The Money Train slot runs on a 5-reel setup with 4 rows and a total of 40 fixed paylines. Winning combinations are formed when 3, 4, or 5 matching symbols land on consecutive reels, starting from the leftmost reel and aligning on any active payline.
Players can place bets ranging from as low as 10p up to $50 per spin. The betting controls are located beneath the reels, where the plus and minus buttons let you fine-tune your stake. For a full overview of all available wagering options, you can open the Settings menu and select the Dollar icon, which displays every bet level on a single, easy-to-navigate screen.
For players outside the UK, a Turbo Mode is available and positioned to the left of the main Spin button, allowing for faster gameplay. On the opposite side, the Autoplay feature enables continuous spins with customizable limits, including total losses, total wins, or single-win caps.
Money Train comes with a solid RTP of 96.2%, slightly above the industry average of 96%. The game delivers a hit approximately once every 5.33 spins, reflecting a hit frequency of 18.73%. As for risk level, the slot is classified as extremely volatile and carries the highest volatility rating of 5 out of 5 according to Relax Gaming.
In terms of potential payouts, the maximum win reaches an impressive 20,000x your total stake, achievable through the Money Cart Bonus feature. That said, players should be prepared for more modest results most of the time, as the average win sits at around 78.4x the total bet.
Theme – Ride With a Wild West Gang and Break Into the Train Safes
Set in the lawless days of the Wild West, Money Train introduces players to the very first chapter of the iconic series. The game throws you straight onto a speeding train, where a ruthless outlaw gang is busy cracking open heavily guarded safes. From the moment the reels start spinning, you’re greeted by a soundtrack inspired by classic spaghetti westerns, instantly setting a gritty, cinematic tone.
Visually, the slot takes place in a dusty frontier town, with the reels framed inside a wooden train carriage. The atmosphere feels raw and authentic, perfectly matching the high-risk gameplay the title is known for.
Lower-paying symbols come in the form of stylized card suits — diamonds, clubs, hearts, and spades — all carved from rough wood. The premium symbols, however, are the true stars of the show: four dangerous gang members who dominate the reels.
These include the deadly Gunslinger, the explosive-loving TNT Expert, the ruthless Debt Collector, and the infamous Sheriff who leads the crew. The Sheriff is the most valuable regular symbol, capable of delivering payouts of up to 20x your total stake when five land across an active payline.
The Crossed Guns symbol acts as the Wild, substituting for all standard symbols to help form winning combinations. Meanwhile, the Safe Bonus symbol is your gateway to the main feature, activating the Money Cart Bonus when it appears on reels 1, 3, and 5 at the same time.
Money Train Symbol Payouts
| Symbol | Payouts / Details |
|---|---|
| Diamond | 3, 4 or 5 = 0.2x, 0.7x or 3x stake |
| Club | 3, 4 or 5 = 0.2x, 0.7x or 3.5x stake |
| Heart | 3, 4 or 5 = 0.2x, 1x or 4x stake |
| Spade | 3, 4 or 5 = 0.2x, 1x or 5x stake |
| Gunslinger | 3, 4 or 5 = 0.5x, 2x or 8x stake |
| TNT Expert | 3, 4 or 5 = 0.5x, 2.5x or 9x stake |
| Debt Collector | 3, 4 or 5 = 0.6x, 3x or 10x stake |
| Sheriff | 3, 4 or 5 = 0.8x, 4x or 20x stake |
| Crossed Guns Wild | Substitutes for all regular symbols |
| Safe Bonus | Appears on reels 1, 3 & 5 to trigger the Money Cart Bonus |
| Money Safe | Exclusive to the Money Cart Bonus feature |
| Payer | Appears only during the Money Cart Bonus |
| Persistent Payer | Bonus feature symbol with persistent values |
| Collector | Collects all visible values during the bonus |
| Persistent Collector | Collector symbol with persistent behavior |
| Widener | Expands reel positions during the bonus round |
| Tumbleweed | Bonus-only symbol adding extra reel activity |
Money Train on Mobile Devices
Developed using modern HTML5 technology, Money Train is fully optimized for cross-platform play. The slot runs smoothly across smartphones, tablets, laptops, and desktop computers without the need for any additional downloads or software.
Thanks to its compact 5-reel by 4-row layout, the game adapts naturally to smaller screens, making it easy to play on mobile devices. Whether you’re using iOS, Android, or Windows-based smartphones, the interface remains clear, responsive, and user-friendly, ensuring a seamless gaming experience wherever you choose to play.
Money Train Bonus Features
Money Train includes two bonus mechanics, but the real highlight of the game is without question the Money Cart Bonus. This feature introduces a respin-style bonus round where special symbols land on the reels to award cash values, boost existing payouts, collect winnings, and even unlock additional reels for bigger reward potential.
Money Cart Bonus Explained
The Money Cart Bonus is triggered when Safe Bonus symbols land simultaneously on reels 1, 3, and 5. Once activated, each of the triggering symbols reveals a cash value before the bonus round officially begins.
You are then awarded three bonus spins (respins). Every time a new symbol appears in an empty position, the respin counter resets back to three. The feature continues as long as fresh symbols keep landing on the reels, creating the potential for extended bonus rounds and escalating payouts.
During the Money Cart Bonus, seven exclusive symbols can appear, each serving a specific purpose:
- Money Safe – Reveals a random bet multiplier value.
- Payer – Awards a bet multiplier that is added to every other visible symbol on the reels.
- Persistent Payer – Grants a multiplier and applies it to all visible symbols for the current spin and all subsequent spins.
- Collector – Awards a multiplier, collects all visible values on the reels, and adds them to its own value.
- Persistent Collector – Collects all visible values at the end of each spin and carries its total forward into future spins.
- Widener – Reveals a multiplier and unlocks an additional reel, creating extra space for new symbols and higher payouts.
- Tumbleweed – A neutral symbol that does not hold a multiplier and does not reset the respin counter.
The Widener symbol is particularly valuable, as landing it early expands the playing field and significantly increases the chances of additional symbols and larger combined wins. When everything aligns, the Money Cart Bonus can deliver payouts of up to 20,000x your total bet.
For players outside the UK, a Bonus Buy option is available. This allows instant access to the Money Cart Bonus for a cost of 80x the current stake. Activating this feature also increases the RTP to 98%, making it an attractive option for players chasing the bonus round directly.
How to Play Money Train
Money Train is a straightforward slot to get started with, but it offers deep gameplay once you dive into its bonus mechanics. Follow the steps below to begin your journey on the Wild West rails.
Step 1: Set Your Bet
Before spinning the reels, choose your stake. Use the plus and minus buttons below the reels to increase or decrease your total bet. Alternatively, open the Settings menu and select the coin or dollar icon to view all available betting options at once.
Step 2: Spin the Reels
Once your bet is set, press the Spin button to start the round. The game uses 5 reels, 4 rows, and 40 fixed paylines, all of which are active on every spin.
Step 3: Form Winning Combinations
Wins are created when 3 or more matching symbols land on consecutive reels from left to right on any active payline. The Crossed Guns Wild symbol can substitute for all standard symbols to help complete winning combinations.
Step 4: Use Game Features
For faster gameplay, you can activate Turbo Mode, which speeds up the spin animations. If you prefer hands-free play, enable Autoplay to spin the reels automatically with customizable limits for losses, total wins, or single wins.
Step 5: Trigger the Money Cart Bonus
The main feature of Money Train is the Money Cart Bonus. This is triggered when Safe Bonus symbols appear on reels 1, 3, and 5 at the same time. Once activated, the bonus round awards respins and introduces special symbols that can significantly boost your winnings.
Step 6: Understand Volatility
Money Train is a high-volatility slot, meaning wins may be less frequent, but they have the potential to be much larger. Playing with a balanced bankroll and choosing a stake that suits your budget is highly recommended.
Step 7: Play Responsibly
Always set limits before you play and remember that slot games are based on chance. Money Train is designed for entertainment, so enjoy the experience and never wager more than you can afford to lose.
Money Train Review Summary – The Birth of the Respins Era
Ratings
- Theme & Symbols: Wild West outlaw setting with memorable character symbols
- Sounds & Music: Cinematic soundtrack inspired by classic westerns
- Bonus Features: Innovative respin mechanic that reshaped slot design
- RTP: 96.2%
- Maximum Win: 20,000x the total bet
- Originality: A true genre-defining release
Money Train delivers strong visual appeal paired with a distinctive, atmospheric soundtrack that perfectly complements its gritty Wild West theme. From a gameplay perspective, the slot marked a clear shift away from traditional western-themed titles by introducing an unconventional and highly engaging bonus mechanic.
Looking back, the Money Cart Bonus can be seen as the starting point of a major trend. Respins-based bonus features have since become a staple across the industry, and Money Train was one of the first slots to prove just how powerful and entertaining this mechanic could be.
While the base game offers solid potential — with wins of up to 800x your stake possible by filling the reels with the Sheriff symbol — the real focus is undeniably on the main bonus round. The Money Cart Bonus is where the slot truly comes alive, offering a maximum payout of 20,000x the total bet.
Success within the feature often hinges on landing key symbols early, particularly the Widener, which unlocks an additional reel and creates more space for high-value symbols. Persistent Payers and Collectors can then dramatically increase total winnings as the bonus round unfolds.
That said, players should keep expectations grounded. The average win during the Money Cart Bonus sits at approximately 78.4x the total stake. Wins exceeding 30x the bet occur roughly once every 191 spins, while payouts of 60x or more appear around once every 519 spins. Unsurprisingly, this places Money Train firmly in the extreme volatility category.
Since its original release, Money Train has achieved cult status among slot enthusiasts. Its success led Relax Gaming to release Money Train 2, which builds on the original formula with a slightly higher RTP of 96.4% and an increased maximum win of 50,000x the stake.
Following the explosive popularity of the sequel, Relax Gaming pushed the concept even further with Money Train 3. This installment takes a bold step in a new direction, offering deeper gameplay mechanics and a staggering maximum payout of up to 100,000x the total bet — double that of Money Train 2 and five times higher than the original Money Train.