Money Train 3 Demo & review

The third Money Train doubles its predecessor's ceiling and widens its cast of persistent characters, gold symbols that act again on every respin of the Money Cart. Relax Gaming released Money Train 3 in September 2022 on the same 40-line, 5x4 base game, and it sells the Money Cart four ways, from a one-spin start to a round that opens with a persistent character. It is a game for collect-bonus fans with patience or a buy budget.

The base game before our first spin: four outlaws, four card suits and the BUY button under the reels. FluxPlays demo test, 31 October 2026.

How Money Train 3 works

Forty fixed lines pay three to five matching symbols from the leftmost reel. The red-hatted engineer tops the paytable, and the Wild pays the same while standing in for every symbol:

How the features connect:

1. Bonus symbols land on the base reels. Three or more at once start the Money Cart, and gold persistent symbols count toward the three.
2. A base spin with no win can turn into the Respin Feature at random.
3. In the Money Cart every symbol sticks, the characters change each other's values, and a filled column opens a new one, twice at most.
4. Four buys skip the wait and start the Money Cart with different rules for its spin count.

The Money Cart carries the game. The Respin is a side feature that rescues the odd dead spin.

How the Money Cart works

The round starts with three respins. Every new symbol that lands stays and resets the count to three, and when the respins run out, every value on the board is paid. Coins carry 1x to 10x the bet. Filling a whole column opens another beside the grid, up to two extra columns, so the board can grow from 20 positions to 28. If the values ever reach the cap, the round stops and pays it.

Special symbols

The persistent symbols are the ones to hope for. An ordinary character fires once and then sits as a value, but a persistent one keeps working for as long as the round runs, so the earlier it lands, the more respins it gets to act on.

Our bought Original Feature shows the ordinary version at work. The board stood at 24x when a Collector landed and pulled every value into itself, lifting the total to 53x. Coins kept resetting the count, a sixth column opened, and the round ran 20 respins before it ended at 78x.

Inside our bought Original Feature: coin values on the board and the Collector after it gathered them. FluxPlays demo test, 31 October 2026.

How the Respin Feature works

It can start at random after a base spin that wins nothing. One symbol on the board is locked, and only that symbol, multiplier symbols and blanks can land in the respins that follow. The respins continue while new copies of the locked symbol keep landing. Multipliers add +1, +2 or +3 to a total that starts at x1, do not stick, and the total applies to the line wins once the respins end.

Spin 44 was our one Respin Feature. A dead spin locked the red spade, spades kept landing until they covered most of the grid, and no multiplier arrived. The spades paid $10.00 on their own.

Base spin 44 after the Respin Feature: the locked red spade spread across the grid with no multiplier. FluxPlays demo test, 31 October 2026.

Bonus buy: prices and what you get

The BUY button offers four versions of the Money Cart, all at one RTP:

The rules give no volatility label for any buy. The cheaper buys keep every symbol the Original has, but each blank respin brings the end closer, so their rounds are shorter on average by design.

The Buy Feature panel with the Original Feature selected at our 1.00 bet. FluxPlays demo test, 31 October 2026.

RTP, volatility and max win

The base game runs at 96.10% in the rules. Relax also lists a 94.00% version and a 90.00% one for Germany, and the casino decides which you get. Neither the rules nor Relax's page gives a volatility label, and review sites rate it high. The cap is the series' biggest so far: 100,000x the bet, paid the moment the round's values reach it.

Our Money Train 3 demo test

Bonus symbols were the bottleneck. They landed on 16 of our base spins, two at once only on spin 72, so the Money Cart never started by itself. Between them the reels paid small line wins on about a quarter of spins.

All four buys came back under their price. The Persistent Feature drew a Persistent Collector, and it gathered the board on every respin from 11x to 83x, but few coins landed for it to collect and the round lasted seven respins. The 2 Spin and 1 Spin buys landed only plain coins. Snipers, Payers, the Absorber, Necromancers and the Shapeshifter stayed away, so everything said about them here rests on the rules. Four single rounds show how the versions play, not what they return.

Early in our Persistent Feature: the Persistent Collector on the top row, gathering the board on every respin. FluxPlays demo test, 31 October 2026.

Our bought Original Feature paid 78.00 after 20 respins. FluxPlays demo test, 31 October 2026.

Is Money Train 3 worth playing?

Not for its base game, but yes for the Money Cart. Persistent characters turn a long round into a chain reaction, and the cap gives that reaction room the earlier games did not. The base reels exist to deliver Bonus symbols, and with three needed at once, most sessions will rely on the buy. For us the Original Feature is the one to buy: it is the full round at a fifth of the Persistent price.

Pick Money Train 2 if you want the single buy with the higher return, 98.00% by its rules, and a cap that is already enormous. Pick Money Train 3 if you want persistent characters, four ways into the round and the bigger ceiling.

In the demo, try the 1 Spin Feature first. At the lowest price it shows quickly how every new symbol keeps the round alive.