Quick verdict: Money Train 2 is Relax Gaming's follow-up to the 2019 original that kicked off one of the industry's most decorated slot franchises, and it remains one of the studio's most-played titles years after launch. It keeps the steampunk Wild West heist setting and the signature Money Cart Bonus, but adds a persistent Necromancer character and an expanding-reel mechanic that gives the bonus round more room to build. At up to 96.40% RTP, high volatility, and a 50,000x max win, it's a slot built for players who already like the Money Train format and want a slightly leaner, more focused version of it than the later, more feature-heavy sequels.
The Story
The original Money Train, released in 2019, set the template that the whole franchise still follows: a gang of outlaws — the Collector, the Payer, the Sniper and friends — rob a heavily armoured train rolling through a dusty, steampunk-inflected Wild West. Money Train 2 arrived in August 2020 as a direct sequel rather than a reinvention, keeping the same crew and the same core heist but adding new mechanics to the Money Cart Bonus that made the original a hit, cementing steampunk Wild West as one of high-volatility slots' most durable settings alongside Hacksaw Gaming's Wanted Dead or a Wild. It went on to become one of Relax Gaming's most enduring releases, still ranking among the studio's most-played slots years after launch, and it's widely regarded by players and reviewers as the high point of the series before later entries pushed the grid size and modifier count even further.
Theme, Gameplay & Symbols
Money Train 2 plays out on a 5-reel, 4-row grid with 40 fixed paylines — the format the whole series launched with, before Money Train 4 later moved to a 6x6 scatter-pays layout. Low-paying symbols are a set of coloured gem-like icons; higher-paying symbols are the outlaw crew themselves, rendered in the same gritty, sepia-toned art style as the original. A skull Wild substitutes for all paying symbols and appears with its own animation when it lands as part of a winning combination.
The base game also carries a Respin feature that can trigger on any spin when 2 Bonus scatter symbols land: the reels respin with an extra chance to complete a 3-symbol Bonus trigger, keeping the base game from feeling like pure filler between bonus rounds. Wild symbols appear more frequently during Respins, giving each retrigger attempt a genuine chance at a bonus, rather than the feature simply padding out play time.
Presentation & Sound
Visually, Money Train 2 sticks closely to the original's grimy, industrial Wild West look: rusted metal framing around the reels, a sun-bleached desert backdrop, and character portraits with the same weathered, comic-book-inspired art direction. It's a smaller, tighter production than the later sequels — no 6x6 grid, no sci-fi reskin — but it's a clean, well-polished evolution of the house style rather than a rough first draft. The soundtrack layers a tense, western-tinged score with mechanical creaks and clanks from the train itself, and the audio noticeably ramps up during the Money Cart Bonus as multiplier values start to stack, building tension toward each reveal in a way that's become a signature of the franchise.
How to Play Money Train 2
- Set your stake using the bet selector. Relax Gaming's own published range runs from around 10p up to £20 per spin, though UKGC rules cap online slot stakes at £5 per spin (£2 for 18–24-year-olds), so UK players can't stake anywhere near the top of that range — the exact minimum and maximum can otherwise vary by operator, so check the in-game panel before you play.
- Spin the 5x4 grid. Wins pay across the 40 fixed paylines when matching symbols land on adjacent reels starting from the leftmost reel.
- Watch for the Respin feature: landing 2 Bonus scatter symbols triggers a respin with boosted Wild frequency, giving you another shot at completing a 3-scatter Bonus trigger.
- Land 3 or more Bonus scatter symbols to open the Money Cart Bonus, which starts with 3 respins on an expanding grid.
- Inside the bonus, watch for the crew's modifier symbols — the Collector, the Payer, the Sniper and the Necromancer — landing and combining to build a total multiplier. Each new symbol that lands resets the respin counter back to 3.
- The round ends once no further symbols land within the respin limit; your accumulated multiplier total is then applied to your bonus win.
Features & Mechanics
The Money Cart Bonus is triggered by landing 3 or more Bonus scatter symbols in the base game (or via the Respin feature's retrigger chance). It opens with 3 respins on the same 5x4 grid, and every symbol that lands during the bonus carries its own cash or multiplier value, revealed on a small "cog" token — Relax uses two value bands here, a common bronze-tier reveal worth 1x to 10x stake and a rarer gold-tier reveal worth 20x to 200x stake. Four named character symbols carry the round: the Collector totals up the values of every other symbol on the grid and adds its own value on top; the Payer contributes an extra value to the round total whenever it lands; the Sniper fires at another symbol already on the grid and doubles its value; and the Necromancer, when it appears, revives one of the round's expired one-time-use characters so it can trigger again. A handful of unnamed helper characters trigger their effect once and then expire, keeping the outcome varied from one bonus round to the next.
A second mechanic sets Money Train 2 apart from the original: whenever a reel fills completely with symbols during the bonus round, an extra column is added to the grid, giving later stages of a long bonus run more positions for modifier symbols to land and stack their values. Where a Relax Gaming-powered operator offers it, a bonus buy option lets players pay a fixed multiple of their stake — historically priced around 100x — to skip straight into the Money Cart Bonus, and Relax publishes a higher RTP for that configuration than for base-game play. This is not something UK players will see in practice: the UK Gambling Commission's remote technical standards have prohibited bonus buy features at UKGC-licensed casinos since 2020, so no legally operating UK site can offer it — it's included here only for completeness on how the game is configured in other markets.
Volatility & Win Potential
Money Train 2's headline RTP is 96.40%, though — as with most Relax Gaming titles — individual operators can run a lower-RTP build, so it's worth checking the in-game info screen at whichever site you play; some configurations run closer to 94%. Where offered, the bonus-buy configuration carries a higher published RTP of 98%, though as noted above that option isn't available at any UKGC-licensed casino. Relax Gaming and third-party test labs consistently describe Money Train 2 as high to extremely high volatility: bonus triggers are infrequent in the base game, and most of the game's value is concentrated in the Money Cart Bonus itself, where a run of Collector and Sniper symbols can turn a modest starting value into a very large multiplier. The maximum win is 50,000x your stake — a figure the game displays prominently on its loading and bonus-trigger screens — reached only through an exceptional stacking of high-value modifier symbols late in a long bonus round. We don't have a verified published hit-frequency figure for the base game, so we won't put a specific number on how often bonus rounds land; treat this as a slot for players comfortable with long stretches between meaningful wins, not one built for steady, frequent returns.
Pros & Cons
- Pro: The Money Cart Bonus — Collector, Payer, Sniper and Necromancer working together — remains one of the genre's most replayable bonus formats, and Money Train 2 is where it was refined.
- Pro: The expanding-reel mechanic gives long bonus rounds genuine room to grow, rather than capping out on a fixed grid.
- Pro: A well-documented 96.40% RTP and a 50,000x max win on a franchise with a long, proven track record.
- Con: High to extremely high volatility means long dry spells in the base game are normal and expected, even with the Respin feature helping trigger chances along the way.
- Con: The bonus buy option Relax Gaming publishes for this game is not available to UK players under any circumstances, since UKGC rules prohibit it outright.
- Con: Visually and structurally, it's a smaller step up from the original Money Train than later entries in the series — players wanting the biggest, most feature-dense version of the format may prefer Money Train 3 or 4.
Final Verdict
Money Train 2 is the sequel that turned a promising 2019 debut into a genuine franchise, and it still holds up as one of Relax Gaming's most-played titles years on. The Money Cart Bonus's stacking modifier characters, the expanding-reel twist, and a well-earned 50,000x ceiling are all present and correct, wrapped in the series' signature steampunk Wild West presentation. It's not a slot for players chasing frequent, steady wins — the volatility is high and the bonus round can take a while to arrive — but for anyone who enjoys the Money Train format and wants to see where it properly took off, this is a strong, well-tested place to start. A free demo run is a sensible way to get a feel for the Respin feature and Money Cart Bonus before wagering anything for real.
