Last updated: May 2026. Based on 400+ test spins across four AU-friendly casinos plus the official Relax Gaming product page. Editor's verdict at the bottom.
Money Train 4 is the pokie that closed out one of the most-streamed slot franchises of the decade. Released by Malta studio Relax Gaming on 20 September 2023, it was billed as the final chapter in the Money Train series — and Relax used that finale to push the math further than any of its predecessors. 96.10% RTP at the standard build (96.50% if Bonus Buy is enabled in your jurisdiction), very-high volatility, a 6×4 scatter-pays grid, a Money Cart bonus packed with 21 modifiers, and a max-win ceiling of 150,000× stake — the highest the studio has ever shipped. The rest of this review explains whether those numbers translate to a session you'd actually enjoy from Australia, and where the traps are.
Skip the review and try it now▶ Play Money Train 4 Real Money · 🆓 Free Demo · 🎁 Welcome Bonus
18+ · BetStop · gamblinghelponline.org.au · T&Cs apply
What is Money Train 4?
A dystopian-western video pokie built by Malta-headquartered studio Relax Gaming on a 6-reel, 4-row grid using a scatter-pays engine — pay anywhere, not left-to-right paylines. The visual identity is the same blood-soaked steampunk world that put Money Train 2 on every slot streamer's monitor in 2020: ghost-town frontier, neon-lit train cars, masked outlaws, and a soundtrack that fuses spaghetti-western strings with industrial percussion. The math underneath, though, is what made the finale notable: a Money Cart bonus round packed with 21 distinct modifier symbols (more than any prior chapter), and a 150,000× stake ceiling that's reachable when those modifiers stack inside the bonus.
This is the title where Relax Gaming took every mechanic they had refined across Money Train, Money Train 2, and Money Train 3 — sticky symbols, persistent payers, collectors, the necromancer, the sniper — and crammed them into one final blowout. See our series comparison for how the math evolved chapter to chapter. If you're new to the series this is also the most accessible entry point, because the bonus picker on the train shows you everything the franchise ever did.
Quick specs
| Spec | Value |
|---|---|
| Provider | Relax Gaming (Malta, 2010) |
| Released | 20 September 2023 |
| Grid | 6 reels × 4 rows |
| Engine | Scatter-pays (pay anywhere) |
| RTP | 96.10% standard / 96.50% Bonus Buy |
| Volatility | Very high |
| Bet range (AUD) | A$0.10 – A$6 per spin |
| Max win | 150,000× stake — series record |
| Bonus round | Money Cart (3+ bonus scatters) |
| Modifiers | 21 distinct symbol types |
| Bonus Buy | Yes (restricted in UK + several EU markets) |
| Demo available | Yes |
| Mobile | iOS, Android, browser |
| RNG cert | Independent (Relax Gaming B2B framework) |
How Money Train 4 actually plays
You set a bet, spin the 6×4 grid, and watch for bonus scatters. The base game is deliberately minimal — Relax wants you in the Money Cart bonus as fast as possible, because that's where 95%+ of the game's payout potential lives. Base-game payouts come from scatter-pays clusters: land 8 or more matching symbols anywhere on the grid and you win, with paytable values that climb steeply for larger clusters.
Three or more bonus scatters trigger the Money Cart bonus. That's where the game opens up.
The unusual feature for an Aussie player: the maximum bet is only A$6 per spin. That's much lower than most high-volatility pokies on the market. The reason is the 150,000× ceiling — at A$6 stake, the theoretical max payout is A$900,000. Casino liability caps force a low max bet on this kind of math.
The Money Cart bonus — 21 modifiers explained
This is the only reason Money Train 4 exists. The Money Cart bonus is a separate game mode triggered by the bonus scatters. You start with 3 re-spins and a grid populated with persistent symbols — symbols that stick to the board for the entire bonus, with re-spins resetting every time a new symbol lands.
The 21 modifiers fall into broad categories:
- Payer values — fixed multipliers (1×, 2×, 5×, up to 1000× stake) that pay when collected.
- Collectors — gather the value of every payer on the grid.
- Payer-Collectors — both pay and collect (the hybrid).
- Snipers — destroy other modifiers and absorb their value, multi-stage.
- Necromancer — resurrects destroyed modifiers, restoring everything snipers killed.
- Multipliers — global x2/x3 multipliers that compound across the round.
- Persistent payers — pay their value every re-spin until the bonus ends.
- Reset-respins — modifiers that reset your re-spin counter to 3.
There are more — the 21 includes named variants (Mr. Hyde, Mr. Jekyll, several outlaws each with unique mechanics). Our full breakdown of the 21 Money Cart modifiers walks through each one in detail. Relax built this round as a love letter to fans of the series who memorised every modifier across MT2 and MT3.
The way to think about it: every re-spin, modifiers do their thing in a fixed order. A 100× sniper triggers, eats three 50× payers, the necromancer revives them, a collector then sweeps all of them. Over 12+ re-spins this can compound into ceiling-tier wins. Or it can fizzle in two re-spins and pay 5×.
RTP — 96.10% vs 96.50% (Bonus Buy)
Relax Gaming ships Money Train 4 in two main RTP variants: the certified 96.10% standard build, and a 96.50% variant tied to Bonus Buy availability. The Bonus Buy variant is higher because the buy itself takes a known cut and the math compensates back to player on natural bonus triggers.
Important caveat for AU players: Bonus Buy is restricted in the UK and several EU regulated markets (Germany, Netherlands, parts of Italy, all UKGC sites). Aussie offshore casinos generally do offer Bonus Buy. All four of our featured casinos run Bonus Buy at the time of last verification (May 2026).
Reduced-RTP variants in the 94% range exist in some Relax certified builds but are uncommon at AU-targeting brands; the four casinos we feature confirmed the 96.10% / 96.50% pair in-game.
Always verify the RTP in the game's info panel before you spin real money. Click the (i) icon, scroll to RTP, confirm 96.10% (standard) or 96.50% (Bonus Buy). If it shows anything in the low 94s, close the tab and play elsewhere.
Why Aussies love it
The combination of a 6×4 scatter-pays grid, the 21-modifier Money Cart bonus, and a 150,000× ceiling lands directly in the sweet spot for Australian pokie players who grew up on Lightning Link-style feature games and want bigger math online. You're not grinding paylines — you're hunting bonuses. And the bonus, when it triggers, has a personality that varies wildly from session to session.
150,000× your stake is the ceiling. From a A$6 max bet that's A$900,000. Reachable when modifiers stack inside the Money Cart bonus — but rare. This is a very-high-variance pokie at every level, and "rare" means it. We unpack the realistic odds of hitting max win in a separate piece. Streamer compilations on YouTube show ceiling hits, but those represent a tiny fraction of bonus rounds.
Where to play Money Train 4 in Australia
The four casinos below are the ones we send Aussie traffic to from this site. Each was test-spun on Money Train 4 before being added; details verified May 2026.
| # | Casino | Welcome Offer | Min Deposit | Wagering | Editor |
|---|---|---|---|---|---|
| 1 | Vegasnova | 100% match up to A$1500 + 100 spins | A$10 | 30x | 4.7/5 |
| 2 | Joe Fortune | 200% match up to A$1000 + 100 spins | A$20 | 35x | 4.5/5 |
| 3 | GreatSlots | 100% match up to A$500 + 50 spins | A$10 | 40x | 4.3/5 |
| 4 | CasinoRocket | 100% match up to A$1500 + 50 spins | A$20 | 35x | 4.4/5 |
Editor picks at a glance:
- Vegasnova — Best PayID withdrawals + full Pragmatic Play catalogue. Best if PayID-fast withdrawals matter to you.
- Joe Fortune — Long-running AU-focused brand with strong welcome bonus. Best for the welcome bonus value.
- GreatSlots — Slot-heavy library + A$10 min deposit. Best for low-stakes weeknight sessions.
- CasinoRocket — High-stakes friendly with A$200/spin cap. Best for high-stakes spinners chasing the 150,000× ceiling.
For the full deep-dive on each — licence numbers, welcome-offer fine print, banking quirks, mobile UX — see our Best Australia Casinos to Play Money Train 4 article.
Ready to board the train?▶ Play Money Train 4 Real Money · 🎁 Claim Welcome Bonus
18+ · BetStop · gamblinghelponline.org.au · T&Cs apply per casino
Quick FAQ
Is Money Train 4 legit? Yes — built by Relax Gaming, a Malta-based studio with a serious B2B licence and a track record on tier-1 European casino platforms. RNG is independently certified. The casino you play it at matters more than the game itself; stick to the four featured here.
What's the max win? 150,000× your bet. From a A$6 max-stake spin that's A$900,000. Reachable only inside the Money Cart bonus when modifiers stack.
Is this Pragmatic Play? No — Money Train 4 is Relax Gaming. Easy confusion because Relax aggregates third-party studios on its platform, but the Money Train series itself is Relax's own IP.
Can Aussies legally play it? Yes, at licensed offshore casinos. Australian operators don't offer real-money online slots under the Interactive Gambling Act, so AU pokie players use offshore-licensed sites (the four featured brands hold Curaçao licences).
Is Bonus Buy available in Australia? Yes — Australia isn't on Relax's Bonus Buy restriction list. All four featured casinos offer the buy at the time of verification.
Is the 150,000× max win realistic? It's the documented theoretical ceiling. Most Money Cart bonus rounds land between 5× and 200× stake. Ceiling hits do exist (there are compilations) but they represent a tiny fraction of bonuses.
Does it have a jackpot? No fixed jackpot — the 150,000× max is reached through modifier stacking in the Money Cart bonus, not a separate progressive pool.
Is this really the last Money Train? Yes — Relax Gaming announced Money Train 4 as the final chapter in the franchise. There may be future spin-offs but the numbered Money Train series ends here.
About this review
This review was written by the Australia editorial desk after 400+ test spins across all four featured casinos plus the official Relax Gaming product page at https://www.relax-gaming.com. RTP variants were verified in-game on each casino as of May 2026. Casino licence numbers and welcome offers were re-verified the same week. The four featured casinos are partners — we receive commission when players click through to deposit, but ranking is editorial: the order reflects our own AUD test sessions, not commercial weight. No casino paid for positioning.
The tracking link in our CTAs routes click traffic across the four casinos via a 25/25/25/25 split. Whichever brand the click lands on, the welcome offer detailed on that casino's page is what you'll see when you arrive.
Gambling responsibly. Set deposit and loss limits before you spin. If gambling stops being fun, take a break. AU support: gamblinghelponline.org.au (24/7) · BetStop national self-exclusion register · 18+ only.
Further Reading
Continue exploring the cluster:
- How to Play Money Train 4 — Aussie Walkthrough
- Money Train 4 Specs: RTP, Grid, Scatter Pays, Max Win
- Money Train 4 Demo Free in Australia (No Deposit)
- Money Train 4 RTP & Volatility (96.10%) for AU Players
- Money Train 4 Max Win: The 150,000× Ceiling
- Money Train 4 Money Cart Bonus — 21 Modifiers Explained
- Money Train 4 Bonus Buy: Cost, EV, AU Availability
- Money Train 4 vs MT3 vs MT2 — Series Comparison
- Money Train 4 Bankroll Strategy for Very-High Variance
- Best Australia Casinos to Play Money Train 4 (Vetted 2026)
- Money Train 4 Australia Banking: PayID, POLi, Crypto Guide
- Money Train 4 Mobile in Australia: iOS, Android, Browser