Football Finals X UP (Microgaming) – Review & Demo Play

Introduction to Football Finals X UP

I went into Football Finals X UP for the cup final vibe and stayed for the X UP ladder. It's a 5x3, 243 ways slot with expanding wild trophies and a scatter-driven multiplier that carries into free spins. Medium volatility keeps the ride steady, while the Upsizer lets me pay to start the bonus at a higher level when it makes sense. There's also a Bonus Buy in some markets, but the whole game revolves around landing twos and threes of the X UP symbol.

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Football Finals X UP Theme, graphics & soundtrack

The reels sit in a jam-packed stadium with confetti hanging in the air, flags lining the stands and a night sky overhead. The soundtrack goes for a punchy rock beat rather than terrace noise, which fits the pace. I've seen better-looking football slots, and this one feels functional more than flashy, yet the symbols are clear and the expanding trophy always pops. That clarity helps when multiple ways connect at once, as the 243 system can rattle through wins quickly.

On mobile, the layout keeps controls tidy and the spin tempo brisk. I prefer turbo off here, as expanding wild reels deserve a proper sweep across the screen. The colour palette leans neutral, which makes the premium players and fans easier to pick out. Across longer sessions the presentation fades into the background, but that lets the maths take centre stage, and that's where this series usually shines. I never felt cramped in portrait, and gestures respond without lag.

Football Finals X UP RTP and variance

Football Finals X UP runs at 96.22% RTP on the main setting with medium volatility and a 10,000x max win. Some casinos deploy lower RTP profiles, including 94.04%, 92.03% and 86.93%, so I always check the info panel. The hit rate is around 25%, which pairs well with the 243 ways format and keeps the base game moving. It's a fair risk curve for building the X UP ladder, though the real swing arrives once a decent multiplier rolls into free spins.

Football Finals X UP Bet sizes & paytable wins

Bets range from 0.10 to 20 per spin, with all wins paid across 243 ways from left to right. Low pays are 10, J, Q, K and A, worth roughly 1x to 1.5x for five of a kind. The premium set features the ball, fans and players, paying 2x to 4x for five. The golden trophy is wild; if it lands partially it expands to fill the reel and substitutes. A full line of five wilds pays 4.5x.

The scatter is the X UP emblem. Three in view both trigger the feature and pay 2x the bet, while two act as a meaningful step on the multiplier ladder. Because those wilds expand, covering all five reels with trophies dishes up an estimated 1,093.5x in ways wins before any bonus multipliers. That interplay between expanding reels and the 243 engine is the quiet power here, and it sets up the bonus to land with real punch when the ladder is primed.

Football Finals X UP Symbols and Paytable

Symbol	Quantity	Payout
	Scatter
	3	x2
	Wild
	5	x4.5
	4	x3
	3	x1.5
	5	x4
	4	x2.5
	3	x1.2
	5	x3
	4	x2
	3	x1
	5	x2.8
	4	x1.8
	3	x0.8
	5	x2.5
	4	x1.5
	3	x0.7
	5	x2
	4	x1
	3	x0.6
	5	x1.5
	4	x0.8
	3	x0.5
	5	x1.5
	4	x0.7
	3	x0.4
	5	x1.2
	4	x0.6
	3	x0.3
	5	x1.2
	4	x0.5
	3	x0.2
	5	x1
	4	x0.4
	3	x0.2

Football Finals X UP features

The X UP feature tracks progress whenever two scatters land, handing out a token that climbs the left-side meter. Collect 23 tokens to reach the x10 tier; the tokens persist between stake changes, and hitting the top awards the bonus there and then. Any multiplier you've banked applies to your next free spins. I like the way it flips the psychology: near-misses matter, and I'll often hold for a stronger ladder rather than rush into a modest round.

Three scatters trigger eight free spins. Two scatters during the round add two extra spins and also step the ladder, which can lift the active multiplier mid-bonus. Wins in free spins are multiplied by the current level, so starting higher is worth chasing. That's where the Upsizer comes in: you can pay to raise the multiplier at entry, with the price dropping the further you've progressed. It's a neat safety valve if you trigger earlier than planned.

The Bonus Buy, when offered, costs 60x the bet for eight spins with a random starting multiplier between x2 and x10. It's unavailable in the UK, so I've only used it in test plays abroad. In practice I'd only buy if the ladder was cold, as a built multiplier feels far better value. Either way, the base RTP remains the same during a purchase, so the decision is about variance preference rather than fiddling with any hidden setting.

Football Finals X UP review: our verdict

The X UP system is the star. Base spins can feel like a warm-up while you fish for the second scatter, yet those near-misses feed progress, and that softens the wait. Expanding wilds keep things lively and do a proper job in free spins when they stack with a high multiplier. In my sessions I've had average rounds at x3-x4 and a belter at x8, which shows how much the entry point shapes the outcome.

The presentation won't wow purists, but the gameplay loop is snappy and the 10,000x ceiling gives me a clear target. Medium volatility suits a wide spread of bankrolls, and the Upsizer is handy if I trigger short of where I'd like to be. If you're up for a football slot that leans on a smart ladder rather than on cluttered extras, Football Finals X UP is a tidy pick for match nights or quick sessions.