The Money Train 2 slot is Relax Gaming's high-volatility 40-line game on a 5 × 4 grid, with a 96.40% RTP and a 50,000x max win. Almost all of its value sits in the Money Cart bonus, a respin round where cash symbols and special characters add, copy and collect prizes.
Relax Gaming slot: 5 reels × 4 rows, 40 paylines, 96.40% RTP, high volatility, 50,000x max win.
Three bonus symbols start the Money Cart respin round, where the respin counter resets each time a new symbol lands.
Special symbols (collectors, payers, snipers and persistent versions) change the values of other symbols.
At the £2 limit for 18–24s the cap is £100,000; at £5 it is £250,000.
No bonus buy, autoplay or turbo in the UK version.
Developer
Relax Gaming
RTP
96.40%
Volatility
High
Layout
5 reels × 4 rows
Ways to win
40 paylines
Max win
50,000x
Main feature
Money Cart respin bonus round
What the Money Train 2 slot machine is
This is the second game in Relax Gaming's Money Train series, a Wild West train-robbery theme with a steampunk finish. Relax, founded in 2010 and licensed by the Gambling Commission (account 37462), built the series into its best-known brand. This instalment follows the first Money Train and keeps its core idea: a fairly plain base game that exists mainly to deliver you to a respin bonus.
That structure puts it close to the hold and win family. Instead of free spins with multipliers, the bonus is a fixed grid where cash-value symbols stick in place and special symbols interact with them.
How the Money Train 2 base game works
The base game runs on 5 reels and 4 rows with 40 fixed paylines. Wins pay left to right from reel 1 for three or more matching symbols, with a wild substituting for regular symbols. Four rows give more line combinations than a 3-row slot, but most base-game wins are small relative to the stake.
Set your total stake; it is spread across all 40 lines.
Press spin. The RNG has already picked where each reel stops.
Line wins are paid for three or more matching symbols from the left.
Bonus symbols that land are counted; three or more start the Money Cart round.
After the 2.5-second UK minimum game cycle, you can spin again.
In practice the base game has a supporting role. Expect long stretches with nothing beyond small line wins, which is typical of a game whose return is concentrated in a feature.
Bonus round on Money Train 2: Money Cart respins
Landing three or more bonus symbols starts the Money Cart bonus round. The triggering symbols stay on the grid, the regular symbols disappear and you get a set of respins (three, in the standard form of this mechanic). Every time a new bonus symbol lands, the counter resets. The round ends when the respins run out with nothing new landing.
Each bonus symbol either carries a cash value, shown as a multiple of your stake, or is a special character that acts on the others. When the round ends, every value on the grid is added up and paid.
Money Train 2 special symbols in the Money Cart round
Symbol
What it does
When it acts
Cash symbol
Holds a value as a multiple of stake
Paid at the end of the round
Collector
Adds the values of all other symbols to its own
When it lands
Payer
Adds a value to other symbols on the grid
When it lands
Sniper
Multiplies the values of randomly chosen symbols
When it lands
Persistent versions
Repeat their action
On every following respin
The persistent symbols are what make the top end possible. A persistent payer adds value every respin; a persistent collector then gathers it; and each reset of the counter gives them another turn. The help screen lists every special symbol in your version, including any not shown here, so read it once before playing.
The values on cash symbols are random multiples of stake decided by the RNG. A round that starts with high values is not more likely to keep going than one that starts low.
A worked example of a Money Cart round
To show how the arithmetic builds, here is an illustrative round at a £1 stake. The numbers are invented for the example and are not typical or average results.
Illustrative Money Cart round at £1 stake
Respin
What lands
Grid total after
Trigger
Three cash symbols worth 2x, 5x and 1x
£8
1
Nothing
£8 (2 respins left)
2
Payer adds 1x to each of the three
£12 (counter resets to 3)
3
Collector gathers the other four values
£24 (counter resets)
4–6
Nothing new
Round ends: £24 paid
The example shows why collectors appearing late in a round matter: they count everything already on the grid, including values boosted by payers. It also shows how quickly a round can end after a burst of activity.
RTP and volatility of the Money Train 2 slot
The published Money Train 2 RTP is 96.40%, rated high volatility. Over millions of spins, about £96.40 of every £100 staked comes back as wins and £3.60 is the house edge. Relax and other studios sometimes supply popular games with several RTP settings, so the version your casino runs may differ.
High volatility here is extreme in feel: many sessions end with no bonus at all, and the bonus itself can pay a few times the stake or many thousands of times. That spread is why it appears on lists of high volatility slot machines.
Money Train 2 average cost per 200 spins at 96.40% RTP
Stake per spin
Total staked (200 spins)
Average long-run cost
10p
£20
72p
40p
£80
£2.88
£1
£200
£7.20
£2
£400
£14.40
£5
£1,000
£36
Treat these as averages over enormous numbers of spins. A 200-spin session at £1 could easily lose the full £200; that is what high volatility means in money terms.
Max win on Money Train 2 at UK stakes
The Money Train 2 max win is capped at 50,000x the stake. When the grid total reaches the cap, the round ends and the capped amount is paid.
Money Train 2 max win by stake
Stake
Context
Max win (50,000x)
10p
Lowest common stake
£5,000
£1
Mid stake
£50,000
£2
Limit for players aged 18–24
£100,000
£5
Limit for players aged 25+
£250,000
The developer doesn't publish the odds of reaching the cap, and we don't estimate them. Our guide to max win caps explains how a game ceiling and any casino payout limit work together.
Is Money Train 2 worth playing?
No slot is a way to make money, so the honest question is whether it suits how you like to play. It suits adults who enjoy a bonus round with a lot going on and accept many sessions without one. It suits people with small budgets poorly, because the gap between bonuses can be long.
Advantages
Bonus round with several interacting symbol types.
96.40% published RTP.
Clear end-of-round total that is easy to follow.
50,000x ceiling for players who want a wide range.
Drawbacks
Base game is thin and mostly small wins.
High volatility means long dry spells.
Many bonus rounds pay modestly.
Lower-RTP versions may be in use at some casinos.
Sequels in the Money Train series and similar slots
The series has grown with each sequel, mostly by raising the ceiling and adding special symbols. Our Money Train 2 vs Money Train 3 comparison covers the closest pair in detail.
Relax offers a bonus buy in some markets, but slots supplied to UK casinos don't include one, so in Britain the Money Cart can only be reached by landing bonus symbols. The Gambling Commission's online games design rules (opens in a new tab) also remove autoplay, turbo and slam-stop and set a 2.5-second minimum spin, all since 31 October 2021.
UK rules that shape Money Train 2
Rule
In force
Effect
No autoplay or turbo; 2.5-second spin
31 October 2021
Manual spins at a set minimum pace
Balance and net position on screen
31 October 2021
You can see how much you are up or down this session
A Money Train 2 demo is the easiest way to see the Money Cart round without risk to your balance, though in the UK demo play is open only after age verification. If you notice you are playing for longer or spending more than planned, the NHS gambling support page (opens in a new tab) explains where to get free help, and our help for slot players guide lists UK services.
Where to play Money Train 2 in the UK
Relax Gaming supplies many UK-licensed casinos, but lobbies change, so search for Money Train 2 at the casino before depositing.
Our partner offers apply to selected games rather than this one specifically. Coral gives new players 100 free spins at 10p each when they bet £10 on slots, valid 7 days with no wagering on winnings; Ladbrokes gives up to 500 free spins at 10p over 10 days after £10 of slots play; and PlayOJO's 80 spins are on Big Bass Bonanza. All are 18+, new customers only, and terms apply.
Coral and Ladbrokes are both run by LC International Limited (Entain). If you already hold an account with one Entain brand, you may not be able to open a new account with another; check the terms before signing up.
Significant terms: 18+. New players only. Offer runs 01/10/2026 to 01/02/2027. Deposit (certain types excluded) and bet £10+ on slot games to get 100 free spins (selected games, £0.10 each, 48 hrs to accept, valid 7 days). No wagering on free spin winnings. Deposits by Neteller, PayPal, Paysafe, Skrill, prepaid cards and certain debit cards do not qualify. Restrictions and T&Cs apply. GamCare.org.uk
Read the Coral reviewLicence: LC International Limited, UKGC account 54743. Offer checked 5 October 2026.
Significant terms: 18+. New customers only, from 14/11/25 until further notice. Certain deposit methods excluded. Deposit and spend £10+ on slots for 50 free spins a day during the first 10 days after first deposit and registration (max 500, £0.10 each, selected games, claim before 23:59 each day, valid 7 days). No wagering. Prepaid cards, PayPal, Paysafe, Neteller, Skrill and Moneybookers deposits do not qualify. Restrictions and T&Cs apply. GamCare.org.uk
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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.
Frequently asked questions
What is the RTP of Money Train 2?
The published RTP of Money Train 2 is 96.40%, meaning that over millions of spins about £96.40 of every £100 staked is paid back and £3.60 is kept. It says nothing reliable about a single session, which on a high-volatility slot can end far from that figure. Some casinos may run a lower-RTP version, so check the game rules before playing. Our page on high RTP slot machines explains how much difference a point or two of RTP makes.
How do you trigger the Money Train 2 bonus round?
Land three or more bonus symbols in one base-game spin to start the Money Cart respin round. The triggering symbols lock in place and you get a set of respins, with the counter resetting whenever another bonus symbol lands. There is no bonus buy in the UK version, so the only way in is through normal spins. Each spin has the same chance of a trigger regardless of past results. Our page on what triggers a bonus round explains how triggers are built.
What is the Money Train 2 max win?
The Money Train 2 max win is 50,000x your stake. In pounds that is £5,000 at 10p, £50,000 at £1, £100,000 at the £2 limit for players aged 18 to 24, and £250,000 at the £5 limit for those aged 25 and over. The cap is reached very rarely and the odds aren't published. Casinos may set their own maximum payouts in their terms. The max win glossary entry explains the term.
Does Money Train 2 have free spins?
Not in the usual sense. Its bonus is a respin round, the Money Cart, rather than a set of free spins with multipliers. Cash symbols and special characters lock onto the grid and the respin counter resets each time something new lands. Casinos sometimes give free spins that can be used on Money Train 2 as part of a promotion, but that depends on the offer's list of eligible games. Our explainer on respins covers how this type of bonus differs from free spins.
What do the special symbols do in Money Train 2?
They change the values of other symbols during the Money Cart round. A collector gathers the values of other symbols into itself, a payer adds value to other symbols, and a sniper multiplies randomly chosen symbols. Persistent versions repeat their action on every respin, which is where the biggest rounds come from. Your version's help screen lists every symbol it includes and its exact behaviour. For the wider family of features like this, read cash collect.
Is Money Train 2 better than Money Train 3?
Neither is better overall; they differ in ceiling and complexity. Money Train 2 has a 96.40% published RTP and a 50,000x max win, while Money Train 3 lists 96.1% and a 100,000x max win on the same 5 × 4, 40-line layout. A higher ceiling usually means the rest of the payouts are spread thinner. Pick the one whose shape you prefer and whose RTP at your casino is higher. Our full comparison is at Money Train 2 vs Money Train 3.
Can I play Money Train 2 for free in the UK?
You can play a demo, but in Great Britain free demo play is allowed only after age verification, which has been required since May 2019. Most UK casinos open the demo once your account is set up and verified. The demo uses the same maths as the real game, so it is a good way to learn how the Money Cart round works, though demo balances have no value. Read our page on free slot machines for more detail.
How long does a Money Train 2 bonus round last?
It lasts as long as new bonus symbols keep landing. You start with a small set of respins and the counter resets every time a new symbol appears, so some rounds end after three blank respins and others run for many more. It also stops if the 50,000x cap is reached. In the UK each respin still runs at a regulated pace. Our explainer on the slot game cycle covers how spin timing works.
Is Money Train 2 good for a small budget?
Usually not. Because it is high volatility and most of its return sits in the bonus, a small budget can run out before a Money Cart round appears. If you do play, use a low stake so the budget covers several hundred spins, and set a limit before you start. Lower-volatility games tend to stretch a small budget further. Our guide to the best slots for small budgets explains what to look for.
Who makes Money Train 2?
It is made by Relax Gaming, a studio founded in 2010 and now headquartered in Malta after starting in Tallinn, Estonia. Relax has made its own slots since 2018, also runs the Dream Drop jackpot network, and holds Gambling Commission account 37462 for Great Britain. The Money Train series is its best-known brand. Our Relax Gaming provider page covers the studio and its other games.
Gambling can be addictive. Free, confidential help is available 24 hours a day from the National Gambling Helpline on 0808 8020 133. Visit GamCare.org.uk and GamCare, or block yourself from all UK-licensed gambling sites with GAMSTOP.
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