Game review
The Money Train 4 pokie is Relax Gaming's final chapter of its hold-and-win series, released in September 2023 with a 96.1% RTP and a maximum win of 150,000 times the bet, the highest in the franchise. Nearly everything happens in the Money Cart Bonus, where sticky symbols collect, pay and multiply each other.
This pokie review Australia edition sticks to published figures. Relax Gaming did not publish a game page we could reach, so the figures below come from the studio's launch coverage in the trade press and from game information listings. We note where they differ.
| Studio | Relax Gaming |
|---|---|
| Released | September 2023 |
| RTP | 96.1% standard; a 94% version also exists; 96.5% with the bonus buy |
| Volatility | Very high (5 out of 5) |
| Grid | 6 reels; listings show a 6x6 layout |
| Lines | None; scatter-style pays |
| Hit frequency | About 20% |
| Max win | 150,000x the bet |
The Money Train 4 RTP of 96.1% is typical for a modern pokie, but the very high volatility rating means the everyday experience is lean: most of that return is stored in rare, large bonus rounds. A hit frequency of about one spin in five confirms that long quiet spells are normal.
The base game is mainly a route to the bonus. Wins come from matching symbols landing in sufficient numbers anywhere on the grid, with lower-value card suits and higher-value characters drawn from the series' bandit cast. A respin feature can trigger at random after a base-game spin, making the most common symbol sticky and respinning the rest, with multiplier symbols added to the win.
Three or more bonus scatters start the Money Cart Bonus, a hold-and-win round with three respins. Every symbol that lands sticks in place and resets the counter to three. Filling a row unlocks another, up to four extra rows, giving the round more room to grow. It ends when the respins run out or the 150,000x cap is reached.
The fun is in the special symbols. Collectors gather the values of other symbols; Payers add their value to others; Snipers hit random symbols with multipliers; and the line-up also includes the Collector Payer, Arms Dealer, Necromancer, Shapeshifter, Unlocker, Reset Plus and Upgrader, each with its own effect on the grid, set out in the in-game paytable. Several of them have persistent versions that act again on every respin, which is how a modest round can snowball. Gold persistent symbols can also count towards triggering the feature.
Where the casino allows it, the bonus can be bought: about 100x the bet for a standard Money Cart, or 500x to start with a persistent symbol. At a A$1 stake that is A$100 or A$500 in one click, so treat it with care. Bonus buys are not available in every market.
This is a game for patient players with a budget to match. If you enjoyed earlier Money Train titles or other hold-and-win games, the fourth instalment adds more characters and a far higher ceiling. If you prefer frequent small wins, it will feel slow. A reasonable approach on a A$100 budget is a stake of A$0.20 to A$0.50, giving several hundred spins and a fair chance of reaching the Money Cart at least once.
On the series as a whole, the fourth game is the most complex: more characters, more persistent effects and more rows to unlock. If you are new to Money Train, starting here is fine, but expect a learning curve. It also suits players who like to understand a game's mechanics before playing. The Money Cart rewards knowing what each symbol does, and the demo is the best place to learn. As in any pokie review Australia players read, the honest caveat is that knowledge makes the round more enjoyable, not more profitable.
If you prefer tumbles and multipliers to sticky symbols, try Sweet Bonanza 1000; for a cluster game with roaming collectors, our Pirots 3 review explains ELK's bird mechanic; and for a duel-themed alternative with three bonus modes, see Wanted Dead or a Wild.
Relax Gaming is less widely listed than the biggest studios. In our database, three casinos name it among their providers. Search the lobby for the title before depositing, as studio lists do not guarantee every game.
Goldex Casino
8.5/10
Up to A$57,000 + 200 FS over 4 deposits: 100% up to A$6,000 + 150 FS (GOLDEX1), 75% up to A$12,000 (GOLDEX2), 100% up to A$15,000 + 50 FS (GOLDEX3), 100% up to A$24,000 (GOLDEX4)
Checked 4 Nov 2026
Richard Casino
8.0/10
EUR 5,000 + 300 FS over 3 deposits: 100% up to EUR 1,000 + 100 FS; 100% up to EUR 1,500 + 50 FS; 75% up to EUR 2,500 + 150 FS
Checked 4 Nov 2026
GoldWin Casino
5.0/10
Zero-wager match up to 300 over 4 deposits + 250 FS (currency not stated)
Checked 4 Nov 2026
Goldex scores 8.5 and has the biggest lobby here, 9,500+ pokies, with crypto withdrawals minutes after approval. Richard scores 8.0 and lists 20 no-deposit spins on Aloha King Elvis, though its welcome is quoted in euros. Goldwin scores 5.0 because much of its data is missing in our database: its welcome is a zero-wager match whose currency is not stated, and its minimum deposit is not published, so read its terms closely before joining.
The demo is especially useful here because the bonus is so central. Play the fun version until you trigger the Money Cart a few times, and watch which symbols make a round grow. You will also get a feel for how long the base game can run between bonuses at your chosen stake, the most important number for budgeting. Free versions are offered by many casinos that carry Relax Gaming; our free pokies page explains how demos and no-deposit spins differ.
When you switch to real money, check the RTP in the info screen. If it shows 94% instead of 96.1%, you are playing the lower version, and over time that roughly adds half again to the cost of play. Our Australian online pokies guide ranks the casinos we rate most highly overall.
96.1% in its standard version. Game listings also mention a 94% version used at some casinos, so check the info screen. Buying the bonus is listed at 96.5%.
150,000x the bet, the highest in the Money Train series.
Land three or more bonus scatters in the base game. The round starts with three respins, and every new symbol resets the count to three.
It is rated very high volatility, so small budgets can run out before the bonus lands. Lower your stake or try the demo first.
