Money Train slot review

Money Train slot: the game that started a series

Money Train arrived in 2019, a year after Relax Gaming began releasing its own slots, and it went on to become the studio’s best-known title. Four numbered sequels followed, and the respin bonus at its heart, the Money Cart, became a template for a whole style of collect-and-respin games. You can see the full family on our Money Train series page.

The theme matters less than the structure. Line wins in the base game are modest; the Money Cart bonus is where the 20,000x ceiling lives. Our checked data does not confirm a volatility rating for this first game, so we won’t give one, but the shape of the design, with a top prize far above typical returns, points to large swings between sessions.

Money Train paylines and base game

Money Train pays on 40 fixed paylines across a 5 × 4 grid. Fixed means you can’t switch lines off: your stake always covers all 40, so a £1 spin is effectively 2.5p per line. Wins pay for matching symbols along a line from the leftmost reel, and the paytable inside the game shows each symbol’s value as a multiple of your total stake.

With four rows instead of the classic three, more symbols are in view on each spin, which helps the game fit 40 lines without them overlapping too heavily. The base game exists mostly to deliver the bonus. Expect the line wins to replace part of your stake on many spins rather than to build a balance.

How the features work: the Money Cart bonus

The Money Cart bonus is a respin round. It starts with three respins. Each time a new symbol lands on the grid, the counter goes back to three; when you play three respins in a row with nothing new landing, the round ends and the values on the grid are added up and paid.

What makes the round more than a simple cash-collect game is the cast of special character symbols. According to the game’s description, as summarised in OLBG’s guide to the Money Train slots (opens in a new tab), they come in four broad roles:

The persistent versions are the key to the big results. A normal character acts once, at the moment it lands. A persistent one keeps acting on every respin that follows, so landing a persistent collector or payer early means it fires again and again while the round lasts. Because each new landing also resets the respin counter, an active round can feed itself for some time.

None of this changes the long-run maths: the round’s average contribution is already built into the 96.2% RTP. Our checked data does not confirm how the bonus is triggered from the base game or how many extra reels can open, so read the paytable for those rules. The wider idea is explained in our guide to hold and win slots.

Money Train RTP in pounds and pence

An RTP of 96.2% means the game keeps 3.8% of everything staked, on average, over a very long run. That gives a simple rule: the expected cost of a spin is the stake × 3.8%. It is an average across millions of spins, so a real session can land far either side of it.

The £20 column shows how many spins your budget covers if you put it through once. At 10p you get 200 spins, which gives the Money Cart more chances to appear; at £1 you get 20. Wins are recycled in practice, so sessions often run longer, but a game with a 20,000x ceiling pays a large part of its return through rare results, which means many sessions finish below the average. Our page on how long £20 lasts on a slot shows the effect with more examples.

Speed matters too. UK rules require at least 2.5 seconds per spin, so the fastest possible pace is 24 spins a minute. At 10p and 500 spins an hour, the average cost from the table is £1.90 an hour; at £1 it is £19.00. That is the real price of the entertainment, and it is why a stake level should be chosen from your budget, not your hopes.

Money Train max win of 20,000x in context

The stated top prize is 20,000x the stake. A cap like this is a ceiling, reached only through an exceptional Money Cart round, and it says nothing about what a typical bonus pays. Here is what the multiple means at different bets, including the UK’s legal limits.

Later games in the series raised the ceiling sharply, to 50,000x in Money Train 2 and 100,000x in Money Train 3, which is part of why the original now looks gentler. For background on how caps are set, read what a slot’s max win means.

How to play the Money Train slot

1. Choose a UKGC-licensed casino and complete age and identity checks, which are required before any deposit or demo play.
2. Set a deposit limit when the casino prompts you before your first deposit.
3. Find Money Train in the game lobby and open the paytable to confirm the RTP shown there.
4. Pick a stake: remember all 40 lines are always active, and the UK cap is £5 a spin (25 and over) or £2 (18 to 24).
5. Press spin for each round; there is no autoplay on UK slots.
6. If the Money Cart starts, watch the respin counter and the special symbols as they act.
7. Check the on-screen net spend and time display, and stop at the limit you set.

Money Train slot UK rules and versions

Relax Gaming holds a Gambling Commission licence (account 37462), and Money Train runs under the same UK design rules as every other online slot. Since 31 October 2021 that has meant no autoplay, no turbo or slam-stop, a minimum of 2.5 seconds per spin and no celebrating returns below your stake; the details are on our game design rules page.

Stakes are capped by the UK slot stake limits: £5 a spin for players aged 25 and over from 9 April 2025, and £2 for players aged 18 to 24 from 21 May 2025.

Some versions of Relax games offered abroad let players pay to enter the bonus. Since a Gambling Commission games warning in January 2020 (opens in a new tab), feature buy-ins are not offered to British players, so the Money Cart is reached only through play. See feature buy rules for why.

Money Train against the rest of the series

Each sequel kept the respin-and-characters idea while changing the grid, the ceiling or the RTP. The table uses only figures we have verified.

The pattern is clear: later games accept a slightly lower RTP in exchange for far higher caps, which usually means bigger swings. Read the reviews of Money Train 2, Money Train 3, Money Train 4 and Money Train 5, or try Money Cart 2, which builds a game around the bonus round itself. More reviews are in our slots hub.

Money Train myths worth dropping

• “The bonus is due.” Each spin is independent. A long gap without the Money Cart does not make the next spin more likely to trigger it; see can a slot be due a win.
• “Bigger stakes pay a higher percentage.” The RTP is the same at every stake in a given version; a bigger bet just costs more per spin.
• “A 20,000x game will pay big if you keep going.” Playing longer only brings your results closer to the average loss. Chasing a top prize is the fastest way to overspend.

Where to play Money Train online

Our three closest partner offers are slot welcome offers, but each is for specific games, and none is tied to Money Train. Check the casino’s game lobby to confirm it carries the game. You must be 18 or over, and terms apply.

Coral and Ladbrokes share an operator, LC International Limited, so holding new accounts at both may not be possible. Treat any spins as a way to try games, not as income: once you play with your own money, the 3.8% average cost applies.

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.