Money Train 5 slot review

Money Train 5 slot overview

Money Train 5 is the newest main game in Relax Gaming's flagship series, released in 2026. After Money Train 4's scatter-pays grid, it goes back to a reel-and-line base game: five reels, four rows and 40 paylines. The big change is in the bonus, which now comes in two modes with different ceilings.

Relax was founded in 2010, has built its own slots since 2018 and is licensed in Great Britain under Gambling Commission account 37462. You can read the full history of the series on our Money Train slots page.

How the features work in Money Train 5

Respin-style free spins

The bonus is described as respin-style free spins, the format the series built its name on. In earlier Money Train games that meant symbols locking in place and a spin counter resetting each time something new landed. Money Train 5's own help screen sets out how its version works, including how the round starts and how long it runs; our checked data confirms the respin style but not those details.

Standard and Ultra modes

The free spins come in two modes. In Standard mode the most the game can pay is 50,000 times the stake. In Ultra mode the ceiling doubles to 100,000 times. The help screen explains how each mode is reached and what differs between them.

Super Free Spins upgrade

On top of the two modes, the free spins can be upgraded to Super Free Spins. The exact conditions and effects are in the game rules, and reviews such as OLBG's Money Train 5 page (opens in a new tab) also cover the game.

Since a Gambling Commission warning in January 2020, feature buy-ins are not offered to British players. In Britain, every part of the bonus has to be reached through play.

Money Train 5 Standard against Ultra mode: the maths

The only published difference between the modes in our checked data is the ceiling, which casinos.com's Money Train 5 summary (opens in a new tab) also lists. Here is what each cap means in pounds at three stakes.

A higher ceiling doesn't by itself mean a better game. If two versions of a feature return the same amount on average, the one with the higher cap has to pay that return less often or in smaller amounts elsewhere, so its results are more spread out. Whether Ultra mode keeps, raises or lowers the average return isn't in our checked data, so read the mode descriptions in the help screen before assuming either one is better value. Our page on variance and standard deviation explains why spread matters as much as the average.

Money Train 5 RTP and why the version matters

96.1% is the top published RTP, and lower versions exist. Casinos choose which one to run, and the figure has to be available in the game's information. The table shows what 1,000 spins cost on average at 96.1%, and how much extra each percentage point lower would add.

So a version two points lower, at 94.1%, would cost £59.00 rather than £39.00 over 1,000 spins at £1. Over a short session you won't feel that, but over regular play it is real money. Our page on whether a higher RTP slot is better puts these differences in context.

Money Train 5 on a £20 budget

Volatility isn't published in our checked data. Money Train 2, 3 and 4 are all rated high, and a 100,000x ceiling points the same way, so plan as if long dry spells are likely until the help screen says otherwise.

• At 10p a spin, £20 gives you 200 spins if nothing comes back, and staking it all once costs about 78p on average at 96.1%.
• At 50p, the same £20 gives 40 spins and the same average cost, but far fewer chances at the free spins.
• At £1, it's 20 spins: a short session on a game of this type.

Wins get re-staked in real play, so the total you put through the game grows the longer you play, and so does the expected cost. If you want a session to last, a lower stake is the main lever you have. See how long £20 lasts on a slot for more examples, and set a deposit limit before you start.

How to play Money Train 5 online

1. Open Money Train 5 at a UK-licensed casino and read the help screen: RTP version, free spins rules and the Standard and Ultra mode details.
2. Pick a stake per spin. All 40 paylines are fixed, so the stake is the full cost of each spin.
3. Decide your budget and session length, and switch on reality checks.
4. Press spin each time. UK slots have no autoplay, and spins last at least 2.5 seconds.
5. When the free spins start, check which mode you're in and whether the Super Free Spins upgrade applies.
6. Stop at your limit, win or lose.

Where Money Train 5 fits in the series

Money Train 5 matches Money Train 3's layout and top cap but splits the bonus into modes. For a high-volatility alternative from the same studio, see Money Cart 2, or browse our high volatility slots list.

Money Train 5 and UK slot rules

• Maximum stake per spin is £5 for players aged 25 and over and £2 for those aged 18 to 24, under the Commission's online slots stake limit guidance (opens in a new tab). The £2 row in the caps table above applies to both age groups; stakes above £2 apply only to over-25s.
• Autoplay, turbo and slam-stop are banned on UK slots, with a 2.5-second minimum per spin, since 31 October 2021.
• Feature buy-ins aren't offered to British players since the Commission's January 2020 warning.
• Net spend and time played are shown on screen.
• Age and identity verification is required before any deposit or play.

Our guide to UK game design rules covers each rule and when it started.

Money Train 5 verdict

Money Train 5 suits players who already like the series and want the line-based format back with a choice of bonus ceilings. Check the RTP and mode rules first, and keep stakes in line with a budget you can afford to lose. More reviews are on our slots hub.

Where to play Money Train 5: partner offers

Money Train 5 isn't named in any of our partners' welcome offers, which are spins on Big Bass Bonanza or on selected slots. Check each casino's game lobby for the game and its RTP. All offers are for players aged 18+, and terms apply.

PlayOJO: new UK customers aged 18+ outside Northern Ireland who make a first deposit of at least £10 get 80 free spins on Big Bass Bonanza, worth 10p each. There's no wagering, so winnings are cash. Only available through the designated link, and not combinable with other offers.

Coral Casino: new players aged 18+ who deposit and stake at least £10 on slots between 1 October 2026 and 1 February 2027 receive 100 free spins at 10p on selected games. They must be accepted within 48 hours and used within 7 days; winnings carry no wagering. Deposits made with Neteller, PayPal, Paysafe, Skrill, a prepaid card or certain debit cards won't trigger it.

Ladbrokes Casino: new customers aged 18+ who deposit and spend £10 on slots get 50 free spins per day for 10 days, up to 500, at 10p each on selected games. Claim before 23:59 daily and use within 7 days; no wagering applies. The offer isn't available on deposits by prepaid card, PayPal, Paysafe, Neteller, Skrill or Moneybookers.

Coral and Ladbrokes are operated by the same company, LC International Limited (Entain), so you may be limited to a new account at one of them.

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.