Money Train 4 slot review

Money Train 4 slot in numbers

Money Train is the best-known series from Relax Gaming, a studio founded in 2010 that has made its own slots since 2018 and holds a Gambling Commission licence (account 37462). The fourth game arrived in 2023 and moved the series to a 6x6 grid with scatter pays.

OLBG’s Money Train 4 review (opens in a new tab) confirms the 6x6 scatter-pays grid, the 150,000x cap and the two RTP versions, and describes the game as very high volatility.

How the features work in Money Train 4

Scatter pays on a 6x6 grid

There are no paylines. A win happens when 8 or more matching symbols land anywhere in view on the 6x6 grid. They don’t need to touch or sit on adjacent reels; the count is all that matters.

The base game respin feature

During ordinary spins, a respin feature can trigger at random. It gives the base game an extra chance at a result without starting the full bonus. The paytable explains exactly what the respin does in the version your casino runs.

The Money Cart bonus

Three or more bonus scatters start the Money Cart. It’s a respin round rather than free spins: you begin with 3 spins, and any new symbol that lands sticks in place and resets the count to 3. The round ends when 3 spins pass without anything new sticking.

The bonus grid starts at 6 × 4. Filling rows can open extra rows, up to four more, which gives later symbols more room to land and keeps the round going.

Special symbols in the Money Cart

Much of the value comes from special symbols that change the numbers already on the grid. They include Collectors, Payers, Snipers, Necromancers and Shapeshifters. The Shapeshifters are persistent, which means they stay on the grid and keep acting on later respins rather than working once. Each character’s exact effect is described in the game’s paytable, and the version in your app is the one that counts.

Money Train 4 RTP: 96.1% or 94%?

The default RTP is 96.1%. A 94% version also exists, and OLBG reports it’s the one most UK casinos use. The difference sounds small, but it changes the house edge from 3.9% to 6%, which is a 54% higher average cost per spin.

This table uses an illustrative 350 spins an hour to show both versions side by side. UK rules allow at most 1,440 spins an hour.

Games must make their rules and return information available, as the Gambling Commission’s RTS 3 standard (opens in a new tab) sets out. So you can check which version you’re playing before you stake anything.

1. Open the Money Train 4 game inside your casino app.
2. Tap the menu, info or question-mark icon on the game screen.
3. Find the rules or game information section and look for the RTP or “return to player” figure.
4. If it shows 94%, decide whether you’re comfortable with the higher average cost or prefer a game with a higher RTP.
5. Compare the same game in a different app if RTP matters to you, as casinos choose their own versions.

Our guide on finding a game’s RTP in an app has step-by-step help, and our RTP on mobile explainer explains why apps don’t get a lower RTP by default.

What £20 means on the Money Train 4 slot

Average loss depends on the RTP and the total staked, not the stake size. What the stake changes is how many spins you get. With high volatility and a bonus that carries most of the value, 200 spins at 10p gives you a far better chance of seeing a Money Cart round than 20 spins at £1.

Whichever stake you choose, set a deposit limit in the app first, and look at our budgeting guide for casino apps if you want a simple way to plan sessions.

The Money Train 4 max win in pounds

The cap is 150,000x your stake. At 10p that’s £15,000, at 50p it’s £75,000, at £1 it’s £150,000 and at the £5 UK maximum for players aged 25 and over it’s £750,000.

A cap this high is a sign of how the game’s return is distributed: a very large share sits in very rare outcomes. Most sessions will return less than you stake.

How Money Train 4 compares with earlier games

Each Money Train game has raised the cap. Here are the published figures for the four we cover; the OLBG overview of the Money Train series (opens in a new tab) gives more background.

The biggest change in the fourth game is the grid: scatter pays on 6x6, where Money Train 3 used 40 fixed paylines. Read our reviews of Money Train, Money Train 2 and Money Train 3 to compare. Money Train 2 has the highest listed RTP of the four.

Playing Money Train 4 on iPhone and Android

If your casino app lists Money Train 4, it opens within the app with no extra download. The account and balance are the same as on the casino’s mobile site.

On a phone, the bonus is the most demanding part. Values sit on many symbols, extra rows open, and persistent Shapeshifters keep acting, so small text is the main challenge. A larger phone or tablet helps. Whether it opens upright or sideways depends on the app and game build, as our landscape vs portrait guide explains.

• Install casino apps only from the official App Store or Google Play listing. See iPhone and Android phones.
• If your connection drops mid-bonus, the result is settled on the casino’s server; see what happens if your app crashes.

UK rules for Money Train 4

Since a Gambling Commission warning in January 2020, feature buy-ins are not offered to British players, so the Money Cart is reached only through bonus scatters. The speed and autoplay rules come from RTS 14 (opens in a new tab); see our pages on slot stake limits and RTP information rules.

Who the Money Train 4 slot suits

It suits players who already enjoy the Money Cart and are comfortable with high-risk games, ideally at a casino running the 96.1% version. For more choice, browse our full list of slot reviews or our ranking of the best slot apps.

Where to play Money Train slots with a welcome offer

We can’t confirm which partner apps carry Money Train 4 or which RTP version they run, so check the lobby and the game’s info screen. The offers below are spins on selected slots. 18+ and terms apply.

• PlayOJO: new UK customers (not Northern Ireland) who make a first deposit of £10 or more get 80 free spins on Big Bass Bonanza, 10p each. No wagering: winnings are paid in cash. Only through the designated offer link and not alongside other offers.
• Coral: from 1 October 2026 to 1 February 2027, new players who deposit and bet £10+ on slots get 100 free spins on selected games at 10p each. Accept within 48 hours; use within 7 days; no wagering on winnings. Deposits by Skrill, PayPal, Neteller, Paysafe, prepaid cards or certain debit cards are excluded.
• Ladbrokes: deposit and spend £10+ on slots as a new customer to get 50 free spins a day for 10 days (maximum 500), 10p each on selected games. Claim before 23:59 daily; valid 7 days; no wagering. Prepaid cards, PayPal, Paysafe, Neteller, Skrill and Moneybookers deposits are excluded.

Welcome spins are played at 10p and the house edge applies to each one. Coral and Ladbrokes are both run by LC International Limited (Entain), so you may not be able to hold new accounts at both.

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.