Money Train 4 slot review

Why the Money Train 4 slot is the biggest change in the series

For three games, Money Train meant a 5x4 grid with 40 fixed lines. The fourth game drops that. Relax’s product page describes it as scatter pays, the same broad approach that Pragmatic Play popularised with Sweet Bonanza, where position doesn’t matter and only the count of a symbol on screen counts. The Money Cart respin bonus survives, now packed with what the developer advertises as more than 20 features.

That makes the fourth game the best entry for players who found the earlier base games dull, and the hardest one to read for anyone used to lines.

How scatter pays works in Money Train 4

With pay anywhere wins, eight or more identical symbols anywhere on the grid form a win, whether they touch or not. More symbols pay more, following the tiers in the paytable. A spin showing eight of one symbol and nine of another would pay both, separately.

Relax doesn’t publish a hit rate, so we can’t say how often a win lands. What the table does show is that the bonus still carries the weight of the maths, as it did in every earlier game.

The Arms Dealer and Bonus symbol trading

The new character is the Arms Dealer, who, in Relax’s words, gives out features in exchange for Bonus symbols at any time. Rather than Bonus symbols only counting towards a trigger, they become something you collect and can spend. The game’s own help screen sets out the prices and what each purchase does in your version.

Two cautions apply. First, trading inside the game is part of the slot’s design and is priced into its RTP, so it isn’t a way to get value the maths hasn’t accounted for. Second, it isn’t the same as a bonus buy: you’re spending symbols won during normal play, not paying extra money. Paying cash to skip to the bonus, which Relax lists for some markets, isn’t offered in Great Britain.

Money Cart 4: Unlocker, Reset, Upgrader and Respin

The bonus keeps the series’ format: cash symbols stick, characters act on them, and the round ends when respins run out. Relax names four features worth understanding.

Unlocker

Reveals more rows. The bonus grid starts at six by four and can grow to six by six, so each Unlocker adds space for more cash symbols and more targets for characters.

Reset

Refills the spin counter, extending the round beyond its normal life.

Upgrader

Gives other features a persistent edge, meaning they keep acting on later respins rather than once.

Respin

Described by Relax as taking the base game to new levels; the help screen explains how it is applied in your version.

Many of the returning collector-style characters from earlier games sit alongside these. The common thread is that rare combinations, a big grid plus persistent characters plus a Reset or two, produce the very large results, while most rounds end long before that.

Getting started with Money Train 4

1. Check the RTP in the help screen. Relax lists a UK game ID ending in _92, so a 92% version may be live.
2. Read the scatter pay tiers so you know what eight, ten or twelve of a symbol pays.
3. Open the Arms Dealer menu and note what each feature costs in Bonus symbols.
4. Pick a stake within UK limits: £5 a spin from age 25, £2 a spin for 18 to 24.
5. Spin manually; UK slots have no autoplay or turbo and take at least 2.5 seconds a spin.
6. Use reality checks or a timer, and stop at the limit you set before starting.

Money Train 4 RTP and volatility

The published RTP is 96.1%: a theoretical £3.90 kept for every £100 staked. If your casino runs a 92% version, that rises to £8.00 per £100, more than double. Volatility is high, so actual sessions vary far more than these averages suggest.

Our guide to why RTP differs between casinos explains how sites choose versions and why it’s worth checking every game.

Max win: 150,000x and what it means

Relax calls the 150,000x cap “ultra achievable”, but that is marketing language; the probability isn’t published and should be assumed to be very small. In pounds, the cap is £15,000 on a 10p spin and £750,000 at the £5 UK maximum. Like other win caps, the round ends when it’s reached and the capped amount is paid.

Money Train 4 vs other scatter-pays slots

Sweet Bonanza and Gates of Olympus use tumbling wins and multipliers in free spins; Money Train 4 instead routes its value through a respin bonus with collectable features. Its cap is far higher, which goes with swingier results.

Pros and cons of Money Train 4

It suits players who know the series and want something different from the 40-line formula. Newcomers may prefer to start with a simpler game; the series continues with Money Train 5 in Relax’s catalogue.

Where to play Money Train 4 in the UK

Many UKGC-licensed casinos list Money Train 4, but always search the lobby yourself and confirm the RTP in the help screen. The offers below come from sites with clear published terms: Casumo and 10bet give bonus funds with 10x wagering and game restrictions, while Coral’s spins are on selected slots. 18+, terms apply.

18+. Gambling should be entertainment that costs money, not a way to make it. Set a deposit limit before you play: how to set limits. Free, confidential help: National Gambling Helpline 0808 8020 133.