Rating: 4/10

• Game provider: Relax Gaming
• Last update: 09.01.2026
• Reviewed by: Mark Bowley

Money Train Slot Review

Game provider	Relax Gaming
Minimum bet	0.10
Maximum bet	50
Maximum win	20,000x
Paylines	40
Release date	06/08/2019
RTP	96.20%
Mechanics	Video Slot
Volatility	Very High

Developed by Relax Gaming, Money Train is a Western-inspired video slot that fully embraces a high-risk, high-reward philosophy. Since its launch in August 2019, the game has attracted players who are less interested in frequent small wins and more focused on explosive payout potential.

Set against a rugged train heist backdrop, the slot leans heavily into its outlaw theme, creating a tense and immersive experience. The visual style, combined with intense bonus features, reinforces the feeling of danger and anticipation on every spin.

Money Train is not designed for cautious play. Its very high volatility means long stretches without notable returns are possible, but those who remain patient are rewarded with access to massive multipliers and game-changing win potential. For players chasing adrenaline and unpredictable bonus action, this title stands out as a bold and uncompromising option.

Base game & core features

Money Train is built on a 5×4 reel layout with 40 fixed paylines, offering a straightforward and easily readable structure that most slot players will recognize instantly. During standard spins, the game relies on stacked wild symbols that can cover large portions of individual reels, increasing the likelihood of connecting winning lines.

While the base game keeps a steady rhythm in terms of hit rate, its very high volatility shapes the overall experience. Wins do appear regularly, but their distribution can feel uneven over longer sessions, with payouts arriving in clusters rather than at predictable intervals.

All wins are formed along predefined paylines, with symbol interactions gradually contributing toward activating the bonus feature. Most base game payouts are modest, usually ranging from around 0.2x up to 5x the stake, which helps maintain balance and momentum between larger events.

These smaller but frequent returns reduce the risk of prolonged dry spells, keeping players engaged while waiting for the main attraction. However, despite the solid base gameplay, the true intensity and profit potential of Money Train are reserved for the Money Cart Bonus, where the slot’s most explosive mechanics come into play.

Money Train free spins

The Money Cart Bonus is triggered by landing three Bonus Scatter symbols on reels 1, 3, and 5. Once activated, the feature begins with three free spins. What defines this mode is its respin mechanic: every time an additional scatter symbol appears, the spin counter is reset back to three, allowing the bonus round to extend far beyond its initial length.

Thanks to this reset system, bonus sessions can grow unexpectedly long, especially when special modifier symbols enter the reel set. The longer the feature continues, the greater the opportunity for value accumulation and escalating payouts.

Several unique symbols drive the bonus round’s high win potential. The Widener temporarily increases reel width and applies a multiplier to the resulting payout. The Collector gathers all visible coin values on the screen and multiplies them for an immediate payout boost.

More advanced variants further amplify the action. The Persistent Collector continues to accumulate collected values across subsequent spins, steadily building total win value. The Money Safe injects fixed coin amounts directly into the bonus balance, while the Payer symbol applies random multipliers to the current win.

For sustained momentum, the Persistent Payer retains its multiplier effect over multiple spins, allowing multipliers to stack and compound as the bonus progresses. When several of these modifiers combine, win potential can increase at a rapid pace.

Players who prefer instant access to the feature can activate the Bonus Buy option for 80x their current stake. This function launches the Money Cart Bonus immediately and increases the theoretical RTP from 96.20% to 98%, making it an attractive choice for those focused on maximizing return efficiency.

By bypassing the often challenging bonus trigger, the Bonus Buy feature removes the main bottleneck of the gameplay and delivers direct access to the slot’s most volatile and rewarding mechanics.

Money Train big win potential

The combination of persistent multipliers, value collectors, and extended respins gives Money Train its reputation for explosive payouts. While base game wins remain modest, a well-developed bonus round can escalate quickly, producing high-magnitude wins that define the slot’s appeal to high-risk players.

How to play Money Train

• Select your stake before spinning the reels. The betting range starts from 0.10 and goes up to 50 per spin.
• Money Train uses a 5×4 reel layout with 40 fixed paylines. All winning combinations are evaluated across these paylines.
• Press the Spin button to start a round. Wins are paid when matching symbols align from left to right on active paylines.
• Wild symbols substitute for standard paying symbols to help complete winning combinations, but they do not replace Bonus Scatter symbols.
• Multiple wins can be awarded on a single spin if different paylines form winning combinations simultaneously.
• Bonus Scatter symbols appear on reels 1, 3, and 5 only. Landing three of them in one spin activates the Money Cart Bonus.
• During the bonus round, players begin with three free spins. Each new scatter resets the spin counter back to three.
• Special modifier symbols, such as Collectors, Payers, and Wideners, appear exclusively during the bonus feature and enhance win potential.
• The bonus round continues until no free spins remain and no additional scatters are triggered.
• An optional Bonus Buy feature allows direct access to the Money Cart Bonus for a fixed cost of 80x the current stake.
• Game outcomes are determined by a certified random number generator, ensuring fair and independent results on every spin.

Playing Money Train on mobile

Money Train is fully optimized for mobile play, allowing users to enjoy the slot on both smartphones and tablets without sacrificing performance or functionality. The game runs directly in a mobile browser, which means no app download is required on either platform.

On iOS devices, including iPhone and iPad, the slot is compatible with modern versions of Safari and other supported browsers. Touch controls are smooth and responsive, making it easy to adjust bet levels, spin the reels, and activate in-game features with simple taps.

Android users can access Money Train through Chrome and other popular mobile browsers. The interface automatically adapts to different screen sizes, ensuring that reels, symbols, and bonus information remain clear even on smaller displays.

The mobile version mirrors the desktop experience in full. All core mechanics, paylines, bonus features, and the Money Cart Bonus function identically across devices, with no restrictions applied to gameplay or win potential.

Thanks to efficient optimization, the game performs reliably even on mid-range smartphones. Stable performance, fast loading times, and intuitive navigation make Money Train a practical choice for players who prefer spinning the reels on the go.

Our honest verdict

Money Train delivers a sharply contrasted gameplay experience. On one hand, it impresses with a gritty Wild West presentation and a bonus round packed with dynamic mechanics. On the other, it demands notable endurance during standard play, where momentum builds slowly and rewards are far from guaranteed.

Relax Gaming’s execution stands out visually, with intense character designs and a tense train-robbery atmosphere that reinforces the slot’s high-stakes identity. Once the Money Cart Bonus is activated, the game truly comes alive, offering layered modifiers and varied paths to profit. With a maximum win potential of up to 20,000x the stake, the upside is both significant and achievable within the bonus-driven structure.

That said, the balance is heavily tilted toward feature play. A large share of total returns is generated inside the bonus round, leaving the base game to serve mainly as a buildup phase. Player sentiment consistently highlights the same issue: triggering the bonus organically can be extremely difficult, often steering users toward the Bonus Buy option as a practical alternative.

Money Train is best suited for players who actively seek very high volatility and are prepared for long sessions with limited action before a major payoff. Fans of Relax Gaming’s design philosophy and those drawn to outlaw-themed slots with aggressive multiplier mechanics will likely appreciate what it offers.

For players who prefer steady base game interaction or frequent mid-level wins, this slot may feel unforgiving. However, for its intended audience, Money Train remains a solid, well-crafted title that earns its place as a recurring choice rather than a casual spin.

Frequently asked questions

What is the RTP of Money Train?

Money Train has a theoretical RTP of 96.20%. When using the Bonus Buy feature, the RTP increases to approximately 98%, according to the game provider.

How volatile is the Money Train slot?

This slot is classified as very high volatility. Wins can be infrequent during base gameplay, but the bonus round offers the potential for large payouts.

How do you trigger the Money Cart Bonus?

The Money Cart Bonus is activated by landing three Bonus Scatter symbols on reels 1, 3, and 5 in a single spin during the base game.

What is the maximum win in Money Train?

The maximum payout in Money Train is capped at 20,000x the total stake, achievable through a well-developed bonus round with multipliers and modifiers.

Can Money Train be played on mobile devices?

Yes, Money Train is fully optimized for mobile play and runs smoothly on both iOS and Android devices through modern mobile browsers, without requiring any app downloads.