Money Train 3 launched on September 22, 2022, and ruled the Money Cart format for a full year, until MT4 arrived in September 2023. Plenty of streamers still prefer it for its pacing and the unique flexibility of its 4 bonus buy tiers (20x to 500x).
TL;DR
- Relax Gaming slot, September 2022, a direct sequel to Money Train 2 (September 2020). Format 5x4, 40 fixed lines. RTP 96.1% (96.5% with bonus buy).
- High volatility (5/5), MAX 100,000x, a reassuring hit frequency of 19.35%.
- Random sticky respins in the base game (x1/x2/x3 multipliers), plus a Money Cart Bonus with 13 modifier symbols and reel expansion up to x2.
- 4-tier bonus buy (20x / 50x / 100x / 500x) — a flexibility unique in the franchise.
Money Train 3 vs Money Train 2 vs Money Train 4
| Slot | Format | RTP | Max Win | Bonus Buy |
|---|---|---|---|---|
| Money Train 2 (2020) | 5x4 | 96.4% / 98% | 50,000x | Flat 100x |
| Money Train 3 (2022) | 5x4 | 96.1% / 96.5% | 100,000x | 20x / 50x / 100x / 500x |
| Money Train 4 (2023) | 6x6 | 96.1% | 150,000x record | 100x / 500x |
MT3 is the sweet spot: double MT2's max win, but with more bonus buy tiers than MT4.
The 4 bonus buy tiers — MT3's signature move
This is the mechanic that makes MT3 unique in the franchise:
| Tier | Cost | Guarantees |
|---|---|---|
| 20x | 1 respin | Ultra-cheap test, a glimpse of the Money Cart |
| 50x | 2 respins | Budget/experience compromise |
| 100x | 3 respins (standard) | The classic path toward 100,000x |
| 500x | 3 respins + persistent | A pre-loaded persistent symbol — EV-positive long-term |
⚠️ Bonus buy is banned in the UK. The 20x tier lets small bankrolls reach the Money Cart without breaking the bank — an innovation still valued today.
Money Cart Bonus Round — 13 modifiers
3+ scatters trigger the Money Cart. Here are the modifier symbols available in MT3:
- Collector — cashes in the values present on the grid
- Sniper — strikes random symbols and adds a value to them
- Necromancer — revives dead symbols as sticky
- Shapeshifter — changes the value of a random symbol
- Reset — resets respins to 3
- Bonus — triggers a mini-game
- Wave Sniper — strikes in a cascade
- Persistent variants (Collector P / Sniper P / Necromancer P / Shapeshifter P / Bonus P) — stay in play until the bonus ends
Persistent symbols accumulate across respins — building exponential potential across long sessions.
Reel expansion — the key to 100,000x
A mechanic inherited from earlier MTs: completely filling a reel (from bottom to top) adds an extra reel on the right. A maximum of 2 extra reels can appear within a single Money Cart.
The upshot: the grid can grow from 5 reels to 7 reels, multiplying the chances of hitting modifiers, and therefore the win potential. That's mathematically the path to the 100,000x.
Random respins — base game
Outside the Money Cart, MT3 has its own charm. Any losing spin can convert into a random sticky respin:
- Symbols lock in place (sticky)
- Revealed multipliers of x1, x2, or x3
- Respins continue until no further wins land
That's the mechanic that keeps sessions engaging even without triggering the Money Cart.
Base RTP vs bonus buy comparison
| Mode | RTP | Notes |
|---|---|---|
| Base game | 96.1% | Regular sessions, waiting for the Money Cart |
| Bonus buy 100x | 96.5% | +0.4pt of EV — mathematically worthwhile |
| Bonus buy 500x | 96.5% | Persistent symbol guaranteed, aiming for the 100,000x |
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FAQ
What is Money Train 3's RTP?
Official RTP: 96.1% base game / 96.5% with bonus buy. Check via the in-game "i" button — some operators run degraded versions.
Money Train 3 or Money Train 4?
MT3 brings a more compact 5x4 format, a 100,000x max, 13 modifiers, and 4 bonus buy tiers (20x to 500x — real flexibility). MT4 brings 6x6 Scatter Pays, a market-record 150,000x, and 20+ modifiers plus the Upgrader. Some streamers still prefer MT3 for its pacing and the 20x/50x flexibility.
Which bonus buy tier should I choose on MT3?
20x (1 respin) is an ultra-cheap way to see the Money Cart risk-free. 50x (2 respins) is a solid compromise. 100x (3 respins, standard) is the classic path toward the 100,000x. 500x guarantees a persistent symbol and is EV-positive on long sessions, but costs 5x more — for high rollers chasing the big win.
Is Money Train 3 available at real-money casinos?
Yes, at most of the top-rated crypto/anonymous casinos in our comparison that carry Relax Gaming. ⚠️ Bonus buy is banned in the UK.
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