Money Train 3

Q: What is the RTP of Money Train 3?

Official RTP: 96.1% (base game) / 96.5% (with Bonus Buy). Adjustable by operator — check via the in-game 'i' icon.

9.5/10

Release September 2022· Updated October 2026

Money Cart sequel from Relax Gaming (Sept 2022). MAX WIN 100,000x, Bonus Buy 20x/50x/100x/500x. BetsRank score: 9.5/10.

RTP

96.1%

Volatility

High

Max Win

100 000x

Grid

5 reels, 4 rows

Bonus Buy

Yes

Random respins (sticky symbols + multipliers ×1/×2/×3)Money Cart Bonus Round (3+ scatters)13 modifier symbols (Collector, Sniper, Necromancer, Shapeshifter + persistent)Reel expansion (up to 2 extra reels)Hit frequency 19,35%Bonus Buy 4 tiers: 20x / 50x / 100x / 500x

9.5

BetsRank Verdict

Our read of the game, based on the data the studio publishes

Released on 22 September 2022, Money Train 3 is the most beloved entry in the Money Cart franchise for the streaming community, ahead of Money Train 4's arrival. Format 5x4, 40 fixed paylines, RTP 96.1% (96.5% with Bonus Buy), high volatility (5/5), max win 100,000x, hit frequency 19.35%. Signature mechanics: random sticky respins in the base game (multipliers ×1/×2/×3), a Money Cart Bonus Round triggered by 3+ scatters with 3 respins that reset on every new sticky symbol, and reel expansion (fill a reel to add another, up to 2 times). 13 modifier symbols: Collector, Sniper, Necromancer, Shapeshifter + their persistent versions. A 4-tier Bonus Buy: 20x (1 respin), 50x (2 respins), 100x (3 respins standard), 500x (3 respins + guaranteed persistent symbol).

Strengths

+100,000x max win — second-best in the franchise
+4-tier Bonus Buy (20x to 500x — real flexibility)
+Money Cart with ×2 reel expansion
+96.1% RTP / 96.5% with Bonus Buy
+Reassuring 19.35% hit frequency

To consider

−Brutally high volatility (5/5)
−Bonus Buy banned in the UK
−5x4 format vs MT4's 6x6
−13 modifiers vs MT4's 20+

About Money Train 3

Released on 22 September 2022, Money Train 3 is the most beloved entry in the Money Cart franchise for the streaming community, ahead of Money Train 4's arrival a year later. Format 5x4, 40 fixed paylines, RTP 96.1% (96.5% with Bonus Buy), high volatility (5/5), max win 100,000x stake (which became the market's 'normal' ceiling before MT4's 150,000x), hit frequency 19.35%. Signature mechanics: random sticky respins in the base game with ×1/×2/×3 multipliers, and above all the legendary Money Cart Bonus Round triggered by 3+ scatters — 3 respins that reset every time a new sticky symbol lands (a reimagined Hold & Win mechanic), with reel expansion adding up to 2 extra reels as columns fill. 13 distinct modifier symbols: Collector (banks values), Sniper (strikes random symbols), Necromancer (revives dead symbols), Shapeshifter (changes a symbol's value) + their persistent versions. A 4-tier Bonus Buy: 20x (1 respin), 50x (2 respins), 100x (3 respins standard) or 500x (3 respins + guaranteed persistent symbol). Accessible 0.10€ minimum bet.

Key mechanics

▸Format 5x4, 40 fixed paylines
▸Random sticky respins (×1/×2/×3 multipliers)
▸Money Cart Bonus (3+ scatters, resetting 3 respins)
▸Reel expansion up to ×2
▸13 modifier symbols (Collector / Sniper / Necromancer / Shapeshifter)
▸4-tier Bonus Buy (20x / 50x / 100x / 500x)
▸RTP 96.1% / 96.5% (Bonus Buy)

💰 Bonus Buy: 20x (1 respin) / 50x (2 respins) / 100x (3 respins standard) / 500x (3 respins + guaranteed persistent)

❓Money Train 3 FAQ

What is the RTP of Money Train 3?▾

Official RTP: 96.

1% (base game) / 96. 5% (with Bonus Buy). Adjustable by operator — check via the in-game 'i' icon.

Money Train 3 vs Money Train 4 — which to choose?▾

MT3: more compact 5x4 format, 100,000x max win, 13 modifiers, 4-tier Bonus Buy (20x to 500x).

MT4: 6x6 Scatter Pays, market-record 150,000x, 20+ modifiers plus the Upgrader. MT3 remains a favorite for some streamers for its pacing and the flexibility of 20x/50x entries.

Which Bonus Buy tier should I pick on MT3?▾

20x (1 respin) = an ultra-cheap test.

50x (2 respins) = a good balance. 100x (3 respins standard) = the classic path toward the 100,000x max. 500x = guaranteed persistent symbol, high-variance over long sessions but 5x more expensive.

Is Money Train 3 available at online casinos?▾

Yes, on most crypto/anonymous casinos in the BetsRank top rankings that carry Relax Gaming.

Note: Bonus Buy is banned in the UK.