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Last updated: July 2026
Relax Gaming billed Money Train 4 as the “final destination” — the deliberate, announced end of the main line — and released it on 20 September 2023 with the numbers a finale demands: a 150,000x max win (the franchise record), 96.10% default RTP (96.50% via bonus buy), six reels with Scatter Pays replacing the classic 40-ways grid, and a feature list that blows past twenty entries, headlined by the new Arms Dealer. Bets run €0.10 to €6. It is the biggest, loudest, most complicated Money Train ever made — by design.
Vital Statistics
| Spec | Detail |
|---|---|
| Provider | Relax Gaming |
| Release | 20 September 2023 |
| RTP | 96.10% default / 96.50% bonus buy (default builds — operator versions can be lower) |
| Volatility | Very high (editorial rating) |
| Grid | 6 reels, Scatter Pays |
| Max win | 150,000x |
| Bet range | €0.10 – €6 |
A Finale on Purpose
Franchises usually fade; this one chose an ending. Relax marketed MT4 explicitly as the last stop of the mainline series, and the design reads like a closing argument — every idea from four years of Money Train and Money Cart games returns, upgraded, on the largest grid the series has used. Whether you find that thrilling or exhausting is the real dividing line among fans, and this review won’t pretend otherwise.
Six Reels, Scatter Pays: A New Base Game
For the first time in the series, wins don’t travel along ways or lines. MT4 uses Scatter Pays: land enough matching symbols anywhere across the six reels and they pay, position irrelevant. Two practical consequences:
- The grid feels looser and faster — every spin evaluates the whole board at once.
- Six reels give the bonus trigger and feature symbols more room to appear, which the feature-dense design depends on.
Base pays remain the series’ familiar slow-burn; the added reel is there to serve the feature economy, not to make base spins rich.
Twenty-Plus Features and the Arms Dealer
The bonus is still the Money Train respins format at heart — value symbols, counter resets on new landings, specials transforming the board — but the toolbox is now enormous. The full cast tops 20 features. The essentials:
- Payers, Collectors, Snipers, Necromancers — the series’ four pillars, all present: adding value board-wide, absorbing the grid, doubling random symbols, and resurrecting spent specials.
- Arms Dealer — MT4’s signature. Instead of acting on values directly, the Arms Dealer hands out abilities to other symbols, effectively minting new specials mid-round. It’s a force multiplier, and late-round Arms Dealer chains are how the truly absurd totals happen.
- Upgrader — improves symbols to more valuable states.
- Unlocker — opens up additional positions/areas of the bonus grid.
- Reset — restores the respin counter, extending rounds that were dying.
- Respin — grants extra spins on demand.
Persistent variants return as well, and the bonus buy menu reflects it: a standard buy at 100x stake, or a 500x buy that starts the round with persistent specials in play. (Buys are unavailable in restricted markets — that gap is exactly what Money Cart 4 was later built to serve.)
If MT2’s eleven modifiers were a curated toolkit, MT4’s twenty-plus are an arsenal. Rounds here have more moving parts than anywhere else in the franchise — spectacular when they connect, genuinely hard to follow on your first sessions.
The Math Behind 150,000x
The default RTP is 96.10%, rising to 96.50% through the buy — identical to Money Train 3, so the finale’s extra ceiling didn’t cost additional baseline RTP. Both figures are factory defaults; reduced operator builds exist across the industry, so confirm the number in the game’s info screen before you play.
Now the honest part. A 150,000x cap on a 96.10% game means the win distribution is stretched to an extreme: the rare giant outcomes are funded by everyone else’s ordinary sessions. Expect very high volatility, long featureless stretches, and bonus rounds that mostly resolve far below the fantasy. The €6 max bet reins in exposure per spin, but variance this sharp deserves respect regardless of stake — our RTP and volatility guide covers how to size a bankroll for games shaped like this.
Against Its Own Family
Versus its 2022 predecessor: same default math, but MT4 trades the focused persistence engine for breadth — more reels, more features, a 50% higher cap. Versus Money Train 2: MT2 keeps the better default RTP (96.40%) and the cleaner design; MT4 triples its ceiling. Our shorthand: MT2 is the craftsman’s pick, MT4 the showman’s. And if you love this feature set but wish it were all bonus, all the time, Money Cart 4 is literally that product.
Where the finale sits among all nine games — including the jackpot-carrying Origins Dream Drop — is laid out in the complete Money Train guide.
Real-Money Play: Our Picks
VAVADA first. It’s carried the complete Relax Gaming portfolio under an official distribution deal since March 2021, so flagship releases like MT4 belong to its core catalogue rather than a partial third-party feed. The welcome package suits the series’ whole aesthetic: 100 free spins without a deposit, then 100% up to $1,000 on your first deposit, with a $1 minimum, crypto and card banking, and withdrawals that typically complete inside 24 hours. Full operator breakdown in the VAVADA review; wagering details in our welcome bonus analysis.
For crypto-native players, Housebets (Relax carrier, confirmed by multiple review sources) runs a 150% first-deposit match up to $1,000 — details in our Housebets review.
Demo note: with twenty-plus features to learn, MT4 is the series entry that most rewards free-play first. Demo availability varies by market; check the game tile in your lobby.
FAQ
Is Money Train 4 really the last Money Train?
For the mainline, yes — Relax marketed it as the finale (“final destination”), and nothing in our sources points to a Money Train 5. The bonus-only Money Cart line continued afterward.
What is Money Train 4’s max win?
150,000x your bet — the largest cap in the franchise and one of the largest in the industry. At the €6 maximum stake that’s the theoretical ceiling, not an expectation; virtually all rounds resolve far below it.
What RTP does Money Train 4 have?
96.10% by default, 96.50% through the bonus buy — the same split as Money Train 3. Operators can run lower builds, so verify in-game.
What does the Arms Dealer do?
It grants abilities to other symbols during the bonus, effectively creating new special symbols mid-round — a multiplier on the entire feature system rather than on any single value.
How much does the bonus buy cost?
100x stake for the standard bonus, 500x for the version with persistent specials, in markets where buys are permitted.
Verdict
Money Train 4 is maximalist by intent and mostly earns it. Scatter Pays across six reels keeps the finale from feeling like a re-skin, the Arms Dealer is a worthy last invention, and 150,000x is a fitting closing number. It is also, unavoidably, the least approachable game in the series — start at MT2 or MT3 if you’re new. As an ending, though? The train left on a high.
Play Responsibly
Record-breaking ceilings come with record-breaking droughts — no session is ever “due”, and chasing a 150,000x fantasy is how budgets die. Set your limit before spinning and keep it. Free confidential help: BeGambleAware, GamCare, Gambling Therapy.