Money Train 3 keeps a conventional 40-line base game and puts its depth into the Money Cart Bonus, where Collectors, Snipers, Payers, Necromancers, Absorbers and persistent characters rewrite values already on the grid. The practical question is how much changing state you want to track in a single bonus.
Demo availability may vary by location. You must meet the legal age in your jurisdiction; the free-play button does not record acceptance.
Money Train 3 is a high-volatility video slot from Relax Gaming, released on 22 September 2022. The rules describe a 5×4 grid with 40 fixed paylines, a random Respin feature, the Money Cart Bonus with up to two extra columns, four Feature Buy entries where enabled and a 100,000× win cap per game round. Documented RTP builds are 90%, 92%, 94% and 96.10%.
This card follows the Relax Gaming product page, the published game rules and the attached demo. It is not a report of played cash sessions.
For adults of legal gambling age in their location. Set a budget you can afford to lose.
Read full reviewListed RTP builds span 90%, 92%, 94% and 96.10%. This card stores 96.10% as the displayed RTP, 90% as the minimum and 96.10% as the maximum. High volatility is the studio classification.
All 40 paylines are always active. Wins are evaluated from the leftmost reel, only the highest combination on each line is paid, and wins on different lines are added together. The Wild Gas Mask substitutes for regular symbols in line wins.
After a non-winning base round without a Money Cart trigger, the Respin feature can pick one symbol type already on the grid. Those symbols lock and the other positions respin. New copies stick, while +1×, +2× and +3× multiplier symbols add to a counter that starts at 1×. Respins continue while something new lands; the win is then evaluated with the accumulated multiplier.
This card suits readers who enjoy stateful hold-and-respin bonuses where the order of actions changes the outcome. It is less suited to anyone who wants static cash values that read at a glance or a single fixed RTP in every lobby.
Three or more Bonus symbols anywhere trigger Money Cart; gold Persistent symbols can substitute for them. Triggering symbols reveal values of 1× to 10× the bet and the round starts with three spins. Every new symbol sticks and resets the counter to three. Filling a column opens another, up to two extra columns. Special symbols act top to bottom, then left to right: Collector, Sniper, Collector-Payer, Necromancer, Absorber, Tommy Gun Sniper, Tommy Gun Payer and five persistent characters, including the new Persistent Shapeshifter.
Where enabled, four entries cost 20× (1 spin), 50× (2 spins), 100× (Original, 3 spins) and 500× (Persistent, guaranteeing a Persistent Collector, Sniper, Collector-Payer or Shapeshifter). Buy RTP is 96.50% in the documented build. If summed values reach 100,000× the bet, the bonus ends and pays exactly 100,000×. Wild yes, Free Spins no, Bonus Buy where the market permits it.
High volatility and expensive entry modes can compress a lot of wagering into a few clicks. Set a cash limit and a time limit before starting, and treat a 500× purchase as 500 regular bets from the same budget rather than a single spin.
Price buys in cash, not clicks
A 500× entry equals 500 regular bets. Set the monetary limit first and count every purchase against it.
Growing values are not a signal
Values building on the grid do not make the next purchase or base round due to pay. Stop at the limit rather than raising the stake.
Confirm the RTP build in the info panel
Documented builds are 90%, 92%, 94% and 96.10%. Check the loaded panel before treating a lobby as the top configuration.
The paytable pairs the Wild Gas Mask, which also pays, with the goggle cowboy at the top, followed by the mohawk gunner, green-masked sniper and blue-haired gunslinger. Red spade, orange heart, green club and blue diamond fill the lows. Bonus symbols trigger Money Cart and are not ordinary line pays. Cells are preview figures at the 2.00 demo bet.
Wild that substitutes for regular symbols in line wins and also pays. Preview figures at the 2.00 demo bet shown: 5 = 40.00, 4 = 8.00, 3 = 1.60. Cells are stake-linked preview values.
Character symbol. Preview at the 2.00 demo bet: 5 = 16.00, 4 = 4.00, 3 = 1.00. Line wins need three or more matching symbols from the leftmost reel.
Top paying character, level with the Wild. Preview at the 2.00 demo bet: 5 = 40.00, 4 = 8.00, 3 = 1.60.
Upper character symbol. Preview at the 2.00 demo bet: 5 = 20.00, 4 = 6.00, 3 = 1.20.
Character symbol. Preview at the 2.00 demo bet: 5 = 18.00, 4 = 5.00, 3 = 1.00.
Highest of the metal suit lows. Preview at the 2.00 demo bet: 5 = 10.00, 4 = 2.00, 3 = 0.40.
Low suit symbol. Preview at the 2.00 demo bet: 5 = 8.00, 4 = 2.00, 3 = 0.40.
Low suit symbol. Preview at the 2.00 demo bet: 5 = 7.00, 4 = 1.40, 3 = 0.40.
Lowest suit symbol. Preview at the 2.00 demo bet: 5 = 6.00, 4 = 1.40, 3 = 0.40.
Relax Gaming’s Money Train 3 product page lists a 90% German setting and a 94% alternative setting, and names a separate UK game ID, moneytrain3_92, for the 92% build. Operator rule sheets for the standard build state 96.10% total RTP, with 96.50% for each of the four Feature Buy entries. This card stores 96.10% as the displayed RTP, 90% as the minimum and 96.10% as the maximum, with rtp_text recording 90% / 92% / 94% / 96.10%. The buy figure is a paid-mode setting, not the standard RTP, and no build forecasts a short session.
Relax Gaming
High
100,000×
High volatility and a three-Bonus trigger allow long quiet stretches. A gap without Money Cart does not make the next trigger due.
On a phone, open the paytable and rules panel and confirm which of the 90%, 92%, 94% or 96.10% builds is loaded before staking.
A 90% German build is a different mathematical model from the 96.10% configuration. Confirm the figure on the live panel rather than assuming the highest one.
Desktop frames show the feature splash, the base 5×4 grid with BUY, top paytable awards at the 2.00 demo bet, Money Cart trigger rules and three landed Bonus symbols.
Portrait frames keep the Respin splash, base reels with BUY, the character paytable, Money Cart trigger rules and a three-Bonus spin from the mobile set.
Grid: five reels, four rows, 40 fixed paylines
Trigger: three or more Bonus symbols for Money Cart
Bonus: three spins, reset by every new symbol, up to 7 columns
RTP: confirm 90%, 92%, 94% or 96.10% on the live panel
Money Train 2 uses the same broad Money Cart concept with a 50,000× round ceiling. Money Train 3 doubles that cap to 100,000× and adds Persistent Shapeshifter, Absorber and the Tommy Gun variants, so its bonus leans more on interactions between values already on the grid. Shared series branding does not transfer grid size, RTP builds or Feature Buy prices.
| Game | Return / max win | Volatility | Bonus fit | Watch out for |
|---|---|---|---|---|
| Money Train 3 | 90.00%–96.10% / 100,000× | High | Three or more Bonus symbols open Money Cart with three resetting spins; filled columns can add up to two more, and persistent characters repeat their actions every spin. | RTP builds, the 96.50% buy figure and the 100,000× cap are separate numbers. A 90% lobby is not the 96.10% configuration even when the bonus looks the same. |
| Money Train 2 | 90.00%–96.40% / 50,000× | High | Three or more Bonus symbols open a three-spin Money Cart where Payers, Collectors, Snipers and Necromancer reshape values; two Bonus symbols start Respins. | RTP builds, the 98% Buy Feature figure and the 50,000× cap are separate numbers. A 90% or 94% lobby is not the 96.40% listing. |
| Money Train | 90.00%–96.20% / 20,000× | High | Bonus symbols on reels 1, 3 and 5 open a three-spin Money Cart; Payers, Collectors and Wideners shape the board and every new bonus symbol resets the counter. | RTP builds and the 20,000× ceiling are separate figures. A 90% lobby is not the 96.20% configuration even when the Money Cart looks identical. |
When comparing, ask which special symbols the title uses, which buy entries are enabled and which RTP build the operator loaded.
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Publication status: Document-based review against Relax Gaming’s product page, the published game rules and the attached demo; no cash session is represented.
Studio product page. Matched 40 fixed lines, 100,000× win potential, the returning and new special characters, four Bonus Buys, German RTP 90.00%, alternative RTP 94.00% and UK game ID moneytrain3_92 at https://www.relax-gaming.com/products/casino/moneytrain3.
Game rules and help frames. Checked line evaluation, the Respin sequence, Money Cart trigger, column expansion, special-symbol actions and order, Feature Buy conditions, 96.10% standard and 96.50% buy RTP, and the 100,000× termination rule.
Preview figures. Paytable cells at the 2.00 demo bet shown are labelled as stake-linked preview figures beside the documented RTP builds.
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Relax Gaming released Money Train 3 on 22 September 2022.
Three or more Bonus symbols anywhere on the reels. Gold Persistent symbols can substitute for Bonus symbols in the trigger. The bonus starts with three spins, and every new symbol resets the counter to three.
No conventional Free Spins round. The bonus is the Money Cart respin round, and the base game has a separate random Respin feature with sticky symbols and an added multiplier.
It adds the values of all Normal Bonus symbols to itself and then removes those symbols from the grid. Special symbols are not absorbed.
Documented builds are 90%, 92%, 94% and 96.10%; the four Feature Buy entries use 96.50% in the documented build. This card stores 96.10% as the displayed RTP with a span of 90%–96.10%. Confirm the active build in the information panel.
It is a hard win cap per game round. If summed Money Cart values reach 100,000× the bet, the bonus ends and pays exactly 100,000×. It is a ceiling, not a session forecast.
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