Objective of Monopoly Ultimate Banking
The objective of Monopoly Ultimate Banking is to have the most money and properties when the first player goes bankrupt.
Setup for Monopoly Ultimate Banking
- Insert batteries into the electronic unit and press any button to turn it on. If the game unit still has data stored from the last game, hold the x button for five seconds to reset the game’s memory. Then press any button to start a new game.
- Shuffle the Event cards and place them face down on the corresponding spot on the gameboard.
- Separate the Title Deed cards by their colors.
- Place the houses near the Title Deed cards.
- Each player chooses a token and its matching Bank card.
- Each player should tap their Bank card on the game unit. See below for details on how to tap cards.
- Place all of the chosen tokens on the GO space.
- Set the game unit in the center of the gameboard.
- When everyone is ready, press the check mark button to start the game. Each player is given M1500 to start the game.
- The youngest player starts the game. Play passes clockwise throughout the game.
How to Tap Cards
Monopoly Ultimate Banking uses an electronic game unit to keep track of each players’ money, properties and the current rent level for each property. For the game unit to know what is going on in the game, you need to “tap” cards onto the unit for it to gather the required information it needs to run the game.
To tap a card you should lay it flat along the bottom of the game unit. The card should be placed so the barcode is facing the card reader. When it completely covers the card reader, you should hear a sound. If you don’t hear a sound, the card was not recognized. Remove the card and lay it flat against the card reader again.
Playing Monopoly Ultimate Banking
To begin your turn you will roll both dice. The number you roll determines how many spaces you will move your playing piece. You will move your playing piece clockwise around the gameboard.
Once you have finished moving your playing piece, you will take an action based on the space that you landed on. See the corresponding Monopoly Ultimate Banking Board Spaces section below for details on what action you should take.
If you roll doubles, you will take another turn after you complete your current turn. If you roll doubles three times in a row, your turn ends immediately and you move your playing piece to Jail. You will not receive money for passing GO.
After you have completed your turn, play passes to the player on your left/clockwise.
Monopoly Ultimate Banking Board Spaces
You can tell a property is unowned if there is no house on it.
When you land on an unowned property, you have two options. You may either purchase or auction off the property that you landed on.
Purchasing a Property
If you would like to purchase the property, you will find the corresponding Title Deed card.
Tap the Title Deed card on the game unit. Then tap your own Bank card. The game unit will then automatically deduct the cost of the property from your money. The cost of a property is printed on the space.
After you purchase the property, you will place a house on the Rent Level one spot on the property’s board space. As players land on a property, the house is moved up a level which leads to the rent increasing.
Finally you will place the Title Deed card in front of you.
Auctioning a Property
If you don’t want to purchase the property for the cost printed on the space, you will immediately auction it. Any player may bid in the auction including the player who originally passed on buying it. You may not bid if you are in Jail though.
Each player can check the game unit to see how much money they have. Each player’s current cash balance is shown on the main screen.
To start the auction you will tap the Title Deed card that will be auctioned. You will then press the M button (middle) until the auction gavel is visible. To start the auction you will press the check mark (left) button.
The auction is timed. To bid you will press the M button (middle). This increases the current bid by M20. You should say the current total out loud so all of the players know the current cost.
The last player to place a bid wins the auction. You will have to purchase the property for the amount you bid. The winner taps their Bank card to purchase the property. They will take the corresponding Title Deed card and place a House on the rent level one space.
If no one wants the property, press the x button to cancel the auction. The Bank keeps the property. If someone wants the property but time runs out before anyone bids, you can restart the auction.
Completing a Color Set
When the last property of a color is purchased, the rent values of each of the properties increase. This happens whether a single player owns all of the properties, or they are spread between two or more players. This only happens the first time all of the properties of a color are acquired.
If two or more players own properties in the set, the value of each property jumps one level.
If one player owns the complete set, the rent for each property jumps two levels.
Each player who owns one of the properties in the set should move their houses in that set up the corresponding number of spaces.
If at any time you want to see the rent level for a property, you can tap its Title Deed card. After you have looked, you should press the x button to continue the game. If you don’t tap a card or press the x button within 10 seconds, the game unit returns to the main screen.
Owned properties have a house on the space. What happens when you land on an owned property depends on whether you own the property or another player owns it.
Property Owned By Another Player
If another player owns the property, you will owe them rent. The rent you owe them depends on the current rent level. Each Title Deed lists the rent based on the Rent Level.
To pay the rent that you owe, you will first tap the Title Deed card of the property that you landed on. You will then tap your Bank card. If the game unit recognizes both cards, the rent is automatically paid to the property’s owner.
Landing on the property also increases the rent level by one. The game unit automatically does this. A player should move the house up one level on the gameboard though so players can see the current level of the property.
If you do not have enough money to pay off your entire debt, you will have to sell properties to pay it off. The game unit alerts the players when they cannot fully pay off their debt.
Property Owned By You
If you land on a property that you own, you won’t have to pay rent. You should let the game unit know that you landed on the space though because it still raises the rent level by one.
First you will tap the Title Deed card. You will then tap your Bank card. This automatically raises the rent level of the property. You should move the house on the property up one level so players can see the current rent level.
When you land on an Event space, you will draw the top card from the corresponding deck. You will read the card out loud to the other players.
After reading the card you will tap the Event card on the game unit. You will then follow the instructions on the card.
If the card says to tap any property, you can choose properties that you own or ones owned by another player.
Should a card impact neighbor spaces, it means the properties next to the property that you choose. It will only impact properties that are owned. If a property is on a corner, it will affect the next property around the corner. You can impact your own Title Deeds if they are neighbors of the property you chose.
If you are unable to complete the action on the card, you will ignore its effect.
You will then return the Event card to the bottom of its deck.
If the Event card forces you to pass Go, you do not receive money from the Bank.
When you land on Free Parking, you will take no special action. Your turn then ends.
When you land on or pass GO, you will collect M200 from the Bank.
To collect your money from the Bank, you will press the M button on the game unit until the long arrow icon shows up. You will then tap your Bank card to collect your money.
Go to Jail
Should you land on the Go to Jail space, you will immediately move your playing piece to the Jail space. You will not collect M200 if you pass GO. Your turn then ends immediately.
While in Jail you cannot earn rent, increase the level or your rent on any property if a player lands on it, or bid in an auction. Event cards can still change the rent level of one of your properties.
On your next turn you have two options to get out of Jail.
First you may pay M100 to get out of Jail. You will press the M button until the Jail icon shows up. Then tap your Bank card to pay the M100. You will then roll the dice and take your normal turn.
Otherwise you can try to roll for doubles. If you roll doubles, you get out of Jail for free. Use the number you rolled on the dice to move around the gameboard. Take the action corresponding to the space that you land on.
You have three turns to try and roll to get out of Jail. If you fail to roll doubles in three turns, you must pay M100 to the Bank. You will then use your last roll to move your playing piece and take the corresponding action.
When you land on Just Visiting, you will take no special action. Make sure you place your token on the Just Visiting section of the space though.
When you land on a Location space, you have a decision to make.
The Location space allows you to move your playing piece to any other property space. To move your playing piece though, you need to pay M100. You do not receive money for passing GO when moving to the property you chose. You can use this ability to land on a property that you want to purchase or you could use it to raise the rent level of a property that you own.
If you do not want to move to a property space, you may choose not to use the ability. In this case your turn ends.
If you want to use the ability though, you will first press the M button on the game unit. You will keep pressing the button until the location icon (looks like a destination marker/tear drop) is visible. Then tap your Bank card to pay the M100.
You can then move your token to any property space on the board. Tap the Title Deed card for the property you chose. Then tap your Bank card. Follow the rules for purchasing a property or landing on a property that you own.
Running Out of Money
The game unit automatically keeps track of your current amount of money at all times. When you owe money, you will tap your Bank card. If you ever owe more than you have, the game unit will first deduct all of the cash from your Bank. You will still owe the remainder to the player/Bank.
To pay off the rest of the money you owe, you will have to sell/trade properties. The value of each property is the purchase price printed on the space.
If you owe money to another player, you will tap the Title Deeds for the properties that you choose to get rid of. These properties will go to the player that you owe money to. The game unit transfers ownership to the other player. Pass the Title Deed to the new owner. The House stays on the same space on the property as the rent level remains the same.
If you owe money to the Bank, tap the Title Deeds you have chosen to get rid of. These properties are now unowned. Any player may purchase the property by landing on the corresponding space. Return the Title Deed cards to the pile of unowned properties and remove the House from the property.
Any amount you pay over the amount you owe, is returned to you as change.
If you do not have enough money and properties to pay off your entire debt, you will declare bankruptcy. The game then ends.
Winning Monopoly Ultimate Banking
Monopoly Ultimate Banking ends as soon as one player goes bankrupt.
The wealth of each player is then calculated. This includes the amount of money you have and the value of each of your properties (the purchase price). The game unit calculates this automatically.
The player with the greatest wealth wins the game. The game unit displays which player won the game.
If there is a tie after the wealth calculation, the tiebreaker is which of the tied players have the most valuable property (purchase price). The tied player with the most expensive property wins the game.
Canceling a Transaction in Monopoly Ultimate Banking
If you make a mistake when using the game unit, you can cancel out the last transaction. You can cancel out the last transaction if it was:
- Paying rent
- Buying a property
- Taking money for passing GO
- Paying to get out of Jail
- Paying the cost to use the Location space
You cannot cancel out Event card transactions.
To cancel out the last transaction you will hold the check mark and M buttons for five seconds. You will hear a sound and the last transaction will be cancelled. You can only do the most recent transaction.
Monopoly Ultimate Banking Other Game Actions
Some other functions of the game unit that you might want to use are as follows:
If you do not use the game unit for five minutes, it will go to sleep. To turn the game unit back on and continue your game, you can press any button.
To reset the game you need to press the X button and hold it for five seconds. If you would like to start a new game you will then press any button.
To change the volume of the game unit you will press and hold the check mark and x buttons at the same time. You will then use the check mark and x button to change the volume. When you are happy with the volume setting, you will press the M button.
Monopoly Ultimate Banking FAQ
If you have any questions about how to play Monopoly Ultimate Banking, leave a comment below on this post. I will try to answer any questions asked as best and as quickly as possible.
Monopoly Ultimate Banking Components
- Ultimate Banking Unit
- 4 Plastic Playing Pieces
- 22 Houses
- 4 Bank Cards
- 22 Title Deed Cards
- 23 Event Cards
- 2 Dice
Year: 2016 | Publisher: Hasbro | Designer: Amanda Birkinshaw
Genres: Economic, Electronic, Family, Roll and Move
Ages: 8+ | Number of Players: 2-4 | Length of Game: 30-60 minutes
Difficulty: Light | Strategy: Light | Luck: High
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