Bonus symbols on reels 1, 3 and 5 open the three-spin Money Cart, where every new bonus symbol resets the counter. The practical question is whether a plain 40-line base game is worth it when nearly all of the 20,000× potential sits inside that respin round.
Demo availability may vary by location. You must meet the legal age in your jurisdiction; the free-play button does not record acceptance.
Money Train is a high-volatility Wild West video slot from Relax Gaming, released on 6 August 2019. The studio page describes a 5×4 grid with 40 fixed paylines, an in-game Buy Feature, wins of up to 20,000× the bet and a German RTP of 90%; operator rules sheets document 94% and 96.20% builds, the Money Cart trigger on reels 1, 3 and 5 and stakes from €0.10 to €50.
This card follows that Relax Gaming page, the operator rules and the attached demo. It is not a report of played cash sessions.
For adults of legal gambling age in their location. Set a budget you can afford to lose.
Read full reviewListed RTP builds span 90%, 94% and 96.20%. This card stores 96.20% as the displayed RTP, 90% as the minimum and 96.20% as the maximum. High volatility is the studio classification.
Line wins need three to five matching symbols on consecutive reels from reel 1, all 40 lines are always active and only the highest combination per line pays. Four outlaws form the premium group, wooden card suits fill the lows, and every regular symbol plus the crossed-shotguns Wild can land stacked. The top cowboy pays 20× the bet for five on a line.
Bonus symbols only land on reels 1, 3 and 5, and all three are needed in the same spin. The game then switches to an independent 5×4 feature grid, the three triggering symbols reveal bet-multiplier values and the round starts with three spins.
This card suits readers who want a high-volatility respin bonus with a small, clear set of modifier rules. It is less suited to anyone expecting base-game features on most spins or a fixed-length Free Spins round.
The round starts with three spins and every new bonus symbol resets the counter back to three. A Money Safe reveals a bet-multiplier value. A Payer adds its value to all other visible symbols; a Collector adds all visible values to its own. Persistent Payer and Persistent Collector repeat that effect on every following spin, and neither counts its own value. A Widener opens an extra reel, up to two per round, taking the grid from 5×4 to 7×4. Tumbleweeds carry no value and do not reset the counter. When no spins are left, the sum of all visible values is paid; reaching 20,000× ends the round at the cap.
The Money Cart can be bought for 80× the bet from the base game. Operator rules give the paid mode 98.00% in the 96.20% build and 94.46% in the 94% build. The purchase only opens the round; it can still end after three empty spins.
The reset-to-three rule creates a strong one-more-symbol feeling, and an 80× purchase commits eighty base bets at once. Set money and time limits before spinning and decide in advance how many feature buys, if any, fit that budget.
Budget the wait for reels 1, 3 and 5
The Money Cart needs Bonus symbols on three specific reels in one spin. Count quiet base spins toward the stop limit you set before the session.
Cap feature buys in advance
Five 80× purchases cost 400× the base bet before any return. Fix the number of buys before opening the Buy Feature menu.
Confirm the RTP build in the info panel
Money Train runs as 90%, 94% or 96.20% builds. Check the loaded panel before treating a lobby as the top configuration.
The white-haired cowboy tops the paytable ahead of the top-hat man, the green-sombrero bandit and the blue-hat woman. Wooden suits – red spade, yellow heart, green club and blue diamond – fill the lows. The crossed-shotguns Wild completes line wins; Bonus symbols only matter for the Money Cart trigger.
Top paying outlaw. At the 2.00 demo stake shown on the attached paytable: 5 = 40.00, 4 = 8.00, 3 = 1.60. Preview figures at the loaded demo stake; five on a line equal 20× the bet.
Second premium outlaw with a feathered top hat. Attached paytable at the 2.00 demo stake: 5 = 20.00, 4 = 6.00, 3 = 1.20. Preview figures at the loaded demo stake.
Bandoleer-wearing outlaw in a green sombrero. Attached paytable at the 2.00 demo stake: 5 = 18.00, 4 = 5.00, 3 = 1.00. Preview figures at the loaded demo stake.
Fourth premium outlaw. Attached paytable at the 2.00 demo stake: 5 = 16.00, 4 = 4.00, 3 = 1.00. Preview figures at the loaded demo stake.
Highest wooden card suit. Attached paytable at the 2.00 demo stake: 5 = 10.00, 4 = 2.00, 3 = 0.40. Preview figures at the loaded demo stake.
Wooden heart suit. Attached paytable at the 2.00 demo stake: 5 = 8.00, 4 = 2.00, 3 = 0.40. Preview figures at the loaded demo stake.
Wooden club suit. Attached paytable at the 2.00 demo stake: 5 = 7.00, 4 = 1.40, 3 = 0.40. Preview figures at the loaded demo stake.
Lowest wooden card suit. Attached paytable at the 2.00 demo stake: 5 = 6.00, 4 = 1.40, 3 = 0.40. Preview figures at the loaded demo stake.
Crossed-shotguns Wild that can land stacked. The paytable states it substitutes for all other symbols in a winning combination; the Money Cart still needs Bonus symbols on reels 1, 3 and 5.
Money Train runs in several standard RTP configurations. Operator game rules list 96.20% as the top build, an operator rules sheet for the 94% build lists 94.00%, and Relax Gaming’s product page shows a German RTP of 90%. This card stores 96.20% as the displayed RTP, 90% as the minimum and 96.20% as the maximum, with rtp_text recording 90% / 94% / 96.20%. The 80× Buy Feature has its own paid-mode figure: 98.00% in the 96.20% build and 94.46% in the 94% build. High volatility and the 20,000× cap apply to every version.
Relax Gaming
High
20,000×
High volatility and a trigger tied to reels 1, 3 and 5 allow long quiet stretches. A gap without the Money Cart does not make the next trigger due.
On a phone, open the paytable and rules panel and confirm whether the 90%, 94% or 96.20% build is loaded before staking.
A 90% build is a different mathematical model from the 96.20% configuration, with a 10% long-run house edge instead of 3.80%. Confirm the figure on the live panel.
Desktop frames show the splash, the 5×4 base game with the Buy Feature lever, the paytable at the 2.00 demo stake, Money Cart help and a reels 1, 3 and 5 trigger.
Portrait frames keep the splash, base reels, Widener and Buy Feature rules, the Wild paytable entry and a live Money Cart round from the attached mobile set.
Grid: five reels, four rows, 40 fixed paylines
Trigger: Bonus symbols on reels 1, 3 and 5
Money Cart: three spins, reset by every new bonus symbol
RTP: confirm 90%, 94% or 96.20% on the live panel
Money Train 2, 3, 4 and 5 keep the Money Cart idea of respins that reset to three, but each sequel adds its own modifier library, bonus buys and higher caps. The original stays with Money Safe, Payer, Collector, Widener and two Persistent symbols on a 20,000× ceiling, so sequel figures should not be read back into it.
| Game | Return / max win | Volatility | Bonus fit | Watch out for |
|---|---|---|---|---|
| Money Train | 90.00%–96.20% / 20,000× | High | Bonus symbols on reels 1, 3 and 5 open a three-spin Money Cart; Payers, Collectors and Wideners shape the board and every new bonus symbol resets the counter. | RTP builds and the 20,000× ceiling are separate figures. A 90% lobby is not the 96.20% configuration even when the Money Cart looks identical. |
| Money Train 2 | 90.00%–96.40% / 50,000× | High | Three or more Bonus symbols open a three-spin Money Cart where Payers, Collectors, Snipers and Necromancer reshape values; two Bonus symbols start Respins. | RTP builds, the 98% Buy Feature figure and the 50,000× cap are separate numbers. A 90% or 94% lobby is not the 96.40% listing. |
| Money Train 3 | 90.00%–96.10% / 100,000× | High | Three or more Bonus symbols open Money Cart with three resetting spins; filled columns can add up to two more, and persistent characters repeat their actions every spin. | RTP builds, the 96.50% buy figure and the 100,000× cap are separate numbers. A 90% lobby is not the 96.10% configuration even when the bonus looks the same. |
When comparing, ask which modifier symbols the title uses, what the Buy Feature costs and which RTP build the operator loaded.
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Publication status: Document-based review against Relax Gaming’s Money Train page, operator rules sheets and the attached demo; no cash session is represented.
Studio game page. Matched 5×4 grid, 40 fixed paylines, high volatility, 20,000× max win, in-game Buy Feature, €0.10 minimum bet and German RTP 90% at https://www.relax-gaming.com/products/casino/moneytrain; release dated by the August 2019 Relax Gaming launch announcement.
Operator rules sheets. Checked 96.20% standard and 98.00% Buy Feature RTP, the 94.00% build with 94.46% Buy Feature, €0.10–€50 stakes, the 20,000× cap and the Money Cart symbol rules, including Tumbleweed and the two-reel Widener limit.
Preview figures. Paytable cells at the 2.00 demo stake shown are labelled as preview figures at the loaded demo stake; the 40.00 top award equals 20× the bet.
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Relax Gaming announced the launch in August 2019, and trade coverage dates the release to 6 August 2019.
Bonus symbols on reels 1, 3 and 5 in the same spin. The three triggering symbols reveal bet-multiplier values on an independent 5×4 grid and the round starts with three spins.
No. It is a respin round on its own grid: each new bonus symbol resets the counter to three, Tumbleweeds do not, and the sum of visible values is paid when no spins are left.
80× the bet, bought from the base game. Operator rules list 98.00% RTP for the paid mode in the 96.20% build and 94.46% in the 94% build. Availability depends on the market.
Listed RTP builds are 90%, 94% and 96.20%. This card stores 96.20% as the displayed RTP with a span of 90%–96.20%. Confirm the active build in the game information panel.
It is the hard cap per game round as a multiple of the bet; if the Money Cart total reaches it, the round ends and pays 20,000×. At a €50 stake that equals €1,000,000. It is a ceiling, not a session forecast.
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