Money Train 4 Pros & Cons
Money Train 4 delivers classic Aristocrat action with a proven track record. The choice-based free spins and stacked symbols create a good variety, but the RTP and max win won't impress everyone.
- 150,000x max win is insane - one of the highest in the industry
- Over 20 special symbols keep the bonus round unpredictable
- 96.1% RTP is competitive for this volatility level
- Expanding rows unlock during bonus add extra win potential
- Respin feature in base game gives occasional relief
- Very high volatility = brutal dry spells between bonuses
- Max bet capped at $6 disappoints serious high-rollers
- 1 in 387 spins to trigger bonus means massive bankroll needed
- No wild symbols in base game limits regular wins
- Average bonus win only 96.5x - most rounds are underwhelming
Money Train 4 Slot Review: The Last Stand Delivers 150,000x Max Win
Money Train 4 is Relax Gaming's final ride in their legendary slot series, and they went all out. This is a 6x6 grid slot with scatter pays, high volatility, and a max win of 150,000x. Released in September 2023, it's got over 20 special symbols in the bonus round, expanding rows, and that intense steampunk-meets-futuristic vibe the series is known for. We tested Money Train 4 and honestly, it's not for beginners or anyone with a small bankroll. The RTP is 96.1%, but the extreme volatility means you'll burn through your balance fast if the bonus doesn't hit. If you're chasing huge wins and don't mind long dry spells, this could be your game.
| Specification | Details |
|---|---|
| Developer | Relax Gaming |
| Release Date | September 20, 2023 |
| Reels x Rows | tme (expandable to 6 X 10 in bonus) |
| Paylines / Ways to Win | Scatter Pays |
| RTP (Return to Player) | 96.10% (96.50% with Bonus Buy) |
| Volatility Level | Very High (5/5) |
| Min Bet | $0.10 |
| Max Bet | $6.00 |
| Max Win Potential | 150,000x bet |
| Hit Frequency | 20.14% |
| Default Bet Range | 6.00 |
| Mobile Compatible | Yes (ios, Android, Tablet) |
Symbols & Payouts
Money Train 4 uses scatter pays with 8 symbols split into low-pay card ranks and 4 high-pay character symbols. You need 8 or more of the same symbol anywhere on the reels to win. No wild symbol in this game, but the bonus symbols more than make up for it.
🎰 Sheriff (Red Character) - High Value
The Sheriff in red is one of the top-paying symbols. He's designed with intense detail, full armor and weapons. Landing 36 matching symbols pays between 100x and 1,000x your bet. This symbol appears less frequently than others, but when you fill the screen, the payout is massive. The animation shows him firing weapons when you hit a big win.
🌟 Native American (Orange Character) - High Value
The Native American character in orange is another premium symbol with detailed artwork. Same payout structure as the Sheriff - fill the grid and you're looking at serious money. The design includes traditional tribal elements mixed with futuristic gear. Appears about as often as the Sheriff, so hitting full screens is rare but possible.
👤 Bandit Character 1 - Medium Value
One of the gang members with less payout potential but shows up more frequently. Design features goggles, bandanas, and steampunk accessories. You'll see this symbol fairly often, creating regular scatter wins. Animation is simpler than premium symbols but fits the theme nicely.
👤 Bandit Character 2 - Medium Value
Another gang member with similar mid-tier payout. Appears regularly enough to keep base game wins coming. Design complements the other characters with consistent art style. Not exciting but necessary for keeping your balance steady between bonuses.
💎 Diamond Card Symbol - Low Value
Playing card diamond symbol is one of four low-paying card ranks. Rendered in purple/blue with metallic shine. Pays 0.4x to 1.2x for smaller clusters. Shows up constantly but doesn't pay much. You'll rack up tons of tiny wins with these.
♣️ Club Card Symbol - Low Value
Green-colored club symbol with same low payouts as diamonds. Frequent appearance means you'll see this every few spins. Design is simple but polished. These symbols keep you alive between big hits but won't make you rich.
❤️ Heart Card Symbol - Low Value
Red heart symbol following same pattern as other low-pays. Metallic finish matches game aesthetic. Common enough that you'll land scatter wins regularly. Not exciting but functional for small payouts.
♠️ Spade Card Symbol - Low Value
Black spade completing the low-pay quartet. Most common symbol on the reels. Landing 10+ creates small wins that add up slowly. Simple design but consistent with overall quality of the slot.
🎰 Bonus Scatter Symbol - Special
Landing 3 or more bonus scatters triggers the Money Cart Bonus Round with initial 3 spins. This is what you're really hunting. Golden coin design that lights up the screen when it lands. Probability of hitting 3 scatters is 1 in 387 spins on average. When this shows up, everything changes.
| Symbol | 36 Symbols | 30 Symbols | 25 Symbols | 20 Symbols | 15 Symbols | 10 Symbols | 8 Symbols |
|---|---|---|---|---|---|---|---|
|
Sheriff (Red)
|
500x | 250x | 150x | 100x | 60x | 40x | |
|
Native American (Orange)
|
500x | 250x | 150x | 100x | 60x | 40x | |
|
Bandit 1
|
50x | 25x | 15x | 10x | 6x | 4x | |
|
Bandit 2
|
50x | 25x | 15x | 10x | 6x | 4x | |
|
Diamond
|
0.8x | 0.6x | 0.5x | 0.4x | 0.4x | - | |
|
Club
|
0.8x | 0.6x | 0.5x | 0.4x | 0.4x | - | |
|
Heart
|
0.8x | 0.6x | 0.5x | 0.4x | 0.4x | - | |
|
Spade
|
0.8x | 0.6x | 0.5x | 0.4x | 0.4x | - | |
|
Bonus Scatter
|
Triggers Money Cart Bonus Round (3+) | - | - | - | - | - |
Bonus Features
Three main features here - the Respin feature, Money Cart Bonus Round, and Bonus Buy. The Money Cart bonus is what made this series famous, and Money Train 4 cranks it to 11 with over 20 different special symbols.
| Feature Name | Trigger Method | Description | Max Potential | Frequency |
|---|---|---|---|---|
|
Respin Feature
|
Random after any base spin | Most common symbol becomes sticky, other positions respin | 1,000x+ | Common (random) |
|
Money Cart Bonus
|
3 respins, special symbols with multipliers and modifiers | 150,000x | 1 in 387 spins | |
|
Expanding Rows
|
Fill rows during bonus | Unlocks hidden rows with more symbols | Boosts bonus wins | Medium |
|
Persistent Symbols
|
Land during bonus trigger/round | Symbols that perform actions on every respin | Massive multipliers | Medium |
|
Bonus Buy (Original)
|
Pay 100x bet | Triggers regular Money Cart | 150,000x | On demand |
|
Bonus Buy (Persistent)
|
Pay 500x bet | Triggers Money Cart with 1 guaranteed persistent symbol | 150,000x | On demand |
RTP & Volatility
RTP is 96.10% in base game, but jumps to 96.50% if you use Bonus Buy. Relax Gaming rates volatility as 5 out of 5 - Very High. Max win caps at 150,000x your bet.
| Feature | Value |
|---|---|
|
Min Bet
|
$0.10 |
|
Max Bet
|
$6.00 |
|
Max Win (Multiplier)
|
|
|
Max Win (Cash at $6 bet)
|
$900,000 |
|
RTP (Base Game)
|
|
|
RTP (Bonus Buy)
|
|
|
Volatility
|
Very High (5/5) |
|
Hit Frequency
|
|
|
Bonus Trigger Frequency
|
Mobile
Money Train 4 works perfectly on mobile through HTML5 tech. Tested on iPhone, Android, and tablet - zero issues. Graphics look just as good on small screens, and touch controls are responsive. No app needed.
Tips:
Here's what actually helps with Money Train 4:
Bankroll for 400+ spins minimum
Bonus triggers every 387 spins on average, so budget accordingly or you'll bust before seeing it
Use Bonus Buy strategically
The 96.50% RTP on Bonus Buy is better than base game's 96.10%, so if you've got the cash, buying at 500x for persistent symbols can be worth it
Watch for persistent symbols
Landing a persistent symbol from the start gives you better chances of big wins than regular bonus symbols
Base game Respins matter
Don't ignore the random respin feature; it can build decent wins between bonus rounds and extend your playtime
Lower bets on exploration
Max bet is only 0.50 or less until you understand how brutal the volatility is
Similar Games
If Money Train 4 interests you, try these:
Money Train 3
Previous entry with 100,000x max win, slightly less volatile and still has the Money Cart bonus with fewer modifiers
Money Train 2
96.4% RTP with high volatility and 50,000x max win, easier entry point to the series
Dead or Alive 2 by NetEnt
Similar Wild West theme with extreme volatility and sticky wilds bonus
San Quentin xWays by Nolimit City
Another brutal high-volatility slot with expanding rows and massive win potential
Play Responsibly - 18+ Only
Gambling should be entertaining and fun. Remember that slots are games of chance, and there's no guaranteed way to win. Never gamble more than you can afford to lose, and always set limits for yourself. If you feel gambling is becoming a problem, please seek help immediately.
FAQ - Frequently Asked Questions
How often does the Money Cart Bonus actually trigger in Money Train 4?
On average, you'll trigger it once every 387.4 spins. Yeah, that's brutal. Budget your bankroll accordingly or you won't last long enough to see it.
What's the deal with persistent symbols, and why do they matter so much?
Persistent symbols perform their action on every respin instead of just once. They can substitute for bonus symbols when triggering the round or land during it. Landing one from the start gives you way better chances of big wins because they keep multiplying or collecting on every spin.
Can you actually hit the 150,000x max win, or is it theoretical BS?
The probability of hitting 150,000x is 1 in 94 million spins. So yes it's technically possible, but you'll probably never see it. Focus on the 100x-1,000x range - that's the realistic ceiling for most sessions.
How does Money Train 4 compare to Money Train 3?
Money Train 4 has 20 new features and 150,000x max win compared to MT3's 100,000x. The scatter pays mechanic in MT4 changes base game experience from MT3's paylines, and MT4 has way more special symbols in the bonus. MT4 is bigger, bolder, and more volatile.
What happens when you unlock the expanding rows during the bonus?
Each time you fill a row with symbols, one additional row unlocks - max 4 times. This expands the grid from 6x6 to 6x10, giving you more positions for symbols to land. The symbols that were locked behind those rows reveal and perform their actions, potentially exploding your win.
Is the Bonus Buy worth it, or should you grind naturally?
Bonus Buy increases RTP from 96.10% to 96.50%, so mathematically it's slightly better. Original costs 100x your bet, Persistent costs 500x and guarantees a persistent symbol. If you've got the bankroll and hate waiting 400 spins, buying at 500x for the persistent version is the smart play.
Why doesn't Money Train 4 have wild symbols like normal slots?
Money Train 4 doesn't have wild symbols, but the scatter pays mechanic and the insane number of bonus modifiers more than compensate. Wilds would be redundant when you've got 20+ special symbols doing crazy stuff in the bonus round. The game doesn't need them.
What bet size works best for 5 Dragons?
Start at $0.50-$1.00 per spin with at least $50-$100 bankroll to handle the medium-high volatility. High-rollers can bet up to $125, but the max win potential of around 1,000x doesn't justify huge stakes compared to modern slots with 10,000x+ potential.
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