Money Train 3 slot review 2026
Money Train 3 is Relax Gaming’s bigger and harsher return to their train-heist series. The Western setup from the earlier games here turns into a darker sci-fi ride, with a 5×4 reel grid, 40 fixed paylines, and a Money Cart bonus packed with collectors and necromancers.
In this Money Train 3 slot review I’ll look at the wait for the bonus, the 100,000x max win, the new modifier symbols, and whether this sequel gives you enough during the slower sessions.
Highlights
RTP 96.1%
Volatility High
Stakes range 10
Max win 100000x
Number of reels 5
Number of rows 4-
Number of paylines 40 -
Jackpots No -
Slot type Video Slots -
Slot theme West -
Software provider Relax Gaming -
Launch date 23/09/2022
88/ 100
87% Playscore based on 6 critics
The Money Train 3 slot review summary
Money Train 3 is Relax Gaming’s third train heist slot, running on 5 reels, 4 rows, and 40 fixed paylines. The RTP is 96.10%, while the Feature Buy version is at 96.50%. Volatility is high, the max win goes up to 100,000x the bet, and the stake range runs from $0.10 to $10 per spin.
This version feels more like a darker machine room version of the series. There are masked characters, metal reels, neon, Wilds, Bonus symbols, and a sticky-symbol respin in the base game.
The Money Cart round carries most of the excitement, with collectors, snipers, necromancers, persistent symbols, expanding reels, and several buy options at casinos that allow them.
Pros
100,000x max win
Persistent modifiers
Sticky-symbol respins
Cons
High volatility
$10 maximum stake
Bonus round has a lot of symbols to learn
Money Train 3 comprehensive review
For this Money Train 3 review, I’ll start with the RTP, high volatility, 100,000x max win, fixed paylines, and bet range. After that, I’ll go through the Bonus symbols, Money Cart round, persistent modifiers, paytable, and more.
RTP and volatility
Money Train 3 is a high-volatility slot with a 96.10% RTP. The Buy Feature version is at 96.50%. The maximum win is 100,000x the bet.
| Category | Details |
|---|---|
| RTP | 96.10% |
| Maximum win | 100,000x hte bet |
| Number of paylines | 40 |
| Volatility | High |
The game uses a 5×4 layout with 40 fixed paylines. Wins pay from left to right, starting on the first reel. Paylines stay active on every spin.
As I was expecting, the high volatility felt right pretty quickly. I had a few small wins early, then longer parts where the balance just moved down and stayed there. I lowered the stake after a short test, mostly because this slot wants you to last long enough to get to the Money Cart round.
The 96.10% RTP is fine for a slot with this kind of ceiling. I’d still keep the bet smaller than planned at first, because the 100,000x max win sounds great and then the regular spins remind you what kind of game you opened.
Money Train 3 felt harsher than Money Train 2 to me, which makes sense with a bigger top prize. I liked having the base game respins around, although they didn’t change things much unless they connected with something interesting.
Bonus features
In Money Train 3 slot, the Gas Mask is the Wild symbol. It can land on all reels and substitutes for regular paying symbols. When Wilds form their own line win, they pay the same as the highest-paying regular symbol.
The Bonus symbol is the Scatter-style symbol used to trigger the Money Cart Bonus Round. Landing 3 or more Bonus symbols anywhere on the reels starts this feature. Persistent gold symbols can also count as Bonus symbols when it’s triggered.
The base game Respin feature can happen after a spin with no win. One symbol already on the reels is chosen at random and becomes sticky. The game awards a respin, and any new matching symbols that land also become sticky. The respins continue while more of the chosen symbol appears. Multiplier symbols can also land during this feature, with x1, x2, or x3 added to the win multiplier.
The Money Cart Bonus Round starts with 3 spins. The triggering Bonus symbols stay on the grid and reveal values. New value symbols and special symbols also stay on the grid, and each new symbol resets the spin counter back to 3. Regular value symbols can show values from 1x to 10x the bet.
The bonus grid can expand during the Money Cart round. When a column is filled with symbols, an extra column opens. This can happen twice, taking the bonus from 5 reels to 7 reels.
| Category | Details |
|---|---|
| Bonus features | Wilds, Scatters, Collector, Sniper, Collector-Payer, Necromancer, Absorber, Tommy Gun Sniper, Tommy Gun Payer, Persistent Collector, Persistent Sniper, Persistent Collector-Payer, Persistent Necromancer, Persistent Shapeshifter, Reel features, Free spins, Respins, Multipliers, Money Cart Bonus Round, Persistent symbols, extra columns when a column fills, Bonus Buy, modifier symbols |
| Top features | Money Cart Bonus Round |
| Jackpot | N/A |
Money Train 3 has several special symbols in the Money Cart Bonus Round:
- The Collector collects all visible values and adds them to its own value.
- The Sniper doubles 3 to 8 other Bonus symbols, and the same symbol can be doubled more than once.
- The Collector-Payer chooses 3 to 5 symbols, adds their values to its own value, then adds its updated value back to those same symbols.
- The Necromancer brings back 2 to 7 used non-persistent special symbols. The same used symbol can be revived more than once.
- The Absorber absorbs regular value symbols on the grid, removes them from the reels, and adds those values to itself. Special symbols are separate from this action.
- The Tommy Gun Sniper chooses a random target and doubles that target 2 to 6 times.
- The Tommy Gun Payer shows a value from 5x to 100x, then adds that value to a random symbol 3 to 10 times.
Persistent symbols keep acting after the spin where they land:
- The Persistent Collector collects visible values at the end of the current spin and every spin after that.
- The Persistent Sniper doubles 3 to 8 other Bonus symbols at the end of the current spin and every spin after that.
- The Persistent Collector-Payer chooses 3 to 5 symbols at the end of each spin, adds their values to its own, then pays its updated value back to those symbols.
- The Persistent Necromancer brings back 1 to 7 used non-persistent special symbols for reuse.
- The Persistent Shapeshifter changes into a different special symbol after every spin.
Money Train 3 has four Bonus Buy options in versions where feature purchases are available.
Two or three symbols into the Money Cart round, I usually had a pretty good idea of what kind of bonus I was getting. The round needed something to mess with them. Collector helped when there were enough values already there. Sniper was better when it had good targets and didn’t waste itself on small numbers.
Persistent Collector was the one I wanted early, but not “nice to have”. Necromancer, on the other hand, was more awkward. Sometimes it brought back exactly the kind of symbol the round needed, and sometimes it just dragged me a weak bonus.
The 500x buy is the one I wouldn’t rush into. I understand the idea, especially after a long cold run, but it can still give a round that feels expensive first before it feels exciting.
Symbols and paytable
Money Train 3 pays for 3, 4, or 5 matching symbols across its 40 fixed paylines.
The lower-paying symbols are the metal card suits: Diamond, Club, Heart, and Spade. Five matching card-suit symbols pay from 3x to 5x the bet.
| Category | Details |
|---|---|
| Theme | Steampunk, post-apocalycptic train heist |
| Reel layout | 5×4 |
| Highest paying symbol | Gas Mask Wild, up to 20x for 5 of a kind |
| Adjustable paylines | N/A |
| Visuals | High details, characters, dark visuals |
| Sound | Western-inspired soundtrack |
| Mobile quality | Great |
Here’s how the regular symbol payouts look at $1 and $50 bets. The $50 column is only a payout example, since the provider version usually has a $10 maximum stake.
| Symbol | 3 at $1 | 4 at 1$ | 5 at $1 | 3 at $50 | 4 at $50 | 5 at $50 |
|---|---|---|---|---|---|---|
| Diamond | $0.20 | $0.70 | $3 | $10 | $35 | $150 |
| Club | $0.20 | $0.70 | $3.50 | $10 | $35 | $175 |
| Heart | $0.20 | $1 | $4 | $10 | $50 | $200 |
| Spade | $0.20 | $1 | $5 | $10 | $50 | $250 |
| Payer | $0.50 | $2 | $8 | $25 | $100 | $400 |
| Sniper | $0.50 | $2.50 | $9 | $25 | $125 | $450 |
| Collector | $0.60 | $3 | $10 | $30 | $150 | $500 |
| Necromancer | $0.80 | $4 | $20 | $40 | $200 | $1000 |
I opened the paytable once, checked the top end, and that was enough. Five Wilds or five Necromancers pay 20x, so on a $1 bet that’s $20, easy number to remember.
The suits were mostly small wins. I only paid attention when a Wild landed with the character symbols, because that was when a regular spin had a chance to pay me something better.
The Bonus symbols were the real thing on the reels. One was just one, two made me wait for the third. And three meant Money Cart, and that was the reason I was there for.
How to play the Money Train 3 slot
Open Money Train 3 from the casino lobby or demo page. The game loads with a 5×4 reel screen and the main controls around the lower bottom of the interface.
Start with the menu or info button. Check the paytable, RTP version, symbol values, Money Cart rules, Bonus Buy prices, and max win cap before playing with real money. Money Train 3 is listed with a 96.10% RTP.
Use the stake controls to set the total bet from $0.10 to $10 per spin, with all 40 paylines active on every round. You can see the current bet in cash value near the stake controls.
Press the spin button to play one round. Winning lines pay from the left reel across the fixed paylines. On the desktop version, spacebar-to-spin is available through the settings menu.
| Category | Details |
|---|---|
| Min bet | $0.10 |
| Max bet | $10 |
| Autoplay | Available |
| Turbo mode | Available |
| Game history | Available |
Use autoplay from the spin control. Set the number of spins and any available stop limits before starting. Quick Spin or Turbo mode are also in the settings or near the spin button, and it speeds up the reel animations.
The Bonus Buy button appears in versions where feature purchases are available. Choose one of the available Money Cart options, check the price, then confirm the buy.
You can see game history through the game menu or the casino history panel. Use it to check previous spins, bet size, win amount, and bonus rounds.
Casinos where you can play Money Train 3
The Money Train 3 slot is usually available at the same casinos that feature the previous versions. You can check it out here:
| Casino Logo | Rating | Bonus | Go-to-casino button | Show more | T&C |
|---|---|---|---|---|---|
1
|
88/100
Expert rating
by Paul P.
90%
Playscore
based on
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57,000 Gold Coins + 27.5 free Sweeps Coins
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2
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83/100
Expert rating
by Paul P.
83%
Playscore
based on
|
15,000 Gold Coins + 2.5 Sweeps Coins
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Play now |
|
|
3
|
87/100
Expert rating
by Paul P.
82%
Playscore
based on
|
Get 80,000 GC + 40 SC + 75 Free SC Spins
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Play now |
|
Expert verdict
Money Train 3 looks better than most online slots before the bonus even starts. It has that dirty metal, neon, masked gang vibe to it, half Western and half sci-fi, and it works for this series. The game looks somewhat more crowded than Money Train 2, in a good way.
It took me a little while to warm up to the actual play, though. The game looks big right away, but the regular spins can still feel a bit boring until something opens up. The sticky respins gave it a bit more life, and the Money Cart round was when the whole slot clicked for me. When the bonus started building early, it felt like the sequel it’s supposed to be.
I’ll come back to it for sure, just with a smaller stake and no heroic bankroll plans. Money Train 3 has enough in the bonus to make me want a few more tries, especially if the modifiers start landing early. Give it a try!
FAQs
What is the Money Train 3 RTP?
Money Train 3 has a standard RTP of 96.10%. The Feature Buy RTP is 96.50% in versions where the buy option is available.
What is the Money Train 3 max win?
The Money Train 3 max win is 100,000x the bet.
Is Money Train 3 high volatility?
Yes. Money Train 3 is a high-volatility slot, so wins can be uneven and the bonus round can take patience.
How many paylines does Money Train 3 have?
Money Train 3 has 40 fixed paylines on a 5×4 reel layout. Wins pay from left to right.
Does Money Train 3 have Free Spins or a bonus buy?
Money Train 3 uses the Money Cart Bonus Round with respins. The Bonus Buy feature can offer 1 Spin Bonus, 2 Spin Bonus, regular Money Cart Bonus, and Persistent Bonus options.
Can you play Money Train 3 on mobile?
Yes. Money Train 3 works on mobile, tablet, and desktop at casinos that have Relax Gaming slots.
