Money Train 4 Slot

4.6/5
Money Train 4 Slot
Published Date · Sept. 21, 2023 · Last Updated · Nov. 5, 2026
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Money Train 4 Slot Review

Relax Gaming released Money Train 4 on 20 September 2023 as the fourth instalment of its Money Train series.

Money Train 4 Slot Overview

Four bandits ride an armoured train across a desert planet, and they are not there for the view. Relax Gaming billed Money Train 4 as the last stand of its heist series in September 2023 and gave it a top prize to match: 150,000x your stake.

The base game is a 6x6 grid with scatter pays, so the number of matching symbols counts and their position does not. Any spin can end in a random respin. Three or more Bonus symbols start the Money Cart Bonus, where 20 special symbols collect and multiply prize values on a grid that can grow to eight rows. Volatility is high, and the default RTP is 96.10%.

Money Train 4 Slot Details

Paylines

Scatter Pays

RTP

96.1%

Volatility

High

Jackpot

x

x

£5

150,000 x

Software Provider

Relax Gaming

Themes

Action, Futuristic, Western

Design and Layout

Scatter Symbols Slots, 6 Reel Slots

Features

Bonus Round, Multiplier, Re-Spins

Between bonus rounds you get a single feature, the random respin, and that thin base game is our main complaint. The Money Cart makes up for it. Relax packed it with 20 special symbols and rows that open up to 6x8, and its 150,000x cap is the highest of the five numbered Money Train games. The 96.10% default is fair, although casinos can pick a lower version. Choose it if you are happy for one bonus round to carry a session, and pass if you want base-game Wilds, as there are none.

4.6/5
Pros

150,000x max win, top of the five numbered Money Train games

Money Cart grid can grow from 6x4 to 6x8

New Arms Dealer and Upgrader among 20 special symbols

Random base-game respins with a running multiplier total

Cons

Casinos can set the RTP at 90.00%, below the 96.10% default

No Wild symbol anywhere on the base grid

Volatility rated 5 out of 5, the studio's top band

How To Play Money Train 4 Slot

Before you spin

Eight regular symbols fill the 6x6 grid. Four are card suits set in steel. The other four are the gang, known as the Payer, Sniper, Collector and Necromancer, listed here from the lowest pay to the highest. Set your stake and spin. UK rules cap each spin at £5, or £2 if you are 18 to 24.

Money Train 4 intro features
Respin Feature and Money Cart on the intro screen
Money Train 4 bonus triggered
The special symbols explained

Grid

Win Rule

Money Cart Grid

6x6

8 or 10 matching symbols anywhere

6x4, opening up to 6x8

Money Train 4 Slot Paytable & Symbols

Relax Gaming's game page carries no paytable, so these are the figures independent reviews agree on. Values are multiples of your total stake, and the column headings give the number of matching symbols in view.

Symbol
Name
8 Symbols
10 Symbols
12 Symbols
15 Symbols
20 Symbols
25 Symbols
30 Symbols
36 Symbols
Money Train 4 Necromancer symbol
Necromancer
1.2x
2x
10x
20x
35x
50x
100x
1,000x
Money Train 4 Collector symbol
Collector
1x
1.5x
5x
10x
20x
30x
50x
500x
Money Train 4 Sniper symbol
Sniper
1.2x
2x
8x
15x
25x
40x
400x
Money Train 4 Payer symbol
Payer
1x
1.5x
6x
10x
20x
30x
250x
money train 4 spade
Spade
0.5x
1x
3x
6x
10x
15x
125x
money train 4 heart
Heart
0.5x
1x
3x
6x
10x
15x
125x
money train 4 club
Club
0.4x
0.8x
2x
4x
7.5x
10x
100x
money train 4 diamond
Diamond
0.4x
0.8x
2x
4x
7.5x
10x
100x

There is no Wild symbol in Money Train 4. The Bonus symbol has no row either, because it pays through the Money Cart Bonus.

Money Train 4 Slot Paylines

Money Train 4 has no paylines. It counts matching symbols anywhere on the grid instead: the Necromancer and the Collector pay from 8 in view, every other symbol needs 10, and the paytable steps up again at 12, 15, 20, 25, 30 and a full grid of 36.

Money Train 4 Slot Features

Random respins

At the end of any base-game spin, the game can award a respin at random. It picks the symbol with the most copies in view, locks every copy in place and spins the rest, and only that symbol, blanks or multipliers can land.

Each new copy sticks and earns another respin. Multipliers do not stick. They add to a running total and also earn a respin, and once a respin brings nothing new, the locked symbols pay as a normal win multiplied by that total.

Those respins are the base game's way into the top of the paytable, where 36 matching symbols pay between 100x and 1,000x your stake.

Money Train 4 Slot Bonus Features

Money Train 4 Collector Payer
A Collector Payer lands
Money Train 4 Sniper
The Sniper doubles Bonus values
Money Train 4 Unlocker
The Unlocker opens a new row

The Money Cart Bonus

Three or more Bonus symbols send you to a separate grid with four rows open. Each triggering symbol reveals a value of 1x to 10x your stake, and you get three spins. Every new symbol sticks and resets the count to three, so the round ends only when three spins in a row bring nothing.

Fill a row and another one opens, up to four extra rows for a full 6x8 grid. The Unlocker symbol opens rows as well. A gold Persistent symbol that helped trigger the round acts before the first spin.

Twenty special symbols

New to the series are the Arms Dealer, which turns one to four Bonus symbols into special symbols, and the Upgrader, which makes one to three special symbols Persistent. The regulars are back too. Collectors gather the values in view, or from the eight squares around them on the Adjacent version, while Payers add their value to other symbols. The Sniper doubles three to eight Bonus values. The Collector Payer takes the values of three to five targets and pays its new total back to each one, and the Necromancer revives two to seven used special symbols. Reset Plus adds one to the starting spin count.

Persistent versions repeat their action on every spin until the round ends, and the Persistent Shapeshifter turns into one of six special symbols after every spin.

The bonus buy isn't available at UK-licensed casinos.

Our Verdict Persistent symbols decide how far a Money Cart round goes. Land a Persistent Collector or Payer early and it repeats its action on every spin you have left, on a grid that can grow from four rows to eight. Everything else waits for this round.

Money Train 4 Slot RTP & Volatility

RTP

Variable RTP

Volatility

Max Win

Hit Frequency

96.10%

Yes

High, 5 out of 5

150,000x total stake

20.14%

The default RTP is 96.10%, above the 96.00% median of the 392 slot reviews we sampled (October 2026). The RTP falls to 90.00% if your casino loads the lowest version, so check the game menu for the figure at yours. Relax rates the volatility 5 out of 5, the top of its scale.

Our Verdict The 96.10% default gets a fair rating from us, and no more than that. The 90.00% version is harder to accept. It adds 6.10 points to the house edge, and that is enough for us to look for another casino.

Money Train 4 Slot Graphics & Audio

Graphics

The base game sits in a sandy canyon of red rock arches, under a sky with several moons. Relax bolted the grid into a steel frame with gun turrets on top. The bandits are detailed portraits: a moustached Necromancer with a cigar, a Collector in face paint, a bearded Sniper and a red-haired Payer. We like that Relax gave the card suits the same care, cut as coloured shapes in steel settings.

Money Train 4 Persistent symbol
Gold Persistent symbol on the rainy night grid
Money Train 4 rainy night grid
Money Cart bonus in action

Trigger the Money Cart and the scene switches to a rainy night, lit by red lights around the grid.

Our Verdict Four bandits keep Money Train 4 recognisable, even though the series has travelled a long way from the Wild West of the first game. The art is sharp in the screenshots we checked. Rain marks the bonus. You spot the change of mode at a glance.

Money Train 4 Slot on Mobile

Four bandits and an armoured train sound like a lot to fit on a phone screen. Relax Gaming released Money Train 4 for mobile as well as desktop, and it plays on both Android and iOS devices.

Money Train 4 on iPad

Money Train 4 FAQs

How do you trigger the Money Cart Bonus in Money Train 4?

Land three or more Bonus symbols anywhere on the 6x6 grid in one spin. Gold Persistent symbols count towards the three.

What is the RTP of Money Train 4?

The default version returns 96.10%. A casino can run the lowest version instead, which pays back 90.00%.

What is the max win on Money Train 4?

150,000x your total stake. A game round that reaches the cap ends there and pays it.

How volatile is Money Train 4?

Relax Gaming rates it 5 out of 5, the top of its volatility scale.

Can you buy the bonus in Money Train 4 in the UK?

No. UK-licensed casinos do not offer the bonus buy. In markets that allow it, entry to the Money Cart Bonus costs 100x the stake, or 500x for a round that starts with one Persistent symbol.

Is Money Train 4 the last Money Train game?

No. Relax Gaming launched it as the series' last stand in 2023, then brought the bandits back in Money Train 5 on 24 September 2026.

How is Money Train 4 different from Money Train 3?

Money Train 3 caps wins at 100,000x your stake. Money Train 4 raises that to 150,000x, plays on a 6x6 scatter-pays grid and adds new special symbols such as the Arms Dealer and the Upgrader.

Author

Greg Gomes

Gambling Consultant

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