What makes Money Train 2 different
Money Train 2 is a 5-reel, 40-payline pokie by Relax Gaming, released in 2020. It is widely considered one of the most volatile mainstream pokies available in NZ, with a 50,000x maximum win and a bonus round that uses unique symbol interactions rather than a standard sticky Wild or free spins mechanic.
The Money Cart bonus
The Money Cart bonus is triggered by landing 6 or more special symbols (including cash, Collector, Payer, or Sniper symbols) across the reels. Once triggered, the game switches to a 4-reel, 3-row Money Cart where 3 respins begin.
Any special symbol that lands locks in place and resets the respin counter to 3. The round ends when all 3 respins are exhausted with no new symbol landing, or when all 12 positions are filled.
Special symbols in the Money Cart
Cash symbols carry fixed multiplier values that add to the total when the round ends.
Collector — collects the sum of all cash values currently on the other reels and adds that total to its own position. Multiple Collector triggers during one bonus round can compound dramatically.
Payer — adds a cash value to every other symbol currently on the board. Combined with multiple Collectors, a single Payer can multiply the round’s total exponentially.
Sniper — removes the highest-value symbol from the board (reduces total). Landing a Sniper mid-round is negative.
Persistent Collector/Payer — rare symbol versions that remain and reactivate on every subsequent respin rather than triggering once.
Why the ceiling is 50,000x
The interaction between Persistent Collectors, multiple Payers, and a full board of cash symbols can cascade values to extreme heights within a single bonus round. Reaching the 50,000x ceiling requires optimal symbol placement with multiple high-value interactions — it is a statistical edge case, not a typical outcome.
RTP and volatility
Relax Gaming publishes 96.4% RTP. Money Train 2 is among the highest-volatility mainstream titles available. Extended base game sessions with few notable wins are normal. Most of the game’s return is generated in a small number of exceptional bonus rounds.
What it costs per hour
At NZ$0.40 per spin and 400 spins per hour: NZ$160 wagered × 3.6% house edge = approximately NZ$5.80 expected loss per hour.
### Q: What is the difference between Money Train 2 and Money Train 3?
A: Money Train 3 (2022) adds a second bonus round (the Bonus Express) and new symbol types including the Multiplier and Rival symbol. The core Money Cart mechanic is retained. Money Train 3 has a higher maximum win (100,000x). Both are high-volatility; Money Train 3 is considered the more volatile of the two.
### Q: Can the Sniper symbol ruin the bonus round?
A: Yes. A Sniper removes the highest-value symbol on the board when it lands, reducing the total. However, it also locks in place and resets the respin counter like any other symbol, so it does not end the round — it simply lowers the board’s current total. Multiple Snipers in a round are unfavourable.
### Q: Is the maximum bet lower than other pokies?
A: Yes. Relax Gaming caps the maximum bet at NZ$20 per spin on Money Train 2 — lower than most comparably volatile titles. This is deliberate: the 50,000x ceiling at NZ$20 produces a NZ$1,000,000 theoretical maximum win per spin. The cap limits operator liability per single spin.
Playing Money Train 2 at NZ casinos
Money Train 2 returns 96.4% over the long run — above the 78% minimum return required at NZ land-based pokies venues. At the NZ$0.20 minimum bet, the 3.6% house edge produces an expected hourly loss of approximately NZ$2.88 at 400 spins. At the NZ$20 maximum bet that rises to approximately NZ$288. The unusually low maximum bet cap for a high-volatility game reflects Relax Gaming’s decision to limit single-spin liability at the 50,000x ceiling — a meaningful constraint for players who prefer higher stakes.
Money Train 2 is among the most volatile mainstream pokies available to NZ players. The 40-payline base game produces regular small wins from symbol combinations, but these are incidental to the game’s real character — the Money Cart bonus round. Extended base game sessions between bonus triggers are the norm: hundreds of spins producing modest returns while the game’s significant value waits in the occasional Money Cart activation. During the Money Cart, outcomes vary enormously depending on which special symbols appear and how they interact — a Collector paired with a Payer can cascade values dramatically, while a run of plain cash symbols or Sniper appearances produces a modest result.
The 50,000x maximum win requires a Money Cart round with optimal Persistent Collector and Payer symbol combinations in ideal positions — a statistical extreme that occurs across millions of rounds. At NZ$0.20 per spin it represents NZ$10,000; at NZ$20 it represents NZ$1,000,000. Expected hourly cost at the NZ$0.20 minimum is approximately NZ$2.88; at NZ$0.40 approximately NZ$5.76.
Money Train 2 is not recommended for limited bankrolls due to its extreme volatility. Visit our responsible gambling page for NZ support and session management tools.
Q: What is the RTP of Money Train 2?
A: Money Train 2 has an RTP of 96.4%. This means for every NZ$100 wagered over many sessions, the game returns an average of NZ$96.40 to players and keeps NZ$3.60 as the house edge. At NZ$0.20 per spin and approximately 400 spins per hour, the expected hourly loss is approximately NZ$2.88. Check the in-game information panel at your specific casino to confirm the RTP setting in use — some casinos apply lower settings.
Q: Is Money Train 2 available at NZ casinos?
A: Yes. Money Train 2 by Relax Gaming is available at reviewed NZ casinos on this site. Check individual casino reviews for the current game library — availability can change as operators update their game catalogues.
Q: What is the maximum win on Money Train 2?
A: The stated maximum win is 50,000x your stake. At NZ$0.20 per spin this would be NZ$10,000.00. Maximum win figures represent the theoretical ceiling under optimal conditions — they are statistical outliers that occur rarely across millions of spins, not typical session outcomes.