Money Train 4 (Relax Gaming) RTP review: 96.10% (configurable)
Reading the 150,000x number correctly
Money Train 4's headline — a 150,000x maximum, the largest on this site — is best understood as a genre statement rather than a promise. Relax's 2023 sequel exists for the outer edge of the volatility market: players graduating from Money Train 3's 100,000x who want the series' Hold & Win arms race continued on a bigger 6×6 grid with a deeper bench of modifier symbols. The right buyer treats the cap the way lottery players treat the jackpot: a shape for the dream, while the session-level reality is respins, persistent symbols and long droughts. Anyone whose bankroll or temperament flinched at the third game should stop here — the fourth is more, not gentler.
What the fourth train changes
The chassis moves to 6×6 and the Money Cart bonus gains further modifier roles layered onto the familiar cast — payers, collectors and their persistent versions — so boards develop more interactions and more ways for one late symbol to re-price the whole round. Respins in the base game bridge toward the bonus, and the buy option (where legal) carries that unusual higher certification at 96.50%, making it a defensible choice rather than a tax for once. Stakes run $0.10 to $20 — a tight ceiling that is itself a tell about the tail Relax is managing.
Choosing among the trains
The series now offers a clean spread: Money Cart 3 for the bonus alone, Money Train 3 as the celebrated benchmark, and this — the maximalist option, trading a shade of the third game's polish for the bigger grid and cap. Across all of them the same warning applies with growing force: extreme ceilings are financed by everyone's ordinary sessions, and the fourth train collects fares accordingly.
Strengths
- 150,000x — the tallest ceiling in our database
- Richest modifier set in the series on the biggest grid
- Buy version certified higher (96.50%) than base play
Weaknesses
- Extreme variance; the cap funds itself from ordinary sessions
- $20 max stake constrains larger players
- 96.10% base is merely standard for the risk asked
How Money Train 4 compares
The fourth train against its own family — the only real competition it acknowledges.
| Slot | Provider | RTP | Volatility | Max win |
|---|---|---|---|---|
| Money Train 4 (this slot) | Relax Gaming | 96.10% | High | 150,000x |
| Book of 99 | Relax Gaming | 99% | High | 12,075x |
| Money Train 3 | Relax Gaming | 96.10% | Very High | 100,000x |
| Marching Legions | Relax Gaming | 98.12% | High | 10,000x |
| Temple Tumble Megaways | Relax Gaming | 96.25% | High | 7,767x |
Verdict: the maximalist's train
Skip if: 150,000x reads as a promise to you rather than a distribution's far edge
Money Train 4 is the 2023 instalment of Relax Gaming's signature heist franchise, moving to a 6×6 grid but keeping the franchise's beating heart: the Money Cart hold-and-win round where persistent symbols, collectors, payers and multipliers stack up across respins. The 96.10% base RTP is configurable, and the 96.50% figure applies only to the feature-buy version — which is why UK players, who cannot buy the bonus, are limited to 96.10%. Volatility is a maximum 5 out of 5 because the base game is essentially a long, often dry wait to trigger the Money Cart, where virtually all of the 150,000x potential lives. That design suits patient, well-funded players who understand that almost every meaningful win comes from the bonus and not the base spins, and it is poorly suited to anyone wanting frequent action. The honest take: the 150,000x cap is among the biggest anywhere, but it is a lottery-ticket ceiling, and the UK buy ban removes the most efficient route into the feature.