Money Train 3 Online Slot Review
We put genuine time into testing Money Train 3, and this Money Train 3 slot review is built on real hands-on play across multiple sessions. Released by Relax Gaming on 22 September 2022, this futuristic heist pokie is the third instalment in one of the most celebrated slot series ever made, and it raises the stakes in just about every way. With a 96.10% RTP, a maximum win of 100,000x your bet, 40 paylines across a 5×4 grid, and a Money Cart Bonus Round packed with special modifier symbols, there is a serious amount to get through here. We cover all of it so you know exactly what to expect before you spend a dollar.
| Provider: | Relax Gaming |
| RTP: | 96.10% |
| Type: | Video Slots |
| Launched: | 2022 |
| Volatility: | High |
| Max Win: | 100000x |
| Min/Max Bet: | $0.10/$10.00 |
Money Train 3 Demo
Where To Play Money Train 3
- FastPay100% up to NZ$750 + 100 Free SpinsSecond deposit bonus 75% up to NZ$75
Author: Liam Harrington
Money Train 3 Slot Game Overview
Money Train 3 is a 5-reel, 4-row video slot from Relax Gaming, released on 22 September 2022 as the third game in the Money Train series. It runs on 40 fixed paylines with a left-to-right win structure, and the Money Train 3 online slot carries a high-volatility rating that Relax Gaming scores at a maximum 5 out of 5 on their own scale. The RTP sits at 96.10% in the base game and increases to 96.50% when using any of the four bonus buy options. The maximum possible win is 100,000x your total bet, which is double the ceiling of Money Train 2 and firmly in the top tier of any non-jackpot slot on the market. That number is achievable only through the Money Cart Bonus Round, where the game’s special modifier symbols do their best work.
Our review of Money Train 3 found the base game to be more engaging than its predecessors, partly thanks to the randomly triggered Respin feature. The hit frequency sits at 19.35%, meaning roughly one in every five spins returns something, though the base game wins themselves are rarely impressive. The pace is energetic and the futuristic visual design is sharp, with the skull-fronted locomotive and neon-lit reels creating a real sense of atmosphere. The game feels fast and intense even before the bonus fires. When it does, and the special symbols start interacting, the experience is unlike almost anything else in the market.
Money Train 3 RTP, Payout, and Volatility
The Money Train 3 slot review numbers are solid. The base game RTP of 96.10% sits just above the industry average of around 96%, meaning players theoretically get back $96.10 for every $100 wagered over a very long run. If you use the bonus buy feature, the RTP increases slightly to 96.50%. It is worth noting that RTP is a long-term figure calculated across millions of spins and is not a guarantee of what you will earn in any single session. Think of it as a rough guide to how player-friendly the maths are, not a promised return rate.
On the paytable side, the Money Train 3 online slot splits its symbols into two tiers. The lower-paying symbols are the four card suits, diamonds, clubs, hearts, and spades, returning between 3x and 5x your bet for five of a kind. The higher-paying character symbols, the Necromancer, Collector, Sniper, and Collector-Payer, pay between 8x and 20x your stake for five across a payline, with the top character delivering the 20x result. These line wins are not the main event. The maximum win of 100,000x your bet is only reachable through the Money Cart Bonus Round, and it requires the right combination of special modifier symbols to get there. For context, Money Train 2 capped at 50,000x. Going to 100,000x puts Money Train 3 among the highest win-ceiling slots ever released.
| Slot Name | Money Train 3 |
|---|---|
| Game Provider | Relax Gaming |
| RTP | 96.10% |
| Volatility | High |
| Paylines | 40 |
| Bonus Buy | Yes |
| Progressive Jackpot | No |
Volatility in a slot game is a measure of how risky the game is to play. A low-volatility slot pays out smaller amounts more often. A high-volatility slot pays out much less frequently but in larger amounts when it does. Money Train 3 sits at the absolute top of the volatility scale. Relax Gaming gives it a 5 out of 5 on their own rating system, which is the maximum possible score. Most slots on the market sit somewhere in the medium range, so this game is a significant step above what the majority of players are used to.
In practice, what this means is that the base game can go through extended quiet periods. The 19.35% hit frequency means wins land on about one in every five spins, but many of those wins are small recoveries from the card symbols rather than session-changing amounts. Relax Gaming reports that wins above 15x only appear once every 82 spins on average, and wins above 30x once every 185 spins. The real action is concentrated in the Money Cart Bonus Round, which triggers on average roughly once every 434 spins. That is a long wait, and it is worth knowing before you sit down. When the bonus fires and the special modifier symbols start stacking and interacting, the shift in tempo is dramatic.
Money Train 3 Special Features and Bonus Options
The Money Train 3 online slot bonuses are centred almost entirely on one main event: the Money Cart Bonus Round. This is not a game that buries you in minor random modifiers during normal play. The base game has the Respin feature to keep things ticking, and the wild symbol helps build line wins, but the real depth of the game lives inside the bonus. The Money Train 3 slot game features an impressive roster of special modifier symbols inside the Money Cart round, including Collectors, Snipers, Necromancers, Absorbers, Tommy Guns, and Persistent versions of several of these. Games like Dead or Alive 2 and Wanted Dead or a Wild offer big win potential through sticky wilds, but few slots match the sheer complexity and interaction of Money Train 3’s bonus symbol ecosystem. The bonus buy system with four distinct entry points is also more generous and flexible than most comparable games, making the feature accessible without forcing you to wait hundreds of spins.
Money Cart Bonus Round
The Money Cart Bonus Round is triggered by landing 3 or more bonus symbols anywhere on the 5×4 grid. Once triggered, the bonus symbols that caused the trigger reveal a cash value between 1x and 10x your bet, and the feature starts with 3 spins. Every time a new symbol lands, the spin counter resets to 3. The round ends when the counter reaches zero or the grid runs out of space. If you fill an entire reel column with symbols, an extra column is unlocked, expanding the grid and giving more room for symbols to land. This expansion mechanic is one of the reasons Money Train 3 can reach its enormous win ceiling when everything goes right.
Inside the bonus round is where the special modifier symbols come to life. The Collector gathers all visible values and adds them to its own, then pays out the total. The Sniper doubles the value of 3 to 8 other bonus symbols, and can target the same symbol more than once. The Collector-Payer collects values from 3 to 5 symbols and then distributes that combined total back out to those same symbols. The Necromancer resurrects 2 to 7 already-used non-persistent special symbols and puts them back into play. The Absorber removes all normal bonus symbols from the reels after soaking up their values, making room for more symbols. The Tommy Gun Sniper targets one symbol and doubles its value up to 6 times. The Tommy Gun Payer reveals a value between 5x and 100x and adds it to one randomly picked symbol up to 10 times. When these symbols interact with each other across multiple spins, the multiplier stacking is what pushes wins toward the 100,000x ceiling.
Persistent Symbols
Persistent symbols are the most powerful elements in the features on Money Train 3 online slot and the primary driver of the game’s extreme win potential. Unlike regular special symbols that activate once and are used up, persistent versions activate at the end of every remaining spin in the bonus round. The Persistent Collector gathers all visible values on every spin and adds them to its own, compounding continuously. The Persistent Sniper doubles the value of 3 to 8 symbols on every spin for the remainder of the feature. The Persistent Collector-Payer selects 3 to 5 target symbols, collects their values, adds them to its own, and then pays that updated total back out to those targets on every spin. The Persistent Necromancer revives 1 to 7 non-persistent special symbols on every spin. The Persistent Shapeshifter is the wildcard. It changes into a different special symbol after each spin, randomly becoming a Collector, Collector-Payer, Sniper, Tommy Gun Sniper, or Tommy Gun Payer. Landing a Persistent Collector alongside a Persistent Sniper in the same bonus round, with several standard Money symbols already on the grid, is the combination that produces the game’s most extraordinary outcomes.
Respin Feature
The Respin feature in Money Train 3 is a base game mechanic that triggers randomly on any non-winning spin. When it activates, one symbol currently on the reels is selected at random and becomes sticky, locking in place. The remaining reels then spin again, giving the sticky symbol a chance to be joined by more of the same type. During the respin, a multiplier of 1x, 2x, or 3x can also be awarded, which applies to any winline formed from the sticky symbol. This feature is one of the improvements over Money Train 2, where respins required two scatter symbols to land rather than triggering at random. It gives the base game a meaningful secondary layer of activity and can occasionally produce wins worth dozens of times your stake without triggering the full bonus. It also helps to sustain your bankroll between bonus triggers, which given the bonus fires roughly once every 434 spins, is a genuinely useful design choice.
How To Play Money Train 3
Money Train 3 is more involved than most pokies, but the core steps are straightforward once you understand what to focus on. The 5×4 grid with 40 paylines handles line wins automatically, and the most important thing to know going in is the role of the Money Cart Bonus Round and how the modifier symbols inside it work. Here is how to get started.
- 1
Set your bet size
Use the controls at the bottom of the screen to choose your stake. Money Train 3 accepts bets from $0.10 to $10.00 per spin. The bet range is narrower than many other pokies, so there is less room to scale up or down than you might expect. Given the extreme volatility, starting at a stake that allows you at least 300 spins on your session bankroll is a sensible approach. - 2
Spin the reels and watch for line wins
Hit the spin button and watch the 5 reels across 4 rows settle. Wins are paid left to right across 40 fixed paylines from the first reel. The top character symbols pay up to 20x your bet for five of a kind, but most base game wins are modest amounts from the card suit symbols. The wild symbol, a gas mask icon, substitutes for all regular paying symbols and can appear on any reel. - 3
Watch for the randomly triggered Respin feature
If a spin produces no win, the Respin feature can activate at random. When it does, one symbol on the grid is selected and made sticky, and you get one extra spin. A multiplier of 1x, 2x, or 3x can also apply. This feature triggers without any action from you and can turn a blank spin into a meaningful result. - 4
Trigger the Money Cart Bonus Round with 3 or more bonus symbols
The bonus symbol is a coin icon labelled BONUS. Land 3 or more anywhere on the grid to trigger the Money Cart Bonus Round. The triggering symbols reveal cash values between 1x and 10x your bet and you start with 3 spins. Every new symbol that lands resets the spin counter back to 3. The round ends when the counter reaches zero or the grid fills up completely. - 5
Use the bonus buy options to enter the feature directly
If you do not want to wait for the bonus to trigger naturally, Money Train 3 has four bonus buy options. The 20x bet option gives you 1 starting spin. The 50x option gives you 2 starting spins. The 100x option gives you the standard 3-spin bonus. The 500x option gives you 3 starting spins plus a randomly selected persistent modifier symbol from the start, which is the option with the highest potential. The bonus buy RTP is 96.50%, slightly higher than the base game rate.
Money Train 3 Online Slot: Pros and Cons
Money Train 3 is one of the most well-crafted high-volatility slots ever released, and after extensive testing it genuinely lives up to its reputation. The Money Cart Bonus Round is deep, inventive, and capable of producing wins that very few slots in the world can match. The 100,000x maximum win is real and documented. The bonus buy system gives you four entry point options, which is more flexible than most comparable games. The Respin feature keeps the base game from feeling completely empty between triggers. That said, the max bet of $10 per spin is low by high-roller standards, the bonus triggers very infrequently at roughly one in every 434 spins, and the sheer complexity of the modifier symbols can be overwhelming for newer players. This is a game built for experienced, patient, high-volatility enthusiasts with realistic expectations.
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Maximum win of 100,000x is one of the highest available in any non-jackpot slot on the market. - Four bonus buy options starting at just 20x your bet give flexible access to the feature.
- Money Cart Bonus Round is one of the deepest and most inventive bonus mechanics ever built into a slot.
- Respin feature gives the base game meaningful activity between bonus triggers.
- Futuristic visual design and cinematic intro are among the best production values in the slot industry.
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Maximum bet of $10.00 per spin is low for high-roller players chasing big dollar-value payouts. - Bonus triggers roughly once every 434 spins on average, requiring a large bankroll and a lot of patience.
- The number of modifier symbols inside the bonus is complex and can be confusing for newer players.
Money Train 3 Final Thoughts
Money Train 3 is about as good as a slot sequel gets. Across our testing sessions the base game delivered what the volatility label promises. Wins land often enough via the 19.35% hit frequency to keep the session going, but the real reason you are here is the Money Cart Bonus Round. When it fires and the persistent modifier symbols start stacking across multiple spins, the experience is genuinely unlike anything else in the slot market. A Persistent Collector working alongside a Persistent Sniper with a grid full of high-value Money symbols is one of the most spectacular things a pokie can produce. The $10 maximum bet is a genuine limitation for bigger players, and the long gap between bonus triggers demands patience and a well-sized bankroll. But within those constraints, Money Train 3 delivers the most complete high-volatility experience Relax Gaming has produced.
We would recommend Money Train 3 to players who are comfortable with extended dry spells, have a bankroll that covers at least 300 to 500 spins at their chosen stake, and are chasing genuinely big potential rather than frequent small wins. Try the demo version first to understand the pace and to get familiar with what each modifier symbol does before committing real money. If you find the base game too quiet, the bonus buy options starting at just 20x your bet give you a fast way into the feature without grinding through hundreds of spins. For serious high-volatility players, this is as close to a must-play as the slot market gets.
FAQ
What is the RTP of Money Train 3?
Money Train 3 has a base game RTP of 96.10%, which sits just above the online slot industry average of around 96%. If you use any of the four bonus buy options, the RTP increases to 96.50%. RTP stands for Return to Player and is a theoretical figure calculated over millions of spins. It is not a guarantee of what you will personally win in any individual session. Relax Gaming publishes these figures officially and the RTP is consistent across all licensed casinos carrying the game.
How does the Money Cart Bonus Round work in Money Train 3?
The Money Cart Bonus Round triggers when 3 or more bonus symbols land anywhere on the 5×4 grid. The triggering symbols reveal cash values of 1x to 10x your bet and the feature starts with 3 spins. Every new symbol that lands resets the counter back to 3. Special modifier symbols including the Collector, Sniper, Necromancer, Absorber, Tommy Gun Sniper, Tommy Gun Payer, and their Persistent versions all interact with each other to build up the total win. Filling a full reel column with symbols also unlocks an extra reel column, expanding the grid.
What is the maximum win in Money Train 3?
The maximum win in Money Train 3 is 100,000x your total bet, which is the game’s hard cap. If a bonus round reaches this figure, the round ends immediately and 100,000x is awarded. At the maximum bet of $10.00 per spin, that equates to a $1,000,000 payout. This is only achievable through the Money Cart Bonus Round via the right combination of persistent modifier symbols. Fourteen players reportedly hit the maximum win within the first four days of the game’s release in September 2022.
Does Money Train 3 have a bonus buy feature?
Yes, Money Train 3 has four bonus buy options. The 20x bet option buys into the bonus with 1 starting spin. The 50x option gives 2 starting spins. The 100x option gives the standard 3-spin bonus. The 500x option gives 3 starting spins plus a randomly chosen persistent modifier symbol from the start of the round. The bonus buy RTP is 96.50%, slightly higher than the 96.10% base game rate. Bonus buy availability depends on your region and the specific casino you are playing at.
How often does the bonus trigger in Money Train 3?
Based on player data and published statistics, the Money Cart Bonus Round triggers approximately once every 434 spins on average in normal base game play. This is significantly less frequent than most slots, which reflects the game’s extreme volatility and the size of the potential payouts. If you find the wait frustrating, the bonus buy options starting at 20x your bet are a practical way to access the feature without grinding through hundreds of spins.
Is Money Train 3 suitable for beginners?
Money Train 3 is not well suited to beginners. The extreme volatility means the base game can go through long stretches without meaningful wins, which can be discouraging for players who are not expecting it. The Money Cart Bonus Round also features a large number of special modifier symbols that interact with each other in complex ways, which takes time to understand. We recommend trying the free demo version to get familiar with the game mechanics and the pace before playing with real money. If you are new to online pokies, starting on a medium-volatility title with a simpler feature set would give you a much more comfortable introduction.
If you enjoy the extreme volatility and massive bonus potential of Money Train 3, there are a few other titles worth exploring. Money Train 2 from Relax Gaming delivers the same Money Cart Bonus Round with a 50,000x maximum win and a slightly different symbol set. Dead or Alive 2 by NetEnt carries an even higher 111,111x ceiling and a different sticky wild mechanic. Wanted Dead or a Wild from Hacksaw Gaming offers a Wild West theme with a bonus buy option and a 12,500x win cap at a higher maximum bet. For players who want the Money Train feel in a shorter format, Money Cart 2 by Relax Gaming drops straight into the bonus-style mechanic without a base game grind. Here are some popular titles our readers also enjoy.
