Money Train is the Relax Gaming pokie that kicked off one of the best-known series in online pokies. Relax Gaming released it in 2019, setting a Wild West train heist across a 5×4 grid with 40 paylines. The real draw is the Money Cart Bonus Round, a respin feature where coin values build while special symbols collect, pay out and multiply those values.
I played Money Train with real money at an online casino. What stood out was how clearly the game splits into two parts. The base game plays as a fairly plain line pokie. Nearly all the character and the high-volatility maths belong to the bonus round instead, and that divide shapes how the game feels from spin to spin and who it suits.
You can play the free Money Train demo on WinPockets using virtual credits. It’s a handy way to see how the Money Cart symbols interact before you decide whether the pace of the game suits you.
How to Play Money Train
The basic flow is simple:
The interface keeps the main controls grouped together, and I found it easy to check the paytable and adjust the bet without leaving the reels. At some casinos, a Bonus Buy option gives direct access to the Money Cart Bonus Round. Whether it appears depends on the operator and jurisdiction.
Gameplay & Winning Combinations
In the base game, Money Train plays like a traditional payline pokie. All 40 paylines are fixed, so every spin covers the full set. A win forms when 3 or more matching symbols land on a payline from left to right.
The Wild substitutes for regular paying symbols to help complete line wins. It does not replace the Bonus symbol.
Honestly, I didn’t find the base game especially memorable. Line wins keep the balance ticking over, but the game clearly treats the base mode as a route to the Money Cart Bonus Round. If you prefer pokies where the base game carries its own features, this may feel thin. Players chasing the build-up towards one big feature will find it makes more sense.
What Are the Money Train Pokie Symbols and Their Values?
The paytable divides into a few groups:
Exact line payouts change with the stake, so the in-game paytable is the best reference to check. It updates automatically for your chosen bet, and it’s worth a look in the WinPockets demo before you play with real money.
A different symbol set takes over inside the bonus round. It includes coin symbols with bet multiplier values, plus several character symbols with special abilities covered below.
How Do the Free Spins and Bonus Features Work?
Money Train does not use a conventional Free Spins round. Its main feature is the Money Cart Bonus Round, a respin mechanic that runs on a separate grid with its own special symbols.
Money Cart Bonus Round
Trigger: Land 3 Bonus symbols in the base game.
Mechanic: The round starts with 3 respins. Only bonus-round symbols can land on the grid, and each one that lands stays in place. Every time a new symbol lands, the respin count resets back to 3.
Effect: The round ends once you run out of respins or the grid fills completely. All symbol values on the grid are then added together and paid out as a multiple of your bet.
Each new symbol that lands extends the round and adds more value to the grid. The respin reset keeps things tense because you don’t know whether the round will keep going, rather than stopping after a fixed number of spins.
Collector, Payer and Sniper Symbols
These character symbols turn the Money Cart from a simple coin collection into something more tactical to follow:
The order in which these symbols land matters a lot. If a Payer lands before a Collector, for example, it raises values that the Collector then gathers up. Watching those interactions play out was the most engaging part of the game for me.
Persistent Payer
The Persistent Payer works like a standard Payer, but it doesn’t act just once. It keeps adding its value to the other symbols on every respin for the rest of the round. Because the round can extend with each new symbol, a Persistent Payer landing early can have a large effect on the final total.
What Is the RTP and Volatility of the Money Train Slot?
Money Train has a standard RTP of 96.2%, and Relax Gaming rates its volatility as high.
RTP is a long-term theoretical figure worked out over a huge number of spins. It doesn’t predict what happens in any single session, and short-term results can vary widely.
The high volatility matches how the game is built, since most of the potential value comes from the Money Cart Bonus Round and the base game alone can feel quiet. Bonus rounds vary a great deal in size; some end quickly with modest totals, while others build much further. If you prefer frequent, smaller wins, this profile may not suit you.
What Is the Max Win on Money Train?
The maximum win on Money Train is 20,000x your stake. Reaching it depends on the Money Cart Bonus Round building an exceptional combination of coin values, Payers, Collectors and Snipers.
A top prize like this is extremely rare, and it’s best seen as a measure of what the game can pay at its absolute top end, not something to expect on any given bonus round. Later games in the series raised the cap, but 20,000x is the figure for the original Money Train.
What Are the Theme, Graphics & Sound of Money Train?
Money Train sets its heist on a moving train against a dusty Wild West backdrop, with a slightly rugged, cinematic look. The reels appear in front of the passing landscape, giving a sense of movement even when the grid itself is still.
The presentation changes clearly once the Money Cart Bonus Round begins. Each special character has a distinct look, so it’s easy to tell a Collector from a Payer or Sniper at a glance. I liked how the visuals track the mechanics; when a Payer spreads value or a Sniper fires, the animation shows exactly what has changed on the grid.
The soundtrack uses a Western-style score that builds during the bonus round, adding intensity without becoming distracting. Compared with later entries in the series, the presentation feels a little more restrained, but it has aged reasonably well.
Play Money Train Free on Mobile
The Money Train demo runs in mobile browsers, so you can play it free on WinPockets using a phone or tablet without a separate download.
The 5×4 grid resizes for smaller screens, and the spin and bet controls respond well to touch. The Money Cart Bonus Round is fully available on mobile. Character symbols are easy to tell apart on a phone, though you may want to rotate to landscape for a clearer view of all the values on the grid.
Our Verdict
The Money Cart Bonus Round carries almost the entire experience in Money Train. The base game is serviceable but plain, and I don’t think anyone plays it for the line wins alone. That bonus round is the reason the game became so well known, and having played it, I can see why.
The respin reset, fixed values and clearly animated special symbols make the feature easy to follow as a total builds, which I liked. The interaction between Collectors, Payers, Snipers and the Persistent Payer adds real depth without becoming confusing.
The pace is uneven, though. High volatility and so much value tied to one feature mean stretches of the base game can feel slow, and not every bonus round pays much. The 96.2% RTP is competitive, and the 20,000x max win shows how high the game’s top end goes, but this isn’t a pokie for anyone chasing steady returns.
Money Train suits players who enjoy high-volatility pokies built around a single strong feature. If you prefer busy base games or lower variance, it may not click for you. Trying the free demo on WinPockets is a sensible way to see how the Money Cart works before playing with real money.
