Money Cart 2 slot review

Money Cart 2 slot at a glance

Money Cart 2 comes from Relax Gaming, the studio behind the Money Train games, and it takes the respin round that made that series popular and puts it at the centre of the game. You play on five reels and four rows. The headline number is the RTP: the developer’s top setting is 98.00%, which is well above the 96% or so that most modern video slots sit around.

That high RTP comes with a catch. The game is rated high volatility, so returns arrive unevenly, with long stretches of small or no wins and most of the value packed into the bonus round. It is a slot for players who accept that a £20 budget can disappear before anything exciting happens. If you would rather see frequent small wins, browse our low volatility slots instead.

We only publish specifications we can verify. The maximum win, the number of paylines and the bet range are not listed here because our checked data does not confirm them, so open the paytable in the game before you play.

Money Cart 2 RTP: why 98.00% may not be your number

Return to player is the share of all money staked that a game pays back over millions of spins. A 98% RTP means a 2% house edge: for every £100 put through the reels, the long-run average loss is £2. Slots with a top RTP this high are rare, which is why Money Cart 2 turns up on lists of high RTP slots.

Relax Gaming, like most studios, supplies the game in more than one RTP version, and each casino chooses which one to run. Our checked data records that lower versions of Money Cart 2 exist, but we do not have verified figures for them, so we won’t guess. The practical point is simple: the game’s information or help screen at your casino shows the RTP that applies there. Gambling Commission rules require casinos to make that information available, and we explain the background in why some slots have different RTPs at different casinos.

The 96% and 94% rows are worked illustrations, not confirmed Money Cart 2 settings. They show why a few percentage points matter: at the same stake and speed, a 94% version would cost three times as much on average as the 98% version. That doubles the reason to check the help screen first.

How the Money Cart 2 slot plays

The grid is five reels by four rows, which gives 20 symbol positions at a time. Everything in the game points towards the respin bonus, and Relax built the title so that the bonus round, rather than ordinary line wins, carries the excitement and most of the return. The exact way the bonus is triggered, and what happens on the reels between bonus rounds, is set out in the game’s rules; read them, because they decide how fast a budget is spent while you wait.

Because Money Cart 2 is a high-volatility game, the base game tends to feel quiet. That is normal for this kind of design and says nothing about whether a bonus is close. Every spin is independent and decided by a certified random number generator, so a long run without the feature does not make one more likely. For more on this, see how slots work.

How the features work in Money Cart 2

The main feature is a respin bonus round. Instead of spinning reels in the normal way, the round works on a grid of positions that fill up with value-carrying symbols as respins are played. Reviews such as the casinos.com Money Cart 2 guide (opens in a new tab) and gambling.com’s Money Cart 2 page (opens in a new tab) describe the same three kinds of special symbol doing the work:

• Collector symbols gather values from other symbols on the grid and add them to their own total, so a collector landing late in the round can sweep up a lot of what has already appeared.
• Persistent symbols keep acting on every later respin once they land, instead of firing once. A persistent collector, for example, keeps gathering on each respin that follows, which is why landing one early is so valuable.
• Multiplier symbols multiply values, raising the prize that other symbols carry or collect.

The interaction between these three types is where the big outcomes come from: a persistent symbol that keeps working, combined with multipliers and collectors, can build totals far faster than a single symbol could. It is also why the round is so volatile. Some bonus rounds end with modest totals, and only a minority grow large.

Our checked data does not confirm the number of respins the round starts with, how resets work, or the exact multiplier values, so we don’t state them. Open the paytable before you play to see the full list of special symbols and their rules. If you want to compare the mechanic with the original, the Money Train review describes the first Money Cart bonus, and our explainer on hold and win slots covers the wider family of respin-and-collect games.

Money Cart 2 odds and costs: a £20 budget at UK stakes

RTP tells you the average cost; volatility tells you how wildly real sessions swing around that average. The table below uses the 98.00% top RTP and shows what £20 buys at three common stakes. The average cost is simply stake × number of spins × 2%.

Look at the middle column: putting £20 through the game once costs about 40p on average whatever the stake, because the percentage is the same. What changes is speed and swing. At 10p you get 200 spins and more chances to reach the bonus round; at £1 you get 20, and with a high-volatility game it is quite possible to lose the whole £20 without seeing the feature at all.

Averages only describe the very long run. A single session can finish far below or, less often, above the figures in the table, and nothing about a high RTP stops a budget running out. For a practical walk-through, see how long £20 lasts on a slot, and read up on slot volatility if the swings come as a surprise.

Money Cart 2 max win and what to expect

We don’t print a maximum win for Money Cart 2 because our checked data does not confirm one. The game’s help screen states the cap that applies, and you should read it before playing: a stated maximum win is a ceiling written into the rules, not a likely outcome. The explainer on what a slot’s max win means explains how caps and multiples of stake work.

What we can say is how a cap scales. A maximum quoted as a multiple of stake grows in proportion to the bet, so a cap of, say, 1,000x would be £100 at 10p and £1,000 at £1. That arithmetic is the same for any game; the rare top results in a high-volatility game are exactly that, rare.

How to play Money Cart 2 online in the UK

1. Sign in to a UKGC-licensed casino; your age and identity must be verified before you can deposit or play, including in demo mode.
2. Set a deposit limit when prompted before your first deposit, and decide your session budget in pounds.
3. Search the casino’s game lobby for Money Cart 2 and open it.
4. Open the help or information screen and check the RTP, bet range and maximum win shown at that casino.
5. Choose a stake that fits your budget and the UK limit for your age: £5 a spin at 25 and over, £2 at 18 to 24.
6. Spin manually; autoplay is not available on UK slots, and each spin takes at least 2.5 seconds.
7. Watch the net position and time display, and stop when your budget or time limit is reached.

UK rules that shape Money Cart 2

British players get a slightly different version of many modern slots because of Gambling Commission rules. The slot stake limits cap online slot stakes at £5 a spin for players aged 25 and over (from 9 April 2025) and £2 for 18 to 24-year-olds (from 21 May 2025); the Commission’s online slots stake limit guidance (opens in a new tab) sets out how operators apply them.

The game design rules in force since 31 October 2021 mean no autoplay, no turbo or slam-stop, at least 2.5 seconds per spin, and no celebrating a return that is lower than your stake. Since 17 January 2025 you also see your net spend and time played in real time, and you cannot play several games at once.

Many Relax games offer a bonus-buy option in other markets. Since a Gambling Commission warning in January 2020, feature buy-ins are not offered to British players, so in the UK you reach the respin round only by playing. Our page on feature buy rules has the detail.

Slots like Money Cart 2

If the collector-and-persistent respin round appeals, the rest of the Money Train series uses the same idea in different ways. Here is how the related Relax games compare on the figures we have verified.

Read the full reviews of Money Train 2, Money Train 3 and Money Train 4. The later games trade a lower RTP for much higher stated caps, which is a typical volatility trade-off. For other studios’ takes on collect mechanics, try our slot reviews hub.

Money Cart 2 pros and cons

Where to play Money Cart 2 in the UK

Our partner offers are general slot offers, and none of them names Money Cart 2, so check each casino’s game lobby to see whether it carries the game and which RTP version it runs. All offers are for new customers aged 18 and over, and full terms apply.

• PlayOJO: 80 free spins on Big Bass Bonanza after a first deposit of £10 or more, worth 10p each, with winnings paid in cash and no wagering. New UK customers only, excluding Northern Ireland; it can’t be combined with other offers.
• Coral: deposit and bet £10 or more on slots to get 100 free spins on selected games at 10p each; accept them within 48 hours and use them within 7 days, with no wagering on winnings. Runs 1 October 2026 to 1 February 2027; Neteller, PayPal, Paysafe, Skrill, prepaid cards and certain debit cards don’t qualify.
• Ladbrokes: deposit and spend £10 or more on slots to get 50 free spins a day for 10 days, up to 500 in total, at 10p each on selected games; claim each day before 23:59 and use within 7 days, no wagering. Deposits by prepaid card, PayPal, Paysafe, Neteller, Skrill or Moneybookers don’t qualify.

Coral and Ladbrokes are both run by LC International Limited, so you may not be able to open new accounts at both. Free spins are a way to try slots at the casino’s cost, not a way to make money; the house edge still applies to every paid spin.

18+. Every casino game has a built-in house edge, so over time you should expect to lose what you stake. Set a budget before you play and stop when it’s gone: safer gambling tools and support. Free, confidential help: National Gambling Helpline 0808 8020 133.