Monopoly Go Bank Heist Hidden Patterns You Should Know

If you’ve played Monopoly Go, then you already know that Bank Heist is a major part of the game. Every player will go through it, and it’s one of the main ways to steal cash from opponents. But how exactly does it work? And is there a way to get bigger rewards? Let’s break it down in simple terms.

How does Bank Heist work?

Bank Heist is a minigame in Monopoly Go where you try to steal cash from other player's vaults.

To start a Bank Heist, you need to land on a railroad tile. Once you do, there’s a chance you'll be taken to the Bank Heist event, though you might also trigger a Shut Down instead.

It’s a flip-and-match game themed around Monopoly Go: There are 12 vault doors for you to choose from in a Bank Heist. Behind these doors, you'll find diamond rings, cash stacks, and silver coins. Your goal is to pick doors and reveal what's inside.

You need to keep picking until you match three of the same item, the heist ends, and you'll get a reward based on what you matched:

● Bankrupt (Jackpot!) – Match three diamond rings, and you’ll steal all of your opponent’s cash.

● Large Heist – Match three cash stacks, and you’ll take 66% of your opponent’s cash.

● Small Heist – Match three silver coins, and you’ll grab 33% of their cash.

Mega Heist, an upgraded version of Bank Heist

There is a variation of Bank Heist called Mega Heist. It offers bigger rewards and more tournament points than Bank Heist. In this version, you’ll be matching gold bars, rings and cash stashes instead of the usual symbols, leading to even greater payouts.

Mega Heist is a flash event, you can only access it at certain times. Not every Bank Heist will turn into a Mega Heist during the event. It all comes down to luck.

Monopoly Go Bank Heist key patterns

1.  If You’re Active, You Won’t Be Targeted for a Bank Heist

Unlike the Shutdown event, Bank Heist cannot be blocked by shields. A Bank Heist always causes another player to lose money. This can make some players feel guilty when raiding their friends.

However, an important pattern is that if you are online and actively playing the game, you won’t be targeted for a Bank Heist. So, if you don’t want to raid a friend, you can simply stay online at the same time as them.

2.  Bank Heist results are pre-determined

Many players have tested this using the airplane mode trick, which temporarily disconnects the game from the internet. The results? Bank Heist outcomes are already decided the moment the event starts. Restarting your game or reloading the heist won’t change the outcome. You’ll always get the same result.

This means:

● You can’t force a smaller heist to avoid taking too much from friends.

● You can’t increase your tournament rewards by retrying for better results.

Is Bank Heist Really Random? Try This Test!

Some math enthusiasts have calculated the expected probabilities if Bank Heist were truly random:

● 57.1% chance for cash stacks

● 31.3% chance for rings

● 11.6% chance for silver coins

If your results don’t match this distribution over many attempts, it’s a sign that the game isn’t purely random.

3.  The amount stolen doesn't always match the amount lost

Many guides claim that in Bank Heist, the amount stolen is equal to the amount lost, suggesting a 1:1 exchange. But player reports suggest that this isn’t always the case. One proven factor affecting this difference is the players' net worth. For example, losing 10 billion feels very different for a newbie than for a veteran player.

Many players have mentioned that sometimes they lose more than what the attacker gains. This might be part of the game's algorithm, which is designed to control overall resources and create a sense of scarcity. Whatever the reason Monopolygo has for this, the total amounts lost and gained don’t necessarily match.

4.  You won’t lose money if your cash balance is 0

Bank Heist only takes money from your available cash balance. If you have $0, you won’t lose anything. So, before quitting the game, use up your cash to prevent potential losses.

5. You can’t choose who to Bank Heist—It’s random

Unlike Shut Down events, you have no control over who you raid in a Bank Heist. The game selects targets randomly from your friend list, so there’s no way to avoid attacking friends or focus on specific opponents.

Best strategies to play Bank Heist in Monopoly Go

1.  Use multiplier

If you want to make the most out of your Bank Heist, you have the option to activate a higher multiplier before throwing your dice.

2.  Manage your friends list: Consider removing friends who you don’t know and consistently target you for Bank Heists.

You can remove friends you don’t know, especially if they consistently target you for Bank Heists. It’s not entirely their fault; if they have a small friend list, the game may frequently choose you as a target.

If you don’t want to keep hitting the same person for a Bank Heist, think about adding more friends to your list. This way, you’ll lower the chances of always picking the same person randomly.

3.  Stay Online with Friends

Make sure you and your friends are online at the same time. This way, you can avoid being raided while you’re actively playing.

4.  Use your cash before logging off

Since Bank Heist only takes from your available cash balance, always use up your cash before logging out to prevent any potential losses. If your balance is $0, you won't lose anything.

However, there’s another strategy where you can choose to hold onto your cash and not use it, regardless of whether others are stealing from you. You can save your cash to use during Landmark Rush or Wheel Boost events. Players who follow this strategy often feel that cash is one of the least valuable resources in the game compared to the rewards from Landmark Rush and Wheel Boost. By saving cash and not upgrading your Landmark, others won’t be able to shut it down, saving you some repair costs as well.

This might not be the best way to deal with Bank Heists, but it can be a better approach for the overall game. You can pick the strategy that suits your situation best.

What will you get from Monopoly Go Bank Heist

● The cash: Winning a Bank Heist can net you a significant amount of cash to use in the game.

● Tournament tokens: You'll earn tournament tokens to boost your ranking in side bar events.

● Community Chest gifts: It makes you one of their active friends, which helps them earn rewards in the Community Chest. In return, you’ll get Monopoly Go dice as a bonus.