Money Train 3 slot review

Money Train 3 slot at a glance

Money Train 3 is the third game in the Relax Gaming series that began with Money Train in 2019. It arrived in 2022 and kept the series’ Wild West heist theme, but raised the stakes on paper: the cap jumped to 100,000x, five times the original’s ceiling.

The reel set is the same shape as before, 5 reels by 4 rows, with 40 fixed paylines. Fixed means every spin covers all 40 lines, so your stake is spread across them and you can’t switch lines off to play cheaper.

Figures here are the published specifications. A game can be supplied to casinos in more than one RTP version, so confirm the number in the game’s own help screen inside your app.

How the features work in Money Train 3

The game has two layers: a base game with a wild and a random respin feature, and the Money Cart bonus where nearly all of the big results live.

Base game: wilds and the random respin

In the base game a wild stands in for the ordinary pay symbols to help complete line wins. Now and then a respin feature can start at random. When it does, one symbol type is held in place while the rest of the grid spins again, and multiplier symbols landing during that feature add to the win.

The Money Cart bonus

Land three or more bonus symbols and you enter the Money Cart. This is a hold-and-win style round, not a free spins round. You start with three respins. Any new symbol that lands sticks and resets the counter to three, and the round ends only when you use up all three respins without anything new arriving.

Money Train 3 adds a twist to that format. Filling the reels opens extra reels, which gives the round more space for symbols to land. Special symbols then work on the values already on screen, and some of them come in persistent versions that keep acting on every respin rather than just once.

Money Train 3 RTP, volatility and cost per hour

The published RTP of 96.1% means the game is designed to return £96.10 for every £100 staked over a very large number of spins. The house edge is the other 3.9%, and that is your average cost: stake × 3.9%.

The cost per hour depends on how many spins you play. UK rules set a minimum of 2.5 seconds per slot spin, so the hard ceiling is 1,440 spins an hour. Most people play slower, so the table uses an illustrative 400 spins an hour.

Volatility describes how that cost arrives. Relax rates this game at the top of its scale, which means the return is concentrated in rare, larger results. In practice, a session can pass with little more than small line wins, and your real result can sit far above or below the averages in the table.

A £20 budget on the Money Train 3 slot

A fixed budget is the clearest way to keep a high-volatility game under control. Here’s how £20 stretches at three common stakes, assuming you don’t re-stake winnings.

The average loss is the same 78p at every stake, because it’s 3.9% of £20. What changes is how many spins you get. With a top-of-scale game, fewer spins means a higher chance your budget runs out before the bonus shows up.

1. Pick a budget you’re happy to spend on entertainment, and decide it before opening the app.
2. Set a deposit limit in your casino account so the budget is enforced for you.
3. Choose a stake that gives you enough spins; at 10p, £20 lasts 200 spins.
4. Keep an eye on the net spend and time played, which UK casino games must show in real time.
5. Stop when the budget is gone, and don’t top up to chase a bonus that hasn’t landed.

Money Train 3 max win in pounds

The top prize is capped at 100,000x your stake. At 10p that’s £10,000, at £1 it’s £100,000 and at the £5 UK maximum for players aged 25 and over it’s £500,000.

That ceiling describes how the game is built, not what you should expect. A very high cap usually comes with a payout pattern where most sessions return less than you put in and the large results are rare. Treat the figure as a limit, not a target.

Playing Money Train 3 on iPhone and Android

Money Train 3 runs inside a casino app or mobile browser like other modern HTML5 slots, so there’s nothing separate to download. Whether it opens in portrait or landscape depends on the casino’s app and the game build; our guide to landscape vs portrait mode explains what to expect.

The Money Cart is the busiest part on a phone. Values sit on top of symbols, extra reels open and persistent symbols keep acting, so small text is the main issue on compact screens. Turning the phone sideways, if the game allows it, usually makes the values easier to read.

• Install casino apps only from the Apple App Store or Google Play, and check that the publisher matches the casino. See our pages on iPhone casino apps and Android phones.
• Long respin rounds keep the screen on, so battery and data use rise during a bonus.
• If the connection drops mid-round, UK technical standards set out how interrupted games are handled; our guide on what happens to a bet if your app crashes covers this.

UK rules for Money Train 3 in casino apps

British versions of online slots must follow the Gambling Commission’s technical standards, so Money Train 3 in a UK app can differ from versions offered elsewhere.

The stake caps come from the Commission’s online slots stake limit guidance (opens in a new tab), and the speed and celebration rules sit in RTS 14 on responsible product design (opens in a new tab). Our pages on slot stake limits and game design rules explain both.

Since a Gambling Commission warning in January 2020, feature buy-ins are not offered to British players. In a UK app you reach the Money Cart only by landing the bonus symbols in normal play.

Money Train 3 vs the rest of the series

Each sequel keeps the Money Cart idea and changes the numbers. This table uses only verified specifications.

Money Train 2 has the highest RTP of the four, while Money Train 3 doubled its predecessor’s cap. Money Train 4 pushes the ceiling higher again on a bigger grid. If you want the same studio with a different shape, Iron Bank and Hellcatraz are also from Relax.

Money Train 3 slot review verdict

Money Train 3 is built for players who enjoy one long, layered bonus round and accept that most sessions won’t reach it. The extra reels and persistent symbols give the Money Cart more depth than the original, but the top-of-scale volatility makes it an expensive game to play at high stakes on a small budget.

Where to play Money Train 3 with a casino app welcome offer

Our partner apps don’t publish full game lists, so search each app’s lobby for Money Train 3 before you sign up. The welcome offers below are slot offers on selected games, so don’t assume their spins can be used on this title. 18+ and terms apply to all of them.

• PlayOJO: new UK customers (excluding Northern Ireland) who make a first deposit of at least £10 get 80 free spins on Big Bass Bonanza, worth 10p each. There’s no wagering, so winnings are paid in cash. It can’t be combined with other offers.
• Coral: new players who deposit and bet £10 or more on slots get 100 free spins on selected games at 10p each, with 48 hours to accept and 7 days to use them. No wagering on free spin winnings; some payment methods, including PayPal and prepaid cards, don’t qualify.
• Ladbrokes: new customers who deposit and spend £10 or more on slots get 50 free spins a day for 10 days, up to 500, at 10p each on selected games. Claim before 23:59 each day; spins last 7 days, with no wagering. PayPal, prepaid cards and some e-wallets don’t qualify.

Coral and Ladbrokes are both run by LC International Limited, so you may not be able to open new accounts with both. For more choice, see our best slot apps and the full slot reviews hub. If gambling stops being fun, GamCare (opens in a new tab) runs the free National Gambling Helpline on 0808 8020 133.

18+. Every casino game has a built-in house edge, so over time you should expect to lose what you stake. Set a budget before you play and stop when it’s gone: safer gambling tools and support. Free, confidential help: National Gambling Helpline 0808 8020 133.