Money Train Demo & review

The first Money Train is where the series' Money Cart began: three BONUS symbols open a respin round of sticky cash values that Payers and Collectors build on, in a cart that can widen from five reels to seven. Relax Gaming released it in August 2019, and this page covers that original game, not its sequels or Origins. It suits players who want the Money Cart with a short cast of characters and a cheaper buy than Money Train 2.

How Money Train works

The base game is 40 fixed lines on five reels of four rows, paying three to five of a kind from reel 1, and each line pays its best combination only. Symbols can land in stacks, and the WILD stands in for everything else. Four outlaws sit at the top of the paytable.

The paytable at our 1.00 bet: the WILD and the four outlaws. FluxPlays demo test, 2 November 2026.

How the features connect:

1. BONUS symbols land on reels 1, 3 and 5 of the base game. All three at once start the Money Cart.
2. The Money Cart switches to independent reels, and every symbol that lands reveals a value as a multiple of the bet.
3. Payers, Collectors and their persistent versions change those values while the round runs. Wideners open up to two extra reels.
4. The Buy Feature skips the base game and starts the round with three BONUS symbols.

The Money Cart is the whole game. The line wins keep a session ticking over until it arrives.

The intro screen: the 20,000x cap and the stacked symbols on the base reels. FluxPlays demo test, 2 November 2026.

How the Money Cart works

The three trigger symbols reveal their values and the round starts with three spins. Every new symbol that lands stays put and resets the count to 3, and when the spins run out every visible value is added up and paid.

The order matters more than the count. A Payer early on lifts every coin that is already there, and a Collector late in the round gathers everything the board has built. The persistent versions do their job on every remaining spin, which is how a round can climb far past what its first coins were worth.

The Money Cart rules: the trigger, the spin count and what each symbol does. FluxPlays demo test, 2 November 2026.

Our bought Money Cart, step by step

Our round lasted 21 respins on a counter that kept resetting. It opened at 5x and reached 27x with plain Money Safe coins, while two Wideners pushed the cart to seven reels.

Midway through our bought Money Cart: six reels open and the total at 27x. FluxPlays demo test, 2 November 2026.

Then a Collector landed and gathered the visible values into its own, ending at 31x. The coins it counted kept their values on the board, so the total jumped to 61x, and one last coin closed the round at 65x.

The end of our bought Money Cart: seven reels, the Collector at 31x and the total at 65x. FluxPlays demo test, 2 November 2026.

Buy Feature

The Buy Feature works only in the base game, costs 80x the bet and guarantees three BONUS symbols. Its RTP is 98.00%, so by the game's own figures it returns more than spinning toward the round does.

Money Train RTP, volatility and max win

The game rules give 96.20%. Relax also lists a 90% version for Germany, and which one runs is the casino's choice. Neither the rules nor Relax's game page states a volatility label, and review sites agree on High.

Each game round is capped at 20,000x the bet. When the Money Cart's values reach the cap the round ends there and pays it, so a top-end round needs persistent Payers or Collectors firing across a widened cart.

Which Money Train is this?

Our Money Train demo test

The base game kept its distance from the bonus. Only 18 spins paid, none of them above $9.90, and two BONUS symbols came together four times without the third. The demo plays in FUN credits, which we read as dollars.

The bought cart showed why the third symbol matters so much. Money Safe coins kept the counter alive long enough for the Wideners to open both extra reels, and the Collector then roughly doubled the board. It still paid less than its price, $65.00 against $80.00. Payers, the persistent symbols and the Tumbleweed stayed off our board, and this page explains them from the rules. One bought round and a hundred base spins cannot tell you what this game returns.

End of our bought Money Cart: YOU WON 65.00. FluxPlays demo test, 2 November 2026.

Is Money Train worth playing?

No, unless you want the Money Cart in its simplest form. Every numbered sequel keeps this round and adds to it, with higher caps and more characters, so a series fan gains little here beyond the history. What the original does offer is a short rulebook and a buy that sits below Money Train 2's.

If you are choosing between the first two, pick Money Train 2 for Snipers, Necromancers and a cap more than twice as high. Pick the original if you want to learn how Payers and Collectors feed each other without a dozen other symbols in the way.

In the demo, try the buy once and watch when the Collector lands. A late one gathers everything the board has built, and seeing that once explains the whole series.