Quick Stats
| Detail | Info |
|---|---|
| Provider | Ainsworth Gaming Technology |
| Game Type | Video Slot |
| RTP | 94.38% |
| Volatility | High |
| Reels / Rows | 5 × 3 |
| Paylines | Up to 100 (adjustable) |
| Min Bet | $0.01 per line |
| Max Bet | $10,000 per spin |
| Max Win | 10,000× stake |
| Features | Wild Mustang, Coin Wild, Free Spins, Multipliers |
| Theme | American Frontier / Wild West |
| Release Date | 2013 |
| Platform | Desktop & Mobile |
What Is Mustang Money?
Mustang Money is a classic western-themed pokie from Ainsworth — the Australian developer founded in 1995 by Leonard Ainsworth, the same industry veteran behind Aristocrat. The game started life as a land-based pokies machine and was later adapted for online play. It shows. The interface is clean and no-frills, the symbol set is familiar, and there’s exactly one bonus feature: free spins with multiplier wilds.
That stripped-back approach is a feature, not a flaw — if you want it. Mustang Money suits players who prefer a high-stakes, high-risk session with a genuine shot at a big hit rather than a carousel of mini-games. The 100-payline format keeps the base game active with regular small wins, which helps your balance tick along between bonus hits. If you’re after loaded features, daily jackpot chases, or sub-1% house edges, this game is not for you.
Play this if you like Aristocrat-style pokies, you can stomach a high volatility grind, and you want a max bet ceiling that almost no other online slot touches.
RTP and Volatility
The RTP on Mustang Money is 94.38% — below the industry standard of 95–96.5%. In practical terms, over millions of spins the game theoretically returns $94.38 for every $100 wagered. That long-run figure says nothing about what happens in your session, but it does mean the house edge here (5.62%) is notably higher than on most modern video slots. Budget accordingly.
Volatility is high. Wins hit infrequently in the base game, and when they do they’re often modest — the 100 paylines cushion things a little, but you should expect extended dry runs. The free spins round is where the real payout potential sits, and with a trigger rate of roughly 1-in-110 spins according to available data, you may need to dig deep to reach it.
What this means for a $20 session: you’ll likely get a lot of mileage from small line wins (many in the 2–10× total-bet range), punctuated by occasional bigger hits from the stacked wilds. Reaching the free spins is no guarantee — but landing the coin multipliers during it can turn a modest base win into something significant.
Betting Range
The betting system gives you two controls: the number of active paylines (1–100) and the stake per line (0.01–100 coins). Played on all 100 lines at minimum, a spin costs $1. At maximum, the total stake reaches $10,000 per spin — one of the highest published max bets in online pokies, bar none.
Most players will sit somewhere in the $1–$5 total-bet range. At $5 per spin, a 10,000× win would return $50,000. If you’re a high roller wanting to push the stakes, the bet ceiling here is genuinely exceptional.
Do this: Start on all 100 lines at minimum line bet and increase the stake per line only once you’ve seen how the bonus triggers for you.
How to Play Mustang Money
- Set your paylines. Use the Lines button to choose between 1 and 100 active paylines. Playing fewer lines reduces cost but also reduces your chances of landing the scatter trigger.
- Set your line bet. Use the Bet or stake buttons to choose how much you wager per active line — from 0.01 up to 100 coins.
- Check the paytable. Hit the ‘i’ button before you spin. Note the dollar sign symbol at the top of the pay table — five of these on a payline pays 1,000× your line bet.
- Spin. Hit the red Spin button, or use Autoplay to set a run of up to 100 automatic spins with optional loss and win limits.
- Watch for the Wild Mustang. The flaming horse appears stacked on reels 3, 4, and 5 in the base game and substitutes for all regular symbols. When it lands in a winning combination, you’ll see an animation.
- Trigger the Free Games. Land three or more Mustang Money logo scatters anywhere on the reels to unlock 10 free spins. The scatter also pays independently — five scatters pay 100× your total stake outright.
- During free spins, watch the coins. The Coin Wild appears on reels 2 and 4 and carries a multiplier. These can stack to a 10× boost.
- Retrigger. Three or more scatters during free spins award another 5 free games.
Try this: Set autoplay to 50 spins on all 100 lines at your comfortable minimum, watch how often the stacked wild contributes to wins, and adjust your line bet from there before committing to a longer session.
Symbols and Paytable
Mustang Money has 11 regular symbols split into two groups. The high-value group includes the dollar sign, the sunset mesa, the eagle, the gold bars on fire, and the cactus. The low-value group is the standard playing cards — 9 through Ace — dressed up with small western accessories like dice and crowns.
At a $1 line bet, five dollar signs pay $1,000 — that’s the single-line top payout. Five of the mesa symbol pays $300. Eagle and gold bars land at $200 for five, while cactus pays $150. Playing card symbols all pay $100 or less for a full line of five. With 100 paylines active, multiple simultaneous wins from the stacked wilds are common.
Two special symbols are active in the base game: the flaming Wild Mustang and the Mustang Money logo scatter. A third — the Coin Wild — only appears during the free spins round on reels 2 and 4.
Bonus Features
Wild Mustang
The flaming horse is the wild symbol. In the base game, it appears stacked on reels 3, 4, and 5 — meaning it can fill an entire reel column. It substitutes for all regular symbols but cannot replace the scatter or the Coin Wild. Because it lands stacked, a single wild reel can contribute to wins across multiple paylines simultaneously. No multiplier is attached to the wild in the base game — it just substitutes.
Free Games Bonus
Three or more Mustang Money scatter symbols anywhere on the reels trigger 10 free games. Before the free spins start, the scatter pays out directly: three scatters pay 2× your total stake, four pay 10×, and five pay 100×. That payout lands before the spins even begin.
During the free games, the reel setup changes. The Wild Mustang is pinned to reel 3 only — it no longer appears on reels 4 and 5. In their place, the Coin Wild appears on reels 2 and 4. This coin carries a multiplier that applies to any winning combination it contributes to. The coin on reel 2 reveals either a 1× or 2× multiplier. The coin on reel 4 reveals a 1× or 5× multiplier. If both coins land in the same winning combination, the multipliers multiply each other — up to 10× total.
The free games can be retriggered: land three or more scatters during the bonus and you earn 5 additional free games. There is no cap stated on retriggering, though landing the scatter trigger again during a bonus round is itself a relatively rare event.
This is the game’s only bonus feature. Its value depends entirely on the Coin Wilds appearing in winning combinations. Sessions where the coins appear but don’t land in winning combos feel underwhelming; sessions where they hit alongside the stacked wild on reel 3 can push the total win well beyond 100× your total bet.
Is Mustang Money Worth Playing?
Pros:
- Up to 100 paylines creates a surprisingly active base game with frequent small wins to offset the high volatility grind
- The max bet ceiling of $10,000 per spin is exceptional — high rollers won’t outgrow this game
- Free spins multipliers that can reach 10× add genuine excitement to the bonus round
- Simple mechanics mean there’s no learning curve — load and play
Cons:
- RTP of 94.38% is below average, meaning your long-run cost of play is higher than most modern slots
- Only one bonus feature — no buy feature, no jackpot, no second screen
- Visual design is dated and feels more at home on a land-based floor than a modern mobile screen
- High volatility means extended losing runs are part of the deal — this game can drain a small bankroll quickly
Mustang Money is a solid high-variance pokie for players who enjoy the Aristocrat/Ainsworth land-based style and can absorb the below-average RTP. If you’re comfortable grinding with a meaningful bankroll and chasing the free spins multiplier payday, there’s genuine fun here. Budget-conscious players or those used to RTPs above 96% will find the math a harder sell.
Responsible Gambling
Mustang Money uses a random number generator (RNG). Every spin is independent — past results have no influence on future outcomes, and no strategy can predict or change what lands on the reels. Set a session budget before you play and stick to it. If gambling stops being fun or feels like it’s getting out of control, reach out to a local responsible gambling support service in your region.