Money Train is a high-volatility video slot that has earned a strong reputation among risk-loving players thanks to its gritty Wild West theme, intense gameplay, and the potential for explosive payouts. The game stands out for its unique bonus mechanics, strategic depth, and a bonus round that can dramatically change the outcome of any spin, making Money Train a favorite choice for those chasing big wins rather than steady small returns.
| Pros | Cons |
|---|---|
| ✔️ Authentic Wild West graphics with a gritty atmosphere | ❌ High volatility may not suit cautious players |
| ✔️ Entertaining gameplay with strong replay value | |
| ✔️ Above-average RTP set at 96.20% | |
| ✔️ Money Cart Bonus Round delivers the most exciting moments |
| Score | 90 / 100 |
|---|---|
| Verdict | Relax Gaming delivers a highly entertaining slot experience highlighted by a standout bonus round and strong win potential. |
| Game title | Money Train |
| Software provider | Relax Gaming |
| Game category | Video slot |
| Volatility level | High |
| Return to player (RTP) | 96.20% |
| Main features | Wild symbols, Free Spins, Money Cart feature, bonus rounds, multipliers |
| Paylines | 40 fixed lines |
| Number of reels | 5 |
| Minimum stake | $0.20 (all paylines active) |
| Maximum stake | $25 per spin |
| Available currencies | CAD, USD, EUR |
| Maximum win | Up to 20,000x the total bet |
How Money Train Was Reviewed
To deliver an accurate and well-rounded evaluation of Money Train, the slot was tested extensively through real gameplay. Spending time with the game is the only reliable way to understand how it behaves in different situations and to form a fair, experience-based opinion.
The review process begins with a close look at the core technical elements, including hit frequency, RTP, volatility, symbol values, and payout structure. These factors form the foundation of how the slot performs over time.
Next, the focus shifts to gameplay. This section explores the main mechanics in action and breaks down each bonus feature, explaining how they trigger and what impact they have on potential winnings.
The final stage of testing examines the audiovisual side of the slot. Visual style, animations, and sound effects are analyzed to determine whether they strengthen immersion and overall enjoyment.
To conclude, all key observations are summarized, and the slot receives a final score based on performance, entertainment value, and overall quality.
Money Train symbols and payouts
This part of the review focuses on symbol values, which play a key role in understanding how the slot rewards players and what kind of payout potential can be expected over time.
Money Train features a clear split between high-value character symbols and lower-paying card icons. The top-paying symbols are four distinct characters: an elderly outlaw, a Native American, a green bandit, and a blue bandit. Each of them offers solid rewards when landing in strong combinations.
The lower-tier symbols are based on the classic card suit icons — spades, hearts, clubs, and diamonds. In keeping with the game’s Western atmosphere, these symbols are designed as wooden carvings, adding an extra layer of visual charm.
Winning combinations require at least three matching symbols aligned on an active payline. The payout values for each symbol are summarized in the table below.
| Symbol | 3 of a kind | 4 of a kind | 5 of a kind |
|---|---|---|---|
| Elderly Man | 0.08x | 4x | 20x |
| Native American | 0.06x | 3x | 10x |
| Green Bandit | 0.05x | 2.5x | 9x |
| Blue Bandit | 0.05x | 2x | 8x |
| Spade | 0.2x | 1x | 5x |
| Heart | 0.2x | 1x | 4x |
| Club | 0.2x | 0.7x | 3.5x |
| Diamond | 0.2x | 0.7x | 3x |
Bet limits and autoplay
Money Train offers flexible betting options, allowing players to stake as little as $0.20 per spin or increase their wager up to $25. This wide betting range makes the slot accessible to casual players while still appealing to high-risk enthusiasts. An autoplay function is also available, letting players preselect a set number of automatic spins for uninterrupted gameplay.
RTP explained
The slot comes with a return to player (RTP) rate of 96.20%, placing it slightly above the industry average. RTP represents the theoretical percentage of total wagers that a game pays back to players over time, making Money Train a relatively appealing option from a mathematical standpoint.
Volatility level
Money Train is classified as a high-volatility slot. This means wins may be less frequent, and players can experience extended losing streaks. On the flip side, this volatility level allows for sudden, substantial payouts that can significantly boost your balance.
Hit frequency
Hit frequency reflects how often a slot is likely to produce a winning spin, expressed as a percentage. Due to the high volatility nature of Money Train, this metric is difficult to pin down accurately, and no official estimate is available. While wins may occur sporadically, their value can vary greatly.
Maximum win potential
The game’s top payout reaches an impressive 20,000x the total bet. This high win ceiling is one of the main reasons Money Train continues to attract players who enjoy chasing large rewards.
RTP and volatility summary
With an RTP of 96.20%, Money Train offers a solid theoretical return, meeting the commonly recommended benchmark of 96% or higher. This makes it a reasonable choice for players who value long-term payout potential.
That said, the high volatility may not suit everyone, particularly those who prefer steady, frequent wins. Players who can handle swings in balance, however, may find the possibility of major payouts well worth the risk. The impact of this volatility becomes even more apparent once the bonus features come into play, which are explored in the next section.
Game features
This section breaks down the core mechanics of Money Train, explaining how the main features work and what players can expect when triggering the game’s bonus content.
Wilds, re-spins and special mechanics
Money Train includes more than just standard wild symbols. While the base game is fairly straightforward, the real excitement comes from the Money Cart Bonus Rounds, which define the slot’s identity.
Wild symbols
The wild symbol is represented by two crossed shotguns, clearly marked with the word “Wild.” Its role is to substitute for any regular paying symbol whenever it helps form a winning combination, making it a key element in the base game.
Re-spins
Re-spins play a major role during the bonus rounds. Each bonus sequence begins with three spins, and whenever a new special symbol lands, the spin counter resets back to three. Unlike many slots where scatter symbols trigger free spins, Money Train launches a separate bonus feature instead. Landing three bonus symbols is the gateway to this mode.
Multipliers
Multipliers appear exclusively during the Money Cart Bonus Rounds. These values stack in various ways and can quickly escalate, forming the backbone of the game’s biggest payout potential.
Money Cart Bonus Rounds
The Money Cart Bonus Round is the centerpiece of Money Train. Triggered by landing three bonus symbols, players are taken into a new train car where the focus shifts entirely to building multipliers.
You start with three spins, and each newly landed special symbol refreshes the spin count. Several unique symbols can appear during this feature:
- Payer – Reveals a multiplier value and adds it to other multiplier symbols on the reels.
- Collector – Converts into a multiplier and absorbs the values of all other visible multiplier symbols.
- Widener – Throws dynamite to expand the reel area and then transforms into a multiplier.
- Persistent Payer – Increases the value of all current multiplier symbols and continues to boost future ones.
- Persistent Collector – Works like the Collector but also gathers values from symbols that appear later.
- Tumbleweed – A blank symbol with no value or special function.
This bonus round is where the largest wins are most likely to occur, thanks to the way multipliers interact and grow.
Bonus buy option
Players can choose to purchase direct access to the Money Cart Bonus Round. One advantage of using this option is an increased RTP, which rises to 98% when the bonus is bought.
Final thoughts on the bonus features
Relax Gaming took a creative approach by replacing traditional free spins with a standalone bonus game that feels fresh and rewarding. While triggering the bonus naturally may take some time, the payoff can be substantial once it finally activates.
Money Train graphics and sound
From a visual standpoint, Money Train delivers a polished and well-crafted presentation. The action unfolds on top of a moving train, with detailed Wild West scenery in the background, including rustic buildings, a spinning windmill, and a glowing red signal light at the rear of the train. These small visual elements help bring the setting to life and reinforce the game’s gritty frontier theme.
The audio design complements the visuals nicely. A catchy Western-style soundtrack plays throughout the game, while winning spins are accompanied by atmospheric sound effects such as gunshots and weapon reloads. Together, the music and effects add energy to each spin without becoming overwhelming.
Money Train is fully optimized for mobile play, maintaining smooth performance and clear visuals on both smartphones and tablets. This makes it easy to enjoy the slot on the go without sacrificing quality.
| Graphics style | 2D |
|---|---|
| Mobile optimization | ✔️ Yes |
| Audio | Background music and thematic sound effects |
| Special visual features | Wild West setting, animated train environment |
Overall atmosphere
Relax Gaming successfully captures the spirit of the Wild West in Money Train. The combination of detailed symbols, immersive scenery, and fitting sound design creates a cohesive atmosphere that enhances the overall gameplay experience.
Money Train FAQs
What type of slot is Money Train?
Money Train is a high-volatility video slot developed by Relax Gaming, designed for players who enjoy risk-heavy gameplay and the potential for large payouts.
What is the RTP of Money Train?
The slot has an RTP of 96.20%, which is slightly above the industry average and makes it an attractive option for long-term play.
Is Money Train a high volatility slot?
Yes, Money Train is classified as a high volatility game. Wins may be less frequent, but they can be significantly larger when they occur.
What is the maximum win in Money Train?
The maximum possible payout is up to 20,000x the total bet, achievable during the Money Cart Bonus Round.
How many paylines does Money Train have?
The game features 40 fixed paylines, all of which are active on every spin.
What are the minimum and maximum bets?
Players can wager from $0.20 per spin up to a maximum bet of $25, making the slot suitable for both low and medium-budget players.
Does Money Train have free spins?
No, the game does not include traditional free spins. Instead, it offers a separate bonus game known as the Money Cart Bonus Round.
Can you buy the bonus feature?
Yes, Money Train includes a Bonus Buy option that allows players to purchase direct access to the Money Cart Bonus Round, increasing the RTP to 98%.
Is Money Train available on mobile devices?
Yes, the slot is fully optimized for mobile play and runs smoothly on smartphones and tablets without losing visual quality.
Who is the developer of Money Train?
Money Train was created by Relax Gaming, a well-known provider recognized for innovative slot mechanics and high-quality game design.