Slots Like Money Train: The Climb From 20,000x to 150,000x
Money Train is the franchise that turned max-win numbers into an arms race: Relax Gaming’s western heist series climbed from 20,000x to 150,000x in four instalments and invented the Money Cart bonus half the industry now imitates. If you’re after slots like Money Train, this guide compares every official game: Money Train, 2, 3, 4, the prequel Origins Dream Drop and the Money Cart spin-off line.
Where to Play Money Train Slots
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Reviewed by Brian TaylorPublished: August 2026
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On this page: The family at a glance · Every game reviewed · Full family tree · The original: quick facts · RTP & the maths · History · Beyond the reels · What players say · Biggest wins · Which game? · FAQs · Series vs series
Every Money Train slot at a glance
All Relax Gaming, all built around one idea, a respin bonus where symbols are characters with jobs, and each sequel roughly doubles the ceiling of the last. Published figures checked 3 July 2026:
| Game | Year | RTP | Max win | What each added |
|---|---|---|---|---|
| Money Train | 2019 | 96.20% | 20,000x | The Money Cart bonus itself |
| Money Train 2 | 2020 | 96.40% | 50,000x | Persistent symbols, the series’ masterstroke |
| Money Train 3 | 2022 | 96.10% | 100,000x | Guaranteed bonus entry value, refined pacing |
| Money Train 4 | 2023 | 96.10%* | 150,000x | Six reels, expanded character roster |
| Origins Dream Drop | 2023 | ~94% | 10,000x | The prequel, carrying Relax’s progressive jackpot |
*Money Train 4’s bonus buy runs at a higher published 96.50%. All mainline games are extremely volatile; these ceilings are paid for in variance. Origins’ lower RTP funds the Dream Drop pot.
The family: one heist, escalating stakes.
Every Money Train game, reviewed
1. Money Train (the original)
The 2019 original looks quaint now, a 20,000x cap, imagine, but its Money Cart bonus was a genuine invention: a respin grid where every landed symbol is a character with a job. Collectors gather values, Payers boost them, and the interactions between roles turn each bonus into a small machine you watch assemble itself. A 96.20% published RTP and a dusty steampunk western wrapper completed one of the most influential slots of its decade.
Where it started: the 2019 original’s bandit flags down the train.
2. Money Train 2
The 2020 sequel is the fan favourite and arguably still the best pure design in the series. Persistent symbols changed everything: Collectors and Payers that stay on the grid and fire every respin turn the Money Cart from a lottery into an engine you pray keeps building. The top prize jumped to 50,000x, the published RTP rose to a family-best 96.40%, and for a while this was the most talked-about slot in the world.
The Money Cart mid-build: persistent collectors stacking a x19,454 total.
3. Money Train 3
2022’s third stop doubled the maximum again to 100,000x and polished the formula rather than reinventing it: a guaranteed minimum bonus value took some sting out of dead features, and the character roster grew. The published RTP eased to 96.10%. It’s the sensible pick between the sequel’s purity and the fourth game’s excess.
Money Train 3: the base game waits for the bonus that matters.
4. Money Train 4
The 2023 finale (so far) goes to six reels, a 150,000x ceiling and a full cast of new roles, shapeshifters, upgraders, resetters, layered onto the persistent system. It’s the most complex Money Cart by far, at 96.10% published (96.50% on the buy). Maximalist, borderline baroque, and the biggest advertised ceiling in mainstream UK lobbies.
Money Train 4: six reels wide, 150,000x advertised on the tin.
5. Money Train Origins Dream Drop
The 2023 prequel winds the clock back to a wooden-carriage Old West and bolts on Relax’s Dream Drop progressive: five jackpot tiers topped by a seven-figure pot. The trade is steep: roughly 94% published RTP and a 10,000x cap, modest by family standards. You play Origins for the jackpot ticket, not the ceiling.
Origins: the Money Cart in its frontier-era carriage.
Close cousins outside the family
The direct descendants are Relax’s own Money Cart games, and within the same studio’s catalogue the Tumble family shows a completely different mechanic getting the same reskin-factory treatment, the bonus round sold separately (see the family tree below). Beyond the studio, Hacksaw’s Wanted Dead or a Wild is the great rival western built on the same brutal volatility, Quickspin’s Sticky Bandits saga robs the same railway line with politer 96% maths, and every “hold-and-win with character symbols” released since 2020 owes this family rent. Among our other guides, only Big Bass Bonanza matches it for sequel velocity, though the fisherman chases retention where the train chases headlines.
The complete family tree
| Game | In one line |
|---|---|
| Money Cart 2 (2021) | The MT2 bonus round as a standalone game |
| Money Cart 3 (2022) | The refined bonus, again sold on its own |
| Money Cart 4 (2024) | The six-reel cart, solo edition |
| Money Train Origins (Dream Drop) | The prequel with the progressive attached |
| Money Train 2/3/4 bonus buys | Direct feature entry at a higher published RTP |
Checked 3 July 2026. The Money Cart line is UK-available where operators stock Relax’s bonus-only format; some restrict it, so lobbies vary.
The original: quick facts
| Money Train Slot Info | |
|---|---|
| Provider: | Relax Gaming |
| First released: | 2019 |
| Layout: | 5 reels × 4 rows |
| RTP: | 96.20% |
| Volatility: | Very high |
| Signature feature: | The Money Cart: a respin bonus where symbols have jobs: Collectors, Payers and friends |
✓ Facts checked 3 July 2026
The maths: ceilings cost variance
The family’s published RTPs are honest, 96.10% to 96.40% for the mainline, but the shape of the payback is the point: an enormous share of it sits inside a bonus most sessions never see. Expected average cost per 100 spins on Money Train 2 (3.60% house edge):
| Stake | 100 spins staked | Expected average cost (3.60%) |
|---|---|---|
| 10p | £10 | £0.36 |
| £1 | £100 | £3.60 |
| £5 | £500 | £18.00 |
✓ Calculated from the published 96.40% RTP, checked 3 July 2026
Those averages hide the swings: this is the most volatile family we cover, and sessions routinely run far below the average before (or without) a bonus. Budget for the drought and treat the ceiling as folklore; tools on our Responsible Gambling page.
History and legacy
Relax Gaming released Money Train in 2019 as a mid-size studio’s big swing, and the swing connected. Money Train 2 arrived in 2020 with persistent symbols and became a genuine phenomenon, the game every streamer opened and every rival studio dissected. The sequels turned the max-win figure into the series’ marketing headline (50,000x, 100,000x, 150,000x), the Money Cart spin-offs sold the bonus round à la carte, and Origins hitched the brand to the Dream Drop progressive network. Four instalments in, it remains Relax’s flagship, with the loudest max-win marketing in mainstream UK lobbies.
Why this family still matters
Because the Money Cart is one of the few genuinely new ideas slots have produced this decade: a bonus with an economy inside it, where symbols interact instead of merely paying. The persistent-symbol concept from MT2 has been borrowed by dozens of games since, and the max-win arms race the series started changed how the whole industry advertises. Whatever you think of 150,000x as a design goal, this is the family that made it the language.
Beyond the reels
Money Train’s cultural footprint runs through streaming. MT2 arrived just as slot streaming exploded in 2020 and became its defining game: the bonus everyone opened, the max-win clips everyone shared. Relax leaned in, selling the bonus round outright as the Money Cart series and wiring the brand to its Dream Drop jackpot network. No family owes more of its fame to YouTube and Twitch.
What players say
Among high-volatility players this is the reference family: MT2 is routinely voted among the best slots ever made, praised for the persistent-symbol engine and forgiven its brutal base game. The community splits on the sequels: MT3’s guaranteed bonus floor won respect, MT4’s complexity divides, and everyone agrees the original now feels like a demo.
The biggest Money Train wins
This family’s maximum wins are genuinely historic: MT2’s 50,000x cap was actually reached, an industry first at that scale, and each sequel’s ceiling has since been hit on record. This clip documents one of those max-win moments:
Streamer footage of a documented max win, a once in millions outcome, shown here as history not expectation.
The best Money Train game to play first
| If you want… | Play | Why |
|---|---|---|
| The best design and maths | Money Train 2 | Persistent symbols at 96.40%, the series’ peak |
| The balanced modern pick | Money Train 3 | 100,000x with a guaranteed bonus floor |
| The maximum everything | Money Train 4 | Six reels, 150,000x, deepest role system |
| A progressive shot | Origins Dream Drop | Five jackpot tiers over the prequel |
| Just the good part | Money Cart 3 | The bonus round without the base game |
Slots like Money Train from other studios
Every slot family has its own crowd, and Money Train’s isn’t the only one worth knowing about. Here’s how it compares with Mega Moolah, Action Bank and Divine Fortune, useful context if you’re not yet sold on The Money Cart specifically.
| Series | Choose them if… | Choose Money Train if… |
|---|---|---|
| Mega Moolah (Microgaming (now Games Global)) | You’re drawn to Microgaming’s approach: a random in-play trigger for one of four progressive jackpots | You want very high volatility and Relax Gaming’s The Money Cart |
| Action Bank (Barcrest, now part of Light & Wonder) | A medium-volatility session built around The Big Bank Bonus appeals more | You’d rather have very high volatility, built around The Money Cart |
| Divine Fortune (NetEnt (now Evolution)) | A medium-volatility session built around Falling Wilds respins appeals more | A very high-volatility session centred on The Money Cart suits you better |
This isn’t really a ranking, just a map of what’s out there, and on that map, Money Train occupies the space defined by The Money Cart.
Our verdict on Money Train 2
SlotsLike score: 9/10. We’re scoring the sequel, the family’s definitive game and one of the best slots of its generation.
| Features: | 10/10: the persistent Money Cart is modern slot design’s high-water mark |
| Win potential: | 9/10: 50,000x that occasionally, famously, pays |
| Design: | 8/10: grimy dieselpunk western with real atmosphere |
| Playability: | 7/10: brutal variance; the base game exists to be endured |
Board it if you want the bonus round every slot since 2020 has been trying to copy. Stay on the platform if long bonusless stretches ruin a session for you, this family shows no mercy, and our steadier families (the fisherman, the genie) will treat you kinder.
Money Train FAQs
How many Money Train games are there?
Five: Money Train (2019), 2 (2020), 3 (2022), 4 (2023) and Origins Dream Drop (2023), plus the standalone Money Cart bonus games.
Who makes Money Train?
Relax Gaming, the Malta-based studio for whom the series is the flagship franchise.
What is the RTP of the Money Train slots?
96.20% (original), 96.40% (MT2), 96.10% (MT3 and MT4), with MT4’s bonus buy at 96.50%. Origins Dream Drop runs around 94% to fund its progressive.
Which Money Train has the biggest max win?
Money Train 4 at 150,000x total stake, the largest advertised maximum in mainstream UK slots. MT3 caps at 100,000x, MT2 at 50,000x.
What is the Money Cart bonus?
The series’ respin feature: symbols are characters with jobs: Collectors gather values, Payers boost them, persistent versions repeat every respin, and the interactions build the win.
What are the Money Cart games?
Standalone releases (Money Cart 2, 3 and 4) that sell the bonus round as the whole game, skipping the base reels entirely.
Is there a progressive jackpot Money Train?
Yes, Money Train Origins carries Relax’s Dream Drop network: five tiers, with the top pot reaching seven figures.
Are Money Train slots fair?
Yes, Relax Gaming is licensed by the UK Gambling Commission with independently certified RNGs.
Sources & Verification
Primary sources checked 9 July 2026: Relax Gaming’s own corporate site; and the UK Gambling Commission’s public register (Relax Gaming Limited, account 37462).