Money Train 4 (Relax Gaming) RTP review: 96.10% (configurable)
What 96.10% RTP means on Money Train 4
Money Train 4 carries a published RTP of 96.10%, a theoretical house edge of roughly 3.9% over the long run. Because Relax Gaming ships this game in multiple RTP builds, that edge only holds where a casino licenses the top version; a lower build quietly raises the edge against you, which is exactly why we flag configurable titles instead of quoting the headline unqualified. As always, RTP is a long-run average over millions of spins, not a per-session promise: the edge is real and permanent, and a high RTP never turns a slot into a reliable source of income.
Volatility, max win & features
Volatility is rated high (5/5). Expect long gaps between meaningful wins, with most of the return concentrated in the bonus — a friendly RTP does not make this a smooth, low-risk grind. The top prize is capped at 150,000x your stake, and the headline features are money cart bonus, respins, persistent symbols, multiplier.
What to know before you play Money Train 4
- Check the RTP build. Relax Gaming licenses Money Train 4 at 96.50% / 96.10% — open the in-game "i" screen and confirm you're on 96.10% before you commit a bankroll.
- Bankroll for variance. At high volatility the bonus carries the return — size your stake for long dry spells, not the 150,000x ceiling.
- Feature-buy (not in the UK). Buying the bonus shifts the effective RTP — the in-game info screen shows the buy-specific figure.
- High RTP is not profit. 96.10% still leaves a 3.9% long-run house edge; it lowers the cost of play, it never flips the odds in your favour.
Strengths & weaknesses
Strengths
- 150,000x max-win ceiling
- Mechanics that stand out: Money Cart bonus, Respins, Persistent symbols
- Transparent, provider-sourced RTP figure with a stated source
Weaknesses
- Configurable — some casinos license a lower RTP build, so you must check the paytable
- High volatility — long dry spells; not a bankroll-preserver despite the RTP
- Feature-buy is unavailable to UK players
How Money Train 4 compares
The same studios and RTP tier, side by side — every figure provider-sourced and checked.
| 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 |
Our verdict on Money Train 4
Skip if: your casino only offers a lower-RTP build of this game
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.