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Money Train 3
Money Train 3 is Relax Gaming's third instalment in the series, raising the max win to 100,000x your stake. It keeps the 5x4 grid and 40 paylines of its predecessor, with the standard RTP at 96.10% and a 96.50% build available through the bonus buy. The upgrades are in the Money Cart respin: more special symbol types than the earlier titles and a board that can expand with extra rows during the round, all at very high volatility.
Key takeaways
- RTP: 96.10% standard, with a 96.50% build available via the bonus buy. Relax ships lower configurations too, so check the info panel at your casino before playing.
- Volatility: very high. The base game runs long dry spells before the Money Cart respin triggers.
- Max win: 100,000x your stake, double the previous entry in the series, reachable when the expanded symbol set layers high-value interactions during the respin.
- Layout: a 5x4 grid with 40 paylines, the same base as Money Train 2; the board expands with extra rows inside the Money Cart respin, not in the base game.
- Expanded symbol set: the respin bonus carries more special symbol types than its predecessors, increasing the potential for compounding interactions.
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Our top-rated, vetted casinos that carry Money Train 3 and pay out reliably.
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RTP and the version to check
Money Train 3 returns 96.10% in its standard build, a reasonable figure for an extreme-variance slot, and rises to 96.50% when you use the bonus buy. As with most Relax Gaming titles, operators can run lower certified configurations, and there is no visible difference in the game between builds.
The figure that applies to you is the one in the game’s information panel. Open it before the first spin and confirm the casino is running the full 96.10% version rather than a reduced build.
The grid and the expanding board
Money Train 3 plays on the same 5x4 grid as Money Train 2, with 40 paylines. The change is not a bigger base grid but what happens inside the bonus: during the Money Cart respin the board can expand, opening extra rows so more money symbols can land, lock, and interact as the round goes on.
In the base game the 40 paylines exist primarily to deliver small wins while the session waits for the respin to trigger. As with its predecessors, the game’s character is defined by the bonus, not the base spins.
The Money Cart respin
The respin mechanic is identical in principle to the earlier titles: money symbols land and lock, respins reset to three on each new arrival, and the round pays the accumulated total when respins expire or the board fills. As the round builds, the board can expand with extra rows, so a strong run has more space and more combinations to work with than the starting grid suggests.
The expanded symbol set in Money Train 3 increases the number of distinct special types available during the bonus. More symbol types means more possible interactions, and it is the layering of a persistent payer or multiplier with a collector, on a board carrying several high-value symbols, that pushes toward the 100,000x ceiling.
Volatility across a realistic session
Very high volatility means the median session ends below the starting balance. On Money Train 3, the base game can run long before the respin triggers, and many respin rounds resolve with few money symbols and a modest total. Sessions without a meaningful respin outcome are the common result, not the exception.
Adjusting stakes mid-session to recover losses accelerates the same dynamic. A fixed stake, a session budget set before starting, and no chase behaviour are the only framework that makes sense on this game.
Picking where to play
Casinos in our crypto casinos and fast-payout casinos lists offer fast settlements when a respin round pays. Prioritise casinos where you can confirm the full 96.10% RTP version is running. Set a hard session limit before you start.
Free, confidential support is available from GamCare and Gambling Therapy.
Frequently asked questions
What is the RTP of Money Train 3?
Money Train 3 has a standard RTP of 96.10%, and a 96.50% build is available when you use the bonus buy. Relax Gaming also supplies lower certified configurations that some casinos run, so the figure that applies to you is the one shown in the game's info panel. Open it before your first spin to confirm which build your casino is running.
What is the max win on Money Train 3?
The maximum win on Money Train 3 is 100,000x your stake, double the previous entry in the series. It is reachable when the expanded symbol set layers high-value interactions across a full 5x4 board during the Money Cart respin. In practice it requires persistent multiplier and collector symbols to compound on a board that fills completely. Most bonus rounds resolve well below the ceiling.
How does Money Train 3 differ from Money Train 2?
Money Train 3 keeps the same 5x4 base grid and 40 paylines as Money Train 2. The differences are in the Money Cart respin: it carries more special symbol types and can expand the board with extra rows during the round, and the maximum win doubles to 100,000x. The respin still resets to three on each new symbol, so the feel is familiar; there is just more that can happen once you are inside it.
Is there a bonus buy on Money Train 3?
A bonus buy option is available where the casino permits it, entering the Money Cart respin directly for a fixed cost. As with the earlier titles, the buy cost is calibrated to match the expected value of the natural trigger route, so it does not improve the long-run return. It turns the session into a sequence of direct respin attempts. On a 100,000x ceiling game with very high volatility, a sequence of buys without a large outcome depletes a balance quickly.
What special symbols are in the Money Train 3 respin?
The Money Cart respin uses a set of special symbols that build the payout: standard money values, a Collector that sweeps and pays all visible values, a Payer that adds its value to every other money symbol, persistent versions of both that act on every remaining respin, and reset symbols that add spins. Money Train 3 adds more of these special types than the earlier games, which is what lets a strong round compound toward the 100,000x ceiling.
Is Money Train 3 suitable for casual play?
Not really. Very high volatility on a 5x4 grid means long dry spells in the base game before the respin triggers, and many respin rounds produce limited returns when few money symbols land. A casual session budget can exhaust before either condition produces a meaningful return. The game suits players who have a ring-fenced budget they can absorb losing, and understand the long-run edge belongs to the house regardless of the RTP version.
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