Money Train 2 app guide

For most people, the Money Train 2 app means Relax Gaming’s 2020 sequel opened inside a UK-licensed casino app on iPhone or Android. It keeps the 5 × 4, 40-line frame of the original but adds a wild, a base-game respin feature and a bigger cast of Money Cart characters, raising the ceiling to 50,000x stake. Here is what each character does and how the game plays on a phone.

Key takeaways

  • This is the 2020 sequel: 5 reels, 4 rows, 40 lines and a 96.40% published RTP.
  • The Money Cart gained the Sniper, Necromancer, Collector-Payer and Reset Plus symbols.
  • Unlike the original, the base game has a wild and a respin feature with a building multiplier.
  • High volatility and a 50,000x ceiling mean results swing hard; set a budget first.
Developer
Relax Gaming
RTP
96.40%
Volatility
High
Layout
5 reels × 4 rows
Ways to win
40 paylines
Max win
50,000x
Released
2020

What the Money Train 2 app game adds to the original

Relax Gaming released this sequel in 2020, a year after the original Money Train. The setting is a darker take on the frontier, but the structure stays familiar: a 40-line base game and a respin bonus called the Money Cart. The changes are in the detail. The sequel gives the base game more to do, adds new characters to the bonus, and lifts the top prize from 20,000x to 50,000x.

There is no real-money Money Train 2 app as such. You play it inside a casino operator’s app, installed from the App Store or Google Play, using the same account, balance and limits as the operator’s website. Our mobile slots UK page explains how slot play works across apps and mobile sites.

Money Train 2 in portrait and landscape

The four-row grid is tall enough to look natural in portrait, with the reels across the top of the screen and the controls below. In landscape the scenery frames the reels and the spin button moves to the right edge. The Money Cart is the part to think about: with up to two extra reels unlocked and a value printed on every symbol, the grid gets crowded, and landscape makes the numbers easier to follow on phones under six inches.

Animations are heavier than in the original, especially when several characters act at once. On a budget handset that can mean a short pause between respins. If the game stutters, our guide to casino app speed and performance lists the usual fixes, from clearing the app cache to switching networks.

How to start playing Money Train 2 on your phone

  1. Open your casino app and sign in. Turn on Face ID or fingerprint login if you haven’t already.
  2. Search “Money Train 2” and check the tile names Relax Gaming as the studio.
  3. Tap the info icon and read the Money Cart rules; there is a long list of special symbols to learn.
  4. Choose your stake. UK apps cap it at £5 a spin, or £2 if you are 18–24.
  5. Tap Spin. Watch for wilds, the two-scatter respin feature and three-scatter bonus triggers.
  6. In the Money Cart, follow the respin counter at the top; it resets each time something new lands.
  7. When the round ends, the total is added to your balance; check the net-position bar before carrying on.

Wilds and the base-game respin feature

The original’s base game was often criticised as a waiting room for the bonus. The sequel adds a skull wild that substitutes for regular paying symbols, and a respin feature that can start when two scatters land: a multiplier builds on the respins until a win arrives, then applies to that win. The game’s rules screen sets out the exact behaviour. These features don’t change the overall RTP, but they spread more of it into the base game. Our multiplier glossary entry explains the general idea.

The Money Cart cast: Sniper, Necromancer and more

Three or more scatters start the Money Cart with three respins. Only cash symbols, special characters or blanks can land, and every new symbol sticks and resets the counter. Filling a reel can unlock an extra one, up to two in total. The characters below are what turn an ordinary cart into a large one.

SymbolActionPersistent version?
Cash bonusHolds a cash value as a multiple of your stakeNo
PayerAdds its value to every other symbol in viewYes
CollectorAdds every value in view onto itselfYes
Collector-PayerCollects all other values, then pays its new total back to themNo
SniperDoubles the values of 3 to 8 random symbols, sometimes the same one twiceYes
NecromancerBrings 1 to 6 used special symbols back to act againNo
Reset PlusAdds one to the respin count, so it resets to 4, then 5No

Two characters change the shape of a round most. Reset Plus gives you more chances on each cycle, so a cart can run much longer. The Necromancer revives characters that have already acted, which can repeat a big Collector-Payer or Sniper action. Persistent versions act on every respin for the rest of the round, and landing one early is usually what separates a modest cart from a strong one.

Money Train 2 RTP and volatility in plain numbers

At 96.40%, Money Train 2 has the highest published RTP in the series. The average long-run cost of £100 staked is about £3.60. That is a long-run figure, and casinos may run lower versions, so check the rules screen in your app. Our page on best payout casino apps explains how RTP should and shouldn’t guide your choices.

Volatility is high. In practice, a 20p-a-spin session with a £30 budget gives 150 spins, which may or may not include a Money Cart. When one arrives, the result can range from a few times your stake to many hundreds of times. The 50,000x ceiling would be £10,000 on a 20p spin, but it is reached extremely rarely.

UK rules that apply on mobile

In Great Britain, Money Train 2 runs without its bonus buy, which some other markets offer. Spins take at least 2.5 seconds, with no autoplay or turbo, and the app caps stakes at £5 per spin for players aged 25 and over and £2 for 18–24s. Demo play is available only after age verification. For the full set of rules, see UK slot design rules on mobile.

How the sequel compares with similar slots

SlotDeveloperRTPVolatilityMax win
Money Train 2Relax Gaming96.40%High50,000x
Money TrainRelax Gaming96.2%High20,000x
Money Train 3Relax Gaming96.1%High100,000x
Big BambooPush Gaming96.13%High50,000x

Big Bamboo shares the 50,000x ceiling with a mystery-symbol bonus instead of a respin cart. Within the series, this game sits between the simpler original and the more complex third game. Our hold and win slots apps page covers more games with similar bonuses.

Money Train 2 on mobile: what works and what doesn’t

Advantages

  • Highest published RTP in the series at 96.40%
  • Base game has more going on than the original
  • Necromancer and Reset Plus create varied bonuses
  • Four-row grid suits portrait screens

Drawbacks

  • The long list of bonus symbols takes time to learn
  • Crowded cart is hard to read on small phones
  • High volatility can mean long gaps between bonuses
  • Animation load is noticeable on older handsets

Where to play Money Train 2

Choose a UKGC-licensed casino app and search for the game, as libraries vary by operator. Among the partners below, Ladbrokes gives new customers who play £10 on slots 50 no-wagering spins a day for ten days, up to 500, at 10p each on selected games; claim each day from the in-app inbox before 23:59; 18+, terms apply. Compare other choices on our casino app bonuses page.

Ad 18+ only. We may earn commission from these links. Advertiser disclosure

Money Train 2 isn’t named in any partner offer. Ladbrokes and Coral give no-wagering 10p spins on selected slots after a £10 slots stake, and Casumo’s 50% match up to £100 can be used on eligible slots with 10x wagering; 18+, terms apply.

Coral and Ladbrokes are both run by LC International Limited (Entain). If you already hold an account with one Entain brand, you may not be able to open a new account with another; check the terms before signing up.

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Worked value
Up to 500 spins at £0.10 (up to £50 in spins)

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Read the Ladbrokes review Licence: LC International Limited, UKGC account 54743. Offer checked 5 October 2026.

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Minimum
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Time limit
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Read the Casumo review Licence: Recro Limited, UKGC account 61549. Offer checked 5 October 2026.

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Time limit
48 hours to accept, then 7 days
Worked value
100 spins at £0.10 (£10 in spins)

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Read the Coral review Licence: LC International Limited, UKGC account 54743. Offer checked 5 October 2026.

18+. Gambling should be entertainment that costs money, not a way to make it. Set a deposit limit before you play: how to set limits. Free, confidential help: National Gambling Helpline 0808 8020 133.

Frequently asked questions

Is there a Money Train 2 app on iPhone?

Not as a standalone game. Relax Gaming supplies Money Train 2 to licensed casinos, and you play it in their apps. Apple allows real-money gambling apps on the UK App Store only from licensed operators, so download a casino’s app, sign in and search for the game in its lobby. Store apps using the name without a licensed casino behind them are not the real game. Our iPhone casino apps page compares the main options.

What does the Necromancer do in Money Train 2?

The Necromancer brings back special symbols that have already acted in the Money Cart, so they act again. It can revive between one and six used characters, such as Payers, Collectors, Collector-Payers or Snipers. Reviving a Collector-Payer with a large value, or a Sniper that doubles big symbols, can change a round considerably. Its effect depends on what is already on the grid, so an early Necromancer usually does less than a late one.

How does the Sniper work?

When the Sniper lands, it doubles the values of between three and eight random symbols on the grid, and it can hit the same symbol more than once. A persistent Sniper repeats that action on every respin for the rest of the round. Because it doubles existing values, it works best when there are already large values to target. The exact rules for your version are in the game’s info screen, which our paytable reading guide helps you navigate.

What is the RTP of Money Train 2?

The published RTP is 96.40%, the highest in the Money Train series. That means an average long-run cost of about £3.60 per £100 staked, though individual sessions on a high-volatility game vary widely. Some casinos run lower-RTP versions, so the figure in your app’s rules screen is the one that applies. Our RTP glossary entry explains the difference between long-run averages and what happens in one sitting.

Can I buy the Money Cart bonus in the UK?

No. Feature buys are not offered to players in Great Britain, so the Money Cart in a UK app can only be triggered by landing three or more scatters in normal play. Videos showing a buy button were recorded on non-UK versions. The rule exists to slow the pace of play and reduce the cost of chasing features. Our bonus buy glossary page explains the background.

What is Reset Plus?

Reset Plus is a Money Cart symbol that adds one to the number of respins the counter resets to. Normally the counter goes back to three whenever a new symbol lands; after one Reset Plus it goes back to four, and so on if more land. That gives each cycle of the round more chances to land new symbols, so it tends to make bonuses longer. It doesn’t carry a cash value itself. See our respin glossary entry for more on respin counters.

What is the maximum win on Money Train 2?

The maximum is 50,000 times your stake, up from 20,000x in the original. At 20p a spin that would be £10,000; at the UK maximum of £5 for players aged 25 and over, £250,000. It is a cap, not a target, and nearly every bonus pays far less. The sequels raised the ceiling again to 100,000x and 150,000x. Our max win glossary page explains how caps end a round when reached.

Does Money Train 2 use a lot of mobile data?

Not much once it has loaded. Like most HTML5 slots, the bulk of the data is used the first time you open the game, when graphics and sounds are downloaded and cached. After that, each spin sends only small amounts of data to the casino’s servers. Using Wi-Fi for the first load is sensible on a limited plan. Our guide to Wi-Fi vs mobile data for casino apps has more detail.

18+ only. Please gamble responsibly.

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