Money Train 4 Review 2026: Where To Play?

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.

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.

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 100,000x max win with Shapeshifter and Reshuffler modifiers sits between Money Train 2 and 4. The $10 max bet and familiar 5x4 payline grid make it feel more accessible than Money Train 4's scatter-pays departure.

Why pick over Money Train 4: higher max bet with 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 with 46,656 Megaways, tumbling reels, and destructible stone blocks. Three selectable free spins modes add strategic depth that Money Train 4 lacks outside its bonus.

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).