Money Train 4 is the fourth game in Relax Gaming’s Money Train series, and the one that broke the format on purpose: gone are the 40 fixed paylines and the wild every earlier entry relied on, replaced by a 6×6 scatter-pays grid where matching enough symbols anywhere is all that counts. Released on 20 September 2023, it pushed the series cap to a still-unbeaten 150,000x and armed the Money Cart bonus with the largest special-symbol roster Relax Gaming has built for this format. At launch it was pitched as the finale of the series — a position Money Train 5’s 2026 announcement has since quietly retired.
Key facts
| Detail | Money Train 4 |
|---|---|
| Provider | Relax Gaming |
| Release | 20 September 2023 |
| Grid / paylines | 6×6, scatter pays (no paylines) |
| RTP | 96.10% (96.50% with the bonus bought); 94.00% and 90.00% versions also exist |
| Volatility | High |
| Hit frequency | 20.14% |
| Max win | 150,000x the stake — series record |
| Bet range | 0.10–6 per spin |
| Bonus buy | 100x / 500x |
How the base game works
Scatter pays, no wild
There’s no wild symbol in Money Train 4, and no fixed paylines either — a genuine departure from every other game in the series. A win needs at least eight matching high-value symbols or at least ten matching low-value symbols landing anywhere across the 36-position grid, with payouts running from 0.4x up to 1,000x depending on how many symbols join in. A separate Respin feature can still trigger in the base game: the most common symbol on the grid sticks in place, and a multiplier builds across the respins that follow it.
That paytable is worth studying before real money is involved, since scatter pays reward symbol count rather than symbol position, which reads differently from the line-based first three games at a glance.
The Money Cart bonus in Money Train 4
Three or more scatters trigger the Money Cart, which opens with three respins and bonus symbols worth 1–10x apiece. The bonus grid starts narrower than the base game — six columns by four rows rather than six by six — but it grows: a completely filled row adds another row, up to four times, so a long round can finish on a grid as tall as six columns by eight rows.
Special symbols in Money Train 4
Relax Gaming built 23 special symbols into Money Train 4’s Money Cart — comfortably the largest roster in the series. Several are adjacency or persistence variants of a smaller set of core roles:
| Symbol | What it does | Persistent version |
|---|---|---|
| Collector | Collects the value of every bonus symbol on the grid | Yes |
| Payer | Adds its own value to every symbol currently visible | Yes |
| Adjacent Collector / Adjacent Payer | Named variants of Collector and Payer; no separate mechanic is published beyond the name | Yes (both) |
| Sniper | Targets symbols on the grid and doubles their value | Yes |
| Collector Payer | Combines the Collector and Payer roles in a single symbol | Yes |
| Arms Dealer | Converts ordinary bonus symbols into special symbols | Yes |
| Necromancer | Brings back special symbols already used earlier in the round | Yes |
| Shapeshifter | Changes into a different special symbol on every respin | Always — only appears as Persistent Shapeshifter |
| Upgrader | Makes another symbol on the grid persistent | — |
| Reset Plus | Adds an extra spin to the respin count | — |
| Unlocker | Confirmed as one of the 23 special symbols; no distinct mechanic is documented for it | — |
That’s twelve of the twenty-three by name — several more are simply the persistent forms already folded into the table above. The honest gap is Unlocker, which is listed without any description of what it actually unlocks. For how these same roles compare with the rest of the series, the Money Cart glossary has the full picture.
As the screenshot above shows, one recorded round finished with the grid fully built out and a total of 1,322x the stake — a genuinely strong result, and still well short of the 150,000x ceiling.
Bonus buy
| Price | What it buys |
|---|---|
| 100x | Enters the standard Money Cart round, with nothing pre-loaded |
| 500x | Enters the round with one persistent special symbol already placed on the grid |
Both prices convert your balance into a Money Cart entry far faster than grinding the base game for a natural trigger, so the fair comparison is spins-per-stake, not the headline RTP figure. The bonus buy guide lines these two prices up against every other game’s options. This buy menu, like every other one in the series, can be switched off entirely depending on the casino’s licence and location — treat its presence as a bonus rather than a given, and check the game’s own menu for a definitive answer.
Max win and volatility
150,000x is the single most extreme result Money Train 4’s maths model can produce, and it took the series record from Money Train 3 the year after that game set it. Reaching it means the Money Cart’s row-by-row expansion running all the way to eight rows while enough persistent symbols — Adjacent Collector, Adjacent Payer, Arms Dealer conversions and the rest — stack value across the round. For every session that gets anywhere close, a great many don’t, so read 150,000x as a ceiling rather than an expectation.
The big win screen above records a total of 2,644.00 — a cash figure, not a multiplier, since it doesn’t state the stake behind it — and it’s nowhere near the 150,000x ceiling, which is exactly the point: most strong results land far short of the published maximum.
RTP sits at 96.10% in standard play and rises to 96.50% with the bonus bought, but this is one of only a few games in the series where a casino might legitimately be running something else entirely: 94.00% and 90.00% versions of Money Train 4 also exist, and Relax Gaming leaves the choice of which one to switch on to the operator. Check the information screen inside the game itself before assuming the figures here apply to your session — our max win guide covers how this compares with the rest of the series. High volatility, in practical terms, means long dry spells between anything the base Respin or the Money Cart pays out.
Money Train 4 vs the rest of the series
| Game | Release | RTP | Max win | Grid | Bonus buy |
|---|---|---|---|---|---|
| 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); 94.00%/90.00% versions exist | 150,000x | 6×6, scatter pays | 100x / 500x |
| Money Train 5 | 24 September 2026 | 96.10% | 50,000x Standard / 100,000x Ultra | 5×4, 40 lines | 10x–2,000x |
Money Train 4 is the structural outlier of the three. It drops the 40-line, 5×4 format the rest of the series was built on and replaces the wild with a straightforward count of matching symbols anywhere on a 6×6 board. What it gains is the series’ highest hit frequency, the deepest special-symbol roster, and the outright record for how high a single round can pay. That record held for nearly three years as the billed series finale, until Relax announced Money Train 5 for 24 September 2026 — a game that goes back to the 5×4 format rather than building on this one’s scatter-pays approach.
Verdict
The scatter-pays redesign is the boldest structural swing anywhere in the series, and it mostly lands: dropping paylines and the wild in favour of an eight-plus-symbols-anywhere format could have read as a gimmick, but backing it with the largest special-symbol roster Relax Gaming has built for the format and a series-record 150,000x cap makes the change feel earned rather than cosmetic. It was scored a perfect 10/10 in review on release. I land one point under that, at nine — not because anything here feels unfinished, but because trading away paylines and the wild in one move is a bigger adjustment than most players expect walking in, and the base game between Money Cart rounds asks you to recalibrate what a “win” looks like before you can judge it fairly.
Play Money Train 4 demo
The demo runs the same scatter-pays maths as the real-money version, so it’s the right place to see how differently this game pays compared with the rest of the series before staking anything. Try the Money Train 4 demo and check its information screen for the exact RTP in play, since Money Train 4 is one of the few games here where casinos can run a lower-RTP version.
FAQ
When was Money Train 4 released?
20 September 2023, a year after Money Train 3.
What is the RTP of Money Train 4?
96.10% in standard play, rising to 96.50% with the bonus bought. Versions running 94.00% and 90.00% also exist, so it’s worth checking the information screen at whichever casino you’re using.
What is the max win in Money Train 4?
150,000x the stake — the highest published ceiling anywhere in the Money Train series.
How much does the Money Train 4 bonus buy cost?
Two options: 100x for a standard Money Cart entry, or 500x for one that starts with a persistent special symbol already on the grid.
Does Money Train 4 have paylines or a wild symbol?
No to both. Wins come from matching scatter symbols anywhere on the 6×6 grid rather than along fixed lines, and there’s no wild in the base game.
How often does the Money Cart bonus trigger?
Roughly once every 387 spins, with the base game’s separate sticky-respin feature landing far more often, around once every 25 spins.
Can I play Money Train 4 for free?
Yes, through the demo mode, which uses play money on the same maths model. See where to play Money Train slots for lobbies that carry the real-money version.
Is Money Train 4 the last game in the series?
It was positioned that way on release in 2023, but Relax Gaming announced Money Train 5 for 24 September 2026, so it no longer holds that title.
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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