money train pokie screenshot
money train logo

Money Train Online Pokie

  • 4,7 / 5

Lisa Cheban  |  September 06, 2023  | Updated on: September 15,  2023

Released in 2019, Money Train is a pokie machine from renowned Australian online pokies developer Aristocrat. Inspired by the wild adventures of old Western train heists, Money Train takes you on a rollicking rail journey as a bandit trying to rob a locomotive loaded with cash and gold.

With animated steam trains chugging across the five reels, dramatic Wild West music setting the tone, and the potential to uncover free spins, instant prizes and three epic “Grand Jackpots” – Money Train is brimming with features to fire up your inner outlaw.  

Boasting vivid graphics and smooth, responsive gameplay, I found Money Train easy to dive into, whether playing on my desktop or mobile. As a medium volatility game, it regularly delivers smaller wins while offering the chance for over 15,000x your stake if you crack all three Grand Jackpots.

Money train Overview

Theme Wild West / Train Heists
Reels/Paylines 5×3 / 25 paylines 
RTP 96%
Volatility Medium
Jackpots Mini, Major, Grand

How to Play Money Train Pokies

money train pokie screenshot

As an experienced player trying Money Train for the first time, I had no trouble getting the hang of gameplay within a few spins. 

The visuals clearly showcase the five reels, three rows, and 25 fixed paylines. The aim is to land matching symbols across active paylines to win prizes. Icons include classic card suit symbols, gold bars, cash bundles and, of course, the titular Money Train, which pays the most. 

Bet sizes start from just $0.25 up to $250 per spin. I set my bet and clicked spin to watch the steam engines whiz across the tracks, hoping to halt perfectly aligned. Any winning lines light up along with my payout. 

Here’s a quick 6-step overview I’d give to any beginner:


  1. Select your total bet using the “+” and “-” buttons
  2. Lines are permanently set at 25 
  3. Click spin to set the trains in motion and stop the reels
  4. Match 3, 4 or 5 symbols left to right on a payline 
  5. Land dynamite symbols to trigger explosives bonus 
  6. Match bonus symbols for the chance to win jackpots

With its classic slots format, Wild West narrative and intuitive design, Money Train captures the thrilling push-your-luck spirit of train heist adventures. I was on board within minutes.

RTP and Variance in Money Train Pokies

Money Train holds an RTP (Return to Player) of 96% – around average for online slots. This means over an extended period of play, the game is mathematically designed to pay out $96 for every $100 wagered. 

In terms of variance, Money Train falls into the medium volatility bracket. Medium variance pokies aim to balance risk and reward for players. You can expect to encounter fewer but bigger wins less often rather than a constant stream of tiny payouts. 

So, while you may experience dry spells in shorter sessions, occasional big hits help make up for this. Over time, the wins and losses should even out thanks to its 96% RTP algorithm.

Nailing bonus features like free spins and the epic Grand Jackpots can bring a tremendous upside, too. So, despite periods of inactivity, the next big payout often feels just around the corner with Money Train.

For recreational players like myself, medium-level volatility poses a reasonable risk while still serving up solid winning potential if your timing hits. Just be sure to set a gambling limit and manage your bankroll wisely across all play sessions.

With volatility risk that feels justified by the frequent success of bonus rounds and 15,000x top jackpot prizes, Money Train makes playing highway bandit feel both lucrative and safe.

Betting Options, Symbols and Payouts

money train pokie pay table

A key reason I was drawn to Money Train was the flexibility for players of all budgets, with bets ranging from a penny up to $250 per spin across its 25 lines. 

Higher value symbols include classic playing card icons styled with an Old West twist alongside gold bars, money bags and gleaming gemstones. The eponymous Money Train engine is the most valuable main symbol, awarding 500x your line stake for five matches. 

Land dynamite scatter symbols to trigger explosive features like free spins, cash prizes and extra wilds. Match three or more adjacent symbols left to right on enabled paylines to win based on your current bet and the symbol value.

With flexible betting, a 96% RTP delivering frequent success, and highly lucrative main game icons plus explosive bonus triggers, Money Train rewards bandits both sly and bold alike. Just be ready to dodge the sheriff as the payouts keep mounting!

Practice good bankroll management, raise or lower stakes to suit your style, and ultimately, Money Train can be a fun and profitable ride for any player.


While the core gameplay delivers consistent cowboy thrills, Money Train’s selection of lucrative bonus features really up the ante.

When playing, various mini-features can strike randomly, like extra wilds added to reels or instant cash prizes. But stay alert for dynamite scatter symbols that trigger one of two explosive bonus games – where your outlaw payouts can truly derail! 

The first is the Free Spins bonus, where landing scatters awards eight to 15 free games with all picture symbols paying left and right. With winning potential doubled and no cost per spin, this round frequently pays 20-50x your total stake or more.

The second is Money Cart, where you click dynamite icons to reveal instant cash prizes, extra free games, or one of the three jackpots: Mini, Major or epic 15,000x Grand Jackpot.

Between the excitement of runaway trains and bags of loot, Money Train’s volatile bonus games offer tremendous winning potential while keeping that desperado thrill ride feeling front and centre. Just be ready to make your getaway when those dynamite scatters blast off.

Money Cart Bonus

To start the fun Money Cart Bonus round, you must land three bonus scatter symbols anywhere on the reels. When you do, it takes you to a separate screen with new symbols, bringing six cool modifiers into play. 

First off, you get three free spins to start. Those Bonus Scatters that brought you here become multipliers, beginning at 1x but going up whenever you hit a modifier.  You’ll see a lot of tumbleweeds on the reels; they don’t pay anything; they just tumble on by. But when you hit a new modifier, you get three more free spins. So you can keep the party going for a while.

Land a Money Safe, and it reveals a bet multiplier. The Payer symbol also reveals a multiplier and adds it to all the other symbols. And the Persistent Payer keeps that multiplier going over multiple spins!

The Widener gives you a multiplier, too, plus adds another reel to provide you with more chances to win. And the Collector awards a multiplier and gathers all the other visible values on the reels, adding them to its value. The Persistent Collector keeps gathering up those values on every remaining spin. With all those multipliers bouncing around, the Money Cart Bonus can lead to gigantic cash prizes. It’s a blast.

If you don’t trigger it during regular play, you can buy it for 80x your bet. The game’s RTP jumps to 98% for that price- worth it.

Wild Symbol

One of the best parts of playing Money Train online pokies is the awesome Wild symbol. This little locomotive chugs across the reels, substituting for other symbols to help you form more winning combos. 

When the Wild lands, it creates a reaction – the reels shake, and the light on the front flashes green or red. I love it when that happens, as it means big wins are coming.

The Wild even has a 2x multiplier attached to any winning combo it’s part of. So, if you get a group of matching symbols and the Wild fills in to complete the line, your payout is doubled. Now, that’s what I call a profitable passenger.

The Wild can appear on reels 2-5 in the main game. And during free spins, there’s a chance for Expanding Wilds that stretch to cover entire reels. Making those locos fill the reels is a thrilling sight.

With those substitution and multiplying powers, the Money Train Wild paves the way for you to pile up stacks of cash. Keep an eye peeled for that little locomotive – it’ll pull you straight to the biggest and best wins.

Pros and Cons

Based on my extended time playing Money Train, here is a brief overview of some clear pros and cons to assess before jumping aboard:


Pros Cons
Slick Wild West theme & graphics Some dated background animations 
Medium volatility provides balanced risk Betting is limited to just 25 lines.
Huge 15,000x max Grand Jackpot prizes
Optimised for desktop + mobile


Like any pokie, Money Train has some downsides worth noting:

Ultimately, while Money Train may experience occasional lulls between features, the core gameplay delivers a smooth and exciting Wild West narrative for fans to relive those heroic train robbery stories. And with tremendous fifteen thousand times payouts lurking in the Grand Jackpot – this dramatic Aristocrat release can turn casual bandits into legendary rich outlaws.

Just be sure to set a gambling limit you are comfortable with, take breaks when needed, and let the thrill of this industry-leading pokie machine capture your imagination.


As a long-time pokie fan, Money Train stands as an innovative modern slot that retains the nostalgic charm of classic Aristocrat pokie machines through fast-paced gameplay and explosive features.

While seasoned players like myself will always have soft spots for retro titles, I genuinely got invested in the narrative adventure of Money Train, with its grand jackpots and Western motifs holding my attention for hours straight. Hitting free spins to trigger epic five-figure prizes made me feel ten years old again, yelling, “Hot diggety, now that’s a jackpot!” 

Yet despite honouring Aristocrat’s history of expert slots development, Money Train equally brings cutting-edge graphics, slick animations and specialty features catering to modern short attention spans alongside us veterans. It’s another win for all in my books.

So whether you enjoy a few casual evening spins or grind out ten-hour sessions until the early dawn, I recommend jumping on board the Money Train. Just secure your gambling bandana, prime those dynamite scatters, and brace for payouts so astronomical retirement will be around the bend. You’ll find Money Train alongside thousands more top-rated online pokies ready to play at all the best-licensed casinos Down Under.

Give this Western thrill ride a shot today – and that elusive Grand Jackpot could make you a pokie machine legend! 

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Below, we cover some common questions players have about the exciting Money Train online pokie machine:

How to trigger free spins on Money Train?

Landing three or more dynamite scatter symbols anywhere on the reels starts the Free Spins feature. You can win eight to 15 free games where all symbols pay both left and right for double the winning ways. Stacked dynamites during spins can trigger even bigger payouts.

Can I play Money Train pokies on my smartphone?

Yes, Money Train is optimised for iOS and Android mobile devices and desktops. Most top Australian online casinos offer full-featured apps, or you can play instantly through mobile web browsers. This allows tapping the screen to set bets, spin reels, and access all features, whether out and about or relaxing on the couch.  

What is the best casino to play Money Train in Australia?

Most leading real money gambling sites with Australian licenses provide Money Train for free or real cash play. Top regulated operators like the sites we recommend for Australian players offer signup bonuses that can help stretch your playing sessions. Sign up at one of these reputable mobile/desktop casinos, deposit funds via your preferred method and start playing Money Train online today.

What is the Money Train RTP percentage?

Money Train slots have an RTP (Return To Player) of 96%. So, over extensive play, $96 is typically paid back to players for every $100 wagered.    

Is a special app required to play Money Train?

You can launch Money Train directly through compatible mobile or desktop web browsers at partnered casinos – no proprietary app download is needed. Though certain sites offer optional apps providing additional features like notifications and touchscreen gameplay if preferred. But for most, instant play access to Money Train works perfectly fine without added software.

Jaqueline Author

Jaqueline Quintero


Always positive, always full of energy and with a very professional approach Jaqueline is one of our best i-gaming writers. With her years of experience she is always able to create unique and over the top content for our website visitors.

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