3 Mermaids has been catching plenty of attention, so we put it through its paces to see how it really holds up. This is a Tom Horn Gaming slot game, sitting firmly in the high volatility bracket and paying back a return-to-player rate of 94.96%. Top wins are capped at 162,000x your stake, a genuinely massive ceiling for the patient. You get a 3-reel grid running 5 paylines, all built around an ocean and mermaid theme. But is it actually worth playing? Read on.
Written by Daniel Chen · Last updated: February 2026
This release, 3 Mermaids, is the work of Tom Horn Gaming. Presentation-wise it's themed around ocean and mermaid, and it leans toward high volatility at 94.96% RTP. Under the hood you'll find a 3-reel grid running 5 paylines.
Where 3 Mermaids earns its keep is the feature set. Look out for scatter symbols that unlock free spins and extra bonus rounds. With high variance, this one is aimed at players who can ride out the swings for the top wins. Overall it's a well-rounded release that knows what it is.
The RTP of 94.96% is below the industry average of ~96%. This is common for older slots or those with special features. The lower RTP may be offset by unique mechanics or higher maximum win potential.
High volatility means longer gaps between wins, but when wins do land, they can be significantly larger. A bigger bankroll and patience are recommended for this type of slot.
About 1 in 3 spins results in a win. This is a moderate hit frequency that balances win frequency with payout size.
3 Mermaids features scatter symbols that can trigger free spins rounds. Landing the required number of scatter symbols anywhere on the reels activates the free spins feature, giving you extra chances to win without additional bets. During free spins, special modifiers may apply to boost your winning potential.
3.0 / 5 — Good
3 Mermaids by Tom Horn Gaming is a solid offering that delivers good entertainment value. The 94.96% RTP combined with high volatility creates a well-balanced gaming experience.