.
• Win both for a double win. Lose both and the pot is gone.

Your host's bankroll

If you play with a host, a hand is refused before it starts unless the host's bankroll holds 507 times the ante. That covers the biggest possible win: 50,700 credits at the top ante.

How results are decided

Every spin comes from a secret server seed that is locked in before you play, and Spinloo keeps a record of each spin. Bingo balls and Texas21 cards are drawn on the server too. Nobody at the table, the host included, can change a result.

Play responsibly

Spinloo uses play money only. Take breaks, and stop when it stops being fun. If gambling is a problem for you or someone you know, free and confidential help is available:

• United States: the National Problem Gambling Helpline. Call or text 1-800-MY-RESET, or visit ncpgambling.org.
• Great Britain: GambleAware. Call 0808 8020 133, free and open 24/7, or visit gambleaware.org.

Terms of use

Last updated: October 3, 2026. These terms apply when you play Spinloo at spinloo.com or in the Spinloo app. By playing, you agree to them. Publishing a slot theme has its own creator terms.

1. Who can play

You must be 18 or older. Don't use Spinloo where the law doesn't allow play-money casino games.

2. Play money only

Credits have no cash value. You can't buy them, sell them, cash them out or trade them for money, prizes or anything of value. They exist only inside Spinloo. No ads, and credits are never for sale.

3. Your account

You sign in with your email address and a 6-digit code sent to it. Keep your email account secure: anyone who can read it can sign in as you. You're responsible for what happens in your account. The demo needs no account and keeps its own credits.

4. Hosts and friends

• Send an invite link only to the friend it's for. It works once, for whoever opens it first.
• A host decides who joins and can send or take back credits. A friend's slot and Texas21 rounds are paid from the host's bankroll.
• A host can remove a friend at any time, except during a Texas21 hand. The friend keeps their account and credits.

5. Fair use

• Don't use bots, scripts or extra accounts to collect credits or play for you.
• Don't exploit bugs, interfere with the games or try to get into other people's accounts.
• Don't post hateful, sexual or illegal content in theme comments.

Spinloo may suspend or close an account that breaks these terms.

6. Deleting your account

Open the game menu and choose Delete account. It can't be undone. It removes your email address and sign-in, your credits, invitations you sent or received, rooms you host, and the themes, likes and comments you shared. If you host, your friends are no longer linked to you. Game records stay, linked only to a random ID. The privacy policy has the details.

7. Changes

Spinloo may change the games, these rules and these terms. The date above shows the latest version. Playing after a change means you accept it.

8. No warranty

Spinloo is provided as it is, without any promise that it will always be available or free of errors. Spinloo may change or stop any game or feature.

9. Contact

Questions about these rules or terms: [email protected].