Money Train slot review

Money Train slot at a glance

Money Train is the game that started Relax Gaming’s best-known series. It was released in 2019, a year after the studio began making its own slots, and it set the template that Money Train 2, Money Train 3 and Money Train 4 later built on: a fairly plain base game that exists mainly to get you into a respin bonus packed with character symbols.

The grid is 5 reels by 4 rows with 40 fixed paylines, so every spin covers all 40 lines and your stake is spread across them. You can’t switch lines off to lower the cost. If you want to compare it with other games before you open an app, our mobile slot reviews hub lists RTP, volatility and layout for every slot we cover.

We only list figures we can verify. Relax’s own volatility rating for this title isn’t in our checked data, so look for it in the game’s help or information page inside your casino app.

How the features work: the Money Cart bonus

The Money Cart is the main feature and the reason people play Money Train. It’s a respin round, not a free spins round, and the difference matters. Instead of a fixed number of spins, you start with three respins. Each time a new symbol lands on the grid, the counter goes back to three. The round ends only when you use up three respins in a row without anything new arriving.

That reset rule means the round can be short or long. Some bonuses end after the first three respins. Others keep going because symbols keep dropping in, and each new arrival buys three more chances.

The character symbols

What makes the round interesting is a set of special character symbols. Each one does a different job when it lands:

• Collecting: some characters gather up the values shown on other symbols on the grid and add them to their own.
• Paying: some characters hand their value out to other symbols, raising what those symbols are worth.
• Adding value: some characters add value to symbols already on the grid.
• Opening a reel: one effect adds an extra reel, which gives more space for symbols to land.

Persistent characters

Some characters come in persistent versions. A normal character acts once, when it lands. A persistent one stays active and repeats its job on every later respin for the rest of the round. A persistent collector, for example, keeps gathering values each time the reels spin, so its total can grow throughout a long bonus.

Third-party guides to the Money Train series (opens in a new tab) describe the same structure across the games. This is where the high end of the 20,000× ceiling comes from: several persistent characters working together across many reset respins. It is also why outcomes vary so much. A bonus without persistent characters can pay modestly, while one with them can build well beyond your stake.

Money Train RTP and what it costs per hour

Money Train’s published RTP is 96.2%. Put the other way round, the house edge is 3.8%, so the long-run average cost is 3.8p for every £1 you stake. That figure is an average across millions of spins; your own session can land far above or below it.

Some games are supplied to casinos in more than one RTP version. Our verified data lists only 96.2% for Money Train, but it’s still sensible to confirm the figure in the app you use. Our guide to finding a game’s RTP in an app shows where it usually sits.

Expected loss works out as stake × house edge × number of spins. The table assumes 500 spins in an hour, roughly one every seven seconds, which is an illustration rather than a measured speed.

The average hides how lumpy a bonus-driven slot can be. Most of the return in a game like this is paid through the feature, so long runs of small or no wins in between are normal.

A £20 Money Train budget at 10p, 50p and £1

A fixed budget is the simplest way to keep a session under control. Here is how far £20 goes on Money Train if you never re-stake winnings, which is the most cautious way to read it.

The average loss on £20 staked once is the same 76p at every stake, because it’s 3.8% of £20. What changes is the number of spins. At £1 a spin you get 20 goes, which isn’t many in a game that pays mostly through one bonus. At 10p you get ten times as many.

1. Decide your budget before you open the app, and treat it as the cost of the entertainment.
2. Set a deposit limit in your account so the budget is enforced, not just intended.
3. Pick a stake that gives you at least 100 spins from that budget; for £20 that means 20p or less.
4. Check the RTP and paytable in the game’s menu before the first spin.
5. Stop when the budget is used, and don’t top up to chase a bonus that hasn’t arrived.

Money Train max win: what 20,000× means in pounds

The top prize is capped at 20,000× your stake. At 10p that’s £2,000, at £1 it’s £20,000 and at the £5 UK maximum it’s £100,000. These are theoretical ceilings that the game stops at, and reaching them is extremely rare.

A cap like this tells you about the shape of the game rather than your chances. A high ceiling usually goes with a payout pattern where small and medium results are common and very large ones are scarce. For context, the later sequels raised the ceiling sharply: 50,000× in Money Train 2, 100,000× in Money Train 3 and 150,000× in Money Train 4.

Playing the Money Train slot on iPhone and Android

Money Train runs inside your casino app or mobile browser like any modern HTML5 slot, so there’s nothing separate to install. Whether it opens in portrait or landscape depends on the game build and the casino’s app, and we haven’t verified which orientations this title supports, so turn your phone and see which view gives the clearer grid.

A 5×4 grid with 40 lines is busier than a classic 5×3 reel set, and the Money Cart adds value labels on top of symbols. On a smaller screen those numbers are easier to read with the phone turned sideways, if the game allows it. Our guide to landscape and portrait mode in casino apps covers the settings involved.

• Install casino apps only from the Apple App Store or Google Play, and check the publisher matches the casino. See our iPhone casino apps and Android phones pages.
• A stable connection matters most during the bonus. If the app drops out, the round should resume when you reconnect; our explainer on what happens to a bet if your app crashes sets out how this normally works.
• Slots use far less data than live casino streams, but graphics-heavy games still download assets the first time you open them.

UK rules that apply to Money Train in casino apps

British versions of online slots follow the Gambling Commission’s technical standards, so Money Train in a UK app behaves differently from some versions abroad. The main rules are set out below, with links to our pages on each one.

The stake limits come from the Commission’s online slots stake limit guidance (opens in a new tab), and the speed and autoplay rules are in RTS 14 on responsible product design (opens in a new tab). Our pages on slot stake limits and game design rules go into more detail.

Since a Gambling Commission warning in January 2020, feature buy-ins are not offered to British players, so in a UK app you reach the Money Cart only through normal play. A review written for another country may describe options you won’t see here.

Who makes Money Train? Relax Gaming in brief

Relax Gaming was founded in 2010 and began in Tallinn, Estonia, before moving its headquarters to Malta. It has made its own slots since 2018. It holds a Gambling Commission licence under account 37462 and launched the Dream Drop jackpot network in 2022.

Money Train remains its best-known series, alongside games such as Temple Tumble Megaways. If you like the respin-and-collect idea, Relax’s Iron Bank (96.2% RTP, 49,999× max win) is another heist-themed option from the same studio.

Money Train vs the sequels and similar slots

The sequels keep the Money Cart idea but change the numbers. The comparison below uses only verified figures.

The original has the lowest ceiling of the four. That makes it the most restrained version on paper, although we can’t confirm its official volatility rating. Money Train 2 has the highest RTP in the series. If you prefer cash-collect ideas in a different theme, Bigger Bass Bonanza uses a fisherman who collects fish values in free spins.

Money Train slot review verdict

Money Train is a focused game: a simple base game and one detailed bonus. If you enjoy watching characters interact across a long respin round, it’s a good choice. If you want frequent action in the base game, a lower-volatility slot will probably suit you better.

Where to play Money Train with a casino app welcome offer

We can’t confirm which of our partner apps carries Money Train, so search each app’s game lobby. None of the welcome offers below can be used on Money Train itself, because their spins are fixed to set or selected games. All are for new customers aged 18+, and terms apply.

• PlayOJO: deposit at least £10 for the first time and get 80 free spins on Big Bass Bonanza at 10p each. Winnings are paid as cash with no wagering. New UK customers only, excluding Northern Ireland; not combinable with other offers and only through the designated offer link.
• Coral Casino: from 1 October 2026 to 1 February 2027, deposit and bet £10 or more on slots to get 100 free spins at 10p on selected games. You have 48 hours to accept them and 7 days to use them, with no wagering on the winnings. Neteller, PayPal, Paysafe, Skrill, prepaid cards and certain debit cards don’t qualify.
• Ladbrokes Casino: deposit and spend £10 or more on slots to get 50 free spins a day for the first 10 days, up to 500 in total, at 10p each on selected games. Claim before 23:59 each day; each batch lasts 7 days. No wagering. Prepaid cards, PayPal, Paysafe, Neteller, Skrill and Moneybookers deposits don’t qualify.

Coral and Ladbrokes are both run by LC International Limited, so you may not be able to open new accounts with both. Our best slot apps list compares the Coral, Ladbrokes and PlayOJO apps in more detail.

18+. Every casino game has a built-in house edge, so over time you should expect to lose what you stake. Set a budget before you play and stop when it’s gone: safer gambling tools and support. Free, confidential help: National Gambling Helpline 0808 8020 133.