Money Train 2 slot is a 5-reel, western-themed game from Relax Gaming with a 96.4% RTP and very high volatility. It ranks in the 99.4th percentile for popularity across this site’s catalogue, so it draws attention for reasons beyond its numbers alone.
The 5-reel grid explained
Five reels is the standard video-slot layout, and it gives designers enough space to layer symbols without overwhelming the eye on smaller screens. Relax Gaming has chosen a Western theme here, which fits within their broader portfolio of 170 titles averaging 95.77% RTP.
The 5-reel count matters practically because it determines how many symbols you scan each spin. Wider grids (6 or 7 reels) exist in other games and shift the math of symbol matching, but at five reels you are looking at a familiar arrangement that most players read without conscious effort.
What the grid does not tell you, and what FACTS leave open, is the exact number of rows visible at once or the symbol set on each reel. Those details affect how often matching combinations land, but without published specifications for this particular layout, any claim about row depth would be guesswork. Stick to what is confirmed: five reels, Western theme, made by Relax Gaming.
Paylines, ways and how Money Train 2 pays
No payline count or “ways” mechanic is listed in the available data for this game. That absence is worth flagging because it means you cannot determine from specifications alone whether matching symbols need to sit on fixed horizontal lines, diagonals, or anywhere across adjacent reels.
Many slots in the Western theme cluster use either fixed paylines (commonly 20 or 25) or cluster-pays systems. The three related titles in this category — A Fistful of Coins, Beef Up the Bonus Power Combo, and Wanted Dead or a Wild — each take different mechanical approaches within the same genre. Without a published payline figure here, open the demo and count the active lines before wagering real money.
The practical consequence is straightforward: if the game uses a fixed-payline model, you pay per line, so total stake equals bet-per-line multiplied by line count. If it uses ways or clusters, the entire reel area is live regardless of stake distribution. Testing in free play clarifies which model applies.
96.4% RTP put in context
At 96.4%, this game returns roughly 0.69 percentage points above the site-wide corpus average of 95.71%. Over a very large sample — tens or hundreds of thousands of spins — that gap means approximately £69 more per £10,000 wagered than an average-corpus title would return. On individual sessions, however, the difference between 96.4% and 95.71% is invisible because volatility swamps it entirely.
Against Relax Gaming’s own portfolio average of 95.77%, Money Train 2 sits half a point higher, putting it among the provider’s above-average returns. Compare that to Outlaw Territory, another Relax Gaming western at 94.0% — nearly 2.5 points lower. If RTP ranking matters to you, this title clearly beats Outlaw Territory on that single metric.
| Metric | Value |
|---|---|
| RTP | 96.4% |
| Provider average RTP | 95.77% |
| Corpus average RTP | 95.71% |
| RTP above corpus | +0.69 pts |
| Volatility | Very high |
| Reels | 5 |
| Bet range | $/£/€0.10 – $/£/€20.00 |
| Popularity rank | #130 (99.4th percentile) |
Volatility and hit patterns
Very high volatility is the most operationally important number on this page. It tells you that payouts arrive irregularly and unevenly: expect extended sequences of small or zero returns punctuated by occasional large ones. Your session length before hitting dry spells is shorter in experience, even if the math does not change.
Practically, very high volatility demands a larger bankroll relative to your stake. A rule many players adopt is to hold enough balance for 200–300 spins at minimum stake before expecting the distribution to reflect the theoretical RTP. At $0.10 per spin, that means $20–$30 of starting balance. At the $20 maximum, the same cushion requires $4,000–$6,000, which most casual players should not attempt.
Hit frequency data is not published for this title. Without it, you cannot predict what percentage of spins will produce any return versus dead spins. The very high volatility rating strongly implies hit frequency falls below 25%, but that is an inference from the classification, not a confirmed figure.
Compare volatility tiers across the series: Money Train at 96.2% RTP and Money Train 3 at 96.25% share the same provider and similar structure, but their volatility ratings may differ. Always check per title rather than assuming series-wide consistency.
Choosing a stake between $/£/€0.10 and $/£/€20.00
The 200× spread between minimum and maximum bet gives you meaningful control over session economics. At the bottom end, a $10 balance gives you 100 spins — enough to survive initial volatility before a single large hit. At the top end, $10 buys only half a spin.
For players testing the game for the first time, starting at $0.10–$0.20 per spin lets you observe how long dry spells actually feel without committing significant funds. You are learning the rhythm of the game, not chasing outcomes.
Budget planning works differently under very high volatility than under low. If your entertainment budget is $50 and you stake $5 per spin, you have ten attempts before funds are exhausted. Ten spins at very high volatility will most likely produce no meaningful return and will feel like a loss. Same $50 budget, $0.20 per spin, gives you 250 attempts and a far more informative experience.
The stake ceiling of $/£/€20.00 exists for players who already understand the variance profile and can absorb the swings that come with it.
Demo play versus real money
A free demo is available for Money Train 2. Demo play runs the same mathematics as the real-money version — the RNG, the RTP, the volatility profile all operate identically. What changes is the emotional weight: you cannot withdraw demo credits, and demo results do not predict whether your next real-money session will hit or miss.
Use the demo to learn the interface, understand how symbols land, and gauge how the volatility feels to you personally. Then set a real-money budget before you switch over, and treat that budget as the cost of entertainment rather than an investment. Players must be 18 or over, should only wager money they can afford to lose entirely, and should stop while they are still comfortable.
No demo session — however long or however flattering the results — demonstrates anything about your future real-money outcomes. Every spin is independent. The machine has no memory of what happened on the demo side.
Verdict on Money Train 2
96.4% RTP with very high volatility and a 200× stake range makes this a mathematically honest but emotionally demanding game. It is not a title for players who need frequent small rewards to feel engaged. The Western theme and 5-reel layout place it in a crowded genre, but its RTP sits above both the Relax Gaming average and the site-wide corpus, giving it a genuine edge on paper over titles like Outlaw Territory.
The missing data — no payline count, no hit frequency, no max win figure — means the published specifications alone cannot tell you the full story. Open the demo, count the lines, observe the hit rate over a few hundred free spins, and then decide whether the variance profile suits your budget. That observation period costs nothing and answers every mechanical question this review cannot.
Frequently Asked Questions
Is Money Train 2 free to play?
Yes, a free demo is available for Money Train 2 through Relax Gaming's distribution. You can play without depositing money or creating a real-money account. The demo uses identical mathematics to the real-money version, so it is useful for learning the interface and observing how very high volatility feels before committing funds.
What is the RTP of Money Train 2?
Money Train 2 carries a 96.4% RTP, which is 0.69 percentage points above the site-wide corpus average of 95.71% and roughly 0.63 points above Relax Gaming's own portfolio average of 95.77%. Across a very large sample, this means the game returns approximately £96.40 for every £100 wagered, though individual sessions will deviate significantly.
How volatile is Money Train 2?
Relax Gaming rates Money Train 2 as very high volatility. This means wins arrive irregularly, with extended stretches of small or zero returns punctuated by occasional larger payouts. You need a substantially larger bankroll relative to your stake compared to a low-volatility slot to survive the dry spells that very high variance produces.
What other games does Relax Gaming make?
Relax Gaming publishes 170 titles with an average RTP of 95.77%. Within the Money Train series specifically, Money Train 2 (96.4%) sits above both the original Money Train (96.2%) and Money Train 3 (96.25%). Outlaw Territory, another western-themed title from the same provider, carries a notably lower 94.0% RTP.
What are the minimum and maximum bets on Money Train 2?
Bets range from $/£/€0.10 to $/£/€20.00 per spin, a 200× spread. At the minimum stake, a $10 balance gives you 100 spins. At the maximum, the same $10 covers only half a spin. For a very high volatility game like this, the minimum end is strongly recommended for anyone learning the variance profile.
