Money Train 4 Demo & review

The fourth Money Train leaves the series' 40 lines behind: its base game is a 6x6 scatter-pays grid, while the Money Cart keeps its sticky values and characters and now grows by rows, toward the biggest cap in the series. Relax Gaming released it in September 2023 as the last stop of the series. It suits collect-bonus fans who expect to buy their way in, because the base game gives back little between bonuses.

The base game before our first spin, with the BUY button under the grid. FluxPlays demo test, 1 November 2026.

How Money Train 4 works

Matching symbols pay anywhere on the 6x6 grid, with no lines to follow. The two highest symbols need 8 or more, every other symbol 10 or more, and the top of the ladder is a full board of one symbol:

How the features connect:

1. Bonus symbols land on the base grid, and three or more at once start the Money Cart. Gold persistent symbols count toward the three.
2. Any spin that does not start the bonus can end in the Respin Feature instead.
3. In the Money Cart every symbol sticks, the characters act on the values around them, and new rows can open.
4. Two buys skip the wait: the round as it would trigger, or the round with a persistent character from the start.

The Money Cart carries the game. The Respin is the base game's only feature.

How the Respin Feature works

It can start at the end of any base spin that does not trigger the bonus. The symbol that covers most of the grid is locked, and from then on only that symbol, multiplier symbols and blanks can land. The respins run while new copies keep arriving, the multipliers do not stick but add up, and their sum is applied to the win once the respins stop.

In practice the Respin needs both things at once: enough copies to make a big count, and multipliers to lift it. On spin 77 ours had a multiplier and paid $2.00.

The intro screen names the Respin Feature as the base game's extra. FluxPlays demo test, 1 November 2026.

How the Money Cart works

The round opens on six columns and four rows with three spins. Every new symbol that lands stays and resets the count to three, and when the spins run out, every value on the board is paid. Filling a row, or landing an Unlocker, opens one of four locked rows, so the board can grow from 24 positions to 48. Coins carry 1x to 10x the bet, and reaching the cap closes the round with that payout.

Special symbols

The persistent symbols decide how far a round goes. An ordinary character acts once and then sits as a value, but a persistent one repeats its action on every spin, so a Persistent Sniper doubles again and again while the round lasts.

Inside our bought Original Feature: a Sniper among small coins, with the locked rows still closed. FluxPlays demo test, 1 November 2026.

Bonus buy: prices and what you get

The BUY button sells the Money Cart two ways.

The rules in our session give no RTP or volatility label for either buy, so those cells stay empty.

The Buy Feature panel at our 1.00 bet, with the Original Feature selected. FluxPlays demo test, 1 November 2026.

RTP, volatility and max win

The base game returns 96.10% in theory. Neither the rules nor Relax's product page gives a volatility label, and review sites rate it high. The cap, 150,000x the bet, is the highest in the series, and only a long Money Cart with persistent characters and open rows has a route toward it.

How it compares with Money Train 2 and 3

Pick Money Train 2 if you want the classic line game with a single buy at a high stated RTP. Stay with Money Train 4 if you want the biggest board and ceiling, and a buy that hands you a persistent character from the first spin.

Our Money Train 4 demo test

Bonus symbols never came three at a time: two at once on spin 44 was the closest. The grid paid on a quarter of the spins, mostly small 8- and 10-symbol wins, and the Respin Feature ran six times but paid only twice.

The two buys showed what persistence is worth. The Original Feature ran 18 spins on the starting board without opening a row, collecting small coins and two Snipers. The Persistent Feature drew a Persistent Sniper that doubled the coins on every spin, and a Payer kept adding to them. The total stood at 162x after four spins. A Collector then gathered the board, and the total jumped to 494x.

The Arms Dealer, Necromancer, Shapeshifter, Unlocker, Reset Plus and Upgrader did not appear, so they come from the rules. Two bought rounds say nothing reliable about what either buy returns.

Our bought Persistent Feature on its last spin, after the Collector had gathered the board. FluxPlays demo test, 1 November 2026.

Our bought Persistent Feature paid 1,032.00 after seven spins. FluxPlays demo test, 1 November 2026.

Is Money Train 4 worth playing?

As a bonus game you buy, yes, and as one you wait for, much less. Persistent characters are what make a Money Cart snowball, and the Persistent Feature sells a round that starts with one. The base grid pays small and needs three Bonus symbols together, so patience alone is a slow way in. For us the Persistent Feature is the version worth buying, even at five times the Original's price.

In the demo, buy the Original Feature first to learn how the board fills, then the Persistent Feature to see a gold character act on every spin.