Money Train 3 Slot - Review for Canadians, Demo Play & Payout Info

Theme and Graphics

Whereas Money Train 1 was set in the wild west and Money Train 2 had more of a steampunk look to it, the latest instalment in the series has a much, much more futuristic aesthetic. Rather than being set in a ghost town, Money Train 3 appears to take place in the same kind of future as West World.

Overall, Money Train 3 does a fantastic job of reinventing the theme of the original two games without straying too far from the aesthetics that players have come to enjoy. So, if you liked Money Trains 1 and 2, you’re certainly in for a treat.  

Money Train 3 Slot RTP and Variance

The Money Train 3 RTP is 96.1%, which is slightly lower than Money Train (96.2%) and Money Train 2 (96.4%). The game has a top prize of 100,000x (double that of the two previous games), so it is understandable that it is a highly volatile slot.

Understanding the RTP and Game Variations

RTP, or Return to Player, is a key indicator of how much a slot pays out over time. With Money Train 3’s RTP sitting at 96.1%, it means that for every $100 wagered, the game is expected to return $96.10 over the long run. While this doesn’t guarantee results per session, it gives players an idea of long-term value. 

Money Train 3 also has different RTP settings depending on the casino operator, so players should always double-check the version they’re playing to ensure they’re getting the optimal rate. 
 

How to Win

There are 40 paylines in Relax Gaming’s Money Train slot. To create wins, you have to land three or more matching symbols on any of the lines, from the leftmost reel. As always, the most generous symbols in the game are the human characters – with the sheriff awarding the largest payout – 20x for a five-of-a-kind combination.

Bonuses

Unlike Money Train 2, this slot is definitely the Popular slots with bonus rounds, the respins bonus is triggered randomly – rather than requiring two scatters to land. One of the symbols that is on the reels at the time will be frozen and the rest of the reels will spin with a prize awarded for each additional symbol of that type that lands. You can also trigger 1x, 2x or 3x multipliers during this round,  if you like Canadian slot games with multipliers, don’t hesitate to give it a try.

Max-win 100,000x

Volatility High

RTP 96.10%

Money Cart Bonus

When you land three bonus symbols, you’ll trigger the Money Cart round. You’ll have encountered this in both Money Train 1 and 2, as well as other top Relax Gaming slots like Chip Spin.

You begin the round with 3 spins and, whenever a new symbol lands, the counter resets to 3. The round ends when you run out of space on the reels or the counter reaches 0. You can also get additional spaces for symbols when you fill a full reel with bonus symbols.

The symbols that can land during the bonus will either have a value of between 1x and 10x your bet, and there are several modifiers that you can trigger:

• Collector: The values of all symbols are collected and added to his total
• Sniper: Doubles the value of up to 8 symbols
• Collector-Payer: Adds the value of between 3 and 5 symbols to itself and then adds that total to all other symbols
• Necromancer: Any non-persistent symbols can be revived and used again
• Absorber: Any regular bonus symbols are removed.
• Tommy Gun Sniper: Selects one symbol and doubles its value up to 6 times
• Tommy Gun Payer: Displays a value of 5x to 100x, and adds it to a symbol up to 10 symbols

Then, you have persistent versions of the Collector, Sniper, Collector-Payer and Necromancer. These all perform the same action – but they do so on every spin.

Advanced Gameplay Strategies

To get the most out of Money Train 3, timing and bankroll management are essential. Since the game is highly volatile, you may experience long dry spells followed by massive wins.

Start by betting conservatively until you trigger bonus rounds like the Respins or Money Cart. Focus on identifying when modifiers like the Sniper or Collector are most effective—especially when combined with persistent versions.

Players should also take note of when the Shapeshifter appears, as its random effects can dramatically shift outcomes. Try playing the demo version first to experiment with bonus interactions without risking real money.

Character Skill Breakdown

Each character in Money Train 3 isn’t just a symbol—they bring special abilities to the game, especially in the bonus round. Here’s a look at their profiles:

• Collector: Accumulates the total value of other symbols once, ideal for building a large base multiplier.
• Sniper: Doubles the value of up to 8 other bonus symbols, offering huge scaling potential when activated early.
• Collector-Payer: A strategic hybrid that gathers a few symbol values and redistributes them—best when multiple symbols are present.
• Necromancer: Revives non-persistent symbols, essentially recycling their value and extending your round.
• Absorber: Removes all regular symbols, clearing the board for higher-tier symbols to land.
• Tommy Gun Sniper: Focuses on one symbol and boosts its value up to 6x—ideal when targeting high-value symbols.
• Tommy Gun Payer: Injects a value of 5x–100x into a symbol up to 10 times, creating exponential growth when combined with other modifiers.
• Shapeshifter: A wildcard that shifts into a new symbol each turn—useful for adapting to the board state and prolonging bonus play.

Money Train 3 Slot Review - Our Verdict

Money Train 3 really is a fantastic addition to the series. While the gameplay remains quite similar to the first two games, there are some fantastic little tweaks that make the game stand out from the previous iterations.

Random Respins and New Modifiers

The ability to trigger respins randomly (rather than by landing two scatters) is a big plus.  We also enjoyed the new Tommy Gun Sniper and Tommy Gun Payer symbols, as they provide you with the ability to rack up some impressive payouts. Along with the new Shapeshifter modifier, they mix things up a little bit so that the Hold & Spin bonus doesn't get too stale after three Money Train slot releases.

Money Train 3 gives us up that slot sequels can continue to be fun and exciting, rather than boring games that repeat the same gameplay over and over. We're super excited for future Money Train releases, and can see this series going on for quite some time.

Disclaimer: Money Train 3 trademark / license is owned by Relax Gaming. This site is not endorsed by Relax Gaming.