Quick Verdict
Money Train is a Wild West and steampunk-themed video slot series from Relax Gaming, built around a respin-based Money Cart bonus round that concentrates almost all of its win potential into a small number of high-multiplier sessions. The series is not a single slot but a franchise spanning four main titles (Money Train, Money Train 2, Money Train 3, Money Train 4) plus spin-offs including Money Cart, Slingo Money Train, and Money Train Origins, each escalating the max-win ceiling: 20,000x on the original per Relax Gaming’s product page, up to 150,000x on Money Train 4. The catch is significant: every instalment carries very high to extreme volatility, meaning the Money Cart bonus round can go many base-game spins without triggering, and base-game returns are structurally thin. Operator-by-operator RTP verification was not available for this review, so active RTP settings at individual UKGC-licensed operators could not be independently confirmed. The closest franchise comparators within Relax Gaming’s catalogue are the Dead or Alive series from NetEnt and Tombstone from Nolimit City, both of which share the high-volatility Wild West template, though Money Train 4’s 150,000x ceiling is higher than either of those titles.
Slot at a Glance
| Field | Value |
|---|---|
| Provider | Relax Gaming (independent studio, licensed B2B supplier) |
| Release Date | 2019 (original); Money Train 2: September 2020; Money Train 3: 2022; Money Train 4: 20 September 2023 (per secondary source reporting) |
| Grid / Paylines | Money Train 2: 5×4, 40 paylines (per secondary source data); other instalments vary |
| RTP (top) | 96.40% (Money Train 2, per secondary source data); 96.20% (original, per AskGamblers) |
| RTP Variants | Operator-configurable variants likely; exact per-operator settings not independently confirmed |
| Volatility | Very high to extreme (series-wide; AskGamblers and secondary sources; developer page volatility label not independently confirmed) |
| Max Win | 20,000x (original, Relax Gaming product page); 50,000x (MT2, secondary source); 100,000x (MT3, Relax Gaming product page); 150,000x (MT4, Relax Gaming product page) |
| Max Win GB Cash Equivalent (MT4, £5 cap, 25+) | £750,000 |
| Max Win GB Cash Equivalent (MT4, £2 cap, 18-24) | £300,000 |
| Developer Bet Range | Varies by instalment; GB online slots capped at £5 per spin for players aged 25+ and £2 for 18 to 24-year-olds |
| Bonus Features | Money Cart bonus round, modifier symbols (Collector, Payer, Collector-Payer, Sniper, Necromancer, and others across sequels), respin mechanic |
| Bonus Buy | Available in some instalments; UK operator availability subject to individual operator configuration |
| Mobile | HTML5; compatible with iOS and Android across the series |
RTP Versions Across UK Operators
Operator-configurable RTP is the single most underreported data point in slot reviews; the headline figure is often not the version running at the operator you will deposit at. For the Money Train series, operator-by-operator active RTP settings could not be independently confirmed for this review. PokerStars Casino is a verified UKGC-licensed operator (account number 39108) carrying Money Train 2, but the active RTP setting in that specific configuration was not confirmed pre-login. No further per-operator RTP data was available at time of writing. Players should check the in-game information panel after login at any UKGC-licensed casino to confirm which RTP variant is active for their session. The series likely supports multiple operator-configured RTP settings given Relax Gaming’s standard distribution model, but specific variant figures were not publicly available from the sources consulted.
Math Model
The Money Train series operates across a range of RTPs and volatility levels, escalating in both win ceiling and mechanical complexity from the 2019 original to Money Train 4. The four subsections below cover RTP, volatility, maximum win, and hit frequency for the series as a whole, with per-instalment distinctions where data exists.
Money Train RTP Detail
The original Money Train RTP is listed at 96.20% by AskGamblers, a secondary source; this figure was not independently confirmed on Relax Gaming’s own product page during this review. Money Train 2 carries a 96.40% RTP per secondary source data (wildwestslots.co.uk), again not confirmed directly from the Relax Gaming product page. Money Train 3 RTP figures range from 96.10% to 96.25% across different aggregator sources; exact figures should be treated as approximate. Money Train 4 RTP is not confirmed in the sources available for this review. All RTP figures should be verified in the real-money in-game information panel at the hosting operator, as operator-configured variants may differ from any published headline figure. Feature-buy RTP, where applicable, may also differ from the base configuration.
Volatility in Practice
Sessions on any Money Train title are characterised by extended base-game dry stretches where small wins dominate and the Money Cart bonus round is absent. When the bonus does trigger, the multiplier-stacking modifier system can produce disproportionately large outcomes, but the gap between bonus events is unpredictable and can span several hundred base-game spins. Secondary sources and community reviews consistently rate the series at very high to extreme volatility. The developer volatility label as displayed on the Relax Gaming product pages was not independently confirmed during this review; the series-wide rating here is drawn from AskGamblers and secondary-source consensus. Players should treat session pacing as highly variable and budget accordingly.
Money Train Maximum Win
Max-win figures escalate across the series: Relax Gaming’s product page for the original Money Train lists 20,000x bet; Money Train 3’s Relax Gaming product page states 100,000x; Money Train 4’s Relax Gaming product page states 150,000x. The 50,000x figure for Money Train 2 comes from secondary source data rather than a directly confirmed developer-page figure. At the GB stake cap of £5 per spin for players aged 25 and over, Money Train 4’s 150,000x ceiling translates to a GB cash equivalent of £750,000. At the £2 per spin cap for players aged 18 to 24, the equivalent is £300,000. These figures use the GB stake cap, not developer-set maximum stakes, and represent the theoretical ceiling rather than a typical or expected session outcome.
Hit Frequency vs Bonus Trigger
Base-game hit frequency for the Money Train series is not published by Relax Gaming or confirmed in any reputable secondary source consulted for this review. The Money Cart bonus trigger rate is similarly not disclosed. Players should treat session pacing as unpredictable and plan sessions on budget and time, not on expected bonus frequency. The absence of published trigger-rate data is consistent with very-high-volatility titles in the same category, where bonus events are structurally infrequent.
Base Game
The Money Train base game, across all main instalments, centres on a fixed-payline reel grid. Money Train 2 runs on a 5×4 grid with 40 paylines per secondary source data. Wild symbols substitute for standard pay symbols in the base game, though their precise substitution rules and any restriction from substituting for Scatter or Money Cart symbols vary by instalment. Scatter symbols, where present, contribute to triggering the Money Cart bonus round. Symbol hierarchy follows a standard high-card-to-premium structure, with the highest-value symbols themed around Wild West and steampunk imagery; specific 5-of-a-kind paytable values are not confirmed in the sources available for this review. Money Train runs on mobile via HTML5, compatible with iOS and Android devices across the series.
GB builds disable autoplay and turbo-spin per UKGC restrictions on rapid-play features, with a 2.5-second minimum game cycle under RTS 14D. These restrictions apply across all Relax Gaming titles distributed to UKGC-licensed operators and are not specific to Money Train.
Money Train Bonus Features
The Money Train series concentrates almost all of its win potential into the Money Cart bonus round, a respin-based feature where modifier symbols accumulate multipliers across successive respins.
The Money Cart Bonus Round
Triggered by landing the required number of Money Cart symbols (typically three or more) on the base-game reels, this respin feature begins with three lives and resets to three each time a new modifier symbol lands. Each modifier occupies a cell and holds its multiplier value; when no new symbols land on a respin, a life is lost. The round ends when all lives are exhausted, with total accumulated multipliers paid as a single combined award. The original Money Train’s version supports up to 20,000x bet (developer-published). This respin structure is comparable to the Hold and Win mechanic in Blueprint Gaming’s Fishin’ Frenzy, though Money Train’s modifier system produces significantly higher variance.
Modifier Symbols
The series uses a range of named modifier symbols whose number and complexity expand across sequels. Core modifiers include the Collector (adds the values of all other symbols on the board to its own), the Payer (pays its value to all other symbols), and the Collector-Payer (combines both functions). Money Train 3 and 4 reintroduce the Necromancer (revives previously departed symbols) and Sniper (targets specific symbols), plus additional modifiers exclusive to later instalments. Modifier interactions are the primary driver of large wins; a single Collector landing on a board dense with high-value Payer symbols can produce multiplicative payouts many times larger than any individual symbol’s face value.
Persistent Edge (Money Train 3 and 4)
Money Train 3 introduced a persistent-edge mechanic where certain modifier attributes carry over from the base game into subsequent bonus rounds, building a profile that can affect the starting state of the Money Cart feature. Money Train 4 expands this with 20-plus features active across the game, per Relax Gaming’s product page description. Exact mechanical details of the persistent-edge system are not fully documented in the sources available for this review; players should consult the in-game rules panel for the specific instalment they are playing.
Bonus Buy Status
The Money Train series includes a bonus buy option in several instalments, allowing players to purchase direct access to the Money Cart bonus round at a fixed multiple of their stake. The precise cost in stake multiples is not confirmed for each instalment from the sources available for this review. In the UK, bonus buy availability depends on individual UKGC-licensed operator configuration; many operators restrict or disable this feature for UK players. Where bonus buy is unavailable, reaching the Money Cart bonus through base-game scatter triggers takes an unconfirmed number of spins on average, as no published trigger rate exists. UK players who would have used the buy mechanic should plan session length on a fixed budget rather than on expected trigger frequency.
Cost of Play at Different Stakes
The published RTP is most useful when translated into theoretical cost per session. Below is the expected loss at three stake tiers assuming standard mobile pace of 600 spins per hour, using the 96.40% top RTP (Money Train 2, secondary source) and 96.20% (original Money Train, secondary source) as the range.
| Stake per Spin | Theoretical Hourly Loss (at 96.40% RTP) | Theoretical Hourly Loss (at 96.20% RTP) |
|---|---|---|
| £0.10 | £2.16 | £2.28 |
| £1.00 | £21.60 | £22.80 |
| £2.00 (GB cap, 18-24) | £43.20 | £45.60 |
| £5.00 (GB cap, 25+) | £108.00 | £114.00 |
These are statistical averages across many hours of play, not session predictions. The Money Train series’ extreme volatility means individual sessions will deviate substantially above or below these figures. The numbers reflect the long-run operator edge at each RTP setting. Because operator-configured RTP variants for Money Train were not confirmed in this review, the actual theoretical loss at your chosen operator may differ from the figures above. Confirm the active RTP in the in-game help panel after login before committing to a session length or stake.
Demo vs Real Money
Under UKGC RTS 6, a play-for-free game offered on the same site as the real-money version should accurately represent the corresponding play-for-money configuration. Third-party demo aggregators may use Relax Gaming’s default demo build, which is not always the same RTP version selected by a UKGC-licensed operator for real-money play. The figure that applies to a deposited session is the RTP shown in the real-money in-game information panel after login.
The practical approach is to use demo mode to understand the Money Cart bonus mechanics and modifier interactions before staking real money, then confirm the active RTP at your chosen operator. The gap between a third-party demo build and an operator’s real-money configuration is most relevant for multi-variant titles and is worth checking for every Relax Gaming instalment individually, as RTP settings may differ across Money Train, Money Train 2, Money Train 3, and Money Train 4 even at the same operator. A Money Train free demo is available without registration at several aggregator sites, giving access to the bonus mechanics in practice mode.
Pros and Cons
| Confirmed Strengths | Confirmed Weaknesses |
|---|---|
| Series-escalating max-win ceilings, reaching 150,000x on Money Train 4 (developer-published) | Very high to extreme volatility creates long base-game dry stretches with no bonus activity |
| Developer-published 20,000x to 150,000x ceilings across four verified instalments | RTP figures for Money Train 3 and 4 not confirmed from developer pages; players cannot independently verify headline RTP without checking in-game panels |
| Structured modifier system (Collector, Payer, Necromancer, Sniper) creates mechanically distinct bonus outcomes across sequels | Bonus trigger rate not published; no disclosed hit frequency for any instalment |
| HTML5 mobile compatibility across iOS and Android confirmed series-wide | Bonus buy availability for UK players subject to operator restriction; not reliably accessible at UKGC-licensed operators |
| Franchise depth: four verified main instalments plus spin-offs give players multiple entry points and complexity levels | Per-operator active RTP settings not independently confirmed; spread between operator variants unknown |
| Relax Gaming holds a UKGC B2B software licence (account number 37462); series distributed through separately licensed UKGC operators | Max-win potential is concentrated in rare modifier combinations; a typical Money Cart trigger will not approach the published ceiling |
Who This Slot Suits
The Money Train series is structurally suited to players who accept long losing stretches in pursuit of high-multiplier bonus events, and who can plan session length around a fixed budget rather than expected trigger frequency.
Bankroll-aware high-variance players
The series demands a bankroll large enough to sustain extended base-game play between Money Cart triggers. At £1 per spin and a theoretical 96.40% return, the hourly theoretical loss is approximately £21.60, but extreme volatility means actual session outcomes will deviate significantly. Players should size stakes to allow for several hundred base-game spins without a bonus trigger; the £0.10 minimum stake allows longer session exposure for smaller bankrolls.
Bonus-mechanic enthusiasts
The Money Cart modifier system, particularly from Money Train 2 onwards, is mechanically richer than most respin-based bonus rounds. Players who engage with the internal logic of Collector-Payer interactions and multi-modifier board states will find the series structurally distinctive compared to simpler hold-and-win titles. The escalating complexity across sequels rewards players willing to understand the mechanics of each instalment.
Casual or short-session players
The Money Train series is poorly matched to short-session or casual play. Base-game returns are structurally thin, and the bonus round may not trigger within a typical short session at all. Hit frequency is not published, reinforcing that there is no reliable pace expectation. Players seeking consistent base-game return should look elsewhere; Relax Gaming’s own Snake Arena, with its fixed-multiplier trail mechanic, offers more predictable base-game engagement, though it remains a high-variance title.
Alternatives by Player Goal
If you want a higher published RTP
Dead or Alive 2 from NetEnt carries a secondary-source-cited RTP of 96.82%, above the Money Train series range. The trade-off is a lower max-win ceiling of 100,000x, and a feature-buy option that changes the RTP in its own right.
If you want a higher ceiling
Money Train 4’s own 150,000x is among the higher published ceilings in the Wild West category. Nolimit City’s Tombstone RIP carries a secondary-source-cited 250,000x ceiling if a higher ceiling is the priority, though volatility and RTP figures should be verified at your operator before depositing.
If you want lower volatility
The Money Train series has no low-volatility equivalent within the same franchise. Relax Gaming’s Money Cart spin-off titles offer a variation in pace, though they remain high-variance products. For genuinely lower volatility in the Wild West theme, Yggdrasil’s Gold Digger series is a secondary-source-cited alternative with a calmer variance profile.
If you want the same theme
Nolimit City’s Tombstone, a 5-reel Wild West slot with a secondary-source-cited RTP around 96.00% and an xNudge Wild mechanic, covers the same thematic territory with a different bonus structure and is a direct comparator in the UK market.
If you want the same core mechanic
Blueprint Gaming’s Fishin’ Frenzy holds-and-respins mechanic is structurally similar to the Money Cart respin format, though it operates at lower volatility and a lower max-win ceiling of approximately 500x. For a closer match in terms of modifier depth within a respin framework, the Money Train series itself across its four instalments is its own primary comparator set.
Similar Slots
The following titles share thematic or mechanical proximity to the Money Train series and serve as verified reference points for players comparing options.
| Slot | Provider | RTP | Max Win | Volatility | Key Difference |
|---|---|---|---|---|---|
| Dead or Alive 2 | NetEnt | 96.82% (secondary source) | 100,000x (secondary source) | Very High | Sticky Wilds free spins rather than respin modifier board |
| Tombstone | Nolimit City | ~96.00% (secondary source) | Not confirmed | High | xNudge Wild mechanic; lower mechanical complexity than Money Train 2+ |
| Gold Train | Pragmatic Play | Not confirmed | Not confirmed | Not confirmed | Train-themed with progressive jackpot overlay; different structure |
| Money Cart 2 | Relax Gaming | Not confirmed | Not confirmed | Very High | Spin-off using a similar Money Cart respin frame in a non-Wild-West setting |
Note: RTP and max-win figures marked as not confirmed reflect data not verified from individual developer documentation in sources available for this review; secondary-source figures are attributed where used.
Dead or Alive 2 from NetEnt is a verified alternative for players seeking comparable Wild West volatility with a secondary-source RTP above 96.50%. Its Sticky Wilds free-spins mechanic produces a different variance profile from Money Train’s modifier-accumulation board, making it more suitable for players who prefer multiplier-stacking over respin accumulation.
Where Money Train Sits in Relax Gaming’s Catalogue
Relax Gaming is an independent B2B gaming supplier holding a UKGC software licence (account number 37462), with a catalogue spanning several high-volatility slot franchises alongside lower-volatility utility titles. The Money Train series is the studio’s most prominent franchise by secondary-source review volume and max-win ceiling.
| Slot | RTP | Max Win | Volatility | Position vs Money Train |
|---|---|---|---|---|
| Money Train (original) | 96.20% (secondary source) | 20,000x (developer-published) | Very High | – |
| Money Train 4 | Not confirmed | 150,000x (developer-published) | Very High/Extreme | Series flagship; 7.5x higher ceiling than original |
| Snake Arena | Not confirmed in available sources | Not confirmed | High (secondary source) | Lower mechanical complexity; different theme; more predictable base-game pace |
| Money Cart 2 | Not confirmed in available sources | Not confirmed | Very High | Spin-off sharing respin frame; lower series profile than main Money Train titles |
Note: RTP and max-win figures marked as not confirmed reflect data not verified from individual Relax Gaming product pages in sources available for this review.
Within Relax Gaming’s verified catalogue, the Money Train series occupies the studio’s flagship high-volatility position. No Relax Gaming title verified in available sources exceeds Money Train 4’s 150,000x developer-published ceiling. The series functions as the studio’s extreme-volatility anchor, with other titles occupying lower-volatility or different-mechanic positions. Money Train 4 is Relax Gaming’s current highest-ceiling release in the Wild West and respin-modifier space.
How This Review Was Verified
Sources verified June 2025. Developer pages consulted: relax-gaming.com product pages for Money Train (original), Money Train 3, and Money Train 4 (max-win figures confirmed from these pages); Relax Gaming’s Money Train 2 page was consulted but specific RTP and max-win figures for Money Train 2 were sourced from secondary sources (wildwestslots.co.uk) rather than directly confirmed on that page. UKGC public register consulted for Relax Gaming Limited (account number 37462) and PokerStars operator licence (account number 39108). Secondary databases consulted: AskGamblers (Money Train original RTP 96.20%), OLBG (Money Train 5 announcement), wildwestslots.co.uk (Money Train 2 figures). What was not independently verified: per-operator active RTP settings for any UKGC-licensed casino; Money Train 2 RTP and max win from developer page; Money Train 3 and 4 RTP from developer pages; exact bonus-buy costs; hit frequency and bonus trigger rates for any instalment; comparator slots’ exact developer-page figures (Dead or Alive 2, Tombstone). Players should treat any figure here as point-in-time and confirm the active configuration in the operator help panel before depositing real money. RTP, volatility, stake limits, and feature availability are subject to operator-side updates this review cannot pre-empt.
Responsible Gambling
The Money Train series carries very high to extreme volatility, which means base-game returns fall well below the headline RTP figure across hundreds of individual spins. Extended sequences without a Money Cart bonus trigger are a normal feature of the series, not an anomaly. Players should set a session budget and time limit before starting, use deposit and loss limits at their operator, and treat any bonus trigger as a low-probability event. The Money Cart bonus round, when it lands, can produce large multiplier-driven payouts, but the average session outcome is a net loss consistent with the published RTP. Never chase losses in anticipation of a bonus trigger.
Expected theoretical depletion can be estimated as: bankroll divided by (stake multiplied by (1 minus RTP)). For a £100 bankroll at the £5 GB cap for players aged 25 and over and a 96.20% RTP, this equates to approximately 526 spins to theoretical depletion; at 96.40%, approximately 556 spins. Extreme volatility can shorten or lengthen this dramatically in any single session. GamStop provides free self-exclusion across all UKGC-licensed operators; a single registration covers every licensed site and is available for periods of 6 months, 1 year, or 5 years. GamCare operates the National Gambling Helpline on 0808 8020 133, available 24 hours a day for anyone affected by gambling harms in Great Britain. You can also find further support and information from the UK Gambling Commission.
Frequently Asked Questions
RTP figures vary by instalment. AskGamblers lists the original Money Train RTP at 96.20%; third-party sources cite Money Train 2 at 96.40%. Money Train 3 figures range from 96.10% to 96.25% across aggregators, and Money Train 4 figures are not confirmed on the developer page at the time of this review. Always check the in-game information panel at your chosen operator, as active RTP can vary by operator configuration.
Max-win figures escalate across the series. The original Money Train max win is listed as 20,000x bet on Relax Gaming’s product page; Money Train 2 is cited at 50,000x; Money Train 3 at 100,000x; and Money Train 4 at 150,000x per Relax Gaming’s own product page. At the GB £5 stake cap for players aged 25 and over, 150,000x equates to a GB cash equivalent of £750,000. At the £2 cap for 18 to 24-year-olds, the equivalent is £300,000.
The Money Train series includes a bonus buy option in several instalments. However, bonus buy availability in the UK depends on individual operator configuration and UKGC rules on direct feature purchase. Many UKGC-licensed operators restrict or disable bonus buy for UK players. Check the specific operator’s game lobby and information panel to confirm whether the bonus buy is active before depositing.
Yes. Relax Gaming Limited holds a UK Gambling Commission remote gambling software licence under account number 37462, meaning the Money Train titles can be distributed to UKGC-licensed casino operators. PokerStars Casino is a confirmed example of a UKGC-licensed operator (account number 39108) that carries Money Train 2. Availability across other UKGC operators varies; check individual casino lobbies for each title in the series.
A Money Train demo is available at various third-party aggregator sites and some casino lobbies without registration. Under UKGC RTS 6, a demo offered on the same site as the real-money version should reflect that operator’s configuration, but third-party demo builds may display the provider’s default RTP rather than the operator’s active setting. Play the Money Train free demo to learn the bonus mechanics, then confirm the live RTP in the real-money in-game panel before depositing.
The entire Money Train series is rated very high to extreme volatility. This means base-game wins are infrequent, dry streaks between Money Cart bonus triggers can be lengthy, and session outcomes are highly unpredictable. The Money Train volatility profile is unsuitable for players with small bankrolls or short session budgets. Plan session length around a fixed budget and time limit rather than an expected number of bonus triggers, as no published trigger frequency exists for the series.
