Specs at a glance
Not every number is on the official Relax page, so we combined it with launch coverage and a review.
| Spec | Money Train 3 |
|---|---|
| Provider | Relax Gaming |
| Release | 22 September 2022 (Relax Gaming news) |
| Grid and lines | 5 reels × 4 rows (Bigwinboard), 40 fixed lines (Relax) |
| RTP | 96.10% base, 96.50% on bonus buy (iGaming Business, Bigwinboard). On the Relax product page: "German RTP" 90.00% and "Alternative RTP" 94.00% |
| Volatility | High (Relax Gaming news; Bigwinboard: 5/5) |
| Max win | 100,000× the bet |
| Min/max bet | €0.10 / €10 (Relax). May differ on your site and in your currency. |
For other games with this kind of breakdown, see the slot games hub.
How you win
In the base game, it's a payline slot with 40 fixed lines and wilds. But the real focus of the game is the bonus.
There's also a random respin feature: according to Relax, it can trigger at the end of a non-winning spin. According to Bigwinboard, there are multiplier symbols (x1, x2, x3) in the base game. If you're new to paylines and RNG, read the slots guide.
Features
The Money Cart bonus is the heart of Money Train 3.
- Money Cart trigger. Three or more bonus symbols anywhere. Each one shows a value as a multiple of your bet, and you start with 3 spins.
- Respins. According to Bigwinboard, the spins reset to 3 whenever a new bonus symbol lands.
- Special symbols. The Collector, Sniper, Necromancer and Collector-Payer are back. New in part 3 are the Persistent Shapeshifter (turns into a different feature each spin), the Absorber (collects multipliers and adds them to itself) and the Tommy Gun (targets one type of symbol to raise its value).
- Persistent symbols. Some special symbols have "persistent" versions that stay active during the bonus.
- Bonus buys. The Relax page lists four options. According to Bigwinboard: 20× (1 starting spin), 50× (2 starting spins), 100× (standard) and 500× (with 1 persistent symbol). They may be disabled on some sites or markets.
RTP, volatility and budget
Two things to know: the bonus buy has a different RTP from the base game, and there are lower versions.
On ₱1,000 in total bets, the expected cost at 96.10% is about ₱39. At 94.00%, about ₱60. At 90.00%, about ₱100. So check the game's info screen on the site itself. The explanation is in the RTP guide.
The volatility is very high. A 100,000× max win means a big share of the RTP is tied up in extremely rare results. For most sessions, the return is smaller than the average.
Just an example: a 100× bonus buy at a ₱10 bet is ₱1,000 in one click, and that's just one bonus. If ₱1,000 is your whole budget, small spins make more sense, like ₱2 for 500 spins, and accept that you may never see the bonus. Read the volatility guide.
Myths and common mistakes
- "It can pay 100,000×, so I'll win it back." That's the maximum, not the average. It's extremely rare.
- "The RTP is higher on the bonus buy, so always buy." The RTP is slightly higher, but the bet per click is also much bigger. Your budget runs out faster.
- "The RTP is the same on every site." There are documented 90% and 94% versions.
- "The bonus is close because there were lots of respins earlier." Every spin is independent.
To learn who Relax Gaming is and why studios set up RTP differently, read the slot providers guide.
Where to play legally
Only play on a PAGCOR-licensed site. Money Train 3 is made by an international studio, so not every site in the Philippines carries it, and we don't verify which licensed sites offer it.
Before signing up, check the site's exact address with our PAGCOR license checker. Many copies and fake sites use popular game names to lure players. Only deposit inside the site's own cashier, never to an "agent's" personal GCash number. Read the safe GCash and Maya deposit guide for slots before putting in money.
If it's not fun anymore
If you're already chasing losses, stop for now. Read our responsible gaming tips and take a break.
Open 24/7. Free and confidential. Players and families can call.
FAQ
What is the RTP of Money Train 3?
96.10% in the base game and 96.50% on bonus buy according to iGaming Business and Bigwinboard. But the official Relax page also lists 90.00% and 94.00% versions, so check the info screen on the site you'll use.
Is Money Train 3 high volatility?
Yes, it's high volatility according to Relax Gaming, and 5/5 on Bigwinboard. Most of the potential is in the Money Cart bonus, which doesn't come often.
How do you trigger the Money Cart bonus?
You need three or more bonus symbols anywhere on the reels. You start with 3 spins, and they reset to 3 whenever a new bonus symbol lands.
Is there a free demo of Money Train 3?
Many providers offer demos on their own sites. We don't link to demos we haven't verified, so look for it on the official provider site or on a PAGCOR-licensed site.
Sources
- Relax Gaming, Money Train 3 product page (German RTP 90.00%, Alternative RTP 94.00%, 40 fixed lines, €0.10–€10, 100,000× max win, features, 4 bonus buys)
- Relax Gaming, Money Train 3 launch news (September 22, 2022 release, high volatility, 100,000×, Money Cart trigger and 3 spins, respins on non-winning spins)
- iGaming Business, Money Train 3 by Relax Gaming (96.10% RTP (96.50% feature buy), high volatility, 100,000×, new features)
- Bigwinboard, Money Train 3 (Relax Gaming) slot review (5×4 grid, 40 lines, 96.1%/96.5% RTP, 5/5 volatility, base multipliers, respin reset, bonus buy prices)
Kassandra Marcos is SugarFun's lead reviewer. She checks every site against PAGCOR's official list and writes our game and responsible gaming guides. How we test