Logo image for Money Train

Money Train

94-96.2% RTP

Play with 96.2% RTP

Robin Sandgren

Published: June 19, 2024·Updated: July 28, 2026

RTP Levels

96.2%, 94.0%

Volatility

High

Max Win

20 000x bet

Release Year

2019

Developer

Relax Gaming

Money Train from Relax Gaming is the slot that kicked off an entire freight line of sequels, and it still feels every bit as explosive today as it did when it first pulled into the station back in 2019. Wild West theme, a gang of shady outlaws, and a bonus round that can genuinely run away with itself: that is Money Train in a nutshell.

As always, our focus here is RTP, but first check out which casino currently offers the best average payout across the board:

All casino RTPs

Casinos with the highest RTP for Money Train

We track exactly which RTP setting every casino runs on Money Train, and the list below is updated regularly straight from our own database.

The base RTP on Money Train sits at 96.20%, a perfectly respectable number on its own. What makes things more interesting is the Buy Feature: paying 80x your stake to jump straight into the bonus round actually pushes the RTP up to a full 98%. That is an unusually generous bump for a buy feature, so it is worth keeping in mind if you were planning on triggering the bonus sooner or later anyway.

How the game plays - the cart, the reels and the paylines

Money Train runs on 5 reels and 4 rows with 40 fixed paylines, a straightforward setup with no unnecessary fuss. The theme is Wild West through and through: a train stuffed with cash, a gang of outlaws after the safes, and a spaghetti western soundtrack that sets the mood the second you hit spin.

Bets range from $0.10 all the way up to $50 CAD per spin, so there is room here for cautious players and high rollers alike.

Symbols and payouts

The card symbols (spades, clubs, hearts and diamonds) are the lowest payers, worth between 3x and 5x your stake for five of a kind. Things step up considerably among the gang members though:

Symbol

5 of a kind

Gunslinger (the gang leader)

20x

The Native American

10x

The Mexican

9x

The Woman

8x

Card symbols (spades, clubs, hearts, diamonds)

3x-5x

You need at least three matching symbols on a payline to land a win, but the real money is made in the bonus round.

The Money Cart Bonus - where things get interesting

Land three Bonus symbols on reels 1, 3 and 5 at the same time, and a brand new train cart rolls in packed with 20 symbol positions. You start with 3 spins, and the counter resets back to 3 every time a new symbol (other than the Tumbleweed) lands, meaning the feature can keep going for quite a while if luck is on your side.

Every symbol in the bonus has its own job: the Money Safe reveals a multiplier value, the Payer adds a multiplier to every visible symbol, the Persistent Payer does the same but keeps applying for every spin that follows, the Widener adds a multiplier and opens up an entirely new reel, the Collector gathers up every visible value and adds it to its own, the Persistent Collector does the same but keeps collecting for the rest of the round, and the Tumbleweed carries no value but does not reset the spin counter either.

A player lands a big win in Money Train by Relax Gaming, played here at the highest possible RTP.

If you would rather skip the wait, you can buy straight into the bonus for 80x your stake, which also happens to bump the RTP up as a nice side effect.

Max win and volatility

Money Train is rated as a very high volatility slot, with a maximum win of 20,000x your stake. The base game mostly hands out small wins between 0.2x and 5x, so it is pretty clear where Relax Gaming wants your attention focused.

Did you know one of the biggest documented wins on the original game landed at a massive 2,199x the stake during a livestream back in 2022? A Persistent Collector managed to climb past 400x in value before the spins ran out.

The studio behind Money Train

Relax Gaming is the studio behind Money Train, and they have built an entire series around this runaway cart since it launched in 2019. Several sequels have arrived since then, but the original still holds a special place among volatility fans thanks to its six unique bonus symbols.

Our take: the base game can feel a little quiet at times, but once the bonus finally clicks into gear it is hard to sit still. This is a slot built for patient players with steady nerves, not for anyone chasing constant small wins.

Similar slots

If you like Money Train, chances are you will also enjoy Money Train 2, Money Train 4 and Temple Tumble.

Don't forget to also check out which casino currently offers the highest average RTP overall:

All casino RTPs