Money Train 4 slot review

Money Train 4 slot quick facts

Money Train 4 is the fourth main game in Relax Gaming's best-known series. Relax, founded in 2010 and licensed in Great Britain under Gambling Commission account 37462, kept the Money Cart bonus that defines the series but rebuilt the base game around a square grid and scatter pays.

How the features work in Money Train 4

Scatter pays on a 6×6 grid

There are no paylines. After each spin the game counts every symbol type on the 36 positions, and any type with eight or more copies anywhere pays. Position doesn't matter: eight matching symbols spread around the grid pay exactly as eight in a neat block would. That's different from cluster pays, where matching symbols must touch.

Random base game respins

A respin feature can trigger at random on a base spin, giving an extra chance at a win without a new stake. It's separate from the main bonus and arrives without warning.

The Money Cart bonus

Three or more bonus scatters start the Money Cart. Play moves to a bonus grid that begins six positions wide and four rows high, and you get three spins. Each time a new symbol sticks, the spin count resets to three. Filling rows can open up to four extra rows, each adding another six positions to fill. The round ends when three spins in a row add nothing.

Special symbols

Collectors, Payers, Snipers and Necromancers all act on the values already on the grid, and persistent Shapeshifters keep working through the round. Together they decide whether a bonus pays a few times the stake or something far larger. The help screen lists exactly what each one does and in which order they act. Our hold and win guide explains the general format.

Money Train 4 RTP: 96.1% or 94%?

This is the most important practical point about Money Train 4. Relax publishes 96.1% as the default, but OLBG's review says a 94% version is the one used by most UK casinos. Both versions play identically; the difference is in how much of each stake comes back over the long run.

In other words, the 94% version costs about 54% more per pound staked (6.0p against 3.9p). Over a single short session you won't notice it, because high volatility swamps the difference, but over months of play it adds up. UK rules require casinos to make game rules and the likelihood of winning available, as the Commission's RTS 3 on rules and game descriptions (opens in a new tab) explains, so the figure should be in the game's information screen. Our page on UK RTP information rules covers what must be shown.

How to check which Money Train 4 version you're playing

1. Open Money Train 4 at your casino, signed in and age-verified.
2. Tap the menu or information icon, usually shown as an "i" or three lines.
3. Open the game rules or paytable section and scroll to the end.
4. Look for the return to player or theoretical payout percentage.
5. If it shows 94%, the cost per £1 staked is 6.0p on average; at 96.1% it's 3.9p.
6. If you can't find it, ask the casino's support team before you play.

Money Train 4 volatility and a £20 budget

Relax rates the game high volatility, and OLBG goes further and calls it very high. Expect plenty of spins where the grid pays nothing or very little, with the Money Cart carrying most of the return. The table shows how a £20 budget plays out at three stakes under both RTP versions.

The averages are small next to how much a high-volatility session can swing. What changes with stake is how many attempts you get at the bonus: 200 at 10p against 20 at £1. Our guides to slot volatility and expected value show how to think about both numbers together.

Money Train 4 max win of 150,000x

The top prize is 150,000 times the stake: £15,000 at 10p and £150,000 at £1. It's the highest cap in the main Money Train series, ahead of Money Train 3's 100,000x. A cap is a ceiling the game won't exceed, and results at that level are vanishingly rare. Most Money Cart rounds pay a small multiple of the stake.

Money Train 4 against the payline Money Train games

If you prefer the line-based format, our Money Train 3 review covers it, and the 2026 sequel Money Train 5 returns to 40 paylines. The Money Train series page puts all the games in order.

Money Train 4 and UK slot rules

• Stake limits: £5 a spin for over-25s since 9 April 2025 and £2 for 18 to 24-year-olds since 21 May 2025, under the Commission's online slots stake limit guidance (opens in a new tab).
• Feature buy-ins: since a Gambling Commission warning in January 2020, feature buy-ins are not offered to British players.
• No autoplay, turbo or slam-stop, and at least 2.5 seconds per spin.
• Your net spend and time played are displayed during the session.
• Identity and age checks are needed before any deposit or play.

Our guide to online slot stake limits explains the two age bands in detail.

Money Train 4 verdict

Money Train 4 suits players who want the series' bonus on a modern grid and who check the RTP version before playing. If the casino runs the 94% version, consider whether a 96%-plus slot from our high RTP slots list is better value for the same budget.

Where to play Money Train 4: partner offers

Our partners' welcome offers are slot spins on Big Bass Bonanza or selected games, not on Money Train 4, so they won't necessarily let you try it. Search each casino's game lobby to find the game and check its RTP screen. 18+ and terms apply.

PlayOJO welcomes new UK customers aged 18+ (except in Northern Ireland) with 80 free spins on Big Bass Bonanza when they deposit at least £10 for the first time. Spins are 10p each; winnings are paid in cash with no wagering. The offer can't be combined with any other and is available only via the designated link.

Coral Casino gives new players aged 18+ 100 free spins worth 10p each on selected games after they deposit and bet £10 or more on slots, from 1 October 2026 until 1 February 2027. Accept within 48 hours and use within 7 days; winnings aren't subject to wagering. Neteller, PayPal, Paysafe, Skrill, prepaid card and certain debit card deposits don't count.

Ladbrokes Casino offers new customers aged 18+ 50 free spins a day for 10 days (500 maximum) after a deposit and £10 spent on slots. Spins are 10p on selected games, must be claimed before 23:59 each day and last 7 days, with no wagering attached. Prepaid card, PayPal, Paysafe, Neteller, Skrill and Moneybookers deposits are excluded.

As Coral and Ladbrokes are both operated by LC International Limited (Entain), one person may only be able to take a new account at one of them.

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.