Money Train 3 is Relax Gaming's flagship: a western-steampunk heist train whose Money Cart bonus is one of the best in the genre. Persistent symbols and compounding values chase a staggering 100,000× max win. The extreme volatility is merciless, though – the base game is nothing but waiting in front of the bonus.
Money Train 3 is an online slot released by Relax Gaming on 22 September 2022, and it took the popular Money Train series up another level. The game fuses the Wild West with steampunk: a steaming heist train tears across the desert, crewed by a gang of cyberpunk-tinged outlaws. The series' trademark – the explosive Money Cart bonus round – is bigger and more brutal here than ever. In this review we go through how the game works, what its enormous win potential is built on and who it suits.
Money Train 3 – game info
RTP and bet figures are the default values published by the game provider. With the buy feature the RTP is 96.5%, and some casinos offer a lower-RTP version – check the figure in the game's info panel before you play.
Features – what the game offers
Money Train 3 slot review
Money Train 3 looks and sounds like a flagship. The theme is darker and more industrial than the earlier games in the series: a rusted steam train, gears, chromed weapons and a cast of characters that could have walked out of a sci-fi film. The graphics are polished throughout, the symbol animations are sharp, and the whole reel area is built into the side of a train carriage. The soundtrack backs the mood with a rumbling industrial score that ramps up during the bonus. Visually this is one of the most handsome games in the genre.
The base game plays out on five reels, four rows and 40 paylines. In all honesty: the base game is mostly a waiting room for the bonus. Base wins are small, and there's a light respin feature in which one symbol is picked to turn sticky and triggers respins – new hits reset the spin counter. It adds a little colour, but all eyes are on the scatter symbols. Three scatters open the heart of the game: the Money Cart bonus round.
Money Cart is what Money Train 3 is remembered for. When you enter the bonus, the base reels disappear and are replaced by a grid of nothing but money symbols. You get three respins, and every time a new symbol lands it sticks in place and resets the counter back to three. When a full reel fills up, the grid expands with an extra reel – this can happen twice, growing the grid up to 7 × 4. The money symbols carry values of 1×–10× your bet, but the real explosion comes from the special symbols: the Collector gathers the values of all symbols into itself, the Sniper doubles the values of other symbols, the Payer distributes its value to others, and the Necromancer brings already-used special symbols back to life. Once these start chaining together, the values compound uncontrollably.
The third game's biggest addition is the persistent special symbols (Persistent Collector, Persistent Sniper, Persistent Payer, Persistent Necromancer and even a shape-shifting Shapeshifter). They don't act just once, but again on every remaining respin. A single Persistent Collector, gathering values round after round, can grow the pot to astronomical levels – and that's exactly where the game's 100,000× max win comes from. It's the highest in the series and among the very best in the whole slot genre. An important caveat: that ceiling lands extremely rarely. The free spins trigger on average only about once in 434 spins, and the vast majority of bonuses end on a modest result.
For the impatient there's a buy feature on four price tiers: 20× your bet (one starting spin), 50× (two starting spins), 100× (a regular Money Cart) and 500× (a bonus that already starts with one persistent symbol). A pricier buy improves your starting position but guarantees nothing – a 500× stake can vanish in an instant if the symbols don't cooperate. The buy feature lifts the RTP to 96.5%, which is a marginal edge, not a shortcut to a win.
Who is the game for? Money Train 3 is dedicated to the player who enjoys high-risk thrills and a huge win ceiling and won't be put off by long losing streaks. Very high volatility means your balance can drift downwards through dozens of empty spins, with returns coming from rare but enormous bonuses. If you're after steady, relaxed entertainment on a small budget, this isn't your game – Money Train 3 is a bonus hunter's game, not a calm evening's play. Players most often praise, in their Money Train 3 experiences, exactly the tension of the Money Cart and those rare moments when the persistent symbols line up and the pot explodes.
Summary: Money Train 3 is a technical and visual tour de force that pushes the series' bonus mechanics to the limit. It's not for everyone – the base game is dry and the volatility merciless – but for those chasing the genre's fiercest bonus round and a genuine 100,000× dream, it's absolutely top tier. The Klinq editorial score: 4.2 / 5.
Where to play Money Train 3
Money Train 3 is available at most quality casinos, but withdrawal speed and taxation decide where it's worth playing. Below are three casinos on tax-free licences – each with its own strength. Taxation is determined by the licence: winnings from MGA-licensed casinos are tax-free for the player.
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