Money Train 3 for NZ players

What makes Money Train 3 different

Money Train 3 is the third entry in Relax Gaming’s most acclaimed series. The Money Cart Bonus is the centrepiece: a 4-reel Hold & Win feature where special operator symbols persist, interact with each other, and stack multipliers over multiple re-spins. New operators unique to Money Train 3 distinguish it from the first two games.

Money Cart Bonus

The bonus is triggered by landing 3+ scatter symbols. Inside the Money Cart:

• You receive 3 initial re-spins
• Each new operator symbol landing resets re-spins to 3
• The round ends when re-spins run out or all positions fill

Operators

Operators are the special symbols that define the Money Train series:

• Payer: fixed cash value, stays where it lands
• Collector: collects total cash from all Payer symbols on board, multiplied by its own multiplier
• Necromancer: resurrects previously collected operators, doubling their values
• Sniper: targets and upgrades a specific operator’s value
• Persistent operators (MT3 exclusive): remain active across re-spin cycles, continuing to interact with new arrivals

The Persistent mechanic is Money Train 3’s primary upgrade over MT2 — operators that persist can compound their effects over many re-spins, driving the 100,000x ceiling.

RTP and volatility

Published RTP: 96.0%. Extreme volatility. Max bet is capped at NZ$20, which limits absolute loss potential while preserving proportional win ratios.

What it costs per hour

Q: How does Money Train 3 compare to Money Train 2?

A: Money Train 2 introduced the Collector operator and is widely considered one of the best bonus buy slots ever made (max win: 50,000x, RTP: 96.4%). Money Train 3 adds Persistent operators and raises the ceiling to 100,000x but lowers RTP slightly to 96.0%. MT2 is more generous on average; MT3 concentrates more value in its peak bonus outcomes.

Q: Is there a Money Train 4?

A: As of 2026, Money Train 3 is the latest entry in the series.

Playing Money Train 3 at NZ casinos

Available at Relax Gaming-carrying NZ casinos. The NZ$20 max bet cap is unusual — suited to lower-stakes players. At NZ$0.10 per spin, the absolute session loss is very limited even at extreme volatility.

For all NZ casinos sorted by score, see the compare page. Visit our responsible gambling page or contact the Problem Gambling Foundation NZ at 0800 664 262.