Money Train Slot

Progresiv:
No
RTP:
96.20%
Bonus Buy:
Yes
Max Win:
20,000x

Money Train is one of those slots that looks simple but has teeth. You get a gritty Wild West train heist theme, a brutal high volatility math model, and a bonus round that can jump from dead to insane very fast. The whole game is basically built around that Money Cart feature, with the base game feeling like a long setup. In this Money Train review, I go through the real strengths and weak spots, not just the headline win cap.

Hristijan Loleski
Hristijan Loleski

Hristijan Loleski

Written by: Hristijan Loleski
Last updated on: January 15, 2026

What we love

  • 20,000x max win
  • Great Western presentation
  • Bonus buy boosts RTP
  • Above-average base RTP

Room for improvement

  • Very streaky base game
  • Bonus can be hard
  • Money Cart feels repetitive

Top Casinos to Play Money Train Slot

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Money Train Slot Overview

Money Train is a 5 reel, 4 row casino game with 40 fixed paylines. Stakes usually start at $0.20 and run up to around $50 per spin, depending on the casino. The max win is advertised at 20,000 times your bet, but you need a very strong bonus round to get anywhere near that number. The base game uses classic line wins rather than clusters. All the real depth sits inside the Money Cart bonus, where special symbols stack multipliers, expand the reels, and reset your respins.

Money Train Slot game, Money Train Online Slot Casino Crest

RTP and Volatility of Money Train Slot

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Money Train runs at a default RTP of 96.20%, which sits a little above the common 96% benchmark for online casinos. That figure is fine for a high volatility title, but there is an important catch. The top casino game developer, Relax Gaming, allows different RTP versions, so some casinos can host reduced settings.

 

Volatility here is firmly high. Official stats put the max win at 20,000 times your stake and a hit frequency around 18.7%, which means roughly one in five spins pays something, often small.

Money Train Slot Visuals and Design

Money Train slot gameplay

Money Train nails its Wild West heist idea visually. The reels sit on the side of a rusted train at a dusty frontier station, with old shacks, a windmill, and desert sky in the background. The soundtrack leans into spaghetti Western territory, with tense guitar loops and little bursts of gunfire when you hit wins or features.

 

Symbol design is clean and easy to read. Low pays are wooden card suits, carved in different colors. Premiums are four outlaw characters, all stacked in the base game, which helps you land full lines. The wild is a pair of crossed shotguns and pays like the top outlaw, while also substituting for regular symbols on winning lines.

SYMBOL3-Symbol Win4-Symbol Win5-Symbol Win
Diamonds0.20x0.70x3x
Clubs0.20x0.70x3.50x
Hearts0.20x1x4x
Spades0.20xx15x
Blue Bandit0.50x2x8x
Green Bandit0.50x2.50x9x
Orange Bandit0.60x3x10x
Red Bandit0.80x4x20x

Bonus Features in Money Train Slot

 

Money Train feels pretty straightforward in the base game. You spin fixed paylines, watch stacked symbols land, and wait for three bonus symbols or the buy feature to finally open the Money Cart.

bonus buy icon
Money Cart Bonus Round

The Money Cart bonus is the heart of Money Train. You trigger it by landing three bonus symbols anywhere on the reels, or by using the Bonus Buy (80x). When the feature starts, the triggering symbols reveal starting multipliers and lock in place. You get three spins on a special set of reels that show only blank spaces or special coins. Each time you land at least one new symbol, the spin counter resets to three. When you go three spins in a row with no new symbols, the round ends, and you collect the total multiplier.

bonus buy icon
Regular Money Symbols

Basic money symbols simply display a value such as 1x, 2x, or 10x your bet and stick in place. They are the backbone of the round. You need a decent base of these before special symbols really shine.

bonus buy icon
Payer and Persistent Payer

The Payer symbol adds its value to every other symbol currently on the reels, which can give a big jump if you already have several coins sitting. The Persistent Payer is more exciting. It repeats that same action on every spin after landing, constantly boosting everything until the bonus ends.

bonus buy icon
Collector and Persistent Collector

The Collector grabs the value of all other symbols and adds that total to itself in one move. The Persistent Collector repeats that behavior at the end of every spin. It does not collect its own previous total, but it still ramps the overall value very quickly once the screen fills up.

bonus buy icon
Widener

The Widener symbol expands the reel set by opening an extra reel. This increases the number of positions where money or special symbols can land. You can open up to two extra reels in a single bonus.

bonus buy icon
Bonus Buy

In many markets, you can skip the base grind and buy direct entry to the Money Cart for a fixed price. When you do that, some versions increase the RTP to around 98%, which is excellent from a pure numbers standpoint. Of course, that does not remove the volatility. You can still buy a bonus and watch it die in a few low coins.

Money Train Mobile Experience

roulette mobile icon

Money Train runs smoothly on mobile in my experience. The 5×4 layout fits small screens nicely, and the controls are clear in portrait or landscape mode. Relax Gaming builds its games in HTML5, so you get the same visuals and animations across iOS, Android, and desktop.

 

The Western artwork still looks sharp even on older phones, and the bonus round remains easy to follow, which matters when lots of symbols land at once. If you enjoy playing on the go, this slot handles that use case very well.

Casino Crest’s Verdict

blue ace with chips icon

Money Train is not a friendly little time killer. It is a high volatility Western that lives and dies on its Money Cart feature. When the bonus behaves, the combination of collectors, payers, wideners, and respins feels great, and the potential is clearly there.

 

I like the theme, the clean payline structure, and the way each special symbol has a clear role. I also like that the bonus buy improves the RTP where available, which is rare. Still, I only recommend Money Train to players who understand variance and are comfortable with swings.

star in circle icon

Rating: 4.6 / 5

rtp icon

Best For: Players who like feature-rich slots.

Frequently Asked Questions

Three bonus symbols trigger a separate reel set with coins and special symbols that stack multipliers and reset respins.

Money Train is high volatility, with long dry stretches possible, but a max win advertised at 20,000x your stake.

Yes, many casinos offer a Bonus Buy that opens the Money Cart feature instantly for a fixed price.

Most versions start at $0.10 per spin, with maximum stakes usually up to around $50 per spin.