Money Train 4 Review 2026: Where To Play?
Pro Tip
If you're testing Money Train 4 for the first time, start with the base game before using the bonus buy. Buy-in prices vary widely by game – anywhere from a few times your stake to several hundred – so check the buy menu in Money Train 4 itself, and get a feel for the volatility at lower risk before committing to it.
Where To Play Money Train 4
These casinos carry Relax Gaming titles and come from our active affiliate stack, rotated so no single brand always sits top – see our disclosure.
325% + 250 Free Spins across 4 deposits
35x wagering
Up to €/$25,000 + 350 Free Spins across 4 deposits (codes SM1–SM4)
50x bonus wagering
200% of your first deposit only credited to a locked Bonus Balance, released only as you claim daily/weekly/monthly cashback – plus up to 25% daily cashback at 1x wagering within 30 days
1x on cashback (30 days); the matching amount unlocked from the Bonus Balance is 0x wagering
Table of Contents▼
I see Money Train 4 as a bold and polarising farewell to Relax Gaming's most celebrated franchise. The shift from a 5x4 payline grid to a 6x6 scatter-pays system was a major mechanical departure that divided the player base.
The 150,000x max win is the highest in the series, and 21 Money Cart modifiers offer extreme variety. But the $6 max bet means the theoretical maximum payout is $900,000 – and for many players, that max bet restriction undermines the headline number.
Money Train 4 Overview
I have played Money Train 4 extensively, and the scatter-pays system is the most significant change from previous entries. Instead of 40 fixed paylines, wins now require 8 or more matching high-pay symbols or 10 or more matching low-pay symbols anywhere on the 6x6 grid.
This fundamentally changes the base game rhythm – wins feel different, and the visual pattern recognition shifts from horizontal paylines to cluster-like distributions.
The Money Cart bonus retains the hold-and-spin core but now operates on the larger 6x6 grid with 21 different modifiers – the most in any entry. Classic modifiers like Collector, Sniper, and Necromancer return alongside newer additions.
The variety is impressive, and no two bonus rounds feel identical. High volatility means the base game concentrates its value in the Money Cart, and the 96.10% RTP matches Money Train 3.
The continued max bet reduction to just $6 is the most controversial aspect. Relax Gaming balanced the record-breaking 150,000x multiplier against responsible operator exposure, but the result is that the game's absolute payout ceiling is lower than Money Train 2's despite having a 3x higher multiplier.
The 96.10% RTP only plays out across thousands of spins. Set a session bankroll of at least 200 spins at your chosen stake before judging the maths.
Playing Money Train 4 on Mobile
The 6x6 grid is larger than previous entries and requires more screen space. I found landscape mode necessary here – the scatter-pays system and 21 modifier icons need the wider display to be readable.
Portrait mode feels cramped with the expanded grid. Touch controls are responsive, and the bonus buy interface handles the larger modifier set well.
Performance is solid despite the increased visual complexity.
When I Played Money Train 4
Money Train 4 looks physically bigger before you even spin.
The jump from a 5x4 payline grid to a full 6x6 scatter-pays system is obvious immediately, and on my phone I had to switch to landscape to read the grid properly.
In portrait the reels feel cramped, and the symbol detail blurs at the scale my display compresses them into.
The base game at €0.30 per spin pays on 8-or-more matches for high-pays and 10-or-more for low-pays, and the scatter-pays rhythm takes a few spins to recalibrate if you have spent time on Money Train 2 or 3.
The character-symbol set is the largest in the series, and the robot NPC on the right of the frame actually animates during wins – a nicer touch than MT4 usually gets credit for.
A cluster of cowboy characters plus a stacked blue-gem column delivered a clean 18x hit in the middle of my run. The bonus round with 21 modifiers is genuinely varied when it triggers, and the maths engine is sound.
But I keep coming back to the same conclusion after extended sessions: MT4 is technically the biggest entry, yet not enough of the 150,000x ceiling shows up in a typical night of play to justify the $6 max-bet cap. On my own time I reach for Money Train 3 more often.
MT4 is the finale, but MT3 is the one I actually play.
Money Train 4 Pros and Cons
A fitting franchise finale with record-breaking numbers and maximum variety, but the restrictive max bet and mechanical departure from paylines will not suit everyone.
Pros:
- Record-breaking 150,000x max win caps the series at its highest point
- 6x6 grid with scatter pays is a bold and distinctive mechanical shift
- 21 different Money Cart modifiers offer extreme variety in every bonus round
- A fitting finale to the most popular slot series in recent years
Cons:
- Max bet slashed to just $6, severely limiting absolute payout potential
- Scatter-pays system departs from the familiar payline format and may alienate series fans
- Very high volatility means most players will never see the max win
Where Is Money Train 4 Restricted?
Relax Gaming restricts Money Train 4 in these regulated markets.
- United States
- Australia
- France
- Italy
- Spain
Best Money Train 4 Alternatives
Whether you want to explore the rest of the series or find comparable alternatives, these games offer different takes on the high-ceiling hold-and-spin concept.
Money Train 2 (Relax Gaming)
Many players consider this the series' sweet spot. The 50,000x max win is lower, but the $20 max bet means the absolute payout ceiling ($1,000,000) actually exceeds Money Train 4's.
The 96.40% RTP and 98% bonus-buy RTP are the best in the franchise.
Why pick over Money Train 4: higher max bet, higher RTP, and familiar payline format.
Money Train 3 (Relax Gaming)
The Shapeshifter-driven Money Cart round of Money Train 3 delivers a 100,000x ceiling inside the familiar 5x4 payline grid. The $10 max bet is higher than MT4's, the mobile load speed is the snappiest in the series, and the payline format is more accessible than MT4's scatter-pays departure.
Why pick over Money Train 4: higher max bet, faster mobile load, and familiar payline mechanics.
Money Train (Relax Gaming)
The original with 20,000x max win, $50 max bet, and no modifiers. Pure Money Cart simplicity.
The $50 max bet gives it the highest absolute ceiling among all four entries at specific win levels.
Why pick over Money Train 4: simplest format with the highest max bet in the series.
Temple Tumble Megaways (Relax Gaming)
A completely different Relax Gaming experience. The cascading Megaways engine of Temple Tumble Megaways combines 46,656 ways with tumbling reels and destructible stone blocks, and the three selectable free-spins modes add strategic depth that Money Train 4 does not offer outside its bonus round.
Why pick over Money Train 4: Megaways cascading gameplay with player choice in bonus modes.
Frequently Asked Questions
What is Money Train 4's RTP?
Money Train 4 has an RTP of 96.10%, matching Money Train 3 but sitting below Money Train 2's 96.40%. The RTP is at the industry average and reflects the balance between the game's extreme 150,000x ceiling and the overall return distribution.
Is Money Train 4 available in Italy?
No. Relax Gaming restricts Money Train 4 in Italy, along with the United States, Australia, France, and Spain.
Italian players looking for high-ceiling hold-and-spin games should explore alternatives from providers with AAMS/ADM licensing.
Why is the max bet only $6?
Relax Gaming intentionally reduced the max bet across each Money Train entry as the max win multiplier increased. Money Train 1 had a $50 max bet at 20,000x, Money Train 2 had $20 at 50,000x, Money Train 3 had $10 at 100,000x, and Money Train 4 has $6 at 150,000x.
This is a deliberate risk management strategy – by keeping the theoretical maximum payout under $1,000,000, Relax Gaming limits operator liability while still offering headline-grabbing multiplier numbers. The trade-off is that the absolute payout ceiling at max bet ($900,000) is actually lower than Money Train 2's ($1,000,000).