Money Train 2 is a very high volatility pokie from Relax Gaming, released in September 2020, built on a five-reel, four-row grid with 40 paylines. Set in a steampunk-western train heist, it is known for one thing above all: the Money Cart bonus, a Hold & Spin round with special symbols that can pay up to 50,000x the stake. RTP is 96.4% in normal play, rising to 98% if you buy the bonus.
The base game is deliberately thin - the whole point is to reach the Money Cart. Land three bonus scatters and the reels are replaced by an expanding cart grid where Collector, Payer, Sniper and Persistent symbols interact to build the win. Because the value sits almost entirely in that round, this is a pokie you play for the feature, not the base spins. There is a bonus buy for punters who want to go straight in. The summary below sets out the core numbers before we walk through how each part works.
| Feature | Details |
|---|---|
| Provider | Relax Gaming |
| Release date | September 2020 |
| RTP | 96.4% base - 98% with the bonus buy |
| Volatility | Very high |
| Max win | 50,000x the stake |
| Grid | 5×4 - 40 paylines (Money Cart expands the grid) |
| Min bet | AUD 0.20 |
| Max bet | AUD 20 |
| Wild | Skull - substitutes in the base game |
| Scatter | 3+ trigger the Money Cart bonus |
| Bonus | Money Cart Hold & Spin with special symbols |
| Bonus Buy | Yes - 100x the stake (raises RTP to 98%) |
| Mobile | Full support - iOS and Android (HTML5) |
How to play Money Train 2
Set your total stake with the bet controls under the reels, from AUD 0.20 up to AUD 20. All 40 paylines are fixed, so every spin covers the board. Press Spin for a single round. Wins pay left to right from reel 1, with three or more matching symbols needed, but the base game is light - the scatters are what you are chasing.
Two scatters trigger a short Respins feature in the base game, while three or more scatters open the Money Cart bonus, which is where the real money is. If you would rather not wait, the bonus buy takes you straight into the Money Cart for a set price. The skull is the wild in the base game; the bonus scatters are the symbols to watch.
Money Train 2 rules
The base-game paytable is short - a few themed high symbols over the card royals - because the design puts its weight on the bonus. Values below show the shape of the table; exact figures can vary between casino builds, so check the in-game paytable before you have a go.
Symbols and payouts
| Symbol | Tier | Role |
|---|---|---|
| Skull (wild) | Feature | Substitutes for paying symbols in the base game |
| Bonus scatter | Feature | 3+ trigger the Money Cart; 2 trigger base Respins |
| Themed high symbols | High | Top base-game payouts |
| Card royals | Low | Lower base-game payouts |
Money Train 2 bonus features
Base game Respins
Landing exactly two scatters starts a short Respins feature in the base game. The scatters reveal multiplier values and hold, and each respin that brings no new symbol raises the running multiplier by one. It is a minor feature - a small taste of the collect idea - rather than a route to a big win.
Money Cart bonus
Three or more scatters trigger the Money Cart, and the base reels are replaced by a dedicated bonus grid. Every symbol clears except the scatters, which lock and hold their values, and you get three respins. Each new symbol that lands locks too and resets the respins to three, so the round keeps going as long as symbols keep arriving. The grid can expand outward by up to two extra reels as the round builds, adding more room to fill. Filling the whole grid, or reaching the top values, is how you approach the 50,000x maximum win.
Money Cart special symbols
What makes the round is the set of special symbols, which interact with each other:
- Collector: gathers the value of every value symbol on the grid and adds it to itself.
- Payer: adds its own value to every other value symbol on the grid.
- Sniper: adds its value to a set number of random symbols.
- Collector Sniper / Payer Collector: combined symbols that do both jobs at once.
- Necromancer: revives and upgrades expired special symbols, setting off another round of collects.
- Reset Plus: resets the respins to three and adds a value.
- Persistent Payer, Persistent Sniper, Persistent Collector: stay active for the rest of the round, firing on every respin - the symbols that build the very big wins.
A strong Money Cart is about the order these land: a Persistent Payer feeding value into the grid before a Collector sweeps it, with a Necromancer bringing them back, is where the top results come from.
Bonus buy in Money Train 2
Money Train 2 has a bonus buy that pays a set price to open the Money Cart directly.
| Option | Cost | What you get |
|---|---|---|
| Money Cart bonus | 100x the stake | Direct entry to the Money Cart, starting with the triggering scatters |
Buying the bonus raises the RTP to 98%, higher than the 96.4% of normal play, because you are guaranteed the feature. It is a high-cost buy at 100x and, given the very high volatility, plenty of bought rounds return less than the price - the return is an average across many buys, not a promise on any one. The bonus buy is not available in every jurisdiction, so check that the option is present at your casino.
Money Train 2 on mobile
Money Train 2 is built in HTML5 and runs in the browser on both iOS and Android, with no separate download or native app required.
- We tested on an iPhone 14 in Safari and a Samsung S23 in Chrome, on standard Australian 4G and home broadband.
- The base grid and the expanding Money Cart both fit the portrait screen, with the values on the symbols clear as the grid grows.
- The collect interactions and the respin resets play out the same on a phone as on desktop.
- Load times were short on both devices, and the artwork stays sharp through a long Money Cart round without slowdown.
Our take
Money Train 2 suits punters who want a feature-driven pokie with one of the biggest ceilings around and can handle very high variance. Its strengths are the 50,000x max win, the deep Money Cart round where the special symbols interact, the expanding grid, and the higher 98% RTP on the bonus buy for players who go straight to the feature.
The limits are worth being clear about. The base game is thin by design, so long stretches can pass with little happening while you wait for three scatters. Very high volatility means most sessions - and most bought bonuses - come in below what you put in, with the value concentrated in rare big rounds. The 100x bonus buy is expensive, and it is not available everywhere. For punters who play for the Money Cart and understand the variance, it holds up as one of the genre's benchmarks; anyone who wants steady base-game play or a gentle session should look elsewhere.
Money Train 2 FAQ
Who makes Money Train 2?
Money Train 2 is developed by Relax Gaming and was released in September 2020. It is the sequel to the original Money Train and set a new benchmark for the studio's Money Cart bonus.
What is the RTP of Money Train 2?
The RTP is 96.4% in normal play and 98% if you buy the bonus. Some casinos may run different settings, so check the figure in the game's paytable before you play.
How do you trigger the Money Cart in Money Train 2?
Land three or more bonus scatters to open the Money Cart. Two scatters trigger a shorter base-game Respins feature instead. You can also buy the Money Cart directly.
Can you buy the bonus in Money Train 2?
Yes. The bonus buy costs 100x the stake and takes you straight into the Money Cart, raising the RTP to 98%. It is not available in every jurisdiction.
What is the maximum win in Money Train 2?
The maximum win is 50,000x your stake, reached in the Money Cart when the special symbols - especially the persistent ones - build the values up across a full grid.
Is Money Train 2 available on mobile?
Yes. The game is HTML5-based and runs in the browser on iOS and Android, with the Money Cart and its collect symbols working the same as on desktop.
Where can you play Money Train 2?
Money Train 2 is available at a range of licensed Australian-facing casinos.
Player reviews of Money Train 2
- James, Sydney (2026): "The Money Cart is the whole game. Got a Persistent Payer early, it fed the grid for six or seven respins, then a Collector swept it - around x900 the stake. That's the round you chase."
- Sarah, Melbourne (2026): "Very high volatility is no exaggeration. The base game does almost nothing, you're just fishing for three scatters. When the Money Cart finally hit, it made the whole session."
- Tom, Brisbane (2026): "Bought the bonus at 100x a fair few times. Most came in under, then one Necromancer round brought back a Persistent Sniper and it paid big. It averages out, but you cop plenty of small ones first."
- Emma, Perth (2026): "Played on my iPhone and the expanding cart is clear on the small screen. Never got near the 50,000x, but a full grid once paid a couple of hundred x. Runs smooth."
- Nick, Adelaide (2026): "The special symbols interacting is what sets it apart - order matters. A Payer before a Collector is the go. Brutal variance though, don't play it expecting steady returns."
- Chloe, Sydney (2026): "The 98% on the buy is better than the 96.4% base, but 100x a pop adds up quick. Still, no other pokie has a bonus quite like the Money Cart. Worth a look if you like the big-ceiling risk."
