Money Train 4 Slot Review

Relax Gaming billed Money Train 4 and was originally positioned as the final chapter of its most successful franchise. The studio didn't hold back on the send-off. The game runs on a 6x6 Scatter Pays grid, where 8 or more matching symbols pay anywhere on the board.

Its real draw is the Money Cart Bonus Round, a self-contained heist packed with 21 different modifier symbols that can multiply a single spin into a five-figure payout. Browse more games by Relax Gaming if this style of high-volatility slot is your thing.

Money Train 4 Overview

Money Train 4: The Last Stand comes from Relax Gaming, released on 20 September 2023 as the planned closing chapter of the Money Train series. The RTP is 96.10%, and the game carries a high-volatility rating. It runs on a 6-reel, 6-row grid using a Scatter Pays win system, with a maximum win of 150,000x the triggering bet, the largest in the series.

Despite the "Last Stand" name, Relax Gaming announced in June 2026 that a fifth Money Train title is now on the way, so this wasn't quite the final stop after all.

Money Train 4 Key Features at a Glance

• 6x6 grid with a Scatter Pays win system, no fixed paylines
• High volatility, rated 5 out of 5 on the standard scale
• Maximum win of 150,000x the triggering bet, the biggest in the series
• No wild symbol; wins come purely from matching clusters and bonus modifiers
• Random Respin feature can trigger at the end of any base game spin
• Money Cart Bonus Round triggers with 3 or more Bonus symbols
• 21 unique modifier symbols can appear during the bonus round
• Bonus round grid expands from 6x4 up to a maximum of 6x8
• Buy Feature lets you pay into the bonus round directly, with a guaranteed persistent symbol at the higher price point

Comprehensive Features Table

Each feature below plays into building win value across the base game and the Money Cart Bonus Round.

Graphics and Theme

Every entry in the Money Train series has moved the setting forward, from Wild West outlaws through steampunk and into a futuristic heist. Money Train 4 pushes furthest yet, dropping the crew on a dry, alien planet next to a hulking armoured train.

Human character symbols form the high-value tier, framed by card suit icons for the lower payers, and the whole thing opens with a cinematic cutscene before play begins.

How to Play Money Train 4

Open the menu button, marked with three lines, to reach the information, options, and audio settings. Adjust your stake using the minus and plus buttons next to the menu, then hit the spin button to start each round.

Responsible gambling tools, including self-exclusion and time-out options, are available through the game's settings if you need them.

Money Train 4 RTP and Volatility

The RTP of Money Train 4 is 96.10%, confirmed consistently across sources and matching what's listed on this page. It sits close to the average across the wider Money Train series, slightly behind Money Train 2's 96.40% but level with Money Train 3.

This is a high-volatility game, rated 5 out of 5 for variance. Wins outside the bonus round tend to be modest, and the bulk of the game's payout potential sits inside the Money Cart Bonus Round. Long losing runs between big hits are normal at this volatility level, not a sign anything's wrong.

How to Win: Paytable

Money Train 4 pays on clusters of matching symbols landing anywhere on the grid, rather than fixed lines. The two highest-paying symbols need a minimum of 8 in view, while every other symbol needs at least 10.

Money Train 4 Wild and Scatter Symbols

Wild symbol: Money Train 4 has no wild symbol. Every win comes from matching clusters of the standard symbol set, backed up by the Respin feature and the Money Cart Bonus Round's modifiers rather than a substitute icon.

Bonus symbol: There's no traditional scatter here either. Instead, a dedicated Bonus symbol triggers the Money Cart Bonus Round when 3 or more land anywhere on the grid. A gold Persistent Bonus symbol can substitute for any regular Bonus symbol when working out whether the round triggers.

Money Train 4 Bonus Round and Buy Feature

Landing 3 or more Bonus symbols anywhere on the grid triggers the Money Cart Bonus Round. It starts on a 6x4 grid and can expand up to a maximum of 6x8 as rows fill with symbols, with 3 respins awarded at the start.

The 21 modifier symbols that can appear during the round include:

• Bonus – awards a multiplier of 1x to 10x the bet
• Collector / Persistent Collector – gathers visible values into its own total, with the persistent version repeating each spin
• Adjacent Collector / Persistent Adjacent Collector – collects values from neighbouring symbols only
• Payer / Persistent Payer – reveals a value and adds it to every other visible symbol
• Adjacent Payer / Persistent Adjacent Payer – reveals a value and adds it to adjacent symbols only
• Sniper / Persistent Sniper – doubles the value of 3 to 8 Bonus symbols
• Collector Payer / Persistent Collector Payer – gathers 3 to 5 symbols' values, then pays the updated total back out to each
• Arms Dealer / Persistent Arms Dealer – converts Bonus symbols into feature symbols, which then act immediately
• Necromancer / Persistent Necromancer – revives previously used feature symbols
• Persistent Shapeshifter – turns into a different feature symbol after every spin
• Unlocker – opens up a locked row
• Reset Plus – adds an extra respin to the counter
• Upgrader – converts a regular feature symbol into its persistent version

The Buy Feature lets you skip straight to the bonus round for 100x your bet, or pay 500x for the same trigger with a guaranteed persistent symbol already in play. Availability depends on your jurisdiction.

Slot Data Table

Similar Games to Play:

If you like the heist theme and modifier-heavy bonus round, try or , both from Relax Gaming and both shown alongside Money Train 4 on-site. Play slots like these across the full , or head to with a bonus buy option if you'd rather skip straight to the feature.

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Money Train 4 FAQs

What is the RTP of Money Train 4?

The RTP is 96.10%, confirmed consistently across sources including this page's own listing. It's roughly in line with the rest of the Money Train series, just behind Money Train 2's 96.40%.

How volatile is Money Train 4?

It's a high-volatility slot, rated 5 out of 5 for variance. Most of the payout potential sits inside the Money Cart Bonus Round rather than the base game, so expect quieter spells between bigger hits.

What is the biggest win available in Money Train 4?

The maximum win is 150,000x your triggering bet, the highest of any game in the Money Train series. It comes from stacking modifier symbols during the Money Cart Bonus Round.

Does Money Train 4 have a free spins bonus round?

Not in the traditional sense. Instead, landing 3 or more Bonus symbols triggers the Money Cart Bonus Round, a respin-based feature where 21 different modifier symbols build value across the round rather than awarding a fixed number of free spins.

Is there a wild symbol in Money Train 4?

No. This release relies entirely on its Scatter Pays cluster system, the Respin feature, and the Money Cart Bonus Round's modifiers to build win value, with no wild symbol in play.

Can I buy my way into the bonus round on Money Train 4?

Yes, where your jurisdiction allows it. The Buy Feature triggers the Money Cart Bonus Round directly for 100x your bet, or 500x for the same trigger with a guaranteed persistent symbol already active.

Do you have to be over 18 to play Money Train 4?

Yes, in most regulated markets, though the minimum age depends on local rules. Some jurisdictions, including several US states, set the limit at 21. Self-exclusion tools are available on sportsbet.io if you need them.