Money Train 2 is one of Relax Gaming’s best-known slots — a steampunk-Western heist built almost entirely around its Money Cart bonus and a huge 50,000× ceiling. This page sets out the plain facts: what it is, how it plays, its RTP, and how the features work — without hype.
It is written to inform, not to promote. Nothing here recommends playing or depositing. Slots are games of chance built with a house edge, so over time they are designed to return less than is staked.
What It Is
Money Train 2 is a video slot from Relax Gaming, released in 2020 as the sequel to the original Money Train. It runs on a 5-reel, 4-row grid with 40 fixed paylines and uses a steampunk Wild West theme — a train heist across a baking desert, with collectors, snipers and other characters. It’s the second in a well-known series and shares its format with the later Money Train 3.
A quick note to avoid confusion: this is the second game. It differs from the original Money Train (20,000× max), from Money Train 3 and Money Train 4 (150,000× max), and from Relax’s re-skins of the same game (sold as “Money Cart” and “Great Western Express”). Their numbers differ, so check which one you’re playing.
How It Plays
Set your bet (roughly $0.20 to $20) and spin; wins pay for matching symbols across the 40 lines from the left. Be clear about the design, though: the base game is deliberately thin, and the whole point is reaching the Money Cart bonus.
RTP, Volatility and Max Win
Check the version before you play. The standard RTP is 96.40%, slightly above average — but a lower ~94.4% version exists at some casinos, and the gap adds up over time. The Bonus Buy raises the figure to around 98%, but that comes with its own large cost (see the caution above). Because the RTP varies by site, confirm it on the game’s information screen. Our guide to RTP explained covers why that matters.
The volatility is extremely high — a 5-out-of-5 rating, with wins landing only about one spin in five. Expect long dry spells punctuated by rare, sharp bursts in the bonus. The maximum win is 50,000× your stake, but it exists only inside the Money Cart round and is reached only through an exceptional bonus — a rare theoretical ceiling, not an expectation. Most sessions never come close.
Playing From New Zealand
You’ll find Money Train 2 at online casinos that carry Relax Gaming titles and accept New Zealanders. Rather than naming specific sites, the important thing is to check the operator itself: the legal backdrop changed in 2026, when the Online Casino Gambling Act 2026 created New Zealand’s first licensing system for online casinos, run by the Department of Internal Affairs (DIA). From 1 December 2026, only DIA-licensed operators may lawfully offer online casino games to New Zealanders. A game like this isn’t “licensed” in New Zealand — the casino offering it must be, and features such as the Bonus Buy may be restricted in some markets. Our overview of online casino licensing in New Zealand explains how that works, and you can browse more titles via our casino games section.
Practical Notes (Not a Strategy)
No strategy changes a slot’s odds — every spin is independent and random, and the bonus is never “due,” however long the dry spell. A few honest pointers: check which RTP version you’re playing (96.4% versus 94.4% is a real difference); understand this is an extremely high volatility game that can burn through a bankroll between bonuses; be wary of the Bonus Buy, a large up-front cost with no guaranteed return; try the demo/free-play mode first; set a firm time and money limit before you start; and remember bonus funds and free-spin offers carry wagering requirements (our casino bonuses guide explains the fine print).
Staying in Control: Responsible Play in Aotearoa
An extremely high-volatility game where nearly all the value hides behind a hard-to-reach bonus — plus a Bonus Buy dangled as a shortcut — is a design that can strongly encourage chasing, both through long dry spells and by repeatedly buying the feature. Treat any slot as paid entertainment only — never as a way to make money or recover losses. Regulated operators must provide control tools such as deposit limits, reality checks and self-exclusion. Our guide to self-exclusion tools explains how they work.
Free, confidential help is available in New Zealand at any time — you do not need to be in crisis to use it.
Factual information disclaimer
This article is provided for general information only. It describes the features and publicly reported facts of the Money Train 2 slot; it does not encourage gambling, does not recommend playing this game or depositing with any operator, and is not legal, financial or professional advice.
Gambling involves financial risk and can be harmful. RTP figures are long-run averages that can vary by version, not a promise of returns, and the maximum win is a rare theoretical outcome. Game details, RTP and availability can vary by casino and change over time — always check the in-game information before playing.
If gambling is affecting you or someone you know, free and confidential support is available: the Gambling Helpline Aotearoa on 0800 654 655 or at gamblinghelpline.co.nz, and the New Zealand regulator, the Department of Internal Affairs, at dia.govt.nz.
What is the RTP of Money Train 2?
The standard version is 96.40%, slightly above average, but a lower ~94.4% version exists at some casinos, and the Bonus Buy runs around 98%. Because it varies, check the RTP on the game’s information screen before playing.
What is the maximum win?
50,000× your stake — a big jump from the original Money Train’s 20,000×. It’s found only in the Money Cart bonus and reached only through an exceptional round, so it’s a rare theoretical ceiling rather than an expectation.
How volatile is Money Train 2?
Extremely — a 5-out-of-5 rating, with wins landing only about one spin in five. Long dry spells between bonuses are normal, so firm limits matter.
What is the Money Cart bonus?
It’s a hold-and-win round triggered by three or more scatters. You start with 3 respins that reset each time a new special symbol lands, and special symbols build up multiplier values. It’s where the whole game — including the 50,000× ceiling — plays out.
Where can I get help if gambling becomes a problem?
Free, confidential support is available in New Zealand through the Gambling Helpline Aotearoa on 0800 654 655. Support is available at any time, and you do not need to be in crisis to reach out.
