Money Train 4 in detail: paytable, respins and the Money Cart round
Released on 20 September 2023, Money Train 4 is the game that made Relax Gaming's ceiling the number everyone else gets measured against. It pays up to 150,000x your stake, against 100,000x for Money Train 3, 50,000x for Money Train 2 and 20,000x for the original. That escalation is the point of the series, and the fourth entry is where it stops being a marketing figure and starts being a design constraint.
The base game is a 6x6 grid using scatter pays: position is irrelevant, only how many of the same symbol are in view. There are eight standard symbols, four characters and four card suits. The two top characters start paying from 8 in view; everything else needs 10. Payouts then step up at 10, 12, 15, 20, 25, 30 and 36 symbols. Concretely: the card suits pay 0.40x to 0.50x for 10 in view and reach 100x to 125x for a full board of 36. The mid characters pay 1x to 1.20x for 10 and reach 250x to 400x for 36. The two premium characters pay 1x to 1.20x from 8 and top out at 500x and 1,000x for 36. Even a perfect base game screen is worth 1,000x — a hundred and fiftieth of the maximum win. The bonus is not optional here; it is the entire game.
Two things happen before it. The Respin feature can fire at random after any spin: the game takes whichever symbol is most present on the grid, locks every copy of it in place, and respins with only that symbol, multipliers or blanks able to land. Each new locked symbol or multiplier buys another respin, and the multipliers collected along the way are applied to the final total. That mechanic is why the hit frequency of 20.14% — roughly one paying spin in five — does not feel like a marketing figure.
Then there is the Money Cart bonus, triggered by 3 or more bonus scatters. It opens on a 6x4 grid with 3 respins, and the grid can unlock up to four more rows as they fill, reaching 6x8. Bonus symbols carry a value from 1x to 10x your stake, and 21 modifier symbols decide what happens to those values. Collector adds every visible value to itself, with Adjacent variants that only take from the eight surrounding positions. Payer pushes its value outward. Collector Payer picks up to five targets, adds their values together and pays each one. Sniper doubles up to eight bonus symbols and can hit the same one twice. Arms Dealer converts up to four bonus symbols into modifiers. Necromancer revives up to seven spent non-persistent modifiers. Unlocker opens a row, Reset Plus adds a starting respin and Upgrader promotes up to three modifiers to persistent status. Almost all of them have a Persistent version that fires again every single respin, plus a Shapeshifter that changes into a different modifier after each one.
The RTP needs care. Relax publishes 96.10% as the default, but supplies 94% and 90% builds that an operator can deploy without announcing it. Buying the bonus runs at 96.50%, slightly above the base game: 100x for a standard entry, 500x for a version that guarantees one persistent symbol on the board. Stakes are 0.10 to 6 a spin, and volatility is a genuine 5 out of 5.
