Relax Gaming · 2023 · Independent review
Money Train 4 Slot Review: 6x6 Grid, Bonus and 150,000x Max Win
Our score: 8.4/10
Quick verdict: Money Train 4 throws out paylines and the Wild for a 6x6 scatter-pays grid, then builds the richest Money Cart in the series, with more than 20 special symbols. The cap is 150,000x, the highest in the series. It's also the most complex and most volatile game in the franchise.
- RTP
- 96.1%96.5% on both bonus buys
- Volatility
- Very highBonus about 1 in 387 spins
- Max win
- 150,000x$15,000 at the $0.10 minimum bet
- Bet range
- $0.10–$6Per spin, scatter pays
What's in this review
What is Money Train 4?
The Money Train 4 slot was released on , and it's the biggest break from the formula in the series. Gone are the 5x4 grid, the 40 paylines and the Wild. In their place is a 6x6 grid where symbols pay anywhere, as long as enough of them land.
The setting moves the gang off-world into a dystopian, space-age West. Relax billed it as "The Last Stand": the bandits' final ride, with no future game planned. Three years later, Money Train 5 proved that wrong.
The Money Cart bonus survives, but it's bigger in every direction. It plays on a tall 6x8 frame that unlocks row by row, and Relax counts more than 20 features, including new Arms Dealer, Unlocker and Upgrader symbols.
Relax Gaming Money Train 4 is the only numbered game in the series without paylines or a Wild. Like the others, it runs in HTML5 on desktop and mobile browsers.
At a glance
| Provider | Relax Gaming |
|---|---|
| Release date | |
| Grid | 6x6 (6x8 frame in the bonus) |
| Pays | Scatter pays, 8 or 10+ anywhere |
| Wild | None |
| RTP | 96.1% (96.5% bonus buys) |
| Volatility | Very high |
| Hit frequency | 20.14% |
| Bonus frequency | About 1 in 387 spins |
| Max win | 150,000x the bet |
| Bet range | $0.10–$6 |
| Bonus buys | 100x, 500x |
| Devices | Desktop and mobile (HTML5) |
Relax Gaming product page, cross-checked with BigWinBoard, SlotCatalog, AboutSlots and HideousSlots. Bonus frequency is from AboutSlots only.
How to play Money Train 4
There are no paylines to learn. Every result is random, so the only real decisions are bet size, buy option and when to stop.
Choose your bet
Set a stake between $0.10 and $6 per spin. UK stake limits apply (5 per spin, 2 for ages 18–24).
Land a cluster
Wins pay when enough matching symbols land anywhere on the 6x6 grid: 8 or more for the two top characters, 10 or more for the rest.
Watch for respins
After any spin, sticky respins can start at random and build a multiplied win.
Land 3 Bonus scatters
Three or more Bonus scatters trigger the Money Cart bonus. Gold persistent tokens count toward the trigger.
Unlock the rows
The bonus starts with 4 open rows. Fill a row and another unlocks, up to 8 rows.
Collect the total
When the respins run out, the values on the grid are paid, up to a hard cap of 150,000x.
Symbols and paytable
Scatter pays means position doesn't matter, only the count. The two top characters pay from 8 matching symbols; the other two characters and the four card suits need at least 10. Payouts rise in eight steps, up to a full screen of 36.
The smallest wins are 0.4x for 10 Clubs or Diamonds and 1.2x for 8 of the top character. A full screen of the top character pays 1,000x, the largest win in the paytable. There's no Wild, so wins build from the symbols themselves and from the sticky respins.
| Symbol | 8 | 10 | 12 | 15 | 20 | 25 | 30 | 36 |
|---|---|---|---|---|---|---|---|---|
 Older man with a white moustache | 1.2x | 2x | 10x | 20x | 35x | 50x | 100x | 1,000x |
 Long-haired man | 1x | 1.5x | 5x | 10x | 20x | 30x | 50x | 500x |
 Bearded man in green | — | 1.2x | 2x | 8x | 15x | 25x | 40x | 400x |
 Red-haired cowgirl | — | 1x | 1.5x | 6x | 10x | 20x | 30x | 250x |
  Spades, Hearts | — | 0.5x | 1x | 3x | 6x | 10x | 15x | 125x |
  Clubs, Diamonds | — | 0.4x | 0.8x | 2x | 4x | 7.5x | 10x | 100x |
A dash means that count doesn't pay. At a $0.20 bet, 8 of the top character pay $0.24 and a full screen pays $200. At $1, the same results pay $1.20 and $1,000; 10 Diamonds pay $0.08 at $0.20 and $0.40 at $1.
Base-game sticky respins
After any spin, the respin feature can trigger at random. The symbol that appears most often on the grid becomes sticky and you get one respin. During respins only blanks, more of the sticky symbol and multiplier symbols can land.
Every new sticky symbol or multiplier resets the respin, so the feature runs until a respin brings nothing new. Multipliers don't stick: their values are added together and the total multiplies the final win. AboutSlots puts the feature at about once every 25 spins.
Seven Spades are on the grid, so Spades turn sticky. Respins add five more Spades and multipliers of 2x and 3x. Twelve Spades form a win, and the total multiplier of 5x applies to it.
Illustrative example; exact multiplier values are set by the game.
The Money Cart bonus in Money Train 4
Three or more Bonus scatters start the Money Cart. It works like every Money Train bonus, but it grows in rows instead of reels and has the biggest cast of special symbols in the series.
A grid that grows upward
The bonus plays on a 6x8 frame. Only the middle four rows are open at the start: 24 positions. You get 3 respins, and every new symbol locks in place and resets the count. Fill a row and the next locked row opens, up to four times, until all 48 positions are in play. The Unlocker symbol can open rows too.
The round ends when the respins run out or when the total reaches the 150,000x cap. We found no evidence of a fixed full-grid prize, so we don't list one.
Base Bonus
Worth 1x to 10x your bet.Blank Blank
A non-winning symbol that fills empty positions. It has no value and doesn't reset the counter.Collector Collector
Collects every visible value. The persistent version does it on every respin.New Adjacent Collector
Collects values from neighboring symbols only, with a persistent version.Payer Payer
Adds its value to every visible symbol. The persistent version repeats every respin.New Adjacent Payer
Adds its value only to the symbols next to it, with a persistent version.Sniper Sniper
Doubles 3 to 8 symbols and can hit the same one twice.Combo Collector Payer
Adds up 3 to 5 targets and pays the total to each of them.New Arms Dealer
Turns 1 to 4 Bonus symbols into special symbols, which then fire. The persistent version converts one Bonus symbol after every respin.Revive Necromancer
Brings back 1 to 7 used one-off specials. The persistent version does it after every respin.New Unlocker
Opens a locked row.Extra spin Reset Plus
Raises the starting value of the respin counter by one.New Upgrader
Upgrades 1 to 3 specials to their persistent versions.
Persistent versions repeat their action after every respin: Collector Payer, Necromancer, Arms Dealer and Sniper. There's also a Persistent Shapeshifter that becomes a Collector, Payer, Sniper, Collector Payer, Arms Dealer or Unlocker after each respin. Compare every symbol across the series in our special symbols guide.
Money Train 4 bonus buy: 100x or 500x
Where it's allowed, there are two buy options. The Original Feature costs 100x your bet, as shown in the in-game buy menu (200.00 at a 2.00 bet), and guarantees the bonus is triggered. The menu also lists a Persistent Feature; Relax Gaming and review sites price it at 500x, with a guaranteed persistent symbol in the bonus. At a $0.20 bet they cost $20 and $100; at $1, $100 and $500.
Both buys are listed at a 96.5% RTP, a figure from Relax Gaming and review sites rather than the buy menu.
AboutSlots and OLBG put the average bonus win at about 96.5x, close to the 100x price, which matches the RTP. Many rounds land below that average and a few huge ones pull it up. See our bonus buy guide.
Money Train 4 RTP, volatility and max win
RTP: 96.1%
In theory, every $100 wagered returns $96.10 over millions of spins. The bonus buys run at 96.5%. Several sources list a lower 94% version. AboutSlots also lists a 90% version, which no other source confirms. Our RTP versions guide shows how to check.
Volatility: very high
Hit frequency is 20.14%, about one spin in five. The sticky respins come roughly every 25 spins and the bonus about every 387. That's around $77 wagered between bonuses at a $0.20 bet, or $387 at $1. Player-tracking site SlotTracker recorded about 1 in 412 over roughly 109,000 spins.
Max win: 150,000x
The cap is 150,000x your bet, the highest in the series: $15,000 at $0.10, $30,000 at $0.20 and $150,000 at $1. It's a hard cap: the bonus ends the moment it's reached.
The first documented Money Train 4 big win at the cap came the day after launch. BigWinBoard reported 150,000x on a 10-cent stake, from the 500x persistent buy. It's a single result at the extreme end; the average bonus is about 96.5x.
| Metric | Value | In practice |
|---|---|---|
| RTP | 96.1% | $96.10 back per $100 over the long run |
| Hit frequency | 20.14% | About 1 paying spin in 5 |
| Sticky respins | 1 in ~25 | Multiplied wins every ~$25 wagered |
| Money Cart | 1 in ~387 | ~$387 wagered between bonuses on average |
| Average bonus | ~96.5x | About $96.50 |
| Max win | 150,000x | $150,000, hard cap |
RTP and cap: Relax Gaming. Frequencies and average bonus: AboutSlots and OLBG simulations.
Play the Money Train 4 demo
The demo is the full game with play money, and it's the easiest way to learn the 6x6 grid. We don't embed it here: open Money Train 4 free play at a casino. More demos on our free demos page.
Sticky respins show up about every 25 spins, so a short demo session shows the scatter-pays base game well. The bonus, at about 1 in 387 spins, may not appear at all.
Where to play Money Train 4
Most casinos with Relax games list it, and crypto-focused sites such as Stake carry Money Train 4 too. Before you pick a Money Train 4 casino, check that it's licensed in your country. Then confirm the RTP in the rules screen: 96.1% is standard, with 94% versions in use (see our RTP versions guide). UK casinos have no bonus buy.
Not paid placements: we have no commercial partners. How we are funded. 18+.
Unibet
License Malta Gaming Authority, plus local licenses in markets such as the UK Money Train games Money Train 1 to 4 Operator Kindred Group (part of FDJ United) One of the largest regulated brands in Europe. The game lobby depends on your country.
Betsson
License Malta Gaming Authority, plus local licenses in several European and Latin American markets Money Train games Money Train 1 to 4, Origins Dream Drop Operator Betsson AB Lists the series under slots, bonus-buy games and jackpots, where buys are allowed.
LeoVegas
License Malta Gaming Authority and UK Gambling Commission, plus local licenses Money Train games Money Train, Money Train 2 Operator LeoVegas Group (MGM Resorts) Mobile-first casino. We found Money Train pages on its international and Canadian sites.
More casinos and how to check them: where to play Money Train games.
Money Train 4 vs Money Train 3
Same RTP, very different games. Money Train 3 is the last of the classic line-pay games; Money Train 4 is a new engine. If you find paylines dull, Money Train 4 is the more interesting game. If you want the classic feel, stay with 2 or 3.
| Money Train 3 (2022) | Money Train 4 (2023) | |
|---|---|---|
| Grid | 5x4, 40 lines | 6x6, scatter pays |
| Wild | Gas mask | None |
| RTP | 96.1% (96.5% buys) | 96.1% (96.5% buys) |
| Max win | 100,000x | 150,000x |
| Bonus buys | 20x, 50x, 100x, 500x | 100x, 500x |
| Bonus grid | Reels, up to 7x4 | Rows, up to 6x8 |
| Special symbols | About 12 types | 20+ features |
| Bet range | $0.10–$10 | $0.10–$6 |
Pros and cons
What we like
- A fresh 6x6 scatter-pays engine that feels different from the earlier games
- The richest bonus in the series, with 20+ features and Upgraders
- Two bonus buys at the same 96.5% RTP, where buys are allowed
- Frequent sticky respins keep the base game moving
What we don't
- Steep learning curve: a lot of symbols to understand
- Very high volatility, bonus about once in 387 spins
- Low $6 maximum bet and no Wild
- Many paytable steps to learn: eight counts for each symbol
Similar games
These games share the Money Cart respin bonus. None of them uses the 6x6 scatter-pays grid, so expect a different base game.
Money Train 3
The same 96.1% RTP and many of the same specials, but on 5x4 lines with a Wild. It has four buy prices and a 100,000x cap.
Money Train 5
The 2026 follow-up, back on 5x4 lines. Its bonus moves along train stations and adds Bomber and Pyromancer symbols.
Money Train 2
A simpler 5x4 game with base-game respins, a 96.4% RTP and a 98% buy. Volatility is high rather than very high.
Money Cart series
Bonus-only games built on the same respin idea. Bonuses come far more often, and wins are much smaller.
Our verdict: is it worth playing?
Money Train 4: the boldest game in the series, best for experienced players.
Money Train 4 is a genuine reinvention. The scatter-pays grid gives the base game more texture, and the row-by-row bonus with Upgraders and Arms Dealers produces rounds that build for minutes.
It suits players who already know Money Train 2 or 3 and want a different base game. Skip it if you're new to the series or on a small budget. There's a lot to learn, and the volatility is the highest in the series.
| Bonus feature | 9/10 |
|---|---|
| Win potential | 9.5/10 |
| Gameplay | 8/10 |
| Design and sound | 7.5/10 |
Frequently asked questions
Is Money Train 4 worth playing?
Yes, for experienced players who like very high volatility. The Money Train 4 slot is the most complex game in the series, with a 6x6 grid and more than 20 bonus features.
What is the Money Train 4 RTP?
It's 96.1% in regular play and 96.5% on both bonus buys. Some casinos use a 94% version.
What is the max win?
It's 150,000x your bet, the highest in the Money Train series: $30,000 at a $0.20 bet. The bonus ends as soon as the cap is reached.
Which Money Train 4 bonus buy is best?
It's a question of price and variance, not value: both buys have a 96.5% RTP. The 500x Persistent Feature starts with a persistent symbol but costs five times the 100x Original Feature. Neither is offered in the UK.
Does Money Train 4 have a Wild?
No. It uses scatter pays on a 6x6 grid, so wins come from enough matching symbols anywhere, without a Wild.
How do you trigger the bonus?
It's triggered by 3 or more Bonus scatters. Gold persistent tokens also count toward the trigger.
Is Money Train 4 the last game in the series?
No. Relax presented it as the final game in 2023, but Money Train 5 followed on September 24, 2026.
Can I play Money Train 4 for free?
Yes. Most casinos that carry it let you open the game in free-play mode with play money, and some ask you to log in first. The math matches the real-money game.
Does it work on mobile?
Yes. It's built in HTML5 and runs in iOS and Android browsers, so no separate app is needed. More in our mobile guide.
How we checked the numbers
Money Train 4's scatter paytable is rarely published in full, so this Money Train 4 review checks it against the in-game paytable screen. For everything else we start from Relax Gaming's product page and the Gaming Intelligence interview, then cross-check against BigWinBoard, SlotCatalog, AboutSlots and HideousSlots. The first max win: BigWinBoard; tracked results: SlotTracker.
Where sources disagree, we say so. Some claim all symbols pay from 8, list "8 paylines" or a 70% RTP; we treat those as errors. The 90% RTP version and the 1-in-387 bonus frequency come from AboutSlots only.
The text was drafted with AI from this fact base and checked by an editor. Read our editorial policy and review method.
Play responsibly
Money Train 4 is rated very high volatility, and its bonus averages about 1 in 387 spins. Frequent sticky respins don't make the bonus any more likely. Set a budget first, stop when it's gone, and never gamble to make money.
BeGambleAware (UK) · GamCare (UK) · Gambling Therapy (worldwide) · 1-800-MY-RESET (US). More on our responsible gambling page. 18+ only.