Money Train Slot Versions Compared

Money Train is Relax Gaming's flagship high-volatility slot franchise. Money Train launched in August 2019 and grew into one of the most recognized slot series in the online casino industry. Relax Gaming has released 4 main Money Train slot versions that form a linear progression from the original Wild West adventure to the franchise's dystopian finale. Each sequel in the Money Train series increases the max win ceiling, expands the modifier system, and evolves the visual theme. Money Train 4 is officially the final installment in the series. This article compares all 4 Money Train versions across Return to Player (RTP), volatility, grid layout, max win, and the Money Cart Bonus modifier system that defines the franchise. Explore SlotsRank guides to get more comparisons.

How Has the Money Train Franchise Evolved?

The Money Train franchise follows a progressive escalation model in which each sequel increases the max win, feature complexity, and thematic ambition. The max win progression from 20,000x to 150,000x across 4 releases is the defining characteristic of the series. The 4 releases are listed below.

1. Money Train 1 (2019) uses a 5x4 grid with 40 paylines, a 96.20% RTP, and medium-to-high volatility. The max win is 20,000x the bet. Money Train 1 introduced the Money Cart Bonus with 4 core modifiers, including the Collector, Payer, Sniper, and Necromancer. The Wild West theme established the franchise's identity as an outlaw train heist.
2. Money Train 2 (2020) uses the same 5x4 grid with 40 paylines but raises the RTP to 96.40%, and the max win to 50,000x. Money Train 2 elevated the franchise to cult status by adding Persistent modifier versions that remain active for all respins. The steampunk post-apocalyptic theme gave the sequel a distinct visual identity.
3. Money Train 3 (2022) maintains the 5x4 grid with 40 paylines, drops the RTP to 96.10%, and doubles the max win to 100,000x. Money Train 3 introduced new modifiers, including the Shapeshifter (transforms into other modifier types) and the Tommy Gun (reveals values on all bonus symbols). The futuristic theme pushed the visual design further from the original Wild West setting.
4. Money Train 4 (2023) makes the biggest structural departure by switching to a 6x6 grid with Scatter Pays instead of fixed paylines. The RTP stays at 96.10%, and the max win reaches 150,000x, the franchise record. Money Train 4 introduced the Arms Dealer, Adjacent modifiers, the Upgrader, and an Unlocker symbol that expands the Money Cart grid from 6x4 to 6x8.

The franchise's thematic arc mirrors the escalation. Money Train evolved from a classic Wild West setting to a steampunk post-apocalypse to a futuristic rebirth to a dystopian space across its 4 installments.

Money Train 1 vs Money Train 2

Money Train 1 (MT1) and Money Train 2 (MT2) share the same 5x4 grid and 40 paylines, but Money Train 2 elevated the franchise to cult status through a higher max win and enhanced modifiers. There are 4 key differences between these 2 versions.

• Max win differs by a factor of 2.5. Money Train 1 caps at 20,000x while Money Train 2 reaches 50,000x
• RTP favors the sequel. Money Train 1 has an RTP of 96.20% while Money Train 2 has the highest RTP in the entire franchise at 96.40%. The 0.20% advantage makes Money Train 2 the better long-term value
• Volatility is medium-to-high in MT1 and high in MT2. Money Train 2 produces longer dry spells between wins but delivers larger potential payouts during the Money Cart Bonus
• Money Cart modifiers have evolved significantly. Money Train 1 introduced the 4 core modifiers (Collector, Payer, Sniper, Necromancer) that fire once per activation. Money Train 2 added Persistent versions that remain active for all respins instead of firing once, dramatically increasing the bonus round's payout potential

Money Train 1 suits players who prefer lower volatility with the core Money Cart mechanic in its simplest form. Money Train 2 suits players who want the franchise's best RTP combined with stronger Persistent modifiers and a higher max win ceiling. Money Train 2 is the recommended starting point for players new to the franchise because of its optimal balance between RTP and feature depth.

Money Train 2 vs Money Train 3

Money Train 2 and Money Train 3 (MT3) share the same 5x4 grid and 40-payline structure but differ in RTP, max win, volatility, and modifier complexity. There are 4 comparison criteria that separate these 2 versions.

1. RTP - Money Train 2 leads at 96.40% compared to MT3's 96.10%. The 0.30% RTP advantage makes MT2 the better long-term return across the franchise
2. Max win - Money Train 2 caps at 50,000x while Money Train 3 doubles the ceiling to 100,000x. The 2x increase in max win is the primary reason players choose MT3 over MT2
3. Volatility - Money Train 2 is high. Money Train 3 is very high. MT3 increases the gap between bonus triggers and produces longer losing streaks before delivering larger payouts
4. Modifiers - Money Train 2 established the Persistent modifier system. Money Train 3 added new modifier types, including the Shapeshifter that transforms into other modifier types and the Tommy Gun that reveals values on all bonus symbols simultaneously

Money Train 2 offers the franchise's best RTP and serves as a more accessible entry point for players new to high-volatility gameplay. Money Train 3 doubles the max win ceiling but reduces RTP and increases volatility, making it better suited to experienced players who accept punishing dry spells in exchange for a 100,000x win potential.

Money Train 3 vs Money Train 4

Money Train 4 (MT4) represents the biggest structural departure in the franchise by switching from a 5x4 payline grid to a 6x6 Scatter Pays grid. Money Train 3 and Money Train 4 share the same default RTP of 96.10% but differ in grid structure, max win, and modifier complexity. There are 4 key differences between these 2 versions.

• Grid structure separates these versions most fundamentally. Money Train 3 uses a 5x4 grid with 40 paylines. Money Train 4 expands to a 6x6 grid with Scatter Pays where wins are formed by landing 8 or more matching symbols anywhere on the reels. The grid change is the most significant mechanical shift in the franchise
• Max win increases from 100,000x in MT3 to 150,000x in MT4. Money Train 4 holds the franchise record. The probability of hitting the 150,000x max win is approximately 1 in 94 million spins
• RTP is identical at default (96.10%), but Money Train 4 increases to 96.50% when the Bonus Buy option is activated. This Bonus Buy RTP technically surpasses every other version in the franchise
• New modifiers in MT4 include the Arms Dealer (transforms up to 4 bonus symbols into another special type), Adjacent modifiers (apply effects to nearby symbols), and the Upgrader (transforms up to 3 symbols into Persistent versions). The Unlocker symbol expands the Money Cart grid from 6x4 to 6x8 during the bonus round

Money Train 3 delivers familiar 5x4 gameplay with a very high max win at an accessible grid format. Money Train 4 offers the franchise's highest max win and most complex modifier system, but requires adaptation to the Scatter Pays mechanic. Money Train 4 is the official final installment in the series.

Money Train 1 vs Money Train 4

Money Train 1 and Money Train 4 represent the full arc of the franchise from its 2019 debut to its 2023 finale. There are 4 comparison criteria that illustrate how far the Money Train series has evolved.

1. Grid - MT1 uses a 5x4 grid with 40 paylines. MT4 uses a 6x6 grid with Scatter Pays. The shift from paylines to Scatter Pays changes how wins are evaluated entirely
2. Max win - MT1 caps at 20,000x. MT4 reaches 150,000x. MT4's max win is 7.5 times higher than the original
3. RTP - MT1 has a marginally higher default RTP at 96.20% compared to MT4's 96.10%. MT4 surpasses MT1 when the Bonus Buy option raises the RTP to 96.50%
4. Modifier complexity - MT1 introduced 4 core modifiers (Collector, Payer, Sniper, Necromancer). MT4 features over 10 modifier types, including Persistent, Adjacent, Arms Dealer, and Upgrader variants. The modifier system defines the Money Train franchise identity and grew more complex with every installment

Money Train 1 delivers a cleaner, more accessible Money Cart experience with a slightly higher default RTP. Money Train 4 delivers the most complex and highest-ceiling experience in the franchise at the cost of a steeper learning curve. The thematic arc mirrors the escalation, progressing from classic Wild West outlaw trains to dystopian interstellar railways across 4 releases.

Money Train Slot Versions - Full Comparison Table

The table below summarizes all 4 Money Train slot versions, including their key specs, strengths, and weaknesses.

Which Money Train Slot Has the Best RTP?

Money Train 2 has the highest default Return to Player in the franchise at 96.40%. The RTP rankings of all 4 versions, from highest to lowest, are listed below.

1. Money Train 2 - 96.40%
2. Money Train 1 - 96.20%
3. Money Train 3 and Money Train 4 - 96.10%

Money Train 4 reaches 96.50% when the Bonus Buy option is activated, technically surpassing MT2 when the feature buy is used. Casino operators can select lower RTP tiers for all versions. Money Train 4 is available in 96.10%, 94%, and 90% configurations, depending on the casino. Verify the active RTP in the game's info menu before playing.

Which Money Train Slot Has the Highest Max Win?

Money Train 4 has the highest max win in the franchise at 150,000x the bet. The max win ranking shows the franchise's progression from lowest to highest.

1. Money Train 4 - 150,000x
2. Money Train 3 - 100,000x
3. Money Train 2 - 50,000x
4. Money Train 1 - 20,000x

The max win increased with every sequel, making progressive escalation the defining trait of the Money Train franchise. The probability of hitting the 150,000x max win in Money Train 4 is approximately 1 in 94 million spins. Higher max win potential benefits players who pursue extreme payouts, but comes with a corresponding reduction in the frequency of reaching that ceiling.

How to Choose the Right Money Train Slot Version

The 4 steps for choosing the right Money Train slot version are listed below.

1. Define the preferred volatility level. Select Money Train 1 for medium-to-high volatility, Money Train 2 for high volatility, or Money Train 3 and Money Train 4 for very high volatility
2. Compare the RTP values. Money Train 2 at 96.40% offers the best default return. Money Train 4 at 96.50% offers the best return when the Bonus Buy is activated
3. Decide between the traditional 5x4 payline structure (MT1, MT2, MT3) and the 6x6 Scatter Pays system (MT4)
4. Assess the preferred modifier complexity level. Money Train 1 features 4 core modifiers for a clean experience. Money Train 4 features over 10 modifier types for maximum depth