Money Train and Money Cart: the checked RTP and cap for each game

Version-bound figures: every number below is the value checked in the build named beside it. Record the RTP your own client shows rather than assuming these apply.

Why one name covers ten different maths models

Relax Gaming has built two related families. Money Train titles are line games with a bonus feature; Money Cart titles are bonus-only games built from the Money Train feature itself. They share symbols and vocabulary, which is exactly why their numbers get mixed up.

The spread is not small. Across the ten, the checked base return runs from 94.00% to 98.00%, and the round cap runs from 2,000x the bet to 150,000x. Those are different games in any practical sense, and a search result that shortens all of them to "Money Train" is throwing away the part that matters.

There is a second reason to be careful. These figures belong to the configuration that was inspected, and suppliers can ship alternative builds to different markets. A number checked in one package is evidence about that package, not a universal property of the title.

The Money Train line games

All six run on 40 paylines in the builds we checked. The pattern worth noticing is that the highest cap does not sit with the highest return: Money Train 4 pairs the series' largest ceiling with a 96.10% base, while the original pairs a slightly higher 96.20% with the smallest cap of the six.

Money Train Origins Dream Drop is the outlier and the one most likely to surprise someone. Its 94.00% is the lowest figure in either family, and the game also carries six jackpot tiers, which is where the rest of the model goes. A Dream Drop edition is a different product from the numbered instalment it resembles.

The Money Cart bonus-only games

This family splits cleanly in half. The first two titles were checked at 98.00%, equivalent to a 2% theoretical house edge. The third and fourth were checked at 96.00%, equivalent to 4%. That is a doubling of the theoretical edge between Money Cart 2 and Money Cart 3, and it is invisible if you only read the game names.

Caps move the other way, rising steadily from 20,000 coins to 150,000 coins. Note that these are expressed in coins first and then as a multiple of the selected bet, which is how the help states them. The two expressions describe the same ceiling.

"Cash truck 96" and other partial numbers

People search for a game plus a number because they half-remember a figure. The trouble is that 96 matches several of these titles and distinguishes none of them: Money Train 3, 4 and 5 were all checked at 96.10%, Money Cart 3 and 4 at 96.00%, and the original Money Train at 96.20%.

A partial number therefore cannot identify a game, and it cannot confirm your own table either. The figure that applies to you is the one in the help panel of the client you have open, which is why every page above records the version the value was read from.

How to check the figure in front of you

Open the game's own help or information panel and find the theoretical return statement. Compare it against the figure here for the same title. If they match, you are on the configuration we inspected; if they do not, your operator has deployed a different build and the help panel wins.

Then read the cap in the same place, because a cap can be stated as coins, as a multiple of the bet, or both. If your operator also publishes a maximum payout in its terms, compare the two and assume the lower one binds you.

Finally, keep buy routes separate. A purchase price and its return are a different model from base play, and in this family the gap can run either way: Money Train 2's buy was checked above its base at 98.00%, while Money Train 3 and 4 assign 96.50% to their purchase routes. Our note on feature purchase mathematics covers why those two numbers should never be averaged.

What these numbers do not tell you

A theoretical return describes an average over an extremely large number of rounds. It is not a session forecast, not a promise, and not a figure that becomes more reliable the longer you play in one evening. Our guide to theoretical return works through that gap, and maximum win versus cashout limits explains why a game cap and an operator limit are separate numbers.

A high cap is also not value. A 150,000x ceiling and a 96.10% return describe different properties of the same game, and the first does not compensate for the second. Comparing two titles by cap alone will mislead you in this family more than most.

Sources and boundary

Each figure above is taken from our own review of that title, where it was read from the supplier's official help or demo for the build named on the page: Money Train and Money Train 2 from current configurations, Money Train 3 from help v1.1.4, Money Train 4 from v1.0.11, Money Train 5 and Money Train Origins Dream Drop from v1.0.7, Money Cart from v2.0.2, Money Cart 3 from v1.0.7 and Money Cart 4 from v1.0.8.

Not verified here: your operator's deployed configuration, any market-specific alternative build, operator maximum payout limits, bet ranges, or availability for a New Zealand account. None of these figures is universal or guaranteed, and this page does not recommend a game or a wager.