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Money Train is the original Wild West respin slot from Relax Gaming, released before its sequels expanded the mechanic into the extreme-volatility territory most players now associate with the series. It plays on a 5x4 grid with 40 paylines and a high volatility rating. The core feature is the Money Cart bonus: three or more money symbols trigger a respin round where those symbols lock in place, each carrying a multiplier value, and accumulate across further respins until three spins pass without a new money symbol or all 20 positions fill. The base RTP is 96.20%. Using the bonus buy, which costs 80x your stake, lifts the RTP to 98%, one of the highest figures available in any commercial slot. The max win stands at 20,000x.
Key takeaways
- RTP: 96.20% through base-game play. The bonus buy at 80x stake raises it to 98%, a substantially above-average figure for the genre.
- Volatility: high. Lower than the sequels, but the session dynamics are still driven by the Money Cart bonus rather than base-game spins.
- Max win: 20,000x your stake, reached in the Money Cart respin when money symbols fill the board and their multiplier values combine.
- Money Cart mechanic: three or more money symbols trigger a respin; each locked symbol carries a value; new money symbols landing reset the respin counter to three.
- Bonus buy at 98% RTP: entering via the buy does not guarantee profit, but a 98% theoretical return is among the highest of any non-jackpot slot. Operators may disable the feature or run reduced builds.
Play Money Train for free
Try the full game in demo mode: play money only, no deposit, no real winnings. Test the features and volatility before you stake anything real.
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How Money Train works
Money Train plays on a 5x4 grid with 40 fixed paylines, paying left to right with standard symbol combinations. The base game produces wins through conventional payline matches, with the Wild West theme carrying through the symbol set: outlaws, gold bars, train cars, and revolvers. Base-game wins accumulate the balance modestly; the session direction is determined by whether and when the Money Cart respin triggers.
Money symbols are the key elements. These are distinct from standard symbols and carry multiplier values rather than contributing to payline wins. When three or more land anywhere on the grid in a single base-game spin, the Money Cart bonus activates.
The Money Cart respin: structure and mechanics
The Money Cart respin is the original version of a mechanic Relax Gaming has since built two sequels around. Its structure is direct: all money symbols that triggered the feature lock in their positions, each displaying a numeric multiplier value. Three respins start. On each subsequent spin, new money symbols that land also lock in place and reset the respin counter to three. The round ends when the counter exhausts or when all 20 positions on the 5x4 grid are filled.
At the end of the feature, the game totals the multiplier values of all locked symbols and pays that figure as a multiple of the triggering stake. A board filled with high-value money symbols therefore pays a very large multiple; a feature that triggers on three symbols and produces no further landing during respins pays only the three triggering values.
The original Money Train does not include the collector, persistent, or sniper symbols introduced in the sequels. The bonus is simpler: each symbol contributes its own face value, and the total is the sum of all values on the board. This clarity makes the feature easier to read during play but limits the ceiling to 20,000x, achievable only when a full board of high-value symbols accumulates.
Base RTP versus bonus buy RTP
The distinction between Money Train’s two RTP configurations matters more here than for most slots. At 96.20%, the base game is above average for the slot genre. At 98% via the bonus buy, it is among the highest published RTPs for any non-jackpot commercial slot.
The reason the buy is priced to deliver 98% is that almost all of the game’s expected return sits inside the Money Cart respin. Entering directly concentrates the value of that session into bonus rounds rather than base-game spins. The 80x buy price is calibrated so the expected return of each purchased bonus, averaged over many purchases, delivers 98% of the entry cost.
That 98% is a long-run mathematical average, not a per-session outcome. A session of bonus buys can produce results ranging from very small to very large, and a player who buys a small number of bonus rounds will see the variance of individual outcomes rather than the long-run average. The 98% only becomes meaningful across a large number of rounds.
Volatility compared to the sequels
Money Train is rated high volatility, not very high. The practical difference from Money Train 2 is that the bonus mechanics are less complex and the symbol interactions do not compound. A Money Cart round with an average combination of symbol values pays a more predictable range than the equivalent round in the sequels. The extreme tail outcomes available in Money Train 2 and 3 via collector and persistent symbol interactions are not present here.
For players who find the later games’ bonus rounds difficult to follow or want a more contained variance profile, the original offers the same core mechanic with clearer round resolution. The trade-off is the lower ceiling.
Where to find this slot
Our crypto casinos and fast-payout casinos pages list vetted operators with confirmed RTP builds. Before using the bonus buy, verify that the RTP shown in the game’s info panel reflects the 98% configuration. Confirm the buy is available in your jurisdiction.
If you are worried about your play, GamCare and Gambling Therapy offer free, confidential help.
Frequently asked questions
What is the RTP of Money Train?
The standard base-game RTP of Money Train is 96.20%, slightly above the slot average. Its standout feature is the bonus buy: entering the Money Cart respin directly for 80x stake runs at about 98% RTP, one of the highest published figures for any non-jackpot commercial slot. Operators can license lower-RTP builds and may disable the buy in some jurisdictions, so check the in-game info panel before betting; the version at your casino is the one that applies.
What is the volatility of Money Train?
High, though noticeably tamer than the sequels. The base game pays at a reasonable rate on the 5x4 grid, but the session still turns on the Money Cart respin, where most of the value sits. Money Train 2 and later raised the variance and ceiling sharply; the original is the most approachable of the series, with a 20,000x cap rather than the 50,000x-plus of the follow-ups. Expect quiet stretches before the bonus, and budget for them.
Which Money Train slot is the best?
It depends on what you want. The original Money Train is the cleanest and least punishing, with a simple money-symbol respin and a 20,000x ceiling. Money Train 2 added collectors and persistent multipliers (50,000x), and Money Train 3 and 4 pushed the ceiling to 100,000x and 150,000x at brutal variance. For a first taste or a steadier session, the original; for the biggest top end, the later sequels. In every case, check the RTP build and whether the bonus buy is offered.
What slot has the highest RTP, or a 99% RTP, and is Money Train the most profitable?
Money Train's 98% bonus-buy RTP is genuinely near the top for a commercial slot, close to the 99% some searches chase, which classics like NetEnt's Mega Joker and provably fair originals (Plinko, dice) reach. But no slot is profitable long-run, because even at 98% the house keeps a 2% edge, and that figure only applies to the buy, not the 96.20% base game. The useful version of 'most profitable' is least costly: high verified RTP at a volatility you can survive, and on the bonus buy Money Train is one of the least costly slots going.
What is the $20 method at a casino?
A bankroll ritual, also called the $20 rule: load about $20, play minimum stakes, and stop at a set point up or down. On Money Train the catch is the bonus buy: at 80x stake, a single buy can swallow most of a $20 budget in one round, so either play the base game at minimum stake and accept the wait, or treat the $20 as one or two buys you can fully afford to lose. The fixed cap and hard exit are the real value; they manage your money, never the maths, which the 96.20%/98% build sets.
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