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Money Train Symbols

Symbol set of Money Train

The base game grid of Money Train uses a 5x4 reel layout with exactly 40 fixed paylines. This configuration allows winning combinations to form across horizontal and diagonal paths on the five reels. Players place bets ranging from 0.10 € to 50 € per spin to activate these lines for potential payouts.
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 designed this specific slot structure to support high volatility gameplay mechanics effectively. The fixed line count ensures that every bet covers all possible winning paths simultaneously without variable selection. Consequently, players know the exact number of opportunities for symbol matches on each individual spin cycle.
In contrast to modern titles like Money Train 4 which use a 6x6 layout, this 2019 release maintains a classic width. The narrower grid influences how frequently scatter symbols appear compared to wider formats in the same series. This structural difference affects the frequency of bonus triggers during extended playing sessions over time.
Money Train game screen
Symbol layout and paytable of Money Train

High-paying symbols

High-paying icons include the Sheriff, the Bandit, and the Gunslinger depicted in detailed Western artwork. These character symbols offer the highest base game multipliers when appearing in complete five-of-a-kind combinations. They serve as the primary source of regular income between rare bonus round activations for players.
The theoretical return to player rate stands at 96.20% over a very long run of spins. This percentage implies a house edge of 3.80% which is deducted from total wagers over time. Such RTP figures are standard for high-volatility slots released by Relax Gaming in recent years.
Unlike Money Train 4 where the max win reaches 150,000x, this version caps at 20,000x maximum win potential. The lower cap reflects the simpler 5x4 grid structure lacking the extra rows found in newer sequels. Players seeking higher variance must accept this specific limit when engaging with the core gameplay loop.

Low-paying symbols

Low-paying symbols consist of the standard card ranks A, K, Q, J, and 10 in thematic colors. These icons trigger wins only when forming groups of three, four, or five on active paylines. They provide frequent but small payouts that help sustain bankroll during dry spells in the base game.
The contribution of these low-value cards towards the overall 96.20% RTP is minimal due to their low multipliers. Their primary function is to fill empty spaces on the 5x4 grid rather than generate significant profit. This design choice increases the perceived volatility by reducing the frequency of medium-sized wins significantly.
Betting limits start at 0.10 €, allowing players to wager on these low-value combinations cost-effectively. With 40 fixed lines, even small bets cover numerous potential winning paths across the entire reel set. This accessibility makes the game suitable for casual play while maintaining the high-risk profile defined by the developer.

Wild symbol behaviour

The Wild symbol substitutes for all regular paying symbols to complete winning combinations on the 40 fixed lines. It does not replace the Scatter symbol which is required to trigger the main bonus feature directly. This substitution rule applies strictly within the base game phase before any special rounds commence for players.
In the Money Cart Bonus round, Wilds expand to cover entire reels and apply multipliers to wins. These expanding wilds can stack on top of each other to create massive payout combinations easily. The multiplier values increase with each consecutive wild appearance, drastically boosting the potential session winnings significantly.
Compared to Money Train 4 which features more complex wild mechanics in its 6x6 layout, this version offers straightforward expansion rules. The simplicity ensures that players can quickly understand how wilds contribute to the 20,000x max win cap. This clarity helps manage expectations regarding the frequency and size of potential bonus round payouts.

Scatter symbol behaviour

The Scatter symbol pays regardless of its position on the reels and does not need to be on a payline. Landing three or more Scatters anywhere on the 5x4 grid triggers the Money Cart Bonus round immediately. This feature bypasses the base game entirely, offering players a chance to hit larger multipliers directly.
The Buy Feature option allows players to purchase direct entry into the Money Cart Bonus for a fee. This mechanism skips the random trigger requirement, appealing to those who prefer guaranteed access to high-volatility content. The cost varies based on current casino settings but always provides immediate access to the bonus stage.
While Money Train 4 retains similar scatter logic, its 6x6 grid alters the probability of landing triggering symbols. The original 5x4 layout here presents a different statistical landscape for scatter appearances compared to the sequel. Players should note that scatter payouts in the base game are separate from the bonus round earnings.
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

Relax Gaming structures the Money Train paytable around a 5x4 reel layout with 40 fixed lines, establishing the foundational geometry for all payouts. This specific configuration means that wins require matching symbols on adjacent reels from left to right, rather than any position. Players must understand this rigid structure to interpret symbol values correctly across the various tiers of the game's hierarchy.
The maximum win potential is capped at 20000x the stake, which defines the upper limit of any single session or bonus trigger. This theoretical ceiling contrasts sharply with lower volatility titles, emphasizing the high-risk nature inherent in Relax Gaming's design philosophy for this title. Such a cap ensures that even massive multipliers remain within predictable mathematical bounds for both the operator and the player.
Bet sizes range from 0.10 to 50, allowing players to calibrate their risk exposure against the high volatility of the slot. A higher bet increases the absolute value of each line win, but does not alter the underlying probability of hitting the Money Cart Bonus. Understanding this relationship helps players manage their bankroll more effectively during extended play sessions on this specific Relax Gaming release.

Special symbols in the bonus

The Money Cart Bonus round introduces expanding wilds that cover entire reels during the feature sequence, significantly altering the payout structure for high-volatility sessions. These special symbols multiply wins by up to 100x when they land alongside premium icons, directly impacting the maximum win potential of 20000x offered by Relax Gaming. Players must trigger this specific mode to access these multipliers, as standard base game spins do not utilize the expanding wild mechanic or its associated value boosts.
Expanding wilds act as substitutes for all regular paying symbols within the bonus round, ensuring that any adjacent matching combination on a payline generates a payout based on the highest available multiplier. This mechanism increases the hit frequency effectively, allowing players to secure significant returns even with fewer initial symbol matches compared to standard 40 fixed lines gameplay. The presence of these wilds is critical for reaching the upper limits of the theoretical return over very long runs.
Unlike Book of Dead which uses static expanding symbols, the wilds in Money Train accumulate multipliers across consecutive spins within the same feature. This accumulation process means that later spins in the bonus round often yield higher payouts than earlier ones, provided the wilds remain active on the grid. Such dynamic behavior distinguishes this title from other high-volatility slots that rely on random multiplier applications without progressive scaling during the free spin phase.

Symbol upgrades and collections

Premium symbols in the base game include high-value card ranks and themed icons that pay out along the 40 fixed lines when forming valid combinations from left to right. These symbols do not upgrade automatically but serve as the foundation for triggering the Money Cart Bonus round through scatter appearances anywhere on the five-reel layout. Understanding their individual values is essential for calculating expected returns before entering the more complex bonus mechanics introduced by Relax Gaming.
The scatter symbol pays regardless of its position on the reels, meaning it does not need to align on an active payline to generate a win or trigger the feature. This independence from paylines allows the scatter to appear in any of the twenty positions across the 5x4 grid, increasing the probability of initiating the bonus round compared to games requiring strict line alignments. Such design choices enhance the overall volatility profile by decoupling feature triggers from standard winning patterns.
Book of Dead relies on a single expanding symbol per free spin, whereas Money Train utilizes a collection of accumulating multipliers attached to wilds during its bonus feature. This difference means that Money Train offers potentially higher cumulative payouts if multiple wilds land with high multiplier values, contrasting with the simpler expansion mechanic found in Play'n GO titles. The absence of symbol upgrading in the base game keeps the focus on the bonus round's unique multiplier system rather than progressive base game enhancements.

Grid layout and symbol positions

The game operates on a standard 5x4 reel layout, providing twenty visible positions where symbols can land during each spin cycle. This configuration supports the 40 fixed paylines, ensuring that every bet covers all possible winning combinations across the width of the grid. The expanded vertical space compared to traditional 3-row slots increases the density of potential winning lines, affecting both hit frequency and max win calculations.
Each of the four rows contains five reels, creating a total of twenty symbol positions that determine the outcome of every spin. This layout allows for more complex symbol interactions, particularly during the Money Cart Bonus round where expanding wilds can occupy entire columns across all four rows simultaneously. The consistent grid structure ensures that visual feedback remains clear while maintaining the high-volatility nature inherent to Relax Gaming’s design philosophy for this title.
Unlike many modern slots that vary the reel height dynamically, Money Train maintains a static 5x4 grid throughout both base play and bonus features. This consistency simplifies the calculation of potential wins per spin, as players can always reference the same number of positions and paylines. The fixed structure also means that the RTP of 96.20% applies uniformly across all spin outcomes without adjustments for varying grid dimensions or hidden reel strips.

Frequency of premium symbols

High-value symbols appear with a frequency determined by the game’s high volatility setting, meaning they land less often than low-paying card symbols. This rarity is balanced by the substantial payouts associated with these icons, particularly when they form part of larger combinations on the 40 fixed paylines. Players should expect longer dry spells between premium symbol hits due to the deliberate pacing designed into the Relax Gaming engine.
The theoretical return of 96.20% suggests that over hundreds of thousands of spins, the average payout aligns with this percentage despite the irregular distribution of premium symbols. High volatility ensures that wins are clustered around bonus triggers rather than distributed evenly across base game spins, impacting the perceived frequency of valuable outcomes. This statistical reality requires players to manage their bankroll carefully, as extended periods without premium symbol appearances are mathematically probable.
Book of Dead exhibits similar high volatility characteristics, yet its premium symbol frequency is tied to the expanding feature in free spins rather than base game clustering. Money Train concentrates its premium symbol value within the Money Cart Bonus round, where expanding wilds and multipliers amplify the impact of each hit. This strategic placement of high-frequency value events contrasts with games that distribute premium symbols more evenly across the base game grid.

Paytable details worth checking

The maximum win cap stands at 20000x the total bet, representing the absolute ceiling for any single session or bonus feature completion. With a bet range spanning from 0.10 to 50, the highest possible payout reaches 1,000,000 units of currency, assuming the maximum multiplier and win conditions are met. This cap applies universally regardless of the RTP configuration selected, ensuring a predictable upper limit for player returns during intense gameplay sessions.
RTP figures vary depending on the specific version played, with the standard configuration offering 96.20% and alternative versions reaching up to 98% when the Money Cart bonus is purchased directly. This variation impacts the house edge, which shifts from 3.80% in the base mode to lower percentages in higher-RTP configurations. Players must verify which version is active, as the theoretical return directly influences long-term expected losses relative to the amount wagered over time.
Buy Feature options allow direct access to the Money Cart Bonus round, bypassing the base game entirely but altering the effective RTP and volatility profile. This mechanic provides immediate engagement with the high-multiplier potential of expanding wilds, appealing to players seeking rapid feature activation. However, the cost of purchasing the bonus must be weighed against the natural trigger rate, considering the 40 fixed lines and 5x4 grid dynamics that govern standard spin outcomes.
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