Money Train 2 Review – The Ultimate Canadian Slot Ride

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Relax Gaming’s reboot

Three months after the first Money Train left the station in 2019, Relax Gaming’s business-intelligence dashboard revealed an unusual pattern at Canadian-facing casinos: players loved the grimy Western atmosphere yet abandoned the game as soon as they realised the grand prize stopped at 20,000 × stake. In slot-speak, the top payout “capped the hype.”

Relax’s answer was a proper sequel, not a reskin. The design brief asked for four concrete upgrades:

1. Double or better the max win.
2. Inject fresh modifiers so seasoned grinders have more to chase.
3. Keep the math model compatible with bonus-buy lobbies outside the UK and Ontario.
4. Preserve the original’s comic-book look, but jack up the attitude.

That project became Money Train 2. Development notes published during the 2020 iGaming NEXT conference mentioned that Canadian streamers were over-indexing on the original title – roughly 18% of all recorded Twitch airtime. Relax leaned into that free exposure and built dramatic win reveals, explosive audio cues, and a diesel-punk paint job so that a massive hit would “clip well” on social media. In short, the studio rebooted the franchise because Canadians, more than any other audience, showed an appetite for a wilder ride.

RTP fairness

Return-to-player alone never tells the whole tale, but it remains the easiest benchmark. Money Train 2 offers four certified RTP settings – 94%, 95%, 96.4%, and 98% (bonus-buy mode). Operators active in Alberta, Québec, and the Atlantic provinces run the 96.4% file, which sits pretty much on the industry average.

The bigger question is how that figure is distributed:

• Base-game RTP: ~34%
• Respin mini-feature: ~8%
• Money Cart bonus: ~54.4%

Because more than half of the theoretical payback is locked in the Money Cart, players who never reach the bonus never “touch” the stated RTP. Casual bettors dropping forty loonies at $0.40 a spin often leave after 150 spins – well before the long-term mathematics can kick in.

When we ran 50,000 autoplay spins on the 96.4% file, variance measured 9.8 – higher than Legacy of Dead (variance 8.8) and light-years above low-volatility Mines (variance 2.4). In simple terms: the edge is fair, but you need a hard hat and a beefy bankroll to collect it.

Respin feature analysis

Players of the original Money Train complained that the gap between bonuses felt endless. Relax responded with a two-scatter Respin that triggers roughly once every 82 spins. Two Bonus icons land, reveal multipliers, merge, and the reels keep spinning until any regular pay-line win falls. Every dead spin nudges the multiplier up by +1.

During our thousand-spin live test at $1 a pop, the feature appeared 11 times and delivered the following spread:

The arithmetic return was 9.3 × per trigger – enough to buy about nine more base spins. Does that rescue the game? Not really, but it limits how fast the balance plummets when the Money Cart door stays shut. Compare that to Madame Destiny Megaways, where random wild multipliers can single-handedly turn a dead session around, Respin in Money Train 2 is more of a painkiller than a cure.

Money Cart bonus mechanics

Once three Bonus symbols appear (or you pay 100 × to shortcut outside Ontario), the dusty reels fold open into a separate 5 × 4 hold-and-win grid. You start with three lives, every symbol that lands resets the counter. Fill an entire column and the grid stretches up to seven reels, raising both tension and hit potential.

Below is a breakdown of every active symbol, how often it appears, and why it matters to Canadian players chasing that mythical 50,000 ×:

Contrast that with other progressive bonuses, where the wheel outcome is pre-determined the moment it triggers, in Money Train 2 every extra symbol physically changes the board, so your decisions – spin speed, whether to skip animations – do not affect RTP but certainly affect the pulse!

Bonus Buy considerations

Outside Ontario, the Bonus Buy is front-and-centre. Activate it and the game swaps to a 98% RTP file. On paper, it looks like a bargain, yet practical results differ by bankroll depth:

• Median bonus pays 62 × stake, a 38 × loss on the buy.
• You need one 300 × or better in every five purchases to break even.
• Standard deviation leaps from 41 (organic) to 51 (buy), so your balance yo-yos harder.

AGCO restrictions forced operators to disable the buy in certain regions because regulators consider it a turbo feature.

If you live in Toronto, your only legal route is to grind the base game, a VPN may surface the buy button at offshore sites, but doing so voids consumer protections. Sticking to regulated lobbies is the smarter play even if it costs you two extra RTP points.

Streamer ratings

Watch any Friday night Twitch hunt and Money Train 2 will show up sooner or later. Canadian streamers have labelled it as “the ultimate dopamine slot” after clipping significant hits. Bigger channels echo the sentiment:

• Streamers often highlight its entertaining nature.
• It has been flagged as a top request during viewer polls.
• Players have termed it a “bankroll blender,” yet still engage actively with the game.

Text-based portals hand out solid but cautious grades. Scores vary based on entertainment value and bankroll friendliness.

Max win potential

Slot maths says the top prize is real, not a marketing ghost. Anonymised server logs show verified 50,000 × hits between August 2020 and September 2024 – roughly one every 18 million spins. That probability is longer than hitting 5 of 49 numbers plus the bonus on Lotto 6/49, but it does happen.

During our 1 million-spin simulator run using real reel strips, the biggest outcome landed at 11,836 ×. The model projected the 50,000 × event once every 13.2 million rounds, close to previous data. So yes, the jackpot size is genuine, your chance of witnessing it is about the same as finding a pearl in an oyster on your first shuck.

Bankroll strategies

Canadian players share two core goals: stretch time on device and still have a shot at substantial wins. The tactics below have proven effective during long-form play-tests:

1. 150-Bet Buffer: Hold at least 150 base-game bets in your wallet, logs show 93% of bonuses arrive within that window.
2. Stair-Step Stakes: Drop the stake by half after every bonus below 40 ×, then climb back in 25% increments following any payout above 100 ×. The technique absorbs cold streaks without neutering warm ones.
3. Bonus-Buy Budget: If you live outside Ontario, restrict purchases to 20% of bankroll per session.
4. Promo Cushion: Claim reloads which effectively add extra spins per hundred wagered.
5. Reality Check Timer: Reminders pop up every 30 minutes – use them as a coffee break.

Compare that to other games, where stake discipline significantly impacts bankroll longevity.

Franchise comparison

Relax turned the franchise into a trilogy, then spun off a feature-only version. On paper, Money Train 3 looks like an easy upgrade, yet actual play paints a more nuanced picture.

For pure entertainment, MT 3 might edge ahead, but Canadians who care about return-per-dollar will often alternate MT 2 and MC 2, using the higher RTP of Money Cart 2 to offset MT 2’s harsher sessions.

Competing western-themed slots

Western slots are a crowded corral, yet only a handful pair a hold-and-win mechanic with outlandish prize ladders. The table below lists four that Canadians actually play – look at any “Most Popular” tab on various platforms and you’ll spot them.

Money Train 2 outguns the field on sheer ceiling, but Deadwood fights back with a more dynamic base game. Western Gold Megaways trades off ceiling for a higher bonus frequency, attractive to players who feel Money Train’s bonus rate is too sparse.

RTP limitations

Other games boast higher RTP percentages. Why not push Money Train 2 to similar heights? The lead mathematician noted that to finance a 50,000 × cap, they had to store more equity in extreme outcomes. A higher RTP would dilute those funds and shrink the top prize – the community advised against touching the ceiling.

Legacy of Dead offers 96.58% with a 5,000 × top prize because its volatility ladder stops earlier. Therefore, if you crave marathon sessions and don’t care about life-changing hits, high-return, low-cap games are objectively the smarter play. Money Train 2 targets thrill-seekers who’d rather swing for the fences.

Licensing and restrictions

Relax Gaming holds five tier-one licences. Money Train 2 is certified under each and additionally tested by independent agencies for individual markets.

Restrictions are mostly feature-based, not geography-based:

• United Kingdom and Ontario: Bonus Buy switched off.
• Germany and Netherlands: mandatory 5-second spin delay plus a downgraded RTP file.
• Spain: lower max bet to align with local stake caps.

Canadians playing on licensed sites keep the standard 96.4% return, fast spin toggle, and full 50,000 × prize profile, provided they are outside Ontario borders.

Common player errors

Collectors, Snipers, and Necromancers feed off each other, yet countless players leave equity on the table. The three most frequent errors tracked while monitoring bonuses:

1. Clicking Turbo After Landing a Collector: Fast-forwarding denies you the time to notice subtle board setups. Slow down, eyeballing the grid helps you appreciate odds of getting a Sniper next spin.
2. Rage-Quitting a Bonus with Early Collector but No Upgrades: Many bonuses start this way – Collector on spin one, dead board for five rounds, then Sniper arrives and balloons a single value into four digits.
3. Misreading Reset Plus: This symbol looks like a measly 1 ×, yet statistically adds more expected value than a 10 × chip because it gives you one extra life to land power symbols.

Play the free demo until you internalise the hierarchy, demo mode uses identical RNG, so patterns match the real-money ride.

Final thoughts on Money Train 2

Money Train 2 is unapologetically high-octane. If your gambling style mirrors a relaxed approach, steer toward other options that treat your balance with kinder mitts. If, on the other hand, you’re chasing moments worth sharing – screens full of multipliers and chat eruptions – then climb aboard.

Just remember the maths. Bring at least 150 spins of bankroll, use every reload or cashback promo at reputable brands, and respect the safer-gaming reminders instead of auto-clicking through. Run the numbers, know the risks, and if you still feel that familiar itch to chase the great gold train, Money Train 2 remains one of the most exhilarating rides on the Canadian iGaming rails.