Money Train Slot

Money Train Slot Review

Money Train is Relax Gaming’s high-volatility Wild West masterpiece, released in 2019 and built around one of the most distinctive bonus mechanics in the slot industry. Powered by stacked symbols and a unique Money Cart Bonus Round, this 5-reel, 4-row game quickly became a favourite among volatility chasers and casino streamers alike. The game’s 40 fixed paylines, wide £0.10-£50 betting range, and legitimate 20,000x maximum win have cemented its reputation as a serious contender for players seeking explosive entertainment rather than steady returns.

Base Game & Features

Money Train operates on a straightforward 5-reel, 4-row grid with 40 fixed paylines, forming the foundation for the game’s high-volatility gameplay. The grid configuration allows for stacked symbols to play a central role in base game dynamics, with the Wild symbol (represented by a dynamite stick) capable of landing stacked across multiple reels and substituting for all regular symbols except the scatter.

Symbol values are structured around a Wild West theme, with premium symbols delivering the highest payouts. The highest-paying icon awards up to 300 coins for five across a payline, with mid-tier symbols ranging from 200 to 50 coins depending on rarity. Lower-value card symbols (9, 10, J, Q, K, A) provide the baseline wins but trigger frequently enough to maintain engagement during extended base game play sessions. The stacking mechanics mean that even a single reel of stacked symbols can complete multiple payline combinations, adding an extra layer of win potential beyond the standard 40-line structure.

The base game includes occasional wild expansions and multiplier modifiers, though these occur infrequently enough that the base game does trend towards longer dry spells between significant wins. This is intentional design — the true gameplay momentum builds when you trigger the scatter symbols that activate the Money Cart Bonus Round.

Special Symbols & Triggers

The scatter symbol is your key to the Money Cart Bonus Round, and you’ll need scatters to land on reels 1, 3, and 5 simultaneously to trigger the bonus feature. The Wild symbol is equally crucial during base game play, landing as stacked symbols and capable of covering entire reels, dramatically increasing your win potential on any given spin. The combination of these two symbols drives Money Train’s mechanics — scatters unlock the big money, whilst wilds create the base game opportunities that keep casual sessions engaging.

Bonus Features & Free Spins

The Money Cart Bonus Round is where Money Train truly distinguishes itself from standard high-volatility slots. Triggered by landing scatter symbols on reels 1, 3, and 5, you’ll commence the bonus with a guaranteed 3 free spins. During this round, the game’s special modifier symbols come into play, creating a dynamic and genuinely unpredictable experience.

Six distinct modifier symbols activate during the Money Cart round, each with unique mechanics:

• Money Safe: Awards a fixed coin value that gets added to your bonus total
• Payer: Multiplies your current win by a random value
• Persistent Payer: Applies multipliers that carry over across multiple spins within the bonus
• Widener: Expands reel widths temporarily, increasing symbol combinations
• Collector: Gathers coins from other modifier symbols and consolidates them
• Persistent Collector: Collects values across the entire bonus round, accumulating progressively

The brilliant aspect of Money Train’s bonus design is that these modifiers interact unpredictably. You might land a Persistent Collector early that accumulates throughout the round, then have a Widener expand your reels on the penultimate spin, creating massive multiplier opportunities. Alternatively, you could face consecutive Wideners without sufficient multipliers — the variance is genuinely high. Community consensus confirms this is exactly what keeps the game exciting rather than formulaic.

Retriggers are possible when additional scatter symbols land during the bonus, extending your free spin count and giving the modifiers more opportunities to build exponential wins. The most remarkable wins in Money Train’s history have come from extended bonus rounds with multiple multiplier stacks combining into the advertised 20,000x maximum potential.

Theme & Paytable

Money Train embraces a Wild West theme with genuine personality. Symbols feature classic cowboy imagery, dynamite sticks as wilds, and a vintage train aesthetic that carries throughout the Money Cart bonus round visual design. The theme isn’t merely cosmetic — it informs the bonus mechanics, with the Money Cart concept providing a natural framework for the stacking multipliers and modifiers that drive the game’s volatility. Gold and brass textures dominate the interface, giving the game a premium, vintage feel rather than cartoonish aesthetics.

The paytable is straightforward to navigate, displaying symbol values clearly alongside the fixed 40-payline structure and modifier descriptions. Most UK operators present the paytable in both GBP and EUR currencies, with Money Train structured around decimal coin values rather than complex multiplier tables.

RTP & Volatility Analysis

Return to Player (RTP): 96.20% (base game)

The base game RTP of 96.20% sits slightly above industry average for high-volatility slots, indicating fair mathematical design. More importantly for strategic players: the RTP boosts to 98.0% when you use the bonus buy feature, making the 80x bet cost for instant Money Cart access genuinely worthwhile if you’re chasing pure mathematical edge.

Volatility: Very High (4.2/5)

Money Train is unambiguously a very high-volatility game. Extended dry spells are completely normal — players report 50+ spin sessions without hitting the Money Cart Bonus as routine occurrence. When the bonus does trigger, however, the variance compounds rapidly. Community feedback confirms that the high volatility isn’t a bug but core design intent; casual players expecting regular base game excitement will find this frustrating, whilst high-volatility chasers discover exactly what they’re seeking.

Betting Options & Max Win

Bet Range: £0.10 to £50 per spin

Money Train’s betting range is exceptionally wide, accommodating everyone from casual players managing tight bankrolls to professional high-stakes players chasing maximum exposure. The £0.10 minimum is particularly significant — it makes the game accessible to budget-conscious players who want to experience the bonus round mechanics without requiring substantial session funding. The £50 maximum caters to high rollers seeking maximum volatility impact.

Maximum Win: 20,000x Stake

The 20,000x maximum win isn’t theoretical hyperbole — the game has delivered this multiple times across social media and documented player sessions. Streamer records and Reddit threads provide legitimate evidence of genuine hits, though realistically these occur during extended bonus rounds with optimal modifier stacking. A £50 stake multiplied by 20,000 equals a £1,000,000 win — a life-changing payout that, whilst rare, has verifiable precedent in Money Train’s history.

Mobile Experience & Platform Compatibility

Money Train runs flawlessly on mobile across iOS and Android devices with no download required — it’s a pure HTML5 experience. The game adapts intelligently to both portrait and landscape orientations, maintaining readable paytables and responsive controls regardless of device orientation. Performance remains smooth on smartphones and tablets, with no lag during bonus rounds even on mid-range devices. Community feedback consistently praises the mobile experience as one of the platform’s strengths, with players reporting identical gameplay quality whether accessing from desktop or phone.

Bonus Buy Feature & Strategic Play

Money Train’s Bonus Buy feature costs 80x your stake and grants instant access to the Money Cart Bonus Round, bypassing the base game entirely. This pricing is relatively competitive compared to similar high-volatility slots. The strategic calculation: base game RTP is 96.20%, but using bonus buy elevates your RTP to 98.0%, creating a minor mathematical advantage for the feature purchase. Streamer commentary confirms that experienced players often use bonus buy during session conclusions to convert dwindling bankrolls into bonus-only sequences where modifier stacking becomes possible.

Money Train Slot FAQs

• What is the RTP of Money Train Slot?

  Money Train’s base game RTP is 96.20%, which sits slightly above industry average for high-volatility slots. Critically, the RTP boosts to 98.0% when you activate the bonus buy feature, making the 80x bet cost strategically valuable for players optimising mathematical edge over extended sessions.
• What is the maximum win on Money Train Slot?

  The maximum payout reaches an impressive 20,000x your stake. This isn’t theoretical — Money Train has delivered multiple legitimate 20,000x wins documented across social media and player records. A £50 maximum bet multiplied by 20,000 equals a £1,000,000 win, though such outcomes require optimal bonus round modifier stacking.
• Is Money Train Slot high volatility?

  Money Train is classified as very high volatility, meaning wins arrive infrequently but reach substantial values when they occur. Extended dry spells of 50+ spins without bonus triggers are normal gameplay, not anomalies. High-volatility chasers will find exactly what they’re seeking, whilst casual players seeking regular base game wins should approach cautiously.
• Can I play Money Train Slot on mobile?

  Yes, Money Train is fully optimised for mobile play on both iOS and Android devices. The HTML5 game works seamlessly on smartphones and tablets, supporting both portrait and landscape orientations with no performance degradation. No download is required — it plays directly through your browser.
• Does Money Train Slot have a bonus buy feature?

  Yes, Money Train includes a bonus buy feature costing 80x your bet, granting instant access to the Money Cart Bonus Round. The feature bypasses the base game entirely, allowing you to skip to bonus spins immediately. With bonus buy enabled, your RTP increases from 96.20% to 98.0%, making the cost strategically justified for experienced players.
• What are the free spins and bonus features in Money Train Slot?

  Money Train features a Money Cart Bonus Round triggered by three scatter symbols on reels 1, 3, and 5, starting with 3 free spins. During the bonus, six modifier symbols can activate — Money Safe, Payer, Persistent Payer, Widener, Collector, and Persistent Collector — creating unpredictable and genuinely exciting outcomes as modifiers combine and stack multipliers progressively.
• What is the minimum and maximum bet on Money Train Slot?

  Money Train offers a wide betting range from £0.10 to £50 per spin. The £0.10 minimum makes the game accessible to budget-conscious players, whilst the £50 maximum caters to high-stakes players. This flexibility means players of virtually any bankroll size can enjoy the game and attempt bonus features.

Pros and Cons

Pros:

• Legitimate 20,000x maximum win with documented social media evidence
• Exceptional bonus buy value — RTP boost from 96.20% to 98.0% justifies 80x bet cost
• Wide £0.10-£50 betting range makes game accessible to all bankroll sizes
• Money Cart Bonus with six dynamic modifiers creates genuinely unpredictable gameplay
• Flawless mobile experience across iOS and Android without performance issues
• Well-executed Wild West theme with immersive visual design
• Perfect for high-volatility enthusiasts and streamer-friendly gameplay

Cons:

• Base game does feel tedious during extended play without bonus triggers
• Very high volatility means casual players face frequent dry spells and frustration
• Not suited for players seeking consistent base game wins or regular returns
• Bonus round outcomes highly unpredictable — modifier stacking can disappoint despite trigger
• Requires substantial bankroll to weather extended non-bonus sequences

Rating & Final Recommendation

Overall Rating: 4.2/5.0

Money Train is exactly what it promises — a high-volatility slot designed specifically for players who thrive on explosive wins and unpredictable bonus rounds. For this audience, it delivers brilliantly. The Money Cart Bonus with its six interactive modifiers creates genuinely exciting gameplay moments, the 20,000x maximum win is achievable with optimal conditions, and the RTP boost to 98.0% with bonus buy makes strategic play rewarding.

The game’s core weakness isn’t a flaw but a design philosophy — if you’re seeking frequent base game wins or steady returns, Money Train will frustrate rather than entertain. Extended dry spells are intentional, not bugs. Community feedback consistently confirms this polarity: high-volatility chasers rank Money Train among the best slots released, whilst casual players express disappointment.

The wide £0.10-£50 betting range deserves particular praise, making the game genuinely accessible to budget players whilst accommodating high-stakes sessions. Mobile compatibility is excellent, theme execution is marvellous, and Relax Gaming has created a game that remains compelling nearly six years after release.

Verdict: Money Train is a standout high-volatility slot for the right player segment. If you understand and embrace the volatility, you’ll find exceptional value here. If you’re seeking the alternative, look elsewhere.