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Monopoly Ultimate Banking

Monopoly Ultimate Banking is a version in Monopoly where players use their scannable barcoded Bank cards as money to play. This game can be played by 2-4 players.

Object of the Game

A player that has the highest total value (money & properties) when only 1 player goes bankrupt is the winner.

Game Contents

  • Electronic Ultimate Banking unit
    • This requires 3 AAA batteries to get it to work.
    • It has the scannable barcode reader to read the cards.
    • It has only 3 buttons.
      • Checkmark
      • M
      • X
  • Gameboard
  • 4 Tokens
    • Red Car
    • Green Helicopter
    • Blue Boat
    • White Jet
  • 4 Bank cards
    • These are used by the players as money.
    • The cards have logos that correspond to the tokens.
    • These cards have readable barcodes to scan to the banking unit.
  • 22 Title Deed cards
    • All of the properties are streets/sites.
    • These cards have the numbers so that the players will know about the properties in the Banking unit.
    • Each card has 5 rent levels.
    • Mortgaging, selling, or trading Title Deed cards are not possible in ordinary circumstances.
  • 22 Houses
    • Anyone that gets the property will also get the house.
    • These are used as indicators of:
      • Ownership
      • Rent Level
  • 23 Event cards
  • 2 Dice

Gameplay

At the start of the game, the players pick their tokens. They will get matching Bank cards along with their tokens. The players place their tokens on the GO space.

The Banking unit is turned on by pressing any of the 3 buttons. The players have to scan their Bank cards to be registered. At least 2 players scan their Bank cards for the unit to be working while playing.

The Event cards should be placed facedown, showing the barcodes and the Event logo.

The Title Deed cards should be placed near the corresponding property spaces & numbers.

Once everything is all set, a checkmark in the Banking unit is pressed to commence the game. Each player will start with $1,500.

The youngest player will start the game first. (Other arrangements can be agreed by the players. For example, rolling the highest number will grant a player to go first.) After a player has completed their turn, another player to the left has the next turn.

When it is your turn, roll the dice. Move your token by the number of spaces according to your roll. Follow the directions on the space that you land on. If you get a double on your roll, you have another turn and you roll again. If you roll three doubles in the row, you cannot perform an action on your 3rd turn and you MUST go to Jail.

Spaces

Property

The property spaces have the numbers.

If there is a Title Deed card on the board but the house is not there, the property is unowned. If you land on an unowned property, you can either buy or auction.

If there is no Title Deed card on the board but the house is there, the property is owned by a player.

  • If you land on an owned property and is owned by another player, you have to pay rent if they asked you to pay.
  • If you land on an owned property (regardless of who owns it), that property's rent level will go up by +1.

Event

If you land on this space, you have to pick up 1 card from the top of the pile. Perform the action on that card.

Location

If you land on this space, you have the option of going to any property space for $100. If you do not want to go (or do not have the $100), you can just stay there and do nothing.

  • PROCEDURE
    1. Press the “M” button 3 times to see the locator icon.
    2. Tap your Bank card. The Bank will subtract $100 from your account. Then go to any property space.
  • If you are going to any property, you CANNOT collect $200 for passing GO.
  • You cannot go to any other spaces besides the property spaces.

GO

If you reach this space, collect $200.

  • PROCEDURE
    1. Press the “M” button just 1 time to see the arrow icon.
    2. Tap your Bank card, and the Bank will add $200 to your account.

Free Parking

If you land on this space, nothing happens.

Just Visiting / Jail

If you land on the corner space that has Jail on it, just put your token in the "Just Visiting" section and do nothing.

Go to Jail

If you land on this space, immediately place your token in the Jail portion on the other side of the board. You cannot collect $200 for passing GO.

Property

All properties are streets (sites). This version of Monopoly has no railroads and no utilities.

Each property has its number that the Banking unit can refer to.

If you get a property, you will get its Title Deed card and the house to put in.

Unowned

If the property is unowned, you can either buy it or auction it. (You cannot decline both options.)

Buy

To buy a property at its purchase price, follow the procedure.

  1. Tap the Title Deed property card to the Banking unit.
  2. Tap your Bank card to the Banking unit.

When the procedure is completed, the property is yours. Once it's yours, place a house into the rent level "1" slot in your new property.

Auction

If you do not want to buy a property (or do not have enough money), you must auction the property. Follow the procedure.

  1. Tap the Title Deed property card to the Banking unit.
  2. Press the "M" button to get ready for auction.
  3. Press the "checkmark" button to start the auction. The auction starts at $20.
  4. All players NOT IN JAIL can bid, including a player that lands on a property being auctioned. Each player presses the "M" button to bid by $20. Each pressing increases the bid by $20 each time. Any bidder has 5 seconds to bid. When the "M" button is pressed, the timer resets. When the time is up, the player (the highest bidder) that pressed the button last may get the property.
    • The players that are in Jail CANNOT bid in auctions.
  5. The player that finished with the highest bid will tap their Bank card. The highest bid amount is taken out of their Bank account.

When the procedure is completed, the highest bidder has the property and the house to put in.

If nobody wants to bid, that's okay but the property will remain unowned.

Owned

Paying rent

If you land on a property that is owned by somebody else, you have to pay the rent only if the owner asks you to pay. The amount of rent depends on the current level of that property.

  • PROCEDURE
    1. The owner taps their Title Deed card of that property.
    2. You (paying the rent) tap your Bank card. The amount of appropriate rent will transfer from your account to the owner’s account. The rent level of that property will increase by +1.
Landing on your own property

If you land on a property that you own, the rent level of that property of yours will increase by +1.

  • Like the owner asking for rent, you have to remember to do something if you land on your own property in this game.
  • PROCEDURE
    1. Tap your Title Deed card of your property that you have just landed.
    2. Tap your Bank card. The rent level of that property will increase by +1.
  • This PROCEDURE is the same as “paying rent” except that it is all by yourself and the cash is not involved.

Rent Level

When there is a house in a property, it is owned and the owner can collect the rent. A house indicates the property’s current rent level. Each property has five rent levels. There is only 1 house per property.

  • In this game, multiple houses cannot be built in a single property to increase the rent level. Also, there are no hotels.

You do not have to own a complete color set in order for the rent level to be higher.

When a property is purchased or auctioned off, the rent level starts at 1 and the house is placed on the “1” slot on that property.

When any player lands on an owned property, the rent level of that property will increase by +1.

When the last property in a color set is purchased or auctioned off, all of the properties within that color set will be affected.

  • When the other players have the other properties in that color set, the starting rent level for that last property recently obtained is 2. Also, the rent levels for all the other properties in that color set will increase by +2.
  • If you buy that last property while you own all of the other properties in that color set, the starting rent level for that last property just obtained is 3 and the rent levels for all the other properties in that color set will increase by +3.

When the rent level changes, the position of a house will also change.

The rent level of a property can also be affected by the Event cards.

  • Some cards increase the rent level while the others decrease the rent level.
  • Some cards affect just one property while the others affect multiple properties.
  • A few cards increase the rent level to the maximum level of 5 while a few others decrease the rent level to the minimum level of 1.

Event Cards

Event works like Chance in Monopoly. In most cases, the Event cards will affect the rent levels of properties.

PROCEDURE

Pick up one Event card from the top. Tap that card. The Banking unit will do on what it says on that card.

  • Depending on the instructions in a card, you may need tap a property card or your Bank card to complete the transaction in a card.

Once the Event card has been used, return that card to the bottom of the pile.

The card is facedown if it shows the “M” and the barcode.

Neighbors

A neighbor is a property next to another property. Every property has 2 neighbors.

Here are some examples:

Some Event cards will affect the property and its 2 neighbors, regardless of who owns those properties.

Jail

You go to Jail if:

  • You land on the “Go to Jail” space.
  • You roll doubles three times in a row.
  • In one of the Event cards, somebody else takes you to Jail.

When you are in Jail:

  • You cannot collect rent or raise the rent level when another player lands on your property.
  • You cannot participate in auctions.

To get out of Jail, you have 2 options:

  • (a) Pay $100 at the start of your next turn.
    • PROCEDURE
      1. Press the “M” button 2 times to see the Jail icon.
      2. Tap your Bank card. The Bank will subtract $100 from your account. Then roll the dice as usual.
    • If you roll a double just after you got out of Jail, you can take another action in your same turn.
  • (b) Roll a double on your next turn. You have 3 turns to roll a double.
    • If you roll a double successfully, you get out of Jail for FREE. DO NOT use the “M” button. Once you get out of Jail, use that roll to move (DO NOT re-roll). DO NOT take another action in your turn.
      • Using the “M” button will cost you $100.
    • You have your next 3 turns to roll a double.
    • If you do not roll a double on your 3rd turn, you have to get out of Jail and pay $100. Use that roll to move your token.
      • The PROCEDURE in (a) is the same.
    • You can choose (a) instead of (b) on your 2nd or 3rd turn.

In Debt & Bankruptcy

If you do not have enough money to cover the full rent to an owner or to cover a fee, you are in debt. The Bank will tell you that you have a negative amount in your account. When you have a negative amount, you must give away your property (1 or more) to cash in to pay off your debt. The value of a property given away is its purchase price on the gameboard.

  • Being in debt does not always result in bankruptcy.

Owing to another player

When you land on someone else’s property and the owner asks you to pay the full rent, you realize that you do not have enough money to pay the full rent. When this happens, follow the procedure:

  • Tap your chosen Title Deed card (1 or more) to give to the owner until you have fully paid your debt.
    • When giving away the property, the house must stay in that property at its current rent value.

Any change after covering your debt will be returned to your account. Check your account to see.

Owing to the Bank

When you do not have enough money to cover a fee, you must give away your property (more likely to be just 1) to cover your debt. Follow the procedure:

  1. Tap your chosen Title Deed card (1 or more) to give to the Bank until you have fully paid your debt.
  2. Remove the house from the property and return the corresponding Title Deed card to the Bank.
    • That property is now unowned, and a player landing on that property space can purchase (or auction) it.

Any change after covering your debt will be returned to your account. Check your account to see.

Bankruptcy

If you do not have enough money AND do not have enough purchase prices of all your properties to cover your full debt, then you are bankrupt and the game will END.

  • If a bankrupted player owes the owner, any debt not paid by that bankrupted player is made up by the Bank and is included in the final score of the owner.

End of the Game

The game will end if only 1 player is bankrupt.

After the game ends, the Bank will calculate the remaining players' total values to determine the final score.

  • The total values consist of:
    • Cash on hand (not only that)
    • Properties at regular purchase prices

The player with the highest total value wins the game. The Bank will show the final total values for all remaining players and the winner.

Electronic Banking Unit

Electronic Banking Unit (EBU)

The electronic EBU is required to play this game. The EBU has the display, scanning barcode sensor, display, sound, and the 3 buttons. Unlike the other electronic banking units that are like calculators in other editions, the EBU does not have slots or numeric buttons.

The EBU requires 3 AAA batteries to get it to work. The unit has 3 buttons: checkmark, “M”, and “X”. To turn the EBU on, press any button.

When turning on the EBU for the 1st time, the unit flashes the 4 token icons on display. The unit prompts the players to tap (scan) the Bank cards to join the game. If the Bank card is scanned, the unit will stop flashing the icon that corresponds to that Bank card. At least 2 players have to tap the Bank cards in order for the game to play. If the player taps the wrong Bank card, they can undo by pressing the “X” button and the unit will flash the incorrect icon. When the players are done scanning, they press the checkmark button to start the game.

The EBU knows how much money that the players have and what properties owned by each player. The EBU does not have to be turn off because it will go to sleep after 5 minutes of inactivity to save the battery power. Also, it will save the game progress. To turn the unit back on, press any button and the game resumes to that same progress.

Sometimes, players make mistakes. If you make a mistake, you can undo the mistaken transaction.

  • You can undo only the single most recent transaction. That means that the other past transactions are already been made and cannot be undone.

To undo, press & hold the checkmark and the “M” buttons for 5 seconds. Once you hear the sound from the EBU, the EBU undoes the previous transaction.

The two most common mistakes are:

  • Collecting rent while you are in Jail
    • This is in huge contrast from most editions of Monopoly.
  • Getting out of Jail for free by rolling a double
    • DO NOT use the "M" button to get out of Jail. Doing that will cost you $100, so you have to undo that.

You can adjust the volume of the EBU. To adjust, press both the checkmark and the "X" buttons at the same time. The screen will show the small circles. These circles represent the level of volume. By default, 4 circles are shown. There are 5 volume levels to adjust; the softest volume has no circles shown.

To adjust:

  • Press the checkmark button to adjust upwards.
  • Press the "X" button to adjust downwards.

NOTE: You cannot mute (no sounds) the EBU.

Once you are satisfied, press the "M" button to confirm the setting.


If just one player is bankrupt, the EBU will end the game. Once the game ends, the EBU will calculate the final scores for the remaining players. The final score consists of the total values of cash at current value and properties at purchase prices. The player with the highest final score will win the game. The EBU will show the winner.


To reset (or to start a game all over), press & hold the “X” button for 5 seconds. The game progress will be lost and cannot be retrieved.

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