Money Cart 4 Demo & review

The fourth Money Cart moves the series to a 6x4 grid and changes how the board grows: instead of new reels at the side, locked rows open above and below. Relax Gaming released it in February 2024 with twenty special symbols, including an Arms Dealer that turns coins into specials and an Upgrader that makes specials persistent. It suits re-spin players who want the busiest round in the series and the highest cap of the four.

The empty 6x4 grid before our first spin, with the four locked rows above and below it. FluxPlays demo test, 3 November 2026.

How Money Cart 4 works

Base spins do one thing: look for three symbols. There are no paylines and no wins outside the re-spin round, and every amount on the grid is a coin count, at ten coins a bet, which makes one coin 0.10 at $1.

How the round fits together:

1. Three or more symbols anywhere start 3 re-spins, and gold Persistent symbols count toward the three.
2. Every new symbol resets the counter to 3, and Reset Plus raises that reset by one.
3. Filling a row unlocks the next one, and an Unlocker opens one directly, up to four extra rows.
4. Specials work on the values: Collectors and Payers move them, Snipers double them, and the Arms Dealer and Necromancer make more specials act.
5. Upgraders and the Persistent Shapeshifter turn a round's specials persistent, so they act on every spin left.

Step 5 carries the game. A one-off special acts once and becomes a value; a persistent one repeats its work at the end of every re-spin until the round ends, and the later rows give it more to work on.

How the extra rows unlock

The four locked rows sit two above and two below the grid from the first spin. Filling a row opens an extra one, and so does an Unlocker, so a round can grow from 24 positions to 48. New rows mean more places for coins and specials to land, and more symbols for a Payer or Sniper to reach.

The paytable page for the Unlocker, Reset Plus and Upgrader, above the 150,000-coin line. FluxPlays demo test, 3 November 2026.

How the special symbols work

Ordinary Bonus coins reveal 1 to 10 coins. The twenty specials fall into a few families, and most have a gold Persistent version:

For us the Arms Dealer and the Upgrader are what make this the strongest Money Cart. The first turns ordinary coins into specials, and the second makes them permanent, so a round no longer depends only on which gold symbols happen to land.

Our best round shows the stacking. On spin 76 the cart held six specials and not one ordinary coin: two Snipers, a Payer, a Collector, an Arms Dealer and a Persistent Necromancer that kept reviving the used ones. With two re-spins left the TOTAL board read 92 coins, and by the end of the round the same six symbols held 486.

Spin 76's round with two re-spins left: six specials on the grid and 92 coins on the board. FluxPlays demo test, 3 November 2026.

The same round, settled: the six specials add up to 486 coins and WIN reads 48.60. FluxPlays demo test, 3 November 2026.

What changed from Money Cart

The two games sit at opposite ends of the series. Money Cart 4 trades two points of RTP for a cap seven and a half times higher and a symbol list four times as long.

RTP, volatility and max win

The game rules give one return, the 96.00% in the table, with no lower version listed. Volatility is not stated in the rules or on Relax's page, and review sites settle on High.

No round can pay more than 150,000 coins, and at ten coins a bet that is the 15,000x on Relax's page. Ordinary coins reveal 10 at most, so the route there runs through persistent specials working for many re-spins on a grid opened to eight rows, the round our spin 76 hinted at on a smaller scale.

Our Money Cart 4 demo test

Two rounds paid more than half of everything we won, and both had a persistent special working from early on. The round from spin 7 ran a Persistent Sniper with an Adjacent Payer and a Collector and paid $24.50, while the spin 76 round above was the Necromancer at work. The other eleven rounds, built on bare coins or one-off specials, mostly paid between 2x and 8x the bet. An Unlocker landed once, but no round opened all four rows, and the Upgrader, the Shapeshifter, the Adjacent Collector and Reset Plus did not appear, so their part of this page rests on the rules. Thirteen rounds say how the round plays, but they cannot measure its return.

Spin 7's round partway through: the Persistent Sniper marks its targets, with 61 coins on the board. FluxPlays demo test, 3 November 2026.

Is Money Cart 4 worth playing?

Not for the spins between rounds, but yes for the round itself. No earlier Money Cart has as many ways to grow a total: specials that create specials, specials that revive them, and Upgraders that make them permanent, on a grid that can double in size. The base game still pays nothing, and the RTP is lower than the first game's.

Pick Money Cart if you want the round at its simplest, with five specials and the higher RTP. If you want a similar row-growing cart behind a base game and two bonus buys, with a far higher cap, Money Train 4 is the one to choose. Choose Money Cart 4 for the deepest re-spin round you can play without buying.

In the demo, read the Arms Dealer, Necromancer and Upgrader entries before your first round. Those three decide whether a round keeps growing after its first few specials have acted.

The paytable page for the Arms Dealer, the Persistent Arms Dealer and the Necromancer. FluxPlays demo test, 3 November 2026.