Money Train 3 is the third instalment in Relax Gaming’s Money Train series, released on 22 September 2022. It keeps the 5×4, 40-line layout of the first two games but repaints it in a darker, more mechanical style, adds a random Respin feature to the base game, and pushes the Money Cart bonus to a 100,000x ceiling — double what Money Train 2 offered two years earlier. Four bonus-buy price points and a cast of new special symbols, Absorber and the two Tommy Gun variants among them, do the rest of the work.
Key facts
| Detail | Money Train 3 |
|---|---|
| Provider | Relax Gaming |
| Release | 22 September 2022 |
| Grid / paylines | 5×4, 40 fixed lines |
| RTP | 96.10% (96.50% with the bonus bought) |
| Volatility | High |
| Hit frequency | 19.35% |
| Max win | 100,000x the stake |
| Bet range | 0.10–10 per spin |
| Bonus buy | 20x / 50x / 100x / 500x |
| Theme | Dark, futuristic cyberpunk |
How the base game works
Wild and the random Respin feature
A Wild symbol substitutes across the 5×4 grid in ordinary play, and it isn’t the only way a spin can turn interesting: Money Train 3 added a random Respin feature the first two games never had. It can trigger after a non-winning spin — one symbol sticks in place, and fresh respins keep coming for as long as the same symbol keeps landing, each carrying a x1, x2 or x3 multiplier. It’s a base-game feature, separate from the Money Cart bonus, and built to feel busier between bonus rounds than the games before it.
The paytable above is worth reading in the demo before playing for real money — the base symbols carry the game’s everyday value, while the bonus symbol that triggers the Money Cart is a separate, higher-tier icon on the same reels.
The Money Cart bonus in Money Train 3
Landing three or more bonus symbols anywhere on the grid sends you into the Money Cart round. From there the format is straightforward on the surface — a locked grid and a run of respins that keeps going as long as special symbols keep appearing — with one wrinkle unique to this game: a fully filled column opens an extra one alongside it, up to twice, so a long round can finish noticeably wider than it started. The trigger frequency works out at roughly once every 435 spins, which is a long wait between bonus rounds.
Special symbols in Money Train 3
| Symbol | What it does | Persistent version |
|---|---|---|
| Collector | Collects the value of every bonus symbol showing on the grid | Yes |
| Sniper | Targets other symbols on the grid and doubles their value | Yes |
| Collector Payer | Pays out to three to five targets and collects their value in the same move | Yes |
| Necromancer | Brings back between two and seven symbols already used earlier in the round | Yes |
| Absorber | Clears ordinary bonus symbols off the grid, leaving more room for specials | — |
| Tommy Gun Sniper | Doubles one random target, repeated two to six times | — |
| Tommy Gun Payer | Pays 5–100x to random symbols, repeated three to ten times | — |
| Shapeshifter | Changes into a different special symbol on every respin | Always — only appears as Persistent Shapeshifter |
Four of those eight — Collector, Sniper, Collector Payer and Necromancer — are the ones worth watching for their persistent versions specifically: once one lands, it stops counting down with the rest of the round and simply keeps doing its job for however long the feature runs. The Money Cart glossary goes through how the same roles differ, subtly, in every other game in the series.
The example above settles at 83x the stake — a solid result, and a useful reminder of how far below the six-figure ceiling most completed rounds actually land.
Bonus buy
| Price | What it buys |
|---|---|
| 20x | Drops you into the Money Cart with one starting respin already banked |
| 50x | Drops you into the Money Cart with two starting respins already banked |
| 100x | Enters the standard round, with nothing pre-loaded |
| 500x | Enters the standard round with one persistent special symbol already sitting on the grid |
That range gives Money Train 3 the most granular pricing in the series, but granular doesn’t mean cheap: every button spends your stake far faster than reaching the bonus through ordinary spins, so weigh the price against how many base-game spins it replaces, not against the RTP figure alone. The bonus buy guide sets all six games’ prices side by side. Buy features also aren’t switched on at every casino or in every country, so check the in-game menu before assuming the option is there.
Max win and volatility
Money Train 3’s 100,000x cap doubled Money Train 2’s on launch in 2022, and held the series record for a year before Money Train 4 overtook it. Reaching it needs the Money Cart running long enough for its columns to open up and enough persistent Collectors, Snipers and Tommy Gun Payers to land together — not one lucky spin, but a round that keeps compounding. That figure sits at the extreme end of the maths model: most Money Cart rounds settle for a small fraction of it, so treat the six-figure cap as the outlier it is, not a realistic session target.
RTP moves from 96.10% in ordinary play to 96.50% once the bonus is bought outright, and both numbers are long-run averages rather than a promise for any one session. Our RTP and volatility guide explains why the bought-bonus figure comes out higher without that meaning the purchase itself is a better bet. High volatility here isn’t a marketing phrase: it means genuinely long dry spells between anything the Respin feature or the Money Cart pays out, and that’s the trade-off behind the 100,000x number.
Money Train 3 vs the rest of the series
| Game | Release | RTP | Max win | Grid | Bonus buy |
|---|---|---|---|---|---|
| Money Train 2 | 2 September 2020 | 96.40% (98.00% buy) | 50,000x | 5×4, grows to 7×4 in the bonus | 100x |
| Money Train 3 | 22 September 2022 | 96.10% (96.50% buy) | 100,000x | 5×4, 40 lines | 20x / 50x / 100x / 500x |
| Money Train 4 | 20 September 2023 | 96.10% (96.50% buy) | 150,000x | 6×6, scatter pays | 100x / 500x |
Money Train 3 sits between its neighbours on paper and feels closer to Money Train 2 in practice — it keeps the same 5×4 reel set and 40 fixed lines rather than following Money Train 4 into scatter pays. What’s changed is the pace and the pricing: the random Respin feature, the Absorber/Tommy Gun combination, and four bonus-buy tiers instead of one make this the more flexible, more chaotic game of the three to actually sit down and play. It also picked up several Slot of the Year awards in 2022, which says as much about the Money Cart rework as it does about the reel set. Anyone weighing up whether the format works better on paylines or on scatter pays should read the Money Train 4 review next.
Verdict
Nine out of ten. Money Train 3 earns it for the four-tier bonus buy and the Absorber/Tommy Gun combination, which between them make the Money Cart feel less predictable than the games either side of it in the series. It took a perfect 10/10 in review at launch; I hold back that last point only because the Respin trigger is entirely random by design, and on a high-volatility game the wait for it can run long. In my sessions the appeal has always been the Money Cart itself rather than the reels around it, and Money Train 3 sharpens that appeal without changing what it fundamentally is.
Play Money Train 3 demo
The demo runs on the same maths model as the real-money game, with no registration needed at most lobbies that offer it, so it’s the straightforward way to watch the Respin feature and the Money Cart’s column expansion before staking anything. Try the Money Train 3 demo first and use its paytable screen to confirm the RTP matches what’s written here before switching to real stakes.
FAQ
When was Money Train 3 released?
Money Train 3 launched on 22 September 2022, two years after Money Train 2.
What is the RTP of Money Train 3?
96.10% in standard play, rising to 96.50% if you buy straight into the Money Cart bonus. Both figures are long-run averages rather than a result you’d see in any one session.
What is the max win in Money Train 3?
100,000x the stake, reached through an extended Money Cart round with its columns opened up and several persistent symbols compounding together, rather than through any single spin.
How much does the Money Train 3 bonus buy cost?
There are four options — 20x, 50x, 100x and 500x — each buying a different starting position in the Money Cart, covered in the bonus buy section above.
How often does the Money Cart bonus trigger?
Roughly once every 435 spins — actual results vary a lot given how high the volatility is.
Can I play Money Train 3 for free?
Yes. The demo uses play money on the same maths model as the real-money version, and most casinos that list the game let you try it without registering. See where to play Money Train slots for lobbies that carry it.
Does Money Train 3 have a wild symbol?
Yes, alongside the separate bonus symbol that triggers the Money Cart feature.
What does “persistent” mean for Money Train 3’s special symbols?
It marks a version of Collector, Sniper, Collector Payer or Necromancer that stays active on the grid instead of disappearing when the round moves on, plus the Persistent Shapeshifter, which keeps changing identity every respin rather than vanishing.
Where to play Money Train slots — the series is listed at 1win and VAVADA. Try the demo first. Availability of Relax Gaming titles depends on your country and the casino’s licence.
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