The Money Train app search usually leads to Relax Gaming’s 2019 Wild West slot, the first in a four-game series, which you play inside a UK-licensed casino app. It pairs a 40-line base game with the Money Cart, a respin bonus where special symbols collect and pay out cash values. This guide covers the mobile layout, the bonus symbols, the 96.2% RTP and where the original sits beside its sequels.
Money Train is Relax Gaming’s 2019 original: 5 reels, 4 rows and 40 fixed paylines.
Almost all the game’s potential sits in the Money Cart bonus, which starts with three respins that reset when new symbols land.
Published RTP is 96.2%, and the top win is 20,000x stake.
In the UK the bonus can’t be bought, and stakes are capped at £5 (or £2 for 18–24s).
Developer
Relax Gaming
RTP
96.2%
Volatility
High
Layout
5 reels × 4 rows
Ways to win
40 fixed paylines
Max win
20,000x stake
Released
2019
Money Train app basics: the game that started the series
Relax Gaming began as a platform company in 2010 and only started releasing its own slots in 2018. Money Train arrived in 2019 and became the studio’s signature, spawning three sequels. The theme is a Wild West train robbery, with outlaws, a gunslinger and card suits as symbols, and a bonus round set inside the train’s cash cart.
As with any studio slot, there is no official real-money Money Train app. You play it inside a casino app licensed by the Gambling Commission, which you install from the App Store or Google Play. If a store listing uses the name without a UK operator as developer, it is not the real game; our guide on how to check a casino app developer shows the quick check.
How Money Train fits a phone screen
The 5 × 4 grid sits comfortably in landscape, with the train scenery around the reels and the controls on the right. In portrait, the reels fill the upper part of the screen and the stake and spin buttons sit beneath them. Because the grid is four rows tall, portrait works better here than on many five-reel games, and the cash values in the bonus remain readable on most modern phones.
The Money Cart bonus uses the same 5 × 4 frame, with cash values printed on each symbol. On a small screen, those numbers are the part you need to read, so rotating to landscape can help on compact handsets like the iPhone SE.
Playing Money Train in a UK casino app
Open your casino app and sign in, ideally with Face ID or a fingerprint.
Search for “Money Train” and choose the original title by Relax Gaming, not one of the sequels.
Open the info screen to read the paytable, the Money Cart rules and the RTP for this version.
Set your stake. All 40 lines are fixed, so the stake is the only setting.
Tap Spin for each round. UK rules mean no autoplay and at least 2.5 seconds per spin.
When the bonus triggers, tap to start the Money Cart and watch the respin counter.
Check your net position on the balance bar and stop at your planned limit.
The base game: 40 lines, wilds and stacks
The base game is a traditional line slot. Wins pay left to right across the 40 fixed lines, helped by wilds and stacked symbols. Payouts on regular symbols are modest, and the base game is mostly a route to the bonus. That is typical of the series, and it is why Relax later added base-game features in the sequels. For general reading on the format, see paylines.
The Money Cart bonus round explained
Three bonus symbols landing together start the Money Cart. The triggering symbols lock in place with cash values, and you get three respins. On each respin, only cash symbols, special character symbols or blanks can land. Any new symbol that lands sticks and resets the counter to three. The round ends when you run out of respins or fill the grid, and every value on screen is added up and paid. The idea is the same as a hold and win feature, with extra characters that move money around.
Symbol
What it does
Lasts
Bonus (cash)
Carries a cash value as a multiple of your stake
Sticks for the round
Collector
Adds up every value in view onto itself
Acts once when it lands
Payer
Adds its own value to every other symbol in view
Acts once when it lands
Persistent Collector
Collects all values again on every following respin
Every respin
Persistent Payer
Pays its value to all symbols on every following respin
Every respin
Persistent symbols are what make a bonus grow, because they keep acting while the respin counter keeps resetting. A cart with a persistent Payer and a persistent Collector can climb quickly; a cart without either often pays modestly. The ceiling is 20,000 times your stake.
Money Train RTP and what a session looks like
The published RTP is 96.2%, so the average long-run cost of £100 staked is about £3.80. Casinos may run lower versions, and the rules screen in your app shows the one in use; our RTP range page explains why that happens.
Expect a high-volatility pattern. A typical session is a stretch of small line wins and losses while you wait for the Money Cart, and the bonus itself can be anything from a small return to a large one. At 40p a spin, £40 gives 100 spins, and there is no guarantee the bonus appears in that time. At the top end, 20,000x of a 40p stake would be £8,000; most bonuses land far below that.
UK rules that affect Money Train
No bonus buy: in some countries Money Train offered a buy option, but it isn’t available in Great Britain.
Simple Money Cart rules that are easy to follow on a small screen
Four-row grid suits portrait play
Persistent symbols make each bonus feel different
96.2% published RTP
Drawbacks
Base game has little going on between bonuses
High volatility means long waits for the Money Cart
Lower ceiling than the sequels
Cash values can be small to read on compact phones
Where to play Money Train
Search for Money Train in any UKGC-licensed casino app; game libraries change, so check before depositing. The apps shown below publish clear offers. With Coral, new players who bet £10 on slots get 100 spins at 10p on selected games, accepted within 48 hours and valid for 7 days, with no wagering on winnings; 18+, terms apply. Browse more choices on our slots apps page.
No partner ties its welcome spins to Money Train. Coral and Ladbrokes credit no-wagering 10p spins on selected slots after a £10 slots stake, and PlayOJO’s 80 spins are on Big Bass Bonanza; 18+, terms apply.
Coral and Ladbrokes are both run by LC International Limited (Entain). If you already hold an account with one Entain brand, you may not be able to open a new account with another; check the terms before signing up.
Significant terms: 18+. New players only. Offer runs 01/10/2026 to 01/02/2027. Deposit (certain types excluded) and bet £10+ on slot games to get 100 free spins (selected games, £0.10 each, 48 hrs to accept, valid 7 days). No wagering on free spin winnings. Deposits by Neteller, PayPal, Paysafe, Skrill, prepaid cards and certain debit cards do not qualify. Restrictions and T&Cs apply. GamCare.org.uk
Read the Coral reviewLicence: LC International Limited, UKGC account 54743. Offer checked 5 October 2026.
Significant terms: 18+. New customers only, from 14/11/25 until further notice. Certain deposit methods excluded. Deposit and spend £10+ on slots for 50 free spins a day during the first 10 days after first deposit and registration (max 500, £0.10 each, selected games, claim before 23:59 each day, valid 7 days). No wagering. Prepaid cards, PayPal, Paysafe, Neteller, Skrill and Moneybookers deposits do not qualify. Restrictions and T&Cs apply. GamCare.org.uk
Read the Ladbrokes reviewLicence: LC International Limited, UKGC account 54743. Offer checked 5 October 2026.
Significant terms: 18+. New UK customers (excluding Northern Ireland). First deposit only. Minimum deposit £10. 80 free spins on Big Bass Bonanza, £0.10 each. No wagering requirements; winnings paid in cash. Cannot be used with any other offer. Only available to players who arrive through the designated offer link. Full T&Cs apply. GamCare.org.uk
Read the PlayOJO reviewLicence: Skill On Net Limited, UKGC account 39326. Offer checked 5 October 2026.
18+. Gambling should be entertainment that costs money, not a way to make it. Set a deposit limit before you play: how to set limits. Free, confidential help: National Gambling Helpline 0808 8020 133.
Frequently asked questions
Is there a Money Train app?
Not an official real-money one from Relax Gaming. The studio supplies the game to licensed casinos, which run it in their apps and mobile sites. In the UK, install a casino app from a UKGC-licensed operator via the App Store or Google Play, then search for Money Train in the lobby. Unofficial apps using the name are not the real game and may not be safe. See how to spot fake casino apps for warning signs.
How do you trigger the Money Cart bonus in Money Train?
You need three bonus symbols to land together on a base-game spin, as set out in the game’s rules screen. They lock in place with cash values, and you get three respins to land more cash or special symbols. Every new symbol resets the counter to three. In the UK the bonus can’t be bought, so normal play is the only way in. Our respin glossary entry explains how respin counters work in general.
What is the RTP of Money Train?
The published RTP is 96.2%, which works out at an average long-run cost of about £3.80 per £100 staked. That average comes from millions of spins, so your own sessions can be well above or below it. Some casinos use lower-RTP versions, so open the info screen in your app to see the figure that applies. Our guide to finding a slot’s RTP in an app shows where to look on iPhone and Android.
What does a persistent symbol do in Money Train?
A persistent symbol repeats its action on every respin for the rest of the Money Cart round, instead of acting once. A persistent Payer adds its value to all other symbols each respin, and a persistent Collector gathers all the values onto itself each respin. Because the counter resets whenever new symbols land, persistent symbols can keep building a bonus for a long time. They are the main reason some Money Cart rounds pay far more than others. See sticky wild for a related idea.
What is the maximum win on Money Train?
The top win is 20,000 times your stake, reached only through the Money Cart bonus. At 20p a spin, that would be £4,000; at £1, £20,000. The sequels raised the ceiling: Money Train 2 to 50,000x, Money Train 3 to 100,000x and Money Train 4 to 150,000x. Results anywhere near the cap are very rare, and most bonuses pay a small fraction of it. Our max win glossary entry explains how caps work.
Can I play Money Train on Android?
Yes. Money Train is an HTML5 game, so it runs in licensed casino apps from Google Play and in mobile browsers. Install the operator’s app from Google Play rather than from a downloaded APK, because Google lists only approved, licensed gambling apps in Great Britain. The game is not demanding, so most phones from the last few years handle it well. Our Android casino apps page covers installation and the main options.
Is Money Train better than Money Train 2?
It depends on what you want. The original has a simpler bonus with fewer characters and a 20,000x ceiling, which makes it easier to follow on a phone. Money Train 2 added a wild, a base-game respin feature and new characters such as the Sniper and Necromancer, with a 50,000x ceiling and a slightly higher published RTP of 96.40%. Neither changes the fact that losses are likely over time. Read our Money Train 2 guide to compare in detail.
Can I play Money Train for free on my phone?
Only in demo mode, and only after signing in to an age-verified account, which UK rules have required since May 2019. Demo credits can’t be withdrawn, but they are a useful way to see how the Money Cart plays before spending. Not every casino offers a demo of every game. If the option is missing or greyed out, our page on casino app demo mode verification explains the likely reasons.
Gambling can be addictive. Free, confidential help is available 24 hours a day from the National Gambling Helpline on 0808 8020 133. Get support from GamCare or NHS gambling support, or block yourself from all UK-licensed gambling sites with GAMSTOP.
This site contains adverts. We may earn commission when you sign up through our links. Advertiser disclosure.
We use no tracking cookies. We store one item in your browser to remember this notice. Casino sites may set their own cookies after you follow an advert link. Cookie policy
