Money Train 3 is a very high-volatility slot from Relax Gaming, the third entry in one of the studio’s best-known series. This page sets out the plain facts: who made it, how it plays, its RTP, and how the features work — without hype.
It is written to inform, not to promote. Nothing here recommends playing or depositing. Slots are games of chance built with a house edge, so over time they are designed to return less than is staked.
What It Is
Money Train 3 is a video slot from Relax Gaming, released in September 2022 and set in a dystopian western world. It runs on a 5-reel, 4-row grid with 40 fixed paylines and follows the same blueprint as its predecessors: a fairly bare base game leading up to a feature-rich bonus round. It’s the third game in the Money Train series (there’s also a Money Train 2 and a later Money Train 4).
How It Plays
Set your bet (roughly $0.10 to $10 per spin) and spin; regular wins pay across the 40 lines. But the base game is deliberately sparse — nearly all of the game’s potential sits inside the Money Cart bonus round.
RTP, Volatility and Max Win
The return to player (RTP) is 96.10% by default, rising to around 96.50% with the Bonus Buy. It’s worth noting this is lower than Money Train 2’s 98% — so if you’re comparing across the series, this instalment returns a little less. As always, check the RTP on the game’s information screen. Our guide to RTP explained covers how this works.
The headline feature is the volatility: Money Train 3 is very high. The base game is a grind, features can be far apart, and a bankroll can drop quickly while you wait for the Money Cart. The maximum win is capped at 100,000× your stake — double Money Train 2’s ceiling. It’s worth being clear-eyed about that number: it’s a rare theoretical maximum, not something you can expect to reach. You may see claims that “players hit the max win in the first few days” — that reflects the enormous total number of spins played across everyone worldwide, not a realistic chance for any one player.
Playing From New Zealand
You’ll find Money Train 3 at online casinos that carry Relax Gaming titles and accept New Zealanders. Rather than naming specific sites, the important thing is to check the operator itself: the legal backdrop changed in 2026, when the Online Casino Gambling Act 2026 created New Zealand’s first licensing system for online casinos, run by the Department of Internal Affairs (DIA). From 1 December 2026, only DIA-licensed operators may lawfully offer online casino games to New Zealanders. A game like Money Train 3 isn’t “licensed” in New Zealand — the casino offering it must be. Our overview of online casino licensing in New Zealand explains how that works, and you can browse more titles via our casino games section.
A Note on the Bonus Buy
Because the base game is so dry, Money Train 3 is effectively built around buying the bonus — you can pay 20×, 50×, 100× or 500× your bet to jump straight into the Money Cart. It’s important to be honest about what that means: the Bonus Buy spends money extremely quickly, is banned in some jurisdictions, and while it nudges the RTP up to about 96.50%, it does not improve your chances of a big win. On a very high-volatility game like this, buying features repeatedly can burn through a bankroll fast, which is exactly why it warrants caution.
Practical Notes (Not a Strategy)
No strategy changes a slot’s odds — every spin is independent and random, and no feature is ever “due.” Be wary of “tips” that suggest cutting your bet to chase the max win or buying the bonus to win faster; these change how fast you spend, not your odds. A few honest pointers: try the demo/free-play mode first to see how rarely the big wins land; set a firm time and money limit before you start, which matters a great deal given the very high volatility; and remember bonus funds and free-spin offers carry wagering requirements (our casino bonuses guide explains the fine print).
Staying in Control: Responsible Play in Aotearoa
A very high-volatility slot with a one-tap Bonus Buy is especially easy to chase — the next big feature always feels one purchase away, and the base game rarely satisfies. Treat any slot as paid entertainment only — never as a way to make money or recover losses. Regulated operators must provide control tools such as deposit limits, reality checks and self-exclusion. Our guide to self-exclusion tools explains how they work.
Free, confidential help is available in New Zealand at any time — you do not need to be in crisis to use it.
Factual information disclaimer
This article is provided for general information only. It describes the features and publicly reported facts of the Money Train 3 slot; it does not encourage gambling, does not recommend playing this game or depositing with any operator, and is not legal, financial or professional advice.
Gambling involves financial risk and can be harmful. RTP figures are long-run averages, not a promise of returns, and the maximum win is a rare theoretical outcome. Game details, RTP and availability can vary by casino and change over time — always check the in-game information before playing.
If gambling is affecting you or someone you know, free and confidential support is available: the Gambling Helpline Aotearoa on 0800 654 655 or at gamblinghelpline.co.nz, and the New Zealand regulator, the Department of Internal Affairs, at dia.govt.nz.
What is the RTP of Money Train 3?
It’s 96.10% by default, rising to about 96.50% with the Bonus Buy. That’s lower than Money Train 2’s 98%, so the third game returns a little less. Always check the RTP shown on the game’s information screen.
What is the maximum win?
The maximum win is capped at 100,000× your stake — double Money Train 2’s ceiling. If a round would exceed that, it ends and pays the cap. It’s a rare theoretical maximum, not a typical result.
How volatile is Money Train 3?
Very high. The base game is deliberately sparse, features can be far apart, and a bankroll can deplete quickly between bonus rounds. It’s not suited to casual, steady play.
Should I use the Bonus Buy?
That’s a personal choice, but be aware it spends money very quickly, is banned in some jurisdictions, and does not improve your odds of winning — it only lets you skip to the bonus. Given the very high volatility, it can burn through a bankroll fast.
Where can I get help if gambling becomes a problem?
Free, confidential support is available in New Zealand through the Gambling Helpline Aotearoa on 0800 654 655. Support is available at any time, and you do not need to be in crisis to reach out.
