If you're trying to work out whether Money Train 3 is worth your time, this hands-on review breaks it down. Relax Gaming are the developer behind it, tuning the release for very high volatility, with an RTP of 95.08%. Originally released in 2022, it has aged well. Visually it's given an engaging visual treatment, with the action running on 40 paylines across 5 reels. The maximum win sits at 1,000,000x, so there's serious upside on the table. But is it actually worth playing? Read on.
Written by Emma Roberts · Last updated: March 2026
This release, Money Train 3, is the work of Relax Gaming, given an engaging visual treatment. It runs on 40 paylines across 5 reels with a very high-variance maths model, and 95.08% RTP.
Dig into the bonuses and Money Train 3 starts to stand out. Look out for scatter symbols that unlock free spins and extra bonus rounds. The very high volatility means patience is rewarded — expect quiet spells broken by bigger hits. All told, it's a solid entry in the Relax Gaming catalogue.
At 95.08%, the RTP is slightly below the industry average of ~96%. While this is typical for many popular slots, players should be aware of the slightly lower theoretical return.
Very high volatility delivers the most extreme payout profile — long dry spells punctuated by potentially massive wins. Only recommended for experienced players with substantial bankrolls and high risk tolerance.
About 1 in 3 spins results in a win. This is a moderate hit frequency that balances win frequency with payout size.
Money Train 3 features scatter symbols that can trigger free spins rounds. Landing the required number of scatter symbols anywhere on the reels activates the free spins feature, giving you extra chances to win without additional bets. During free spins, special modifiers may apply to boost your winning potential.
3.0 / 5 — Good
Money Train 3 by Relax Gaming is a solid offering that delivers good entertainment value. The 95.08% RTP combined with very high volatility creates a well-balanced gaming experience.