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Money Train Symbols

Symbol set of Money Train

Relax Gaming constructs the visual identity with a distinct Wild West theme that frames the entire 5x4 reel layout for players. This specific configuration supports 40 fixed lines where matching symbols align horizontally to generate payouts based on their respective values. The high volatility setting ensures that these combinations occur less frequently but yield larger returns when they do materialize during gameplay 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
The paytable defines five high-paying character icons alongside four low-paying card ranks from Ten to Ace as the core symbol set. These elements occupy the grid positions and interact with special features like expanding wilds to create winning chains across the active lines. Understanding this hierarchy helps players estimate potential returns relative to their bet size within the theoretical framework established by the studio.
Money Train utilizes a strict 40-line structure that differs from adjacent titles such as Money Train 4 which employs a 6x6 grid format. This narrower layout concentrates action on fewer horizontal paths while maintaining the same high-risk profile characteristic of Relax Gaming releases. Players must adjust their strategy to account for the fixed nature of these lines rather than flexible ways-to-win mechanics found elsewhere.
Money Train game screen
Symbol layout and paytable of Money Train

High-paying symbols

The highest value icons include the Sheriff, the Bandit, and the Saloon Girl who offer significant rewards when five match on an active line. These characters carry multipliers that can escalate during the Money Cart Bonus round, potentially increasing the base payout by substantial factors. Their presence drives the majority of wins due to the game's high volatility nature and the specific weight assigned to each icon.
Each high-paying symbol contributes to the overall RTP of 96.20% calculated over millions of spins according to the manufacturer specifications. This theoretical return rate implies a house edge of 3.80% which remains constant regardless of the bet level chosen by the user. The consistency of this percentage provides a reliable baseline for long-term performance analysis compared to other slots in the genre.
Comparing this tier to competitors reveals that Money Train 4 offers a slightly lower RTP of 96.10% despite its expanded reel matrix. The difference highlights how Relax Gaming adjusts mathematical models between iterations to balance risk and reward for different player preferences. Such variations influence the expected value per spin and should be considered when selecting games for extended play sessions.

Low-paying symbols

The lowest value icons consist of standard playing card ranks ranging from Ten through King represented by stylized Western-themed graphics. These symbols appear frequently on the reels to fill gaps between high-value targets and maintain engagement during dry spells in the session. Their contribution to total winnings is minimal but essential for completing partial combinations on the 40 fixed paylines available.
While individual payouts are small, these cards accumulate value over time and help sustain the bankroll during periods of high variance. The hit frequency for these lower-tier matches is significantly higher than for premium icons, providing more regular feedback to the player. This mechanic supports the high volatility design by offering smaller, more frequent wins to offset the occasional large losses.
In contrast to Money Train 4 which uses a wider 6x6 layout, the current game restricts low-symbol visibility to the standard 5x4 grid. This spatial limitation affects the probability of forming winning clusters and requires players to adapt their betting strategies accordingly. The fixed line count ensures that every spin has equal opportunity to trigger a payout regardless of symbol position.

Wild symbol behaviour

Expanding wilds serve as the primary substitute for other symbols, appearing randomly on the reels to complete winning combinations across active lines. These special icons replace standard pays to enhance connectivity and increase the likelihood of triggering the bonus feature through scatter accumulation. Their behavior is critical for maximizing returns given the high volatility settings inherent in the Relax Gaming release.
During the Money Cart Bonus round, wilds may apply multipliers that stack multiplicatively to boost final payouts beyond standard expectations. This mechanism allows for maximum win potentials reaching up to 20000x the stake under optimal conditions with full multiplier alignment. The dynamic nature of these symbols distinguishes them from static substitutes found in simpler slot machines with fixed paytables.
Unlike Money Train 4 which introduces new wild mechanics in its sixth reel column, the original title relies on traditional expansion logic. This approach maintains consistency with classic video slot design while integrating modern bonus features to appeal to contemporary audiences. The simplicity of the wild function ensures predictable interactions that players can analyze and plan around effectively.

Scatter symbol behaviour

The scatter icon operates independently of paylines, paying out anywhere on the grid to trigger the Money Cart Bonus round directly. Landing three or more scatters initiates the feature where players enter a separate mini-game with unique rules and enhanced winning potential. This unconditional activation method removes dependency on specific line alignments and focuses attention on the bonus phase mechanics entirely.
The Buy Feature option allows players to purchase immediate entry into the Money Cart Bonus round for a predetermined cost relative to their stake. This direct access bypasses the base game entirely, appealing to those seeking faster progression toward the high-volatility bonus triggers. The cost varies based on current casino promotions but generally reflects the statistical probability of triggering the feature naturally.
Comparing this trigger system to Money Train 4 reveals differences in bonus accessibility and payout structures due to the altered reel dimensions. The original game’s straightforward scatter logic contrasts with the more complex requirements introduced in later sequels by Relax Gaming. Players must evaluate whether the direct purchase option offers better value than waiting for natural scatter occurrences during play.
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 theoretical return to player (RTP) for Money Train stands at 96.20%, which establishes a house edge of 3.80% over extended play sessions. This percentage is lower than the 98% configuration sometimes found in other variants, meaning the standard version retains more revenue for the operator than the optimized one. Players should expect a slower bankroll depletion rate compared to low-RTP games like Alles Spitze, which operates at 90.85% and carries a significantly higher house edge.
Relax Gaming designed this slot with a volatility profile classified as high, indicating that wins occur infrequently but tend to be larger when they do happen. This statistical behavior contrasts sharply with low-volatility titles that offer frequent small payouts to sustain balance. The high variance requires a larger initial deposit to survive the dry spells between significant hits during the base game phase.
The maximum win potential is capped at 20000x the total stake, setting an upper limit on possible payouts from a single session. This ceiling is substantially higher than the 500x max win found in Alles Spitze, offering greater upside potential for risk-tolerant players. Achieving this top prize requires landing specific combinations within the Money Cart Bonus round rather than through random base game spins.

How wins are calculated

Wins are determined by matching symbols along one of the 40 fixed paylines running across the 5x4 reel layout. Each winning combination must start from the leftmost reel and proceed consecutively to adjacent reels to qualify for a payout. This linear requirement differs from ways-to-win mechanics where any adjacent match from the left counts regardless of position.
The scatter symbol pays out regardless of its position on the reels, meaning it does not need to align on an active payline to trigger rewards. Landing three or more scatters typically activates the Money Cart Bonus round, shifting the focus from line-based wins to feature-triggered multipliers. This mechanic ensures that bonus eligibility is not restricted by the strict alignment rules of standard payline wins.
Wild symbols substitute for all other regular icons to help complete winning combinations on active paylines, effectively increasing hit frequency. However, wilds usually cannot replace the scatter symbol itself, preserving the integrity of the bonus trigger condition. This substitution rule applies only to the base game and does not extend into the special features unless explicitly stated in the paytable.

Line wins versus ways wins

Money Train utilizes a fixed 40-line system rather than a flexible ways-to-win structure, requiring exact symbol placement on predefined paths. This means players bet on every line simultaneously, ensuring that no potential winning combination is missed due to inactive reels. The contrast with ways games lies in the rigid structure, where alignment must follow the specific geometric pattern defined by the developer.
The number of active lines directly influences the total stake per spin, as each of the 40 lines incurs a cost based on the chosen coin value. With a minimum bet of 0.10, the cost per line is minimal, but the total exposure scales quickly if players increase their wager. This fixed-line approach provides transparency in cost calculation, unlike variable ways systems where the number of active paths might change dynamically.
Comparing this to a title like Alles Spitze, which also uses fixed lines, reveals that Money Train offers a higher maximum win potential despite similar structural foundations. The 40 lines provide ample opportunities for small to medium wins during the base game, helping to offset the high volatility. Players seeking consistent returns might find this linear model more predictable than the chaotic nature of some ways-to-win slots.

Bet size and symbol value

The betting range spans from a minimum of 0.10 to a maximum of 50 per spin, accommodating both casual players and high rollers. This wide spectrum allows users to adjust their risk exposure without changing the underlying game mechanics or RTP percentage. The flexibility in stake sizing is crucial for managing bankroll longevity during high-volatility sessions.
Symbol values are tiered according to their rarity, with lower-paying icons offering modest returns and high-value thematic symbols providing substantial payouts. The Wild West theme dictates the icon hierarchy, where gunfighters and treasure chests carry the highest monetary worth. These values remain constant across all bets, scaling proportionally with the total stake placed on the 40 lines.
Purchasing the Money Cart bonus feature directly costs 100 times the current bet, adding a significant layer of strategic decision-making to the gameplay. For a maximum bet of 50, this purchase would require a 5000 expenditure per spin, testing even the most robust bankrolls. This option bypasses the randomness of triggering the bonus naturally, guaranteeing entry into the high-multiplier round immediately.

Multipliers on the reels

Expanding wilds with attached multipliers appear primarily during the Money Cart Bonus round, dramatically increasing the potential payout size. These multipliers can stack and combine with other winning combinations to create exponential growth in the final reward amount. The presence of these modifiers is the key differentiator between the base game and the lucrative bonus feature.
The theoretical return to player (RTP) of 96.20% assumes standard play, but purchasing the bonus feature can alter the effective return depending on the multiplier distribution. Some configurations circulate with an RTP up to 98% when the bonus is bought directly, reflecting the higher expected value of the triggered round. Players must weigh the immediate cost of the purchase against the long-term statistical advantage of the higher RTP variant.
Maximizing wins requires landing multiple expanding wilds with high multipliers simultaneously on the same spin within the bonus round. This scenario is rare due to the high volatility but can lead to the maximum win cap of 20000x the stake. Such outcomes depend entirely on the random generation of wild positions and their associated multiplier values during the free spins phase.

Special symbols in the bonus

The Money Cart Bonus round introduces expanding wilds and multipliers that drive the maximum win potential of 20,000x. This feature distinguishes the title from Book of Dead, which relies on standard scatter triggers for its 5,000x cap without such grid mechanics. Players must engage with these special symbols to access the highest payout tier available in the game.
Relax Gaming designed this slot with a Wild West theme where premium symbols upgrade during the free spins phase. The expanding nature of these wilds allows them to cover entire reels, significantly increasing the probability of landing high-value combinations. This mechanic creates a volatile environment where wins are less frequent but potentially much larger than base game payouts.

Symbol upgrades and collections

The theoretical return is set at 96.20%, meaning the house edge stands at 3.80% over a very long run of spins. Some configurations circulate with an RTP up to 98% when the Money Cart bonus is purchased directly, altering the standard mathematical model. This variation requires players to verify the specific version they are playing before committing funds to the session.

Grid layout and symbol positions

Money Train utilizes a 5x4 reel layout with 40 fixed lines, providing a wider playing field than the 5x3 grid found in Book of Dead. The expanded vertical dimension allows for more symbol positions and increases the complexity of potential winning paths per spin. This structure supports the high volatility rating by accommodating larger symbol clusters and more diverse payout opportunities.

Frequency of premium symbols

The game features high volatility, indicating that premium symbols appear infrequently but trigger substantial payouts when they do land. Players should expect longer dry spells between significant wins compared to low-volatility titles, as the 3.80% house edge accumulates during these periods. Understanding this frequency helps manage bankroll expectations while chasing the 20,000x maximum win potential.

Paytable details worth checking

Betting ranges span from 0.10 to 50, allowing flexibility for both cautious testers and high-stakes players seeking the max win. The 96.20% RTP applies to the standard play mode, while direct purchase options may shift the effective return rate toward 98%. Reviewing these limits ensures alignment with personal risk tolerance before initiating any spin sequence or bonus acquisition.
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