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Money Train Symbols

Symbol set of Money Train

The reel layout displays a 5x4 grid with 40 fixed paylines active for every spin. This structure supports the high volatility design, meaning wins occur less frequently but carry larger potential payouts compared to lower volatility alternatives. High rollers must account for this variance when allocating their bankroll across sessions.
Money Train paytable and grid
Grid5x4
Paylines / ways40 fixed lines
Top symbol payout20x bet for 5 top symbols on a line
Bonus triggerBonus symbols on reels 1, 3 and 5 start Money Cart
Relax Gaming released Money Train in 2019 with a theoretical RTP of 96.20%, establishing a house edge of 3.80% over extended play. Some operators offer configurations reaching up to 98% when the Money Cart bonus is purchased directly, altering the long-term return profile significantly. Players should verify which version they are accessing before depositing funds.
Unlike Money Train 4 which utilizes a 6x6 layout and offers a max win of 150,000x, the original game caps its maximum payout at 20000x on the standard reels. The smaller grid size requires precise symbol alignment on the 40 lines to trigger base game wins consistently. This distinction affects risk management strategies for experienced slot players.
Money Train game screen
Symbol layout and paytable of Money Train

High-paying symbols

The betting range spans from 0.10 to 50 per spin, allowing high rollers to stake substantial amounts on each of the 40 fixed lines. A maximum bet of 50 on all lines results in a total wager of 2000 per spin, accelerating the consumption of the session bankroll due to high volatility. This steep cost structure demands careful fund management to sustain gameplay through dry spells.
Expanding wilds and multipliers appear during the Money Cart Bonus round, potentially increasing the value of high-paying symbol combinations beyond the base game limits. These features can multiply wins significantly, offering the chance to approach the 20000x maximum win cap more frequently than standard spins allow. The Buy Feature option enables direct access to these lucrative conditions for an upfront fee.
Money Train 4 provides a higher ceiling with a max win of 150,000x on its 6x6 grid, whereas Money Train restricts top payouts to 20000x on its 5x4 layout. The lower cap on the original title means high rollers must rely on multiple medium-sized wins or the bonus round to achieve significant returns. This limitation influences the expected value calculations for large-stakes sessions.

Low-paying symbols

Standard card ranks form the low-paying segment of the symbol set, contributing to the overall hit frequency on the 40 fixed paylines. These symbols typically yield smaller payouts that help maintain bankroll stability between larger bonus triggers or winning streaks. Their frequent appearance mitigates the impact of the game's high volatility during initial phases of play.
The theoretical RTP stands at 96.20%, calculated over hundreds of thousands of spins where low symbols contribute the majority of base game returns. Variations in configuration may adjust this figure up to 98% if the Money Cart bonus is bought directly, shifting the weight toward bonus-driven outcomes. Understanding this baseline helps players gauge the long-term performance of low-value hits.
In contrast, Money Train 4 operates with a very high volatility setting and a different payout structure due to its 6x6 reels and 96.10% RTP. The original Money Train’s 96.20% RTP and 5x4 format provide a slightly more predictable return pattern for low-symbol combinations. This difference affects how often small wins recur relative to the total wagered amount.

Wild symbol behaviour

Wild symbols substitute for other icons to complete winning combinations on the 40 active paylines, enhancing the probability of landing a payout. They do not replace scatters, which operate independently to trigger the Money Cart Bonus round regardless of their position on the 5x4 grid. This separation ensures that bonus eligibility remains distinct from base game line wins.
During the Money Cart Bonus round, wilds expand to cover entire reels and apply multipliers to the final win calculation, drastically increasing potential earnings. The maximum win cap of 20000x applies to these expanded wild scenarios, limiting the absolute payout even with high multipliers active. Players engaging the Buy Feature gain immediate access to these mechanics without waiting for random triggers.
Money Train 4 features expanding wilds on its 6x6 grid with a much higher max win potential of 150,000x, offering greater upside for similar wild behaviors. The original Money Train’s 20000x limit constrains the financial impact of these expansions compared to its sequel. High rollers must weigh this capped reward against the 96.20% RTP when deciding whether to pursue the bonus feature.

Scatter symbol behaviour

Scatter symbols pay regardless of their position on the reels and usually trigger the Money Cart Bonus round when specific quantities appear. This mechanism bypasses the need for alignment on the 40 fixed paylines, providing an alternative path to the game’s most lucrative feature. The independence from payline structures allows scatters to activate bonuses even on losing base game spins.
The bonus round introduces expanding wilds and multipliers, transforming scatter-triggered events into opportunities for significant payouts up to the 20000x maximum win. Relax Gaming designed this flow to reward patience with high volatility, as the bonus frequency depends on random scatter distribution across the 5x4 grid. Direct purchase options via the Buy Feature allow players to bypass this randomness entirely.
Money Train 4 utilizes a similar scatter mechanic on its 6x6 layout but targets a much higher max win of 150,000x with very high volatility. The original title’s 20000x cap and 96.20% RTP create a different risk-reward balance compared to the newer release’s 96.10% RTP. This comparison highlights how scatter-triggered bonuses scale differently across the franchise’s titles.
Money Train: key facts
ParameterValue
GameMoney Train
StudioRelax Gaming
Released2019
RTP96.20%
House edge3.80%
Volatilityhigh
Max win20000x
Reels5x4
Paylines / ways40 fixed lines
Bet range0.10 – 50

Reading the paytable

The Money Train slot from Relax Gaming utilizes a standard 5x4 reel layout with 40 fixed paylines, requiring players to align symbols along these specific paths. This structured grid contrasts sharply with open-ended systems like Alles Spitze by Merkur, which employs high volatility and a significantly lower return of 90.85%. Understanding these fixed lines is essential for calculating potential payouts on every spin.
Symbol values are determined by their position within the paytable hierarchy, where higher-paying icons yield larger rewards when forming combinations. The game features a theoretical RTP of 96.20%, establishing a house edge of 3.80% over extended play sessions. Players must verify these rates in the official interface, as some configurations may reach up to 98% when specific bonus purchases are active.
Wild symbols substitute for other icons to complete winning sequences, while scatter pays regardless of their position on the reels. These mechanics trigger the Money Cart Bonus round, offering expanding wilds and multipliers that can increase win potential. Such feature definitions help high rollers assess the risk profile before committing substantial bankrolls to each session.

How wins are calculated

Base game victories depend on matching three or more identical symbols across one of the 40 fixed paylines, starting from the leftmost reel. This linear calculation method differs from adjacent-match systems found in titles like Alles Spitze by Merkur, which caps its maximum win at 500x. Each valid combination pays out according to the predefined symbol values listed in the game rules.
The maximum win cap stands at 20000x the total bet, representing the highest possible payout during a single gaming session. This ceiling applies to both base game hits and the enhanced returns generated within the Money Cart Bonus round. High stakes players must account for this limit when projecting potential returns on large wagers.
Payouts are distributed immediately upon the completion of a spin, provided the winning combination meets the minimum requirement of three symbols. The RTP of 96.20% ensures that over hundreds of thousands of spins, the theoretical return aligns with this percentage. Deviations occur frequently due to high volatility, making short-term results unpredictable.

Line wins versus ways wins

Money Train employs a traditional 40 fixed lines system rather than a flexible ways-to-win mechanic, restricting victory patterns to specific horizontal or diagonal paths. This structure contrasts with games like Alles Spitze by Merkur, which may offer different evaluation methods despite its high volatility classification. Players cannot adjust line counts, as the configuration remains static throughout gameplay.
Fixed lines simplify win calculations by ensuring that only adjacent matches on designated paths contribute to the total payout. In contrast, ways-to-win games count any adjacent match from the leftmost reel, increasing hit frequency but often lowering individual symbol values. The 40-line setup provides a balanced approach between frequency and magnitude for serious players.
Understanding this distinction is crucial for managing bankroll expectations, as fixed lines typically offer more predictable variance compared to open ways. The maximum win of 20000x remains achievable under this framework, provided sufficient multiplier activity occurs in the bonus. This clarity helps analysts evaluate the true cost per spin accurately.

Bet size and symbol value

The betting range spans from 0.10 to 50 per spin, accommodating both casual observers and high rollers seeking substantial exposure. This upper limit of 50 allows for significant stake sizes without exceeding standard table limits found in live casino environments. Adjusting the bet directly scales all potential payouts proportionally.
Higher bets increase the absolute value of each win, though the percentage return based on the 96.20% RTP remains constant over time. A wager of 50 generates a theoretical loss of 1.90 per spin, calculated as 50 multiplied by 3.80%. This mathematical certainty underscores the importance of budget management during volatile sessions.
Symbol values remain fixed relative to the bet size, meaning a tenfold increase in stake yields a tenfold increase in payout amount. This linear relationship ensures transparency for players tracking their financial performance against the house edge. Comparisons with games like Alles Spitze by Merkur highlight how lower max wins restrict high-stakes profit potential.

Multipliers on the reels

Multipliers activate primarily during the Money Cart Bonus round, where they combine with expanding wilds to amplify win totals significantly. These enhancements can push payouts toward the maximum win cap of 20000x, offering substantial returns for well-timed spins. Base game multipliers are less frequent but still contribute to overall variance.
The Buy Feature option allows players to purchase direct access to the Money Cart Bonus, potentially accelerating the accumulation of multiplier effects. While this bypasses base game grinding, it increases immediate risk exposure given the high volatility nature of the title. Analysts recommend evaluating the cost-benefit ratio before utilizing this shortcut.
RTP variations up to 98% may apply when using the Buy Feature, reflecting the adjusted probability distribution of bonus triggers. This configuration alters the theoretical return compared to the standard 96.20% mode, impacting long-term profitability projections. Players must verify the active mode to accurately assess their expected value per spin.

Special symbols in the bonus

The Money Cart Bonus round activates expanding wilds and multipliers, a feature set defined by Relax Gaming for this high volatility slot. This mechanism differs significantly from scatter pays that trigger bonuses without grid changes, as seen in Book of Dead where scatters simply initiate free spins. High rollers benefit from the potential for massive payouts because these special symbols accumulate during the re-spin phase. The maximum win reaches 20000x the stake when multipliers stack to their highest possible value.
Wild symbols substitute for other regular icons on the reels, ensuring more frequent winning combinations during the base game and bonus features. In contrast, scatter symbols pay regardless of position and usually trigger the bonus round without needing adjacent alignment. Money Train uses the Money Cart symbol specifically to start the bonus, rather than standard scatter mechanics found in older titles. This distinction allows for a more complex bonus structure compared to simpler 5x3 reel games.
The Buy Feature option allows players to purchase direct access to the Money Cart bonus round for a premium cost. This bypasses the base game entirely, offering immediate entry into the high-volatility environment with its expanding wilds. A typical welcome bonus might offer 100 free spins, but purchasing the feature guarantees the bonus trigger instantly. This approach suits experienced players who prefer controlled variance over random chance in high-stakes sessions.

Symbol upgrades and collections

Relax Gaming designed the Money Cart bonus to include multiplier symbols that upgrade during the re-spin sequence. Each collected money bag adds a new re-spin, allowing multipliers to accumulate on the screen until no further bags appear. This collection mechanic contrasts with fixed paylines, where wins are determined solely by static symbol positions on each spin. The potential for continuous upgrades drives the high volatility nature of the game's core loop.
The game operates on a 5x4 reel layout with 40 fixed lines, meaning every line must be bet on for any win to occur. Unlike ways-to-win systems that count any adjacent match from the leftmost reel, fixed lines require precise alignment. This structure supports the bonus round's focus on specific symbol interactions rather than broad adjacency rules. Players betting at the maximum limit of 50 per spin engage all forty lines simultaneously.
Premium symbols in the bonus round carry higher values and contribute directly to the 20000x maximum win cap. Regular symbols serve primarily as placeholders for wilds or low-value payouts outside the bonus feature. The absence of a cash-out button means players cannot secure partial winnings mid-round, relying instead on the final grid state. This design forces reliance on the mathematical expectation of the bonus triggers rather than player intervention.

Grid layout and symbol positions

The standard grid measures 5 reels by 4 rows, providing a wider vertical space than the traditional 5x3 configuration used in many classic slots. This expanded layout accommodates the additional symbol types required for the Wild West theme and the bonus mechanics. For comparison, Book of Dead utilizes a tighter 5x3 grid which limits the visual complexity of its symbol arrangements. The extra row in Money Train allows for more dynamic symbol positioning during the base game spins.
With 40 fixed paylines, every spin costs multiple times the base unit bet, requiring careful bankroll management for high stakes. A bet of 50 credits activates all forty lines, whereas a minimum bet of 0.10 credits still covers all lines at a lower intensity. This fixed-line structure ensures that every symbol position contributes to potential wins along predefined paths. It eliminates the ambiguity of ways-to-win calculations, providing clear outcomes for every spin result.
Symbol positions are randomized across the 5x4 grid using certified random number generators to ensure fair play for all participants. The house edge stands at 3.80%, derived from the theoretical return rate of 96.20% over a very long run. This statistical margin applies equally to all symbol positions and payline combinations across the entire grid surface. High rollers should account for this edge when calculating expected losses over extended playing sessions.

Frequency of premium symbols

High volatility indicates that winning combinations, particularly those involving premium symbols, occur less frequently but yield larger payouts. This characteristic aligns with the game's design to support the substantial 20000x maximum win potential through rare but lucrative events. Players experience longer dry spells between significant hits compared to low volatility alternatives. The statistical distribution favors big wins over consistent small returns.
The theoretical return of 96.20% represents an average over hundreds of thousands of spins, not a guarantee for short-term sessions. Some configurations circulate with RTPs up to 98% when the Money Cart bonus is purchased directly, altering the long-term expectation. This variation highlights the importance of understanding which version of the game is being played. High rollers must verify the active RTP settings before committing large stakes to the session.
Premium symbols appear with a frequency dictated by the high volatility setting, requiring patience to trigger the bonus round effectively. The absence of a cash-out button means players cannot mitigate losses during cold streaks by exiting mid-bonus. This rigid structure demands a bankroll capable of withstanding extended periods without major payouts. Strategic betting within the 0.10 to 50 range helps manage exposure during these inevitable dry spells.

Paytable details worth checking

The maximum win cap of 20000x sets a hard limit on the potential payout from a single spin or bonus round sequence. This ceiling applies regardless of the bet size, meaning even maximum bets of 50 are subject to the same upper bound. Players should compare this against other high-paying slots like Book of Dead, which caps at 5000x despite similar volatility profiles. The higher cap in Money Train offers greater upside potential for successful high-stakes strategies.
Bet ranges span from 0.10 to 50 credits, allowing flexibility for different bankroll sizes while maintaining the 40 fixed line structure. A maximum bet of 50 credits results in a total wager of 40 units per spin (50 x 40 lines = 2000 credit value). This calculation demonstrates how quickly stakes accumulate in high volatility environments. Managing this turnover is crucial for sustaining play during the game's inherent variance.
RTP figures must be verified against the specific casino implementation, as values can vary based on operator settings or feature purchases. The stated 96.20% is the baseline, but purchasing the bonus feature may adjust the effective return depending on the provider's configuration. Always check the game information panel for the exact RTP displayed during play. Discrepancies between advertised rates and actual gameplay can impact long-term expectations for serious players.
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