Money Train

Money Train

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General Information

Money Train

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Money Train Review

Money Train is one of those pokies that changed the world of casino games and also helped to put its developer Relax Gaming on the map. The game introduced the Hold and Win mechanic, which is now used widely in many other pokies. 

For both new and old players, there’s plenty to learn here as we go back and revisit what made Money Train so popular in our review below. 

Money Train Pokie Game for NZ players
NZ players can win up to 20,000x their stake

Money Train review contents 

Each game we receive is reviewed in detail by our expert team. Here’s a quick look at all the contents of our Money Train review. 

  • Game symbols: We describe the symbols and how much they pay out. 
  • Min/max bet, autoplay option: What’s the lowest wager you can place up to the highest and is there autoplay? 
  • Payout rate: We explain if the RTP is a good value or not 
  • Volatility: Find out if wins are more frequent and the size of the payouts. 
  • Hit frequency: On average, how often can you expect a winning combination? 
  • Jackpot and/or maximum win: What’s the maximum win in the game? 
  • Wilds, re-spins, and other features: We look at the wild symbols, scatters, and other features. 
  • Bonus buy option: An explanation of the bonus buy process.  
  • Bonus game: We explain the bonus game (in this case, the hold and win mechanic).
  • Graphics & sound: Does the game have a good visual presentation? 

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Money Train symbols & payouts

Let’s begin our review of Money Train with the symbols, payouts, betting options, RTP and other related areas. 

The symbols

The symbols in Money Train closely match its Wild West setting. For the premium symbols, you’ll find an old gentleman with a white moustache, a Native American, a bandit dressed in green, and a bandit dressed in blue

Top three paying Money Train pokie game symbols for NZ players
The top three premium Money Train pokie game symbols.

Finally, the low paying symbols are wood carvings of the royals, including a red spade, brown heart, green club, and blue diamond.

Low paying Money Train pokie game symbols for NZ players
The top three low paying symbols (red spade, brown heart, and green club).


Money Train features 40 paylines which pay from the left. Only the highest win per payline is counted, but you can win off more than one line in a round. 

Min/max bet, autoplay option

The game lets players bet as little as $0.10, meaning anyone can give it a try. You can also wager up to a max of $50. There’s an autoplay and turbo option available too. 

Money Train RTP

Money Train’s RTP is 96.2%, which puts it above the general average for most pokies. It suggests this game should have a decent return. 


Money Train is a high volatility pokie. You shouldn’t expect to win too often, but wins should be sizeable on average. We expect most of the significant payouts will occur during the bonus round. 

Jackpot and/or maximum win

There’s no true jackpot in Money Train. With the Hold and Win feature, however, it’s possible to win big in the money cart bonus round, up to 20,000x your wager.

It’s possible to win big in Money Train but it could take some patience
Starting with the RTP of 96.2%, Money Train should offer an above-average return. The biggest payouts will undoubtedly take place in the bonus game. However, getting there can take some patience. 

Game features

Now, let’s move on to something a little more exciting. Stick with us as we cover each bonus feature, including the Hold and Win mechanic in Money Train. 

Wilds, re-spins, and other features

We’ll begin with the basic features, such as the wilds and re-spins. Afterwards, there’s a detailed look at the bonus game and how it works. 


The wild symbol is two crossed shotguns, with WILD written across them. A wild substitutes for other paying symbols where it can help create a winning payline.

Wild Symbol for Money Train Pokie Game for NZ players


To trigger the re-spins you need to land three bonus symbols which are safes. Initially, you only have three free spins, but the counter resets every time a special symbol lands. This unique mechanic is known as Hold and Win and we’ll discuss this more down below.


The free spins round is full of multipliers. In fact, every special symbol that lands (besides the tumbleweed) adds to your multiplier total. You can check your current multiplier level to the right of the reels.

Bonus buy

If you don’t want to wait around for the bonus game to trigger, you can choose to buy into it instead. However, it doesn’t come cheap. The bonus buy option costs a whopping 80x your bet. 

To make up for it, you’ll need to get your multiplier count up to 80x at least just to break even. However, everything past that will be a win. 

Hold and win

The Hold and Win feature was brought to the forefront in Money Train. Here, the bonus round is called the Money Cart Bonus. During this part of the game, there aren’t any paylines, winning combinations or anything like that. Instead, your goal is to get that multiplier total as high as possible

You only start with three spins, but it resets with every special symbol (the tumbleweed doesn’t do anything). You can see on the safe there is a certain multiplier. However, there are five other symbols with specialised functions:

  • Payer – The payer adds to the multiplier of each other symbol;
  • Collector – The collector takes the multiplier value of all other symbols on the reels and adds it to your total;
  •  Widener – The widener adds an extra row to the reels with a stick of dynamite, then it becomes a multiplier too;
  • Persistent Payer – The Persistent Payer adds to the value of all symbols on the reels and all other symbols that will later appear;
  • Persistent Collector – The Persistent Collector has the same function as the collector above, but it keeps collecting from all new symbols too.

Money Train graphics & sound

Below, we’ll talk a little more about the graphics and sound of Money Train. Overall, Relax Gaming did a wonderful job.

Optimised for Mobile👍 
MusicUpbeat banjo theme
Special featuresAnimations, explosions
Money Train is a fantastic looking pokie
From the opening with the train whistle and locomotive pulling into the station, you know Money Train is going to be a step above the rest. The background is a small town and there’s plenty of little details if you look around. The music and the sound effects, like gunshots, all add perfectly to the atmosphere.

Solutions if you have some issues

  1. If you find the game is playing slowly, it’s recommended to check your internet connection and refresh the page;
  2. If the game isn’t loading properly at the casino, it’s possible one of your extensions (like AdBlocker) could be interfering. 

Money Train still holds up

Money Train was met with great acclaim when it was first released and continues to be widely played. Despite the fact that there’s a sequel, the original still has a certain charm. Part of the reason the game was so fun is because of the new Hold and Win feature it helped to popularise.

The graphics, sound, bonuses, features and every aspect of the game are top notch. Relax Gaming certainly did an excellent job and that’s why Money Train gets a score of 90/100

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Money Train


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