Money Train 4

Provider

Relax Gaming

Default RTP

96.1%

Volatility

Very high

Maximum win

150,000x

Core mechanic

Bonus buy

What Money Train 4 is

Money Train 4 is the fourth entry in Relax Gaming's flagship series, expanding the grid to six reels and pushing the maximum win to 150,000x your stake. Return is 96.16% and volatility is high.

It is the largest ceiling in the series and among the largest on this entire site, exceeded only by Nolimit City's most extreme titles.

Six reels — the first structural change

The first three entries all used a five-reel layout. Money Train 4 expanded to six reels, which is the first genuine structural change the series made rather than a symbol-set expansion.

A wider grid means more positions for special symbols to occupy during the Money Cart round, which in turn means more room for values to accumulate and for Collectors to sweep. That is the mechanical justification for the ceiling increase.

It also means a full grid takes longer to complete, which extends rounds that are running well — and does nothing for rounds that are not.

150,000x, the series peak

Title	Ceiling	Multiple of the original
Money Train (2019)	20,000x	—
Money Train 2 (2020)	50,000x	×2.5
Money Train 3 (2022)	100,000x	×5
Money Train 4	150,000x	×7.5

Seven and a half times the original's ceiling in four releases. That escalation is the clearest example on this site of where the modern slot market has been heading, and it is worth thinking about what it actually buys a player.

The sequel pattern reverses here

Across this site we have documented sequel after sequel raising the ceiling and lowering the return. Money Train 4 breaks that pattern in a small but real way: it returns 96.16% against Money Train 3's 96.10%, while carrying a 50% larger ceiling.

The practical reading: if you are choosing between the two most recent entries, this one is marginally better on both metrics. If you are choosing across the whole series, Money Train 2 at 96.40% still returns most.

The Money Cart round at its most complex

The core structure is the same as it has been since 2019: the grid clears, three respins, any special symbol resets the counter to three, and the round ends at zero respins or a full grid.

What the fourth entry brings is the widest symbol set in the series across the largest grid, with more interactions between symbol types than any previous version.

That complexity is genuinely enjoyable to watch and it is worth being clear-eyed about what it does mathematically: it widens the distribution. More ways to compound also means more ways for a round to fizzle, and the games with the most elaborate bonus rounds on this site are consistently the ones with the harshest distributions.

Exact symbol behaviours vary between builds — read the paytable in your version.

The published numbers

Statistic	Figure
Return	96.16%
Maximum win	150,000x — the series peak
Grid	Six reels — expanded from the previous entries
Volatility	High, with extreme leanings
Bonus structure	Money Cart respins, three respins resetting on any symbol

Where does a series like this end?

Worth stepping back, because the Money Train arc illustrates something that applies well beyond this one series.

Four releases have taken the ceiling from 20,000x to 150,000x while the return moved from 96.20% to 96.16% — that is, essentially nowhere. Every increment of headline number has been funded by redistributing the same fixed return further into the tail.

The player-facing consequence is that each entry has a thinner middle than the last. The outcomes between 10x and 500x — the ones that actually constitute a session — get progressively less funded as the ceiling climbs, because the money has to come from somewhere.

There is no technical limit to this. A studio could ship a 1,000,000x game tomorrow at the same return; it would simply have almost nothing happening below the ceiling. The limit is players deciding the trade is no longer worth taking.

Which is the useful question to ask of any sequel: what did the bigger number cost, and would I have chosen to pay it?

Bonus buys and market availability

Bonus buys are prohibited in several regulated markets including the UK. On a bonus-only game, that changes the product substantially rather than removing a convenience.

Where buys are permitted, convert prices to cash before tapping and decide a total purchase count before starting. Where they are not, budget for a long base-game wait and accept that the session may not reach the round at all.

Stake sizing in practice

• Budget 300 to 500 base spins — Relax's own extreme-volatility guideline, and this is at the harsh end of it.
• Divide the budget before choosing a stake rather than after.
• Treat the 150,000x as scenery. It is the furthest-out ceiling in the series by a wide margin.
• A filling grid is not a signal; respins are independent.
• Take a large round off the table immediately — this distribution reclaims balances quickly.

The full series compared

Title	Return	Ceiling	Best for
Money Train	96.20%	20,000x	The most reachable ceiling
Money Train 2	96.40%	50,000x	Best return and best all-round
Money Train 3	96.10%	100,000x	96.50% if you buy bonuses
Money Train 4	96.16%	150,000x	The biggest ceiling

Where this fits in a session

Money Train 4 is for a player who specifically wants the largest ceiling the series offers and accepts the thinnest middle to pay for it. The six-reel round is the most spectacular version of the format.

Budget 300 to 500 spins or a fixed buy count, and go in knowing you have chosen scale over value. If value is what you want, Money Train 2 is two tiles away in most lobbies at 96.40%.

Common misconceptions

The first is that the newest entry is the best. On return, the series peaked in 2020.

The second is that a bigger grid means more frequent wins. It means more room for the bonus round to develop, funded by a thinner base game.

The third is that 150,000x is a meaningfully different prospect from 100,000x. Both sit far outside what a normal session encounters.

Who this suits

This suits an experienced high-variance player who wants the series at its largest scale and has the bankroll to fund a long wait or a set of purchases.

It suits poorly anyone on a modest budget, and anyone who assumed the fourth entry must be the most refined — it is the most extreme, which is a different thing.

FAQ

96.10%, 94.10%, 92.10% — three documented builds

Money Train 4 is the clearest documented case of configurable returns in the Relax catalogue. It ships in three RTP versions, and operators choose which to offer.

Build	Return	House edge	Cost per $1,000 staked
Top	96.10%	3.90%	~$39
Middle	94.10%	5.90%	~$59
Bottom	92.10%	7.90%	~$79

Identical artwork, identical features, identical 150,000x ceiling. The only difference is a figure in the paytable, and it doubles the house edge between top and bottom.

Spins at $0.50	Turnover	At 96.10%	At 92.10%	Difference
300	$150	~$5.85	~$11.85	~$6
1,000	$500	~$19.50	~$39.50	~$20
5,000	$2,500	~$97.50	~$197.50	~$100

The 6x6 grid and scatter pays

The fourth entry moved to a 6x6 grid using scatter pays: matching symbols pay by count anywhere on the grid rather than along paylines, with 8 or more required to win.

That changes how you read the screen. Position is irrelevant — only the count matters — so a payline-style near-miss does not exist. You either have eight matching symbols or you do not.

The same structure drives Gates of Olympus and Sweet Bonanza, so it will feel familiar if you have played those — and it is worth knowing that this is now one of the most widely used payment models in the industry, precisely because it removes the need to read lines at all.

Putting 150,000x in perspective

No max-win probability is published for this game. For scale, Push Gaming's Retro Tapes publishes 1 in 1,248,439 for a 10,000x ceiling.

At 300 spins a session, three sessions a week, that already averages a wait measured in decades — and this game's ceiling is fifteen times larger.

Ceiling	Game	Published probability
10,000x	Retro Tapes	1 in 1,248,439
11,757x	Karen Maneater	1 in 330,000
150,000x	Money Train 4	Not published

Those two published figures are the only ones we have found across eighty-five games, and both belong to modest ceilings. Treat 150,000x as a description of how violent the variance is rather than an outcome to plan around — the realistic proposition is a very high variance game with three bonus routes and a well-built compounding round.