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Last updated: July 2026
Released on 2 September 2020, Money Train 2 is the game that turned a strong 2019 debut into slot history’s most imitated franchise. The essentials up front: 96.40% RTP in the default build — still the highest of any mainline Money Train — a 50,000x max win (2.5 times the original’s cap), and a bonus round rebuilt around two ideas: a win multiplier that climbs during the respins and a roster of 11 modifier symbols. Six years on, plenty of series veterans still call it the best game Relax Gaming has ever made.
Specs at a Glance
| Spec | Detail |
|---|---|
| Provider | Relax Gaming |
| Release | 2 September 2020 |
| RTP | 96.40% (default build — operator versions can be lower) |
| Volatility | Very high (editorial rating) |
| Grid | 5 reels × 4 rows, 40 ways |
| Max win | 50,000x |
| Bet range | Operator/market dependent — not listed in our fact base |
What Changed From the Original
Money Train 2 is a masterclass in sequel design: it touched nothing that worked and upgraded everything else.
- RTP up: 96.20% → 96.40% (default builds).
- Max win up: 20,000x → 50,000x.
- The multiplier: the respins round now carries a win multiplier that grows as the feature progresses, which is where most of the new ceiling comes from.
- The modifiers: the original’s compact set of specials balloons to eleven, adding entirely new archetypes.
The grid stayed at 5×4 with 40 ways, the loot-train premise stayed, and the base game remained a deliberate slow-burn. Everything Relax learned here — more specials, bigger caps, feature-first design — became the template for the third mainline game and beyond.
The 11 Modifiers, Explained
The bonus (triggered by bonus symbols, played as respins on a separate reel set where every symbol carries a coin value) is the whole show, and the modifier roster is why. The four headline archetypes:
Payers land with their own value and add it to every other symbol in view. A Payer early in a round inflates everything that follows.
Collectors are the reverse: they sum every value on the grid and absorb the total. The classic dream sequence is Payers pumping the grid, then a Collector cashing it all into one symbol.
Snipers pick random symbols and double their values — quietly one of the most powerful specials when a round has already built a big board.
Necromancers are the sequel’s signature invention: they resurrect special symbols that have already fired and trigger them again. A Necromancer hitting a spent Collector is the kind of moment this game is remembered for.
Around these four sit persistent and golden variants — versions that stay active and repeat their effect on subsequent respins rather than firing once. (The persistence concept proved so popular that Money Cart 2 built its entire identity on it, and Money Train 3 made it the mainline standard.) Eleven specials sounds like chaos; in play it’s remarkably legible, because each one telegraphs its effect the moment it lands.
Every new symbol resets the respin counter, so a busy grid keeps the round alive — and with the climbing multiplier underneath, long rounds compound in a way the 2019 original simply couldn’t.
Theme and Base Game
Visually, MT2 doubles down on the outlaw fantasy with a darker, more industrial edge — less dusty plains, more armored locomotive. The base game runs standard 40-ways wins with the same philosophy as before: modest pays, high anticipation, everything pointing toward the trigger. A bonus buy exists in markets where buys are permitted; community data puts the bought feature’s RTP near 98%, though that figure isn’t confirmed in our fact base.
Reading the Numbers
96.40% is a genuinely good default RTP — above the modern 96% baseline and the best in the mainline series to this day. The standard warning matters here more than most places: Money Train 2’s popularity makes it a prime candidate for reduced-RTP operator builds, so verify the figure in the game’s info screen at your casino.
Volatility is very high. The multiplier-driven bonus concentrates value in rare, explosive rounds; the median session will not look like the YouTube highlight reels. That’s not a bug — it’s what a 50,000x ceiling costs. For the mechanics of that trade-off, see our RTP and volatility explainer.
Its Place in the Series
Sandwiched between the blueprint and the spectacle, MT2 is the series’ sweet spot. Against the 2019 original: strictly better math, vastly deeper bonus. Against Money Train 3: higher default RTP (96.40% vs 96.10%) and a simpler, punchier feature set, in exchange for half the max win and no persistent boosters. Against Money Train 4: no contest on scale — MT4 triples the ceiling — but many players find MT2’s eleven modifiers the better-curated toolkit compared to MT4’s twenty-plus.
If you want one game to understand why this franchise conquered the industry, it’s this one. The full series guide maps all nine titles if you’d rather compare first.
Playing Money Train 2 for Real Money
VAVADA is the natural home for this game — literally. When Relax Gaming announced its distribution deal with the casino in March 2021, Money Train 2 was one of the named launch titles. New players get 100 free spins with no deposit required plus a 100% welcome match up to $1,000; deposits start at $1 with both crypto and fiat supported, and withdrawals typically land within a day. We cover the operator in depth in our VAVADA review, and the offer’s wagering terms in the welcome bonus guide.
Crypto-first players should look at Housebets — a confirmed Relax carrier with a 150% first-deposit bonus up to $1,000. Our Housebets review has the details.
Demo: free-play versions of Relax titles are commonly available at carrying casinos (availability varies by market) — sensible for learning eleven modifiers before real stakes.
FAQ
What is Money Train 2’s RTP?
96.40% in the default build — the highest mainline figure in the series. Operators can run lower versions, so check the in-game info panel where you play.
What is the max win in Money Train 2?
50,000x your bet, achieved through the bonus round’s combination of value symbols, modifiers and the climbing multiplier.
What are the special symbols in Money Train 2?
Eleven modifiers in total. The key archetypes: Payers (add their value to other symbols), Collectors (absorb all visible values), Snipers (double random symbols) and Necromancers (re-trigger used specials), plus persistent/golden variants.
Is Money Train 2 better than Money Train 3?
For default RTP and elegance, yes — 96.40% vs 96.10%, with a tighter feature set. MT3 counters with a 100,000x cap and persistent boosters. Preference, not correctness.
Can I buy the bonus?
In markets where bonus buys are legal, yes. The bought-feature RTP is reported around 98% but isn’t verified in our sources — check the game’s own info screen.
Verdict
Money Train 2 is the franchise’s high-water mark for design economy: every one of its eleven specials matters, the multiplier gives rounds a real arc, and the best default RTP in the mainline series sweetens the math. Later games are bigger; none is tighter. If you play only one Money Train, play this one.
Play Responsibly
A 50,000x ceiling means a top-heavy game — expect long quiet stretches and never chase the highlight-reel outcome. Decide your budget before the first spin and stop at the limit. Free, confidential help: BeGambleAware, GamCare, Gambling Therapy.