Money Cart 3 Slot Review
Money Cart 3 from Relax Gaming is a bonus-focused masterclass in high-volatility slot design. Released in April 2023, this game strips away traditional base game mechanics to deliver what the community consistently calls the “ultimate bonus experience” for UK players and experienced gamblers seeking constant access to sophisticated re-spin features. With a 96% RTP and extremely frequent bonus triggers, Money Cart 3 has carved out a distinct niche as the pragmatic alternative to Money Train 3 in regulated markets.
Rather than chasing Megaways trends, Relax Gaming doubled down on bonus-focused design—a deliberate strategic choice that delivers concentrated value for specific player segments. This isn’t a limitation; it’s a well-executed solution to a genuine market problem faced by UK players navigating bonus buy prohibitions.
Base Game & Features
Money Cart 3 operates on a distinctive 5×4 grid that expands up to 7 reels during bonus rounds. Here’s what sets it apart: there is essentially no traditional base game. The base game contains no winning combinations—you’ll land only blank symbols or bonus/special symbols. This isn’t a design oversight; professional reviewers and experienced players acknowledge that cutting the base game is entirely appropriate for this franchise. The simplification feels intentional rather than lacking, keeping all excitement laser-focused on the Hold & Win feature where payouts actually occur.
The betting range spans from 0.10 to 100 per spin, accommodating both cautious players and high-rollers seeking maximum exposure. With a very high volatility rating of 5 out of 5 and a hit frequency of just 9.95%, this game demands experienced players with solid bankrolls. Wins are genuinely infrequent, but when they land, they pack considerable punch.
Bonus Features & Hold & Win Mechanics
The Hold & Win re-spin feature is where Money Cart 3 truly shines. Trigger it by landing 3 or more bonus symbols on the 5×4 grid, and the round initiates with 3 initial re-spins. Here’s the elegance: every new locked symbol resets the counter back to 3 re-spins, and when you achieve complete reel coverage, the grid expands dynamically up to 7 reels. The Hold & Win mechanics are sophisticated and well-designed, avoiding the generic re-spin experience that plagues lesser titles. Players consistently describe the feature as infectious and entertaining, keeping engagement high throughout extended bonus rounds.
What genuinely elevates Money Cart 3 is the array of special modifier symbols. Each brings distinct strategic functions:
- Collector – Gathers all visible symbol values on the reel and adds them to its own value
- Sniper – Doubles the values of 3 to 8 other symbols, potentially targeting the same symbol multiple times
- Necromancer – Brings 2 to 7 already-used non-persistent symbols back to life on the reels
- Shapeshifter – Transforms into a different special symbol after every spin
- Absorber – Absorbs all normal symbols and removes them from the reels whilst leaving special symbols intact
- Collector/Payer – Selects 3 to 5 symbols as targets, adds their values to its own, then pays out the updated value to each target
- Tommy Gun Sniper – Targets one randomly picked symbol and doubles its value from 2 to 6 times
- Tommy Gun Payer – Reveals a coin value from 5 to 100 and targets one symbol, adding the revealed value 3 to 10 times
Multiple special symbols with distinct functions create genuinely varied winning combinations. This isn’t formulaic design—it’s strategic depth that rewards understanding how each modifier interacts with others. The dynamic reel expansion adds genuine excitement and visual impact during bonus rounds, providing strong feedback as your winning potential expands visually across the screen.
Volatility & Win Potential
The maximum win potential reaches 10,000x your stake, with a win cap of 100,000 coins. At the maximum bet of 100, this translates to a potential 1,000,000 coin payout (before cap), positioning Money Cart 3 amongst Relax Gaming’s highest-paying releases with genuinely astronomical win potential. A documented big win—4,000 EUR from a 0.40 EUR bet—adds real credibility to these theoretical maximums and demonstrates the game genuinely hits its promised peaks.
Community opinion on maximum win is balanced and realistic. Whilst 10,000x is acknowledged as excellent and significantly higher than Money Cart 2 (5,000x), players consistently note it’s one-tenth of Money Train 3’s 100,000x potential. This isn’t a weakness—it’s an intentional trade-off. Money Cart 3 compensates with dramatically increased bonus frequency, meaning you’ll access big-win opportunities far more regularly than Money Train 3’s more sporadic triggers.
The 96% RTP sits just below Money Cart 2’s 98%, though it remains solid. With extreme volatility (5 out of 5) and just 9.95% hit frequency, this game is explicitly for experienced players with adequate bankrolls. Casual players or those with limited bankroll flexibility should approach with considerable caution.
Game Details
Provider: Relax Gaming
Release Date: April 12, 2023
Theme: Post-apocalyptic Western
Game Type: Video Slot (Bonus-Focused)
Grid Layout: 5×4 (expands to 7×4)
Bet Range: 0.10 to 100
Visual Design & Theme Execution
Money Cart 3 blends post-apocalyptic and steampunk aesthetics with Wild West vibes, backed by a matching soundtrack that reinforces the theme throughout gameplay. The game executes this visual identity with genuine cohesion—every design element pulls in the same direction. The dynamic reel expansion during bonus rounds isn’t just mechanically satisfying; it provides strong visual feedback that amplifies the sense of progression and mounting excitement as your potential winnings grow.
Quick Verdict
- Overall Verdict: 4.5/5
- Money Cart 3 is a pragmatic and well-executed solution to a genuine market problem. For UK players navigating bonus buy prohibitions, this game offers constant access to sophisticated Hold & Win mechanics with frequent bonus triggers that Money Train 3 simply cannot match. The dynamic reel expansion, diverse modifier symbols, and documented 10,000x max win combine to create an exciting bonus-focused experience. However, this game demands experienced players with solid bankrolls—the 5/5 volatility and 9.95% hit frequency aren’t for everyone. The base-game elimination is a deliberate design choice that works well for this franchise. If you’re an experienced player in a regulated market seeking bonus-only gameplay with fast-paced action and sophisticated feature mechanics, Money Cart 3 will serve you exceptionally well.
Frequently Asked Questions
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What is the RTP of Money Cart 3?
Money Cart 3 has an RTP of 96%, which represents a solid return rate for modern online slots. Some casino versions offer an alternative RTP of 94%. This means that theoretically, for every 100 currency units wagered, the game returns 96 (or 94 in alternative versions) to players over time across large sample sizes. -
How volatile is Money Cart 3?
Money Cart 3 has a very high volatility rating of 5 out of 5 from Relax Gaming, with a hit rate of just 9.95%. This means wins are infrequent but substantial when they do occur. This extreme volatility makes it suitable exclusively for experienced players with adequate bankrolls who can manage extended dry spells. -
What is the maximum win in Money Cart 3?
The maximum win in Money Cart 3 is 10,000x your stake, with a win cap of 100,000 coins. At the maximum bet of 100, this translates to a potential win of 1,000,000 coins (before cap). A documented big win event demonstrated this potential is genuine: a player from a 0.40 EUR bet won 4,000 EUR by catching the most lucrative symbol combination in the bonus game. -
How do you trigger the bonus in Money Cart 3?
To trigger the Hold & Win bonus feature in Money Cart 3, you need to land at least 3 bonus symbols on the 5-reel, 4-row grid. Once triggered, the round starts with 3 re-spins, and any new locked symbol resets the re-spin counter back to 3. Complete reel coverage unlocks additional reels up to 7 total, expanding your winning potential. -
What special symbols are in Money Cart 3?
Money Cart 3 features special modifier symbols including the Collector (gathers all symbol values), Sniper (doubles values of 3-8 symbols), Necromancer (revives 2-7 special symbols), Shapeshifter (transforms into any feature symbol), Absorber (removes all multipliers), and Tommy Gun variants (targets specific symbols with distinct effects). These special symbols significantly enhance winning potential during the bonus round, creating sophisticated and varied combinations. -
When was Money Cart 3 released?
Money Cart 3 was released on 12 April 2023 by Relax Gaming. It is part of the popular Money Cart franchise as a focused bonus-round spin-off, created as an alternative to Money Train games for certain regulated markets where bonus buy features are restricted by regulators. -
What is the bet range for Money Cart 3?
Money Cart 3 accepts bets ranging from 0.10 (10 pence/cents) to 100 currency units per spin. This wide betting range accommodates both casual players with smaller budgets and high-rollers seeking maximum exposure and potential 1,000,000 coin payouts at maximum bet levels. -
Does Money Cart 3 have a base game or is it all bonus features?
Money Cart 3 is predominantly bonus-focused with essentially no base game payouts. The base game contains no winning combinations—players land only blank symbols or bonus/special symbols. The goal is to accumulate 3+ bonus symbols to trigger the Hold & Win feature where actual payouts occur. This design keeps all excitement focused on the bonus round.
