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Last updated: July 2026
Money Train is Relax Gaming’s flagship slot franchise: eight core games released since 2019 — four mainline Money Train titles, four bonus-only Money Cart spin-offs — plus a jackpot edition, Money Train Origins Dream Drop. If you only need the headlines: the highest RTP sits in Money Cart 1 and 2 at 98% (default builds), the biggest max win is Money Train 4’s 150,000x, and the jackpot chase lives in Origins Dream Drop, where the Mega tier starts at £500,000. Relax has marketed Money Train 4 as the series finale, so the catalogue you see below is, in all likelihood, the complete set.
This is our hub for the whole franchise. Below: the full comparison table, the story of how the series evolved, how the famous bonus round changed game by game, which title fits which player, and where the series is actually live in 2026.
Every Money Train Game at a Glance
| Game | Release | RTP (default build)* | Max win | Grid | Signature mechanic |
|---|---|---|---|---|---|
| Money Train (original) | 2019 | 96.20% | 20,000x | 5×4, 40 ways | Money Cart bonus (Hold & Win) |
| Money Train 2 | 2020-09-02 | 96.40% | 50,000x | 5×4, 40 ways | Respins win multiplier, 11 modifiers |
| Money Cart Bonus Reels | Dec 2021 (sources conflict) | 98.00% | 2,000x | 5×4 → 7 reels | Bonus-only, no base game |
| Money Cart 2 | 2021-07-20 | 98.00% | 5,000x | 5×4 → 7 reels | Persistent specials, golden symbols |
| Money Train 3 | 2022-09-22 | 96.10% (96.50% buy) | 100,000x | 5×4, 40 lines | Persistent boosters |
| Money Cart 3 | 2023-04-12 | 96.00% | 10,000x | 5 reels → +2 | Unlockable reels |
| Money Train Origins Dream Drop | 2023-06-08 | 94.00% DD / 96.11% non-DD | 10,000x + jackpots | 5×4, 40 lines | 5-tier Dream Drop progressive |
| Money Train 4 | 2023-09-20 | 96.10% (96.50% buy) | 150,000x | 6 reels, Scatter Pays | 20+ features, Arms Dealer |
| Money Cart 4 | TBC (~2024–25) | Not published | 15,000x | Bonus Reels | Built for bonus-buy-restricted markets |
*RTP figures are the default builds published by Relax Gaming. Operators can run lower-RTP versions of the same game — always check the in-game info screen where you play.
Two patterns jump out of that table. First, the ceilings climb almost perfectly with time: every mainline release roughly doubled (or better) its predecessor’s cap, from 20,000x to 150,000x in four years. Second, RTP moves the opposite way as caps grow — the 98% era belongs exclusively to the first two Money Carts, and no later entry ever returned there. Keep both curves in mind; they explain nearly every recommendation on this page.
From Western Heist to Series Finale: The Story
2019. The original Money Train arrives — a western train-robbery slot on a 5×4, 40-ways grid with a then-outrageous 20,000x cap. Its real innovation isn’t the base game; it’s the Money Cart bonus, a Hold & Win round where value symbols and special modifiers do all the heavy lifting. That round becomes the franchise’s DNA.
2020. Money Train 2 lands on 2 September 2020 and turns a hit into a phenomenon. Relax adds a win multiplier that climbs during the respins and expands the modifier set to 11 special symbols — Payers, Collectors, Snipers and the fan-favorite Necromancer among them. The cap jumps to 50,000x, RTP ticks up to 96.40%.
2021. Rather than rush a third game, Relax does something cleverer: it cuts the base game away entirely. The Money Cart spin-offs are the bonus round sold as a standalone product, running at a remarkable 98% default RTP. Money Cart 2 releases in July 2021; the first Money Cart’s exact date is disputed between late 2021 and 2020 in our sources. The same year, Relax signs a full distribution deal with VAVADA (March 2021) with Money Train 2 as a headline title — more on that below.
2022. Money Train 3 swaps the frontier for a sci-fi/steampunk setting on 22 September 2022. Persistent boosters — specials that stay on the grid and fire every respin — redefine the bonus, and the ceiling doubles to 100,000x.
2023. The busiest year in franchise history: Money Cart 3 in April, the jackpot-driven Origins Dream Drop in June, and on 20 September the six-reel finale, Money Train 4 — a Scatter Pays monster with 20+ features and a 150,000x max win. Relax has explicitly marketed it as the last stop of the main line.
After the finale. Money Cart 4 closes out the spin-off line with a 15,000x cap and a design aimed at markets where bonus buys are restricted, such as the UK. Its RTP and exact release date aren’t published in our sources yet — we flag that honestly in the Money Cart 4 review.
How the Bonus Round Evolved
The bonus round is the reason this series exists, and each generation added one big idea:
- Money Train (2019): the blueprint. Three bonus symbols trigger a respins round on a separate reel set. Every symbol carries a coin value; each new landing resets the respin counter. Special symbols — the Payer, Collector and Sniper archetypes the series became famous for — manipulate those values.
- Money Train 2 (2020): the multiplier era. A win multiplier grows as the round progresses, and the special-symbol roster explodes to 11 modifiers, including the Necromancer, which resurrects used specials and fires them again.
- Money Cart 1–2 (2021): the bonus round becomes the whole game. No base spins to sit through — you’re chasing the trigger directly, with the grid expanding from 5×4 up to 7 reels. Money Cart 2 adds persistent Payers, Collectors and Snipers plus golden symbols worth 20–200 coins, with a +500 coin reward for filling the entire grid.
- Money Train 3 (2022): persistence goes mainline. Boosters lock in place and repeat their effect on every respin, which is why MT3 rounds can snowball to 100,000x.
- Money Train 4 (2023): everything, everywhere. Six reels, Scatter Pays instead of fixed ways, and a feature list past twenty entries — Upgrader, Unlocker, Reset, and the new Arms Dealer, which hands abilities to other symbols.
- Money Cart 3–4 (2023–): the spin-offs inherit it all — unlockable extra reels in MC3, the MT4 feature set in MC4 — at spin-off stakes.
Money Train 2 vs 3 vs 4: The Big Three Compared
It’s the most-asked question in the franchise, so here’s the short version.
Money Train 2 is the value pick. At 96.40% it holds the best default RTP of the mainline games, and its 11-modifier bonus is arguably the purest expression of the concept — every special symbol earns its slot, nothing feels like filler. The 50,000x cap is the “smallest” of the three, which in practice means the math is a touch less top-heavy.
Money Train 3 is the middle path. RTP slips to 96.10% (96.50% if you use the bonus buy where it’s allowed), but persistent boosters change how rounds feel: instead of one-off zaps, you’re building an engine that fires every respin. The 100,000x ceiling is the trade-off — more of the game’s value is concentrated in rare monster rounds.
Money Train 4 is maximalism. Six reels, Scatter Pays, more than twenty features and a 150,000x cap. It’s the most spectacular and the most complex — brilliant if you know the series, potentially overwhelming if you don’t. Same 96.10% default RTP as MT3.
Our take: start with MT2, graduate to MT4. Detailed head-to-heads live in each game’s review, linked throughout this page.
Which Money Train Should You Play?
Different builds serve different goals. Honest guide:
- Highest RTP: the original Money Cart and its 5,000x sequel, both 98.00% (default builds) — among the highest-RTP real-money slots anywhere, not just in this series. Note this does not extend to Money Cart 3 (96.00%) or Money Cart 4 (RTP unpublished).
- Biggest max win: Money Train 4 — 150,000x your bet, the franchise record. Money Train 3’s 100,000x is the runner-up.
- Jackpot hunting: Origins Dream Drop is the only entry with a progressive — five tiers from Rapid (£1) to Mega (£500,000+).
- First-timer / purist: the original Money Train. Simplest ruleset, the cleanest look at the Hold & Win core, 96.20% RTP.
- Best all-rounder: Money Train 2 still gets our vote — the highest mainline default RTP (96.40%) and the moment the modifier system clicked.
- Modern balance: Money Train 3, if you want persistence and a six-figure ceiling without MT4’s feature overload.
A word of caution that applies to the whole family: these are extremely volatile games by design. Max-win ceilings like 150,000x mean most sessions end well short of the fireworks. Nothing here is a strategy for winning — RTP and volatility describe long-run math, not your next session. Our RTP and volatility guide covers how to read these numbers properly.
Where to Play Money Train Slots in 2026
Not every casino carries Relax Gaming, so this matters more than usual.
VAVADA is our primary pick, for a concrete reason: it has run the full Relax Gaming portfolio under an official distribution deal since March 2021 — the launch announcement named Money Train 2 as a headline title. The bonus fit is hard to ignore too: new players get 100 free spins (no deposit) plus a 100% welcome match up to $1,000, which pairs naturally with a series built around money symbols. Add a $1 minimum deposit, crypto and card payments, and withdrawals typically inside 24 hours. Full details in our VAVADA review and the welcome bonus breakdown.
Housebets is the secondary option — a 2023-vintage crypto casino, also a confirmed Relax Gaming carrier, with a 150% first-deposit match up to $1,000. Better fit if you play in crypto first. See the Housebets review.
Bonus terms change; confirm the current offer on the casino’s site before depositing. For more games in this niche beyond the franchise, our money-themed slots roundup is the next stop.
FAQ
How many Money Train games are there?
Eight core titles: Money Train 1–4 and the bonus-only Money Cart 1–4. Money Train Origins Dream Drop, a jackpot edition from 2023, brings the extended family to nine.
Which Money Train game has the highest RTP?
Money Cart Bonus Reels and Money Cart 2, both at 98.00% in their default builds. Among the mainline games, Money Train 2 leads at 96.40%. Remember that operators can deploy lower-RTP versions — check the info screen in your lobby.
Which Money Train slot has the biggest max win?
Money Train 4, at 150,000x the bet — one of the largest caps in the industry. The original’s 20,000x looks modest now, but it was headline material in 2019.
Is there a Money Train jackpot slot?
Yes — Money Train Origins Dream Drop carries Relax Gaming’s five-tier Dream Drop progressive, with the Mega jackpot seeded at £500,000.
Will there be a Money Train 5?
Nothing in our sources suggests it. Relax Gaming has explicitly positioned Money Train 4 as the series finale — “the final destination” — and shifted late-series output to the Money Cart line instead.
Where can I play the Money Train series?
Any casino running Relax Gaming. We recommend VAVADA first (official Relax distribution partner since 2021, 100 free spins plus up to $1,000 welcome) and Housebets for crypto players. Availability of individual titles can vary by market, so scan the lobby before you commit.
Play Responsibly
Money Train slots are high-volatility entertainment, not an income source. Set a budget before you spin, treat every session as paid entertainment, and stop when it stops being fun. If gambling is causing you problems, free confidential help is available at BeGambleAware, GamCare, Gambling Therapy.