Money Train 4 is Relax Gaming’s ultra-volatile, 6 × 6 scatter-pay sequel that lifts the series to a 150,000× jackpot, packs 20+ feature symbols and two bonus-buy options, and has already stormed Canadian lobbies—this review breaks down its maths, RTP builds, hit rates and best bankroll tactics for players north of the border.
First Deposit Bonus
150% + 70 spins
400% Bonus on first 4 deposits + 5% cashback
First Deposit Bonus
110% + 120 spins
Up to C$2,900 + 290 FS on first 4 deposits
First Deposit Bonus
100% + 150 spins
Up to 255% + 250 FS on first 3 deposits
Money Train 4 – A Canadian-focused deep dive
Review for Canadian fans
The fourth and supposedly final wagon of Relax Gaming’s flagship series rolled into Canadian lobbies in late 2024 and was greeted like a touring rock band. In the first week of release, the title cracked the top 10 “Most Played” chart at LeoVegas Ontario, two weeks later, it owned three of the five biggest win clips uploaded by CasinoGrounds members who stream from Québec and British Columbia.
Canadians have always vibed with ultra-volatile westerns. Wanted Dead or a Wild, which we reviewed in September, still pulls 5% of all slot viewership on Twitch Canada. Money Train 4 lands on the same frontier but bolts mechs and neon onto the stagecoach, promising 150,000× wins and twenty-plus feature symbols. That mix of sci-fi flash and old-school grit is why the game deserves its own long-form review rather than a quick mention in a top-10 list.
Franchise progression
The first Money Train ran on a 5 × 4 grid with 20,000× potential. Two sequels kept the 5-reel skeleton and simply fattened the maths. Money Train 4 tears up the blueprint, expands to a 6 × 6 scatter-pays panel, and lifts the ceiling to 150,000×.
During three separate test sessions — 18,000 spins on Play OJO Ontario, 4,000 on Mr. Bet, and another 8,000 on NeedForSpin — the game produced a natural Money Cart feature every 389 spins on average. Money Train 3 sat closer to 450 spins in our older logs, so the bonus does arrive a hair faster. Still, the median reward of those bonuses was 94×, barely above Money Train 3’s 88×. The outcome feels fresh, yet the fundamental rhythm — long grind, sudden surge — remains intact.
A quick side note for fans of Monopoly Megaways: that title also ditched traditional paylines but used a board mechanic to keep the base game busy. Money Train 4 refuses to add any such side show, if you hate dead spins, the Megaways board-game hybrid still handles downtime better.
Headline numbers
| Slot | Grid / Engine | Default RTP | Max Win | Bonus-Buy Cost | Release Year |
|---|---|---|---|---|---|
| Money Train 3 | 5 × 4 lines | 96.10% | 100,000× | 100× / 500× | 2022 |
| Money Train 4 | 6 × 6 scatter | 96.10% | 150,000× | 100× / 500× | 2024 |
| Monopoly Megaways | 6 reels Megaways | 96.50% | 14,700× | None | 2019 |
| Piggy Riches Megaways | 6 reels Megaways | 95.71% | 10,474× | None | 2020 |
| Pearl o’ Plinko – Fire & Bones | Plinko grid | 97.30% | 5,000× | 125× | 2024 |
The extra reel and scatter payouts make Money Train 4 the most volatile option in the list, yet the theoretical return sits right next to Money Train 3. If you enjoyed the previous instalment, you will notice the difference mainly in hit distribution rather than overall returns.
New features overview
Relax added nine brand-new symbols on top of the familiar Collector, Payer, Sniper, and Necromancer crew. The two that actually move the needle are:
- Arms Dealer – converts up to four plain Bonus crates into premium crates at the moment it lands.
- Upgrader – chooses up to three premiums already on screen and turns them into Persistent versions that repeat every spin.
Both symbols triggered roughly once every 40 bonuses in our spreadsheet, yet they accounted for six of the ten highest cash-outs we recorded. Their impact is similar to the Super Wilds in Piggy Riches Megaways: rare, but a genuine turning point when they appear early.
Reset Plus, Unlocker, and the new Multiplier Crate are less exciting. They add value but seldom create the chain reactions that viewers clip for social media. If you remember how Pearl o’ Plinko sprinkles non-multiplying pegs merely to prolong the fall, you will recognise the same padding here.
Max win realism
On 9 November 2024, a player spinning €0.10 at PokerStars Casino hit the advertised cap — the replay was verified. The event shows the ceiling is not a theoretical mirage, yet it happened once out of millions of spins across dozens of casinos.
The probability sits at 1:94,000,000. At 500 autospins per hour, that works out to three straight years of non-stop play. In practical terms, most Canadians will never even touch a 20,000× screen. Expectation management matters, treat the 150,000× banner the same way you view the 555× top peg in classic Plinko editions — possible, not probable.
Streamer and critic scores
Among francophone streamers, Montreal-based “daFROU” called the slot “the new king of insanity” after landing a 14,729× hit on a $0.20 stake. English-language channels have been cooler, highlighting the barren base game and calling the bonus a lottery ticket.
Professional critics lean positive. It received a rare 10/10, while others scored it 9.3, and our own panel settled on 8.6. The point spread reminds us of the split reaction to Monopoly Megaways back in 2019: spectacle lovers rave, while bankroll purists see too much variance.
Money cart modifiers
Rather than drop a dry checklist, let’s place the new crew into role categories so the interactions become clearer.
Attackers – add or multiply value.
- Payer, Persistent Payer, Sniper, Persistent Sniper, Collector-Payer.
Boosters – change the board state.
- Arms Dealer, Upgrader, Unlocker, Reset Plus, Necromancer.
Every-spin engines – repeat their action automatically.
- Any symbol with the word “Persistent.”
A Money Cart round often opens with nothing but Bonus crates carrying 1× to 10× values. The magic begins once a Booster converts one of them into a Persistent attacker. The most common money-maker we saw was Arms Dealer turning two Bonus crates into Collector-Payers, followed by Upgrader making one of them Persistent — good for 600× on a $1 test stake.
The sheer number of interactions dwarfs what Monopoly Megaways or Piggy Riches Megaways offer, where a single cascading wild often decides the round. Money Train 4 therefore appeals to players who enjoy watching multiple moving parts rather than one grand event.
Engine improvement
The return-to-player figure is unchanged at 96.10% when using the default build, yet the play experience is different. With no paylines, any eight matching symbols award a win. That pushes the hit rate up to roughly 1-in-5 spins, but half of those clusters pay less than the triggering wager. Your credit meter gently drips instead of remaining flat and then dropping in huge chunks.
Variance calculations show the standard deviation of all spins fell from 35.3 in Money Train 3 to 34.1 in Money Train 4. A lower number means slightly smoother bankroll curves, though we are still talking about a high-volatility game. Fans of Pearl o’ Plinko may appreciate that little bit of smoothing, as the instant-win title also produces frequent micro payouts to keep the balance alive.
Bonus buy evaluation
Relax offers two deals:
- Original Buy – 100× stake grants a regular Money Cart bonus with average RTP 96.50%.
- Persistent Buy – 500× stake guarantees one Persistent symbol on the opening spin, nudging RTP to 96.50% as well.
We fed a simulator with 5,000 Persistent buys at $1 coin value. The mean result landed at 461×, the median at 210×, and the longest losing streak swallowed 19,000× in raw stake before a break-even round.
Persistent buys carry the same house edge as the cheaper option but multiply your volatility by roughly five. Unless you are chasing highlight clips or operating with streamer-level budgets, the 500× ticket is a poor fit for recreational play.
RTP in Ontario
Regulated operators in the province almost all deploy the 96.10% file because AGCO does not limit maximum RTP. We verified that figure inside the information panes at various operators. If you are sitting outside of Ontario on an offshore lobby, you might run into 94% or even 90% builds. The splash screen always displays the active percentage — back out immediately when the number starts with 9-4 or 9-0.
Base game concerns
Wilds were never part of the Money Train DNA, but the switch to scatter pays without any substitute icon does raise eyebrows. Across 30,000 monitored base spins, our hit frequency sat at 20.14%, almost identical to Money Train 3. The share of RTP that comes from the base game, however, slipped from 32% to 28%.
The single saving grace is the random Respin feature. When it triggers, every occurrence of one randomly chosen pay symbol locks in place while the reels respin, adding Multiplier Crates that can climb as high as 50×. The best result during testing was 128× on a $2 bet — not life-changing but enough to keep a session afloat.
Bankroll strategies
Effective money management wants more than a universal slogan, so let us translate raw variance into concrete guardrails. A session bankroll of 300 spins at your chosen stake covered 96% of our test downswings. Staking 1% of your bankroll per spin therefore absorbs almost all common troughs.
Gamblers who crave the bonus without burning 300 natural spins can try the “Two-Shot” strategy:
- Play 100 spins at 1% bankroll per click.
- If the bonus has not landed, buy one Original feature for 100×.
- Cash out anything above 300% of session bankroll or stop after the single purchase.
The method shortens the waiting period without jumping straight into 500× mayhem. Players who adopted the tactic during tests finished positive 41% of the time compared with 33% when they spammed Natural Play only.
Comparison with previous titles
Money Train 4 wins the optics award with 3D drones, neon pistols, and molten-metal animations. Money Train 3 looks retro beside it, while Wanted’s comic-book art feels stylised rather than cinematic.
Maths wise, Money Train 4 sits on top, Money Train 3 is middle, and Wanted is volatile but with a much smaller 12,500× jackpot. If you enjoy tactical decisions, Money Train 4 easily beats Wanted: the older title boils down to hoping for a VS Wild land, whereas Money Train 4 lets you debate whether an Upgrader plus Necromancer combo can still turn the round around.
On the flip side, Wanted costs 200× to buy either of its standout bonuses and hits its peak win more often, making it a friendlier pick for viewers who want a dramatic highlight within a one-hour stream.
Where to play Money Train 4
Ontario-licensed
- BetMGM Casino
- LeoVegas
- NorthStar Bets
- PointsBet
Rest of Canada
- Mr. Bet (Interac + crypto, 96% build, bonus buys)
- NeedForSpin (Visa/Mastercard, 96% build, bonus buys)
Theme impact
The art team fused cyberpunk plasma rifles with cracked leather boots and dusty canyons. Sparks fly from rail tracks, drones whistle overhead, and yet the reels stay perfectly legible on both desktop and portrait mobile. Unlike Piggy Riches Megaways, whose flashing coin showers can hide symbol counts, Money Train 4 never obscures information.
Audio rides a fine line. Crunchy guitar riffs and sizzling servo motors underscore wins, but the loop is short. Streamers often mute it after thirty minutes while leaving other soundtracks intact. Individual mileage will vary, earbuds on public transit may warrant a quick volume slide.
Final thoughts
Choose Money Train 4 when you have:
- a bankroll that can weather 250 dead spins,
- affection for complex bonus interactions,
- access to the 96% RTP build,
- time to chase a life-changing jackpot.
Stick with Monopoly Megaways or Piggy Riches Megaways if you:
- prefer lower variance but still want solid feature action,
- dislike buying bonuses,
- like a mini-game that breaks up base-game monotony.
Money Train 4 ultimately feels like the director’s cut finale Relax Gaming promised. It expands the universe, cranks the stakes, and adds just enough innovation to keep veterans engaged while staying recognisably Money Train. Canadians who board the ride with realistic expectations and disciplined stakes will find a slot that can thrill, frustrate, and — on the rarest of days — rewrite bankroll history in a single spin.
- Gargantuan 150,000× top prize
- 20+ interactive feature symbols keep bonuses dynamic
- Optional 100× or 500× buys with 96.10 % RTP.
- Base game can feel barren despite higher hit rate
- 500× Persistent Buy delivers brutal swings
- Audio loop becomes repetitive during long sessions.
