Money Train Review 2026: Where To Play?
Pro Tip
If you're testing Money Train for the first time, start with the base game before using the bonus buy. Buy-in prices vary widely by game – anywhere from a few times your stake to several hundred – so check the buy menu in Money Train itself, and get a feel for the volatility at lower risk before committing to it.
Where To Play Money Train
These casinos carry Relax Gaming titles and come from our active affiliate stack, rotated so no single brand always sits top – see our disclosure.
Up to €/$25,000 + 350 Free Spins across 4 deposits (codes SM1–SM4)
50x bonus wagering
200% of your first deposit only credited to a locked Bonus Balance, released only as you claim daily/weekly/monthly cashback – plus up to 25% daily cashback at 1x wagering within 30 days
1x on cashback (30 days); the matching amount unlocked from the Bonus Balance is 0x wagering
Up to A$22,500 (€15,000) + 350 Free Spins across 4 deposits
40x bonus (promo cards; general bonus T&Cs still say 50x) wagering
Table of Contents▼
I consider Money Train the game that put Relax Gaming on the map, and the Money Cart hold-and-spin bonus it introduced in 2019 would go on to define an entire franchise. The 20,000x max win was ambitious for its time, the bonus buy option added convenience, and the 96.20% RTP was above average.
Subsequent entries in the series have overshadowed it, but the original deserves credit for launching what became one of the most celebrated slot franchises in modern iGaming.
The original Money Train pays 20,000x through the Money Cart respin round at a 96.20% RTP – lower than its sequels' ceilings, and the round that defined the whole genre.
| Spec | Detail |
|---|---|
| Provider | Relax Gaming |
| Max win | 20,000x |
| RTP | 96.20% (operator-configurable) |
| Volatility | High |
| Grid | 5x4, 40 paylines |
| Bonus buy | Available |
| Released | 2019 |
Money Train Overview
I have played Money Train from its earliest days, and the Money Cart bonus round is the entire reason to spin this game. When triggered, you receive 3 respins on the 5x4 grid with symbol values displayed on each position.
Landing new symbols resets the respin counter to 3, and the round continues until either you run out of respins or fill the entire grid. The accumulation of symbol values across the grid creates a building tension that makes every new symbol feel significant.
The base game runs on 40 paylines with standard wild and scatter mechanics. It can feel unremarkable between bonus triggers – I will be honest about that.
The 96.20% RTP is solid, and high volatility means the game concentrates its value in the Money Cart feature. The bonus buy option at 80x stake gives direct access to the feature, which I always appreciate in high-volatility games where base game triggers can be infrequent.
The older graphics are noticeable when compared to Money Train 2, 3, and 4, but the maths model holds up. This is a game I respect for what it started, even if I would typically recommend its sequels for pure gameplay.
The 96.20% RTP only plays out across thousands of spins. Set a session bankroll of at least 200 spins at your chosen stake before judging the maths.
Money Train RTP Versions
The original Money Train publishes at 96.20%, and Relax Gaming makes alternate builds available to operators the same way it does across the rest of the series – Money Train 2 ships in 96.4% and 94.4% configurations, and Money Train 3 in 96.10% and 94.00%.
Documentation for the original's alternate builds is thinner than for the sequels, so we will not put a number on the reduced version we cannot source. What matters practically is that 96.20% is the ceiling, not a guarantee.
Most casinos never advertise which build they run. The reliable check is inside the game itself – open the info or paytable panel from the game's own menu once it has loaded and read the RTP printed there. That figure is the one your session actually pays at, whatever the casino's game page claims.
Playing Money Train on Mobile
The mobile version runs well, with the 5x4 grid displaying cleanly on both orientations. I preferred landscape mode for the Money Cart bonus, where tracking the accumulating symbol values across all 20 grid positions is easier on a wider screen.
Touch controls are responsive, and the bonus buy button is well-placed. The visual style shows its 2019 age on modern high-resolution screens, but performance is solid throughout.
When I Played Money Train
I ran a session at €0.40 per spin – close to the historical midpoint for this game – and the 5x4 saloon grid loaded the original 2019 soundtrack that Relax Gaming built this around. The symbol set reads cleanly even by 2026 standards: cowboy characters on the high-pays, card royals on the lows, BONUS cogs as the scatter.
Nothing fancy, nothing layered – that restraint is why I still have patience for the original when the sequels overwhelm me.
The base game ran the way it always does – frequent payline wins through the character symbols, the occasional stacked WILD on an outer reel delivering something meaningful. A stacked WILD column on reel 5 drove a mid-session hit that covered roughly 15x my stake across multiple paylines.
Without the modifier complexity of Money Train 2 and 3, each win resolves quickly – you see the line, the math lands, you move on. It is a faster rhythm than the sequels, and that pace is the honest reason to still play the original.
The Money Cart bonus did not trigger organically in my session. That is the trade Relax Gaming made with the original – the feature is the only real reason to spin here, and the base game exists to fund either a bonus trigger or the 80x bonus-buy.
At €0.40, that means €32 to buy the bonus, more than I usually commit, which is partly why I reach for Money Train 3 when I want the feature on demand. But the original earns its respect for launching the format.
Money Train Pros and Cons
The franchise launcher that introduced the Money Cart mechanic. Strong maths but visually dated, and the sequels have improved on every aspect.
Pros:
- 20,000x max win launched the series with a strong ceiling
- Money Cart hold-and-spin bonus is the defining feature that sparked a franchise
- Bonus buy option for instant access to the feature at 80x stake
- Above-average 96.20% RTP
Cons:
- Base game can feel uneventful outside the Money Cart bonus
- Older graphics compared to the polished later entries in the series
Where Is Money Train Restricted?
Relax Gaming restricts Money Train in these regulated markets.
- United States
- Australia
- France
- Italy
- Spain
Best Money Train Alternatives
The most obvious alternatives are the game's own sequels, each of which builds on the Money Cart formula with higher ceilings and more modifiers.
Money Train 2 (Relax Gaming)
The sequel raised the max win from 20,000x to 50,000x and introduced persistent modifiers like Collector, Sniper, and Necromancer that create exponential win-scaling potential. The 96.40% RTP is higher, and the bonus buy pushes to 98%.
This is the upgrade in every measurable dimension.
Why pick over Money Train: 2.5x higher max win with modifier mechanics that fundamentally deepen the bonus.
Money Train 3 (Relax Gaming)
The Shapeshifter-driven Money Cart round of Money Train 3 doubled the max win again to 100,000x and added the Reshuffler modifier that redistributes symbols mid-bonus. The 96.10% RTP is slightly lower than the original, and the $10 max bet caps absolute payouts, but the win potential is industry-leading and the mobile load speed is the snappiest in the series.
Why pick over Money Train: 5x higher max win with the most refined modifier set in the series.
Money Train 4 (Relax Gaming)
The franchise finale pushes the ceiling to 150,000x on a new 6x6 scatter-pays grid with 21 modifiers. The bold mechanical shift to scatter pays was divisive, but the win potential is the series' peak.
The $6 max bet is restrictive.
Why pick over Money Train: record-breaking 150,000x max win with maximum modifier variety.
Temple Tumble Megaways (Relax Gaming)
If you want a Relax Gaming slot outside the Money Train series, the 46,656 Megaways engine of Temple Tumble Megaways pairs tumbling reels with destructible stone blocks and three selectable free-spins modes. The 9,600x max win and 96.25% RTP offer a different kind of Relax session – slower tempo, heavier per-win weight.
Why pick over Money Train: Megaways cascading gameplay with strategic free-spins choice.
Frequently Asked Questions
What is Money Train's RTP?
Money Train has an RTP of 96.20%, which is above the industry average. The bonus buy feature maintains this same RTP.
Among the Money Train series, this sits between Money Train 2 (96.40%) and Money Train 3/4 (96.10%).
Is Money Train available in Italy?
No. Relax Gaming restricts Money Train in Italy, along with the United States, Australia, France, and Spain.
Italian players looking for hold-and-spin mechanics should explore alternatives from providers with AAMS/ADM licensing.
How does the Money Cart bonus round work?
The Money Cart bonus triggers when you land enough scatter symbols during the base game (or through the bonus buy at 80x stake). You receive 3 initial respins on the 5x4 grid.
Each position that already has a symbol displays a cash value. When a new symbol lands on an empty position, the respin counter resets to 3.
The round ends when either you run out of respins or fill all 20 grid positions. The total payout is the sum of all symbol values on the grid, which can reach up to 20,000x your stake.
Does every casino run the same RTP on Money Train?
Not guaranteed. 96.20% is the published figure and the ceiling, and Relax Gaming licenses reduced builds across the Money Train series – 94.4% on Money Train 2 and 94.00% on Money Train 3. Documentation for the original's reduced build is thinner, so treat 96.20% as the best case and check the in-game info panel for what your casino actually runs.