The most ambitious Money Train yet — Relax Gaming doubles the max win ceiling to 100,000x with an expanded special symbol roster in the Money Cart bonus. Extreme volatility, premium maths, and the highest payout potential in the franchise.
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Money Train 3 earns a 9.1/10. Relax Gaming extended the Money Train franchise by doubling the max win ceiling from 50,000x to 100,000x and adding new special symbols to the Money Cart bonus. The result is the highest-potential entry in one of the most respected series in slot gaming. The core mechanics from MT2 — Collector gathering Payer values, Necromancer reviving expired symbols, Sniper upgrading positions — remain intact, but the expanded symbol interactions in MT3 create new compounding scenarios that push the bonus further than any previous version. The 96.22% RTP is strong. For players who want the absolute ceiling in Extreme volatility play, Money Train 3 is the benchmark.
Money Train 3 was released by Relax Gaming in 2022, building directly on the foundation of Money Train 2 — widely regarded as one of the greatest Extreme volatility slots ever made. The challenge for any sequel to MT2 was significant: the Money Cart bonus in MT2 had already established a nearly perfect respin mechanic. Relax Gaming's answer was to preserve what worked and push the ceiling higher, expanding the special symbol roster and doubling the maximum payout from 50,000x to 100,000x.
The base game structure is familiar — a 5-reel, 4-row slot with 40 paylines and the same Western train heist aesthetic that defines the franchise. The Money Cart bonus triggers on 3+ scatter symbols and operates on the same persistence-respin model as MT2. What changes is the symbol set inside the bonus: Money Train 3 introduces new special symbols that add additional compound mechanics on top of the Collector, Payer, Necromancer, and Sniper that MT2 players know. This expanded roster enables the interaction chains required to reach a 100,000x payout from a single bonus run.
The Money Cart bonus retains the core mechanics from MT2: 3 starting spins that reset with each new symbol, a progressive grid fill, and final payout calculated from all symbol values. Money Train 3 adds new special symbols to the roster that interact with the existing Collector/Payer system in new ways, enabling compound win scenarios that push toward the 100,000x ceiling.
The foundational mechanic from MT2 carries over intact. Collector symbols gather the total value of all Payer symbols in their row at round end. High-value Payers with multiple Collectors in the same row create compounding totals. This interaction remains the primary driver of the largest bonus payouts across the entire Money Train series.
Both returning from MT2. The Necromancer revives expired symbols back onto the grid, extending the bonus run and adding back high-value positions. The Sniper targets and upgrades low-value positions, optimising the grid configuration for Collector interactions. Together they expand the bonus duration and improve the value of the grid before final payout.
Money Train 3 introduces additional special symbol types unique to this entry. These new symbols add further compound layers on top of the existing MT2 mechanics, creating interaction chains between symbol types that allow the total payout to compound further than the MT2 symbol set permitted. The 100,000x ceiling is only reachable through these expanded interactions.
The Money Train 3 max win is 100,000x your stake — double the 50,000x ceiling of Money Train 2. On a $1 bet this is a $100,000 payout. This ceiling is achieved through the compound interaction of the expanded special symbol set in the Money Cart bonus, including the new MT3-specific symbols that enable compounding chains beyond what MT2's roster permitted.
Money Train 3 has a higher max win (100,000x vs 50,000x) and a more complex bonus symbol roster. The RTP is slightly lower at 96.22% vs 96.40%. Many players consider MT2's bonus structure slightly more elegant in its simplicity, while MT3 has higher theoretical peak potential. Both are outstanding titles — the choice depends on whether you prioritise ceiling or polish.
The Money Cart bonus triggers by landing 3, 4, or 5 scatter symbols on any spin. More scatters award additional starting spins. The bonus can also be accessed via the bonus buy feature at most casinos, typically priced at 80—100x stake. Once triggered, the bonus operates on the same persistence-respin model as MT2 with the expanded MT3 symbol set.
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