Money Cart 2 slot

What the Money Cart 2 slot is

Money Cart 2 comes from Relax Gaming, the studio behind the Money Train series. Where the Money Train games combine a line-paying base game with a respin bonus, Money Cart takes only the bonus and builds a whole game around it. The result is one of the purest examples of a hold and win slot: you spin to land bonus symbols, and when enough arrive, the respin round begins.

That design makes the maths unusual. Because the base game is only a trigger hunt, all of the game's return has to come from the bonus. With a top RTP of 98.00% and high volatility, that means a long sequence of empty spins punctuated by rounds that can return many times the stake. It is a very different experience from the steady drip of small wins on a classic five-line game, as our slot machine guides show across the range.

How the Money Cart 2 slot machine base game works

Published summaries describe the base reels as carrying only blank positions and bonus symbols, with no ordinary line wins. Each paid spin therefore has two possible outcomes: not enough bonus symbols, and the stake is lost; or enough to start the respin round. The random number generator decides which at the moment you spin.

1. Choose your stake (capped in the UK at £5 a spin for 25+ and £2 for 18–24).
2. The RNG decides where every bonus symbol lands on the 5 × 4 grid.
3. The reels animate for at least 2.5 seconds, the UK minimum.
4. If three bonus symbols land, the respin bonus starts with those symbols held in place.
5. If not, the spin ends with no return, and your net position updates on screen.

This is the extreme end of how a slot can distribute its RTP. On most games a share of the return comes from small line wins that slow down your losses. Here there is no such cushion, so a budget runs down at exactly the stake rate until a bonus lands. Our hit frequency explainer explains why a low hit rate makes sessions feel so different, even at a high RTP.

UK rules stop games celebrating a return that is equal to or less than your stake. On Money Cart 2's base game, a non-triggering spin is simply a loss.

Money Cart 2 bonus: the respin round explained

The bonus is a respin feature. Published summaries describe it starting with three respins. Every time a new symbol lands it sticks in place and the respin count resets to three; when three respins pass with nothing new landing, the round ends and all values on the grid are paid. Filling a reel can open extra space: summaries describe the grid growing as reels fill, up to seven reels, which is an example of expanding reels.

The special symbols

The persistent symbols are what make big rounds possible. A one-off collector adds up the grid once; a persistent collector does it every respin, so values compound as the grid fills. The exact list and multiplier ranges in your version are in the game rules. Our cash collect and sticky symbols pages explain the building blocks.

A worked respin round with illustrative values

This example uses round numbers to show how the pieces interact. It is not a typical result, and the values in the real game vary.

1. On a £1 stake, three money symbols land worth £2, £1 and £3. The round starts with three respins.
2. First respin: a payer lands and adds £1 to each of the three money symbols, making £3, £2 and £4.
3. Second respin: nothing lands; two respins remain.
4. Third respin: a collector lands and takes the grid total of £9 as its value.
5. Three more blank respins pass and the round ends, paying £3 + £2 + £4 + £9 = £18.

Now imagine the collector had been persistent. On each later respin it would collect the grid again, adding any new values, so the total would climb with every symbol that lands. That is the mechanism behind the very large rounds this game is known for, and the reason the volatility is high: the difference between a round with a persistent collector and one without is enormous.

Money Cart 2 RTP: what 98% means in pounds

The Money Cart 2 RTP is 98.00% at its top setting, which leaves a house margin of 2%. Lower versions exist, and casinos choose which to offer. Over a very large number of spins, £100 staked on the top version has an average cost of £2. That figure is a long-run average across all players. Because the base game returns nothing, individual sessions are especially uneven: you might lose an entire budget before triggering a bonus, or land a round worth far more than you staked.

The table below shows why checking the version matters. We don't have verified figures for the lower settings, so these rows use example percentages to show the effect.

Our pages on high-RTP slot machines, RTP variants and whether high-RTP slots are better put the 98% figure in context.

Money Cart 2 max win and UK stake limits

Published sources quote the Money Cart 2 max win in different ways, in coins in one place and as a large currency amount in another, and we could not reconcile them. Rather than print a doubtful number, we suggest reading the cap in the game's own rules, where it is stated as a multiple of stake.

The Gambling Commission's online slots stake limit guidance (opens in a new tab) explains how operators apply the caps. Our max win caps page explains why studios set a ceiling at all.

UK rules that shape this online slot

Some overseas versions of Money Cart 2 show autoplay and turbo settings. The Gambling Commission's slot design rules (opens in a new tab), in force since 31 October 2021, remove them for British players.

• No autoplay: each spin must be started manually (autoplay ban).
• At least 2.5 seconds per spin, no turbo and no slam-stop (spin speed rule).
• No celebration of a return that doesn't exceed the stake.
• Net position and time played on screen.
• Stake caps of £5 (25+) and £2 (18–24) per spin (stake limits).

The speed rule matters here. On a game where most spins return nothing, a 2.5-second floor means at most about 1,440 spins an hour; at 50p that is up to £720 of stakes per hour. Setting a time limit as well as a deposit limit keeps that in check.

Money Cart 2 demo and checking the RTP

A Money Cart 2 demo lets you watch respin rounds play out without staking money. Free demo play is available after age verification at UK casinos, as required since May 2019 (demo age verification). Demo credits have no cash value.

1. Open the game and select the information or paytable button.
2. Find the RTP statement and check whether it reads 98.00% or a lower figure.
3. Read the bonus pages to see each special symbol and its range.
4. Find the maximum win statement and multiply by your stake.
5. Decide a session budget in spins: at 20p, £20 is 100 spins.

Money Cart 2 myths versus facts

• 'Two bonus symbols mean the third is due.' Each spin is independent; two symbols don't make the next spin more likely to trigger.
• 'A 98% RTP means you will get 98% back.' It is a long-run average; with no base-game wins, most sessions land far from it. Read how much do slot machines pay out?
• 'The respin counter resetting means a big win is coming.' New symbols reset the counter, but their values are random.
• 'Long dry spells mean the game is tight.' Dry spells are built into the design. Our page on loose and tight slot machines explains the myth.

Is Money Cart 2 worth playing, and what is similar?

If you like the respin engine but want some base-game action, Money Train 2 and Money Train 3 pair it with line wins. For other hold-and-win games, see Wolf Gold. On the land-based side, nothing in Categories B to D works quite like this, but our online vs land-based page explains the main differences.

Where to play Money Cart 2 in the UK

Relax Gaming titles are carried by many UK-licensed casinos, but lobbies differ and game availability changes, so search for Money Cart 2 before you sign up. These offers are for new customers aged 18+, and terms apply. Coral: deposit and bet £10 on slots for 100 free spins at 10p each on selected games, accepted within 48 hours and valid for 7 days, with no wagering on winnings. Ladbrokes: deposit and spend £10 on slots for 50 free spins a day over the first 10 days (up to 500), 10p each on selected games, no wagering. PlayOJO: 80 free spins on Big Bass Bonanza with a first deposit of £10 or more, no wagering.

Offer spins are played on the games each casino selects, which may not include Money Cart 2. Play with money you can afford to lose and set limits first. If you want to stop gambling online altogether, GAMSTOP explains how self-exclusion works (opens in a new tab), from six months to five years.

18+. Gambling should be entertainment that costs money, not a way to make it. Decide a budget before you play: plan a slot budget. Free, confidential help: National Gambling Helpline 0808 8020 133.