Money Train Slot Review

Money Train by Relax Gaming is a Wild West-themed slot that launched in 2019 and quickly became one of the most talked-about high-volatility releases of its era. Built on a 5x4 grid with 40 paylines, it offers a maximum win of 20,000x your stake and an RTP of 96.2%. The real draw here is the Money Cart bonus round — a respin feature packed with persistent symbols, collectors, and payers that can stack up absurd multiplier values. Try the free demo above before risking real cash.

Money Train doesn't pretend to be anything it isn't. This is a bonus-dependent, high-volatility slot designed to grind your balance down in the base game and then potentially blast it back up in a single feature hit. If you need frequent small wins to enjoy yourself, close this tab now. This slot will bore you and then bankrupt you before the bonus ever triggers.

If you've played Dead or Alive 2 by NetEnt or Tombstone by Nolimit City, you already understand the formula: Western aesthetic, punishing base game, explosive bonus potential. Money Train sits comfortably alongside those titles, though its bonus mechanic — a respin collector system rather than traditional free spins — gives it a distinct identity. It also spawned two sequels (Money Train 2 and 3), both of which cranked the max win higher, but the original still holds up remarkably well.

The base game is straightforward. Five reels, four rows, 40 fixed paylines. Symbols are split between low-paying card royals and higher-paying character icons. Wilds substitute for everything except scatters and bonus symbols. Nothing fancy here — Relax Gaming kept the base game deliberately simple because all the action lives in the bonus.

Mathematically, the 96.2% RTP and high volatility mean long dry stretches are normal. We tracked sessions where 80+ spins passed without a win exceeding 5x. The base game hit rate felt like roughly 1 in 3.5 spins returned something, but most of those returns were 0.5x to 2x — just enough to slow the bleeding. The real math happens in the Money Cart round, where the 20,000x cap becomes theoretically reachable through stacked collector and payer symbols.

Three bonus scatter symbols (the golden shields) on reels 2, 3, and 4 trigger the Money Cart Bonus Round. In our testing, this triggered roughly every 180–220 spins, though variance means you might wait 300+ or get lucky at spin 50.

Once triggered, the reels transform. You start with 3 respins and the triggering symbols remain on the grid, each displaying a cash value. Every new symbol that lands resets the respin counter to 3. The round ends when respins run out or every position is filled. Special symbol types make this feature genuinely interesting:

• Payer symbols — add their displayed value to every other symbol on the grid
• Collector symbols — absorb the value of every other symbol currently on the grid
• Persistent symbols — activate on every single respin, not just once

The interaction between persistent payers and collectors is where the big wins hide. A persistent collector sitting next to accumulating payers can snowball into four-figure multiplier totals. In our sessions, bonus payouts ranged from a disappointing 15x to a thrilling 847x. The 20,000x cap requires perfect symbol alignment — rare, but structurally possible.

Play if:

• You have a bankroll of at least 200x your bet size (400+ spins of runway)
• You enjoy bonus-or-bust slots where the feature carries the entire session
• You want a collector/payer mechanic that feels genuinely different from standard free spins bonus rounds
• You're comfortable with long losing streaks punctuated by sharp spikes

Skip if:

• Your bankroll is under £40 at minimum bet (that's only 200 spins — cutting it very close)
• You prefer steady, low-volatility grinders with frequent payouts
• You chase losses — this slot will punish that tendency hard. Review casino bonus mistakes before playing

Money Train is widely available at licensed UK operators. Check our list of best slots sites for vetted casinos carrying Relax Gaming titles. UK players should verify UKGC licensing before depositing. For those wanting to test without risk, look for a no deposit bonus — some sites offer small amounts of bonus credit that can be used on slots like this. When you do win, you'll want your money quickly, so we recommend sticking with fast payout casinos that process withdrawals within 24 hours.

Money Train is a bonus-or-bust slot that respects your intelligence enough to not disguise it. The base game is thin by design, and the Money Cart round is where every session is won or lost. Five years after release, the collector/payer mechanic still feels fresh, and the 20,000x ceiling is realistic enough to actually appear in human-length sessions. If you have the bankroll and the patience, it's one of the best high-volatility slots of its generation.

Key Stats

• Provider: Relax Gaming
• RTP: 96.2%
• House Edge: 3.8%
• Volatility: High
• Max Win: 20,000x
• Reels: 5x4
• Paylines: 40
• Bet Range: £0.20 – £25
• Features: Wilds, Free Spins, Bonus Round, Respins, Persistent Symbols, Payer Symbols, Collector Symbols
• Release Year: 2019

Responsible Gambling

High-volatility slots like Money Train can produce extended losing streaks. Never bet more than you can afford to lose, set time and deposit limits, and take breaks. Visit our responsible gambling page for tools and advice, or contact BeGambleAware.org for independent support.