Release date: 22 September 2022 Developer: Relax Gaming Timezone: Australia/Brisbane
The Money Train series is one of Relax Gaming’s signature slot franchises. After the Wild-West-themed Money Train (2019) and steampunk-infused Money Train 2, the developer vaulted the series into a sci-fi future with Money Train 3. The third instalment exchanges dusty tumbleweeds for chrome-plated engines and glowing machinery without sacrificing the gritty outlaw vibe that made its predecessors popular. Australian players looking for high-volatility entertainment will find plenty to explore, especially if they want to play Money Train 3 and experience its futuristic, high-risk gameplay firsthand.
Money Train 3 at a glance
Before exploring the game’s full feature set, many players try the Money Train 3 demo to understand the mechanics, volatility and bonus behaviour without risking their bankroll.
| Feature | Money Train 3 Details |
|---|---|
| Developer | Relax Gaming |
| Launch date | 22 Sep 2022 |
| Layout & paylines | 5 reels × 4 rows; 40 fixed paylines |
| RTP (Return to Player) | Standard: 96.10%; Bonus-buy versions: 96.50%. Some casinos may offer lower settings (as low as 90%), so check the version you play. |
| Volatility | High – rated 5/5 with a hit frequency around 19.35% |
| Min / Max bet | Approx. AU$0.16 – AU$16 per spin (based on €0.10–€10 ≈ AU$0.16–AU$16) |
| Maximum win | 100 000× bet |
| Theme | Futuristic Western / cyberpunk train with 3D intro |
Visuals and theme
Money Train 3 opens with an animated scene that launches a gleaming, laser-powered train through a laboratory. The reels sit inside a skull-fronted locomotive surrounded by chrome and neon. The soundtrack combines Morricone-style Western guitar with rhythmic electronic beats, linking the game to its Wild-West roots while pushing it into sci-fi territory. Characters wear gas masks, goggles and cybernetic enhancements, and the pay symbols range from glowing card suits to four premium characters worth 8–20× your stake for five of a kind.
Gameplay and paytable
Money Train 3 plays on a 5×4 grid with 40 fixed paylines. Wins form when three or more matching symbols land from the leftmost reel across adjacent reels. Low-pay symbols return 0.20× to 5× the bet for five of a kind. Premium characters pay 8× to 20× your stake, and the gas-mask wild substitutes for any pay symbol and awards the same payout as the top-paying necromancer.
Random Respin feature
The base game includes a Random Respin mechanic that can trigger after any non-winning spin. When activated, one symbol type currently on the reels is chosen to become sticky; a respin is awarded and any new instances of that symbol also become sticky, granting further respins. Multiplier symbols worth 1×, 2× or 3× the bet may appear during respins; these do not stick but increase the round’s win multiplier. Respins end when no new sticky symbols land.
Money Cart Bonus Round
Landing three or more bonus symbols triggers the Money Cart Bonus. Persistent gold symbols can act as bonus symbols and also perform their action before the first spin. Each triggering symbol reveals a prize (typically 1×–10× the bet) and sticks in place as the feature begins with three respins. Whenever new symbols land, they stick and reset the spin counter back to three.
If a column fills with sticky symbols, an additional column opens; this can occur twice. The feature ends when you run out of respins or reach the 100 000× bet win cap. Prizes are summed and multiplied by your stake.
Special symbols
During the Money Cart Bonus, regular cash symbols (worth 1×–10× your stake) are joined by a host of special modifiers:
- Collector – collects all values in view and adds them to itself.
- Sniper – doubles the values of 3–8 other symbols and can target the same symbol more than once.
- Collector-Payer – selects 3–5 symbols, adds their values to its own and then pays its total back to those targets.
- Necromancer – revives 2–7 used non-persistent symbols.
- Absorber – absorbs all regular cash symbols and removes them.
- Tommy Gun Sniper – targets one symbol and doubles its value 2–6 times.
- Tommy Gun Payer – shows 5×–100× and adds that value to a random symbol 3–10 times.
Persistent symbols
Persistent symbols retain their effects on every spin and add long-term potential:
- Persistent Collector – collects all visible values at the end of each spin.
- Persistent Sniper – doubles 3–8 symbol values each spin.
- Persistent Collector-Payer – collects values from 3–5 symbols then pays its updated value to those symbols each spin.
- Persistent Necromancer – revives 1–7 used symbols at the end of every spin.
- Persistent Shapeshifter – transforms into a different special symbol on each spin.
Bonus-buy options (where allowed)
For players in jurisdictions that permit bonus-buy features, Money Train 3 offers four purchase options:
| Option | Cost (× bet) | Starting conditions |
|---|---|---|
| 1 Spin Feature | 20× | Start the bonus with 1 respin; resets to 1 each time a new symbol lands |
| 2 Spin Feature | 50× | Begin with 2 respins; resets to 2 when a new symbol lands |
| Original Feature | 100× | Standard bonus round with 3 respins |
| Persistent Feature | 500× | Starts with one guaranteed persistent symbol |
Bonus buys increase RTP from 96.10% to 96.50%, but they significantly raise the risk. Australian players should factor the game’s high volatility into their budget.
Player experience and payout potential
Money Train 3’s high volatility means long sequences of modest wins punctuated by occasional big hits. The hit frequency is around 19.35%, and the bonus round triggers roughly once every 434 spins on average. Most bonus rounds pay between 50× and 300×; truly massive wins require landing and repeatedly boosting persistent symbols.
The maximum win has been doubled to 100 000× your stake, and several players have reportedly reached the cap. With a bet range around AU$0.16–AU$16 per spin, bankroll management is essential—high volatility can quickly erode your balance.
Evolution of the series
Each entry builds on the previous one. The original Money Train introduced the Money Cart bonus with Collectors, Payers and Necromancers interacting to boost multipliers. Money Train 2 added the Random Respins feature, golden symbols and new persistent modifiers, doubling the max win to 50 000×. Money Train 3 doubles the potential again and adds even more modifiers like the Absorber, Tommy Gun Payer/Sniper and Persistent Shapeshifter.
The result is a more complex, more volatile bonus round capable of spectacular wins—but also longer dry spells. The aesthetic has evolved from classic Western to steampunk and finally to a sci-fi cyber-western hybrid.
How Money Train 3 compares to previous games
| Game | Release date | RTP | Volatility | Bet range (AU$) | Max win |
|---|---|---|---|---|---|
| Money Train (2019) | Aug 2019 | 96.2% (up to 98% with bonus buy) | Medium/High | 0.48 – 40 | 20 000× |
| Money Train 2 (2020) | 2 Sep 2020 | ~96.40% (up to 98% with bonus buy) | High | 0.32 – 32 | 50 000× |
| Money Train 3 (2022) | 22 Sep 2022 | 96.10% (96.50% with bonus buy) | High | 0.16 – 16 | 100 000× |
Tips for Australian players
- Check the RTP settings. Money Train 3 has multiple RTP configurations (90%–96.50%). Always choose casinos offering at least 96.10%.
- Manage your bankroll. Start at low bets (AU$0.16–AU$1). High volatility means long streaks without bonuses.
- Use bonus buys sparingly. Option costs range from 20× to 500×. The 500× Persistent Feature is very volatile.
- Use responsible gambling tools. Set session limits, deposit limits and loss caps.
- Play at licensed casinos. Choose operators that support AUD and offer provably fair Relax Gaming titles.
Conclusion
Money Train 3 is a fitting evolution of Relax Gaming’s flagship series, blending futuristic neon-lit Western action with a massive 100 000× top prize. The Random Respin feature adds spice to the base game, while the Money Cart bonus—with 13 modifiers and 5 persistent symbols—offers explosive potential.
Though the high volatility and 96.10% RTP mean big wins are rare, the potential remains immense. Compared to Money Train 2, the newer instalment doubles the maximum win and adds deeper mechanics. For Australian players who enjoy high-risk, high-reward pokies with a sci-fi twist, Money Train 3 delivers a gripping ride.
