Money Train 2
Money Train 2 is the Relax Gaming sequel that turned a simple hold-and-spin idea into one of the most talked-about bonus rounds in online pokies. The base game is a familiar 5×4 Wild West reel set with 40 fixed lines, but the real reason players load it is the Money Cart Bonus Round, where a gang of special characters collect, pay out and double cash values on a growing grid. The headline number is a maximum win of 50,000x the stake, a big step up from the original game.
This review explains how the reels and the bonus round actually work, what each special symbol does, which RTP settings you may run into and how to approach the game with a sensible budget. Figures are taken from Relax Gaming’s official game information and cross-checked with independent game databases; where the sources differ, that is noted.
Where to Play Money Train 2
Money Train 2 is offered at casinos that carry the Relax Gaming portfolio. The sites below are reviewed on BetsAuthority, accept Australian players and list Relax Gaming among their providers. Before depositing, open the game’s info screen at the casino to see which RTP version is installed.
Quick Facts About Money Train 2
| Parameter | Details |
|---|---|
| Slot | Money Train 2 |
| Provider | Relax Gaming |
| Release | September 2020 |
| Layout | 5 reels / 4 rows |
| Paylines | 40 fixed lines |
| RTP | 96.40% (lower versions exist, e.g. 90%) |
| Volatility | High |
| Bet range | 0.10 to 20 per spin (casino limits may differ) |
| Maximum win | 50,000x the stake |
| Main feature | Money Cart Bonus Round (3+ scatters) |
| Extras | Wild symbol, base game respins, Bonus Buy where allowed |
How Money Train 2 Works
The reels are a standard 5×4 grid with 40 paylines that pay left to right from the first reel. Low-value symbols are the four card suits, while the premium set uses the characters you later meet in the bonus round. The wild, a skull with exhaust pipes, substitutes for every regular pay symbol and pays the same as the top premium symbol, 20x the stake for five on a line.
Regular line wins are modest compared with the feature, which is typical for this kind of design. The base game is mostly there to deliver scatters, and Relax Gaming added extra base game mechanics to Money Train 2 so that spins between bonuses are not completely flat, including a respin feature that can give a dead spin a second chance at a win. Even so, players should expect long runs where the balance slowly drifts down while waiting for the bonus.
The Money Cart Bonus Round
Landing 3 or more bonus scatters on the same spin starts the Money Cart Bonus Round. The triggering symbols stay in place, the rest of the grid is cleared and you receive 3 spins. On each spin, new bonus symbols or special characters can land in the empty positions. Every time at least one new symbol lands it sticks, and the spin counter resets to 3. The round ends when the counter runs out or the grid is full.
Plain bonus symbols carry cash values that are shown as multiples of the stake. A rarer golden variant carries much larger values. When a whole reel fills with symbols, the grid grows and another column is added, giving the special characters more symbols to work with. At the end, the values of everything on the grid are added together and paid as one win.
Special Symbols in the Bonus
- Collector adds up the values of all other symbols on the grid and adds the total to its own value.
- Payer adds its own value to every other symbol on the grid.
- Collector-Payer first collects the values on screen, then pays the new total out to every other symbol.
- Sniper doubles the value of several random symbols, and can hit the same symbol more than once.
- Necromancer revives special symbols that have already fired, so a Collector or Payer can act again.
- Reset Plus raises the number of spins the counter resets to, from 3 to 4 and higher.
- Persistent versions of the Payer, Collector and Sniper activate on every remaining spin instead of only once.
Persistent symbols are the key to the large wins. A Persistent Payer that lands early adds value to every new symbol on every following spin, while a Persistent Collector keeps absorbing those growing values. When several persistent characters land in the same round, totals can climb quickly; when none appear, the round often ends with a return well below 100x the stake.
Bonus Buy
Where the feature is permitted, the Money Cart Bonus Round can be bought for 100x the stake, so A$100 at a A$1 bet. Independent reviews report that the bought bonus carries a higher theoretical return, around 98%, than standard spins. That does not make it a shortcut to profit: the bonus outcome range is very wide, and a single buy can easily return a fraction of its cost. Bonus buys are not available at every casino or in every country.
RTP Versions: Check Before You Play
Relax Gaming lists 96.40% as the standard RTP for Money Train 2 and also publishes a 90% version for the German market. Casinos may run other lower settings as well. The graphics and features are identical across versions, so the only reliable way to know what you are playing is to open the game rules or information screen inside the casino lobby and read the RTP line. Over thousands of spins, a few percentage points make a noticeable difference to how long a budget lasts.
Worked Example: A Bonus Round
Say you trigger the bonus at A$1 with three bonus symbols worth 2x, 5x and 1x. On the next spins a Payer worth 3x lands, adding 3x to each of the three symbols, so they become 5x, 8x and 4x. Later a Collector lands with a value of 2x; it adds the 17x on screen to its own value and becomes 19x. If nothing else lands and the counter runs out, the round pays 5 + 8 + 4 + 19 = 36x, or A$36.
Now imagine the Payer had been persistent. It would have added 3x to every symbol on every remaining spin, including those that landed after it, and the Collector would have collected those boosted values. This is why persistent symbols and the Necromancer matter so much more than the base cash values.
Bankroll Tips for Money Train 2
- Budget for at least 250 to 300 spins at your chosen stake, because long gaps between bonus rounds are normal.
- Treat the bonus buy as the most expensive way to play. Ten buys at A$1 cost A$1,000.
- Expect many bonus rounds to pay less than 100x. The average is supported by rare large rounds.
- Set a loss limit and a session time limit before you start, and use your casino’s deposit limit tools.
- Do not chase losses with bigger stakes. Every spin is independent and decided by a certified random number generator.
Pros and Cons of Money Train 2
| Pros | Cons |
|---|---|
| Money Cart bonus with many interacting special symbols | Base game wins are small |
| 50,000x maximum win | High volatility means long dry spells |
| Persistent symbols make each bonus play out differently | Lower RTP versions are in circulation |
| Bonus Buy option where permitted | Bonus buy at 100x is costly and not available everywhere |
| Clear rules once the characters are learned | Bonus outcomes vary enormously |
Money Train 2 and the Rest of the Series
Money Train 2 sits between the original Money Train and the later sequels. Money Train 3 raised the maximum win to 100,000x and added new characters such as the Shapeshifter and Absorber, and Money Train 4 moved to a 6×6 pay-anywhere grid with a 150,000x ceiling. Money Train 2 remains the simplest of the three bonus rounds to follow, which makes it a reasonable entry point if you are new to the series.
Demo Play vs Real Money
Relax Gaming offers a free-play version of Money Train 2 through its demo launcher and partner casinos, although availability depends on your location. Demo credits use the same maths as the real game, so a demo session is a useful way to see how rarely the bonus lands and how widely bonus results vary before any money is involved. If the swings feel uncomfortable with play credits, they will feel worse with real money.
For real money play, choose a licensed casino with clear RTP information, fast verified withdrawals and responsible gambling tools. You can compare operators in our casino reviews.
Frequently Asked Questions
Relax Gaming lists a top RTP of 96.40% for the standard game, and reviews report a higher return of around 98% when the bonus round is bought. Lower configurations exist, including a 90% version for Germany, so check the game info at your casino.
The maximum win is 50,000x the stake. Wins of that size can only realistically come from the Money Cart Bonus Round, where special symbols combine their values.
Land 3 or more bonus scatters on the same spin. The round starts with 3 spins, and the spin counter resets every time a new symbol lands.
Yes. It is widely rated as high to very high volatility, because most of the value sits in the bonus round and many base game spins return little or nothing.
In jurisdictions that allow it, the Money Cart Bonus Round can be bought for 100x the stake. Bonus buys are not offered everywhere, and the price should be weighed against your whole bankroll.
The Necromancer brings already-used special symbols such as the Collector, Payer or Sniper back to life so they activate again, which is one of the main ways the bonus total escalates.
Responsible Gaming Note
Money Train 2 is a game of chance designed for entertainment, not a way to earn income. Only play if you are 18 or older, decide on a budget before you start and stop when you reach it. If gambling is no longer fun or you feel you are losing control, free and confidential support is available 24/7 from Gambling Help Online on 1800 858 858.
Final Verdict
Money Train 2 earns its reputation with a bonus round that is easy to understand but full of possible combinations, and a 50,000x ceiling that few games of its era matched. The trade-off is a quiet base game and high volatility, with most of the return concentrated in rare big bonuses. Confirm the RTP at your casino, keep stakes small relative to your budget and treat the bonus buy with caution.
