Money Train 4 Slot Review: RTP, Max Win & Strategy
Relax Gaming's epic finale packs a 150,000x punch with its legendary Hold-and-Win bonus, but is the high-volatility ride worth the extreme wait?
Relax Gaming's epic finale packs a 150,000x punch with its legendary Hold-and-Win bonus, but is the high-volatility ride worth the extreme wait?
In short
Money Train 4 is a high-volatility scatter-pays slot from Relax Gaming. It features a main RTP of 96.10% (with lower configs available) and a huge 150,000x max win. The game revolves around its complex Hold-and-Win bonus feature. We rate it 4.3/5.
Key facts
| Studio | Relax Gaming |
|---|---|
| Released | 20 September 2023 |
| RTP | 96.10% (Also 94%, 90% builds) |
| Volatility | High |
| Max win | 150,000x bet |
| Reels / ways | 6x6 grid, Scatter Pays |
| Hit frequency | 19.86% |
| Bet range | €0.10 - €60 |
| Bonus buy | Yes (4 options) |
| Demo play | Yes |
How Money Train 4 Plays
Money Train 4 operates on a 6x6 grid using a scatter pays mechanic, meaning wins are formed by landing 8 or more matching symbols anywhere on the reels. The base game is a deliberately slow-paced affair, primarily serving as a prelude to the main bonus round. It is a waiting game, punctuated by one minor feature.
On any non-winning spin, a Respin feature can trigger. It picks the most numerous symbol on screen, makes it sticky, and respins the other positions. This feature can add multipliers for more symbols landed, but it rarely produces game-changing wins. It's a small consolation during the long wait for the main event.
The Maths: RTP Configurations and Volatility
The headline RTP for Money Train 4 is 96.10%. Using the bonus buy feature slightly increases this to 96.50%. Critically, operators can choose to deploy versions with a much lower RTP, typically 94% or even 90%. Always check the in-game paytable information before playing to see which build you're on.
This is a game of extreme volatility. With a low hit frequency of 19.86%, players should prepare for long sessions with minimal returns. The entire potential of the game is concentrated in the bonus round. This punishing math is a key reason the game, while brilliant, does not earn a perfect score.
The base game is a means to an end; the Money Cart Bonus is the entire show.
Base Game Features
Beyond the scatter pays system, the base game is intentionally sparse. There are no wilds or traditional paylines to track. Your sole focus is landing clusters of 8+ symbols or, more importantly, the three scatter symbols needed to escape the grind and enter the bonus round.
The Respin Feature is the only notable event in the base game. When it triggers on a losing spin, it awards a respin with a sticky symbol. Additional matching symbols also become sticky and award another respin, increasing a win multiplier. It provides a flicker of excitement but is rarely consequential.
The Main Event: Money Cart Bonus Round
Landing 3 or more scatter symbols (or one persistent scatter) triggers the Money Cart Bonus. You start with 3 spins on a new grid. Each time a new symbol lands, the spin counter resets to 3. The round ends when you have three consecutive non-winning spins or hit the win cap.
The feature begins on a 4-row grid, but new rows can be unlocked by filling a reel with symbols. The real magic lies in the more than 20 special symbols, each with a unique function to boost your win multiplier. Persistent versions of these symbols are the key to massive wins.
- Collector: Collects all visible values and adds them to its own.
- Payer: Adds its value to all other symbols on the reels.
- Sniper: Doubles the value of 3 to 8 other symbols.
- Necromancer: Revives up to 7 already used non-persistent special symbols.
- Absorber: Absorbs all normal coin symbols, clearing space for new special symbols.
- Persistent Collector/Payer/Sniper: Performs its action on every single spin for the duration of the bonus.
Max Win and Realistic Expectations
Money Train 4 boasts a colossal max win of 150,000x your bet. This is a theoretical cap, an event so rare it has only been achieved by a handful of players worldwide since its 2023 release. Do not play this game expecting to hit the jackpot; it is a marketing figure, not a realistic goal.
A successful bonus round will more realistically land between 100x and 1,000x your stake. Wins beyond this require a fortunate combination of persistent symbols working together. Always remember that slots are negative-expectation games; play only with funds you are prepared to lose.
How to do this
Playing Money Train 4 Sensibly
- Size your bankroll for extreme volatility. Use a small bet size (e.g., 0.1-0.2% of your total balance) to withstand long dry spells between features.
- Set a session limit. The base game can feel like a grind. Decide on a number of spins or a time limit and stick to it to avoid chasing losses.
- Always check the RTP. Before your first spin, open the game's info screen to confirm you are playing the 96.10% version, not a lower 94% or 90% build.
- Evaluate the Bonus Buy. The feature buy is expensive (100x-500x). It offers a higher RTP but guarantees nothing. Use it cautiously, as it can deplete your balance rapidly.
Where Money Train 4 Falls Short
The game's most significant weakness is its brutal and uneventful base game. It feels engineered to do little more than drain your balance while you wait for the bonus feature. The Respin feature is a token effort that provides little relief, making the core gameplay loop a serious test of patience.
Furthermore, its complexity is a double-edged sword. With over 20 special symbols, the bonus round can be confusing and overwhelming for new players. While veterans appreciate this depth, it creates a high barrier to entry and makes the action difficult to follow without prior study.
Playing Money Train 4 at a Crypto Casino
As a flagship title, Money Train 4 is ubiquitous at Curacao-licensed crypto casinos. Its bonus-buy options and high volatility make it a staple for high-risk, high-reward crypto gamblers. However, it is not a provably fair game; it relies on the tested RNG of a traditional, licensed game studio.
When playing with an active casino bonus, always check the terms. Most crypto casinos prohibit the use of bonus buy features with bonus funds. While slots typically contribute 100% to wagering requirements, high-RTP games like this can sometimes be excluded, so verify the rules before playing.
How Money Train 4 Compares
| Game | RTP | Volatility | Max win | Bonus buy |
|---|---|---|---|---|
| Money Train 4 | 96.10% | High | 150,000x | Yes |
| Money Train 3 | 96.10% | High | 100,000x | Yes |
| Razor Returns | 96.55% | High | 100,000x | Yes |
| Tombstone R.I.P. | 96.08% | Insane | 300,000x | Yes |
| Mental | 96.08% | Extreme | 66,666x | Yes |
Our take
Money Train 4 is a monumental achievement in slot design, perfecting the Hold-and-Win format with unparalleled depth and a staggering win potential. It's a game of extreme peaks and deep valleys. The mind-numbing base game is a significant drawback, preventing it from achieving a perfect score. However, for players who appreciate complex mechanics and are chasing that once-in-a-lifetime bonus round, Money Train 4 remains a top-tier, essential experience in the world of high-volatility slots.
How we tested this slot
We played Money Train 4 on live builds at more than one casino, opened the in-game information screen on each and recorded the RTP actually deployed rather than the studio's headline figure. We compared the paytable, hit frequency and max-win rules against Relax Gaming's own documentation, and checked the certification standards linked below. Where operators ship a reduced RTP build, this review says so.
Last checked: August 2026
How we scored this
Rating: 4.3 / 5
| Criterion | Weight | Score |
|---|---|---|
| Maths and RTP transparency | 35% | 4.5 / 5 |
| Feature design | 20% | 4.2 / 5 |
| Win potential vs. cost | 20% | 4 / 5 |
| Presentation and mobile | 15% | 4.4 / 5 |
| Crypto-casino availability | 10% | 4.6 / 5 |
Sources and references
- Official game catalogue — Relax Gaming
- RNG and game certification standards — Gaming Laboratories International
- Our review methodology and scoring weights — CasinosPlayed
Frequently asked questions
What is the max win on Money Train 4?
The maximum win on Money Train 4 is 150,000 times your bet. This is a very rare event, typically won during the Money Cart Bonus Round with an optimal combination of special persistent symbols.
Is Money Train 4 a good slot?
Yes, Money Train 4 is considered one of the best high-volatility slots, especially for its bonus feature. We rate it 4.3/5, praising its depth and massive win potential, but noting its very dull base game.
What is the RTP of Money Train 4?
The default RTP of Money Train 4 is 96.10%, which increases to 96.50% when using the bonus buy feature. However, Relax Gaming also provides versions with lower RTPs of 94% or even 90%, so always check the game info at your casino.
How do the persistent symbols work in Money Train 4?
Persistent symbols perform their special action on every spin for the entire duration of the bonus round, instead of just once. For example, a Persistent Collector will gather all values from the grid on every single spin, dramatically increasing the win potential.
Is the bonus buy on Money Train 4 worth it?
The bonus buy can be worth it as it increases the RTP to 96.50% and provides instant access to the game's main feature. However, at 100x to 500x your bet, it is expensive and does not guarantee a win, so it should be used with a cautious bankroll strategy.
Can I play Money Train 4 with crypto?
Yes, Money Train 4 is widely available at many online and crypto casinos that accept currencies like Bitcoin and Ethereum. You can bet directly with crypto at some sites, while others will convert your deposit to a fiat currency for gameplay.