173 million spins on money train 2: most casinos run the lower-RTP version, and it busted 83% of $0.50/$100 sessions
exp · 048 · 2026-06-27 · simulation-based
Run it yourself in the live simulator. All figures are simulation-based observations, not predictions. See our methodology.
what we measured
| parameter | value |
|---|---|
| provider / engine | Relax Gaming · Money Cart respin bonus (persistent symbols) |
| configs simulated | 96.40% (provider default) · 94.00% (the version 29 of 43 scanned casinos run) |
| published rtp ladder | 96.40% / 94.00%, a verified 2.40pp spread the casino selects |
| volatility | high (5/5) |
| stakes | $0.20 / $0.50 / $1.00 per spin |
| bankrolls | $50 / $100 / $200 |
| sessions | 10,000 per stake/bankroll cell, 90,000 per version |
| spin cap | 2,000 spins per session |
| max win | 50,000x stake (a Money Cart event) |
model inputs worth flagging: the RTP ladder (96.40/94.00) is verified with live operator evidence (FindMyRTP's 43-casino scan), and the 50,000x max and 100x bonus buy (98% buy RTP, UK-disabled) are sourced. but Relax does not publish the Money Cart trigger frequency, so we modelled it (about one bonus every ~180 spins), a documented assumption, not a sourced figure; the hit frequency (19.55%) comes from a single source. the bonus payout distribution and the base-versus-feature RTP split are model assumptions calibrated to the published RTP and the 50,000x cap. the cross-version comparison below holds all of those inputs constant, so it is robust; absolute bonus-wait and bonus-value figures are estimates.
how long bankrolls survived
the stake sets the clock. at the $100 bankroll the default-version median ran 484 spins at $0.50. money train 2 is a low-base, bonus-driven game, the base reels pay little and the entire point is reaching the Money Cart, so bankrolls drain steadily between bonus triggers.
bust rates
bust rates within the 2,000-spin cap, 96.40% default version, 95% confidence intervals:
| $50 bankroll | $100 | $200 | |
|---|---|---|---|
| $0.20/spin | 75.2% ±0.8 | 48.0% ±1.0 | 8.1% ±0.5 |
| $0.50/spin | 90.4% ±0.6 | 80.3% ±0.8 | 60.1% ±1.0 |
| $1.00/spin | 95.5% ±0.4 | 90.6% ±0.6 | 79.8% ±0.8 |
plain reading: hold the bankroll at $100 and move the stake from $0.20 to $0.50, and the bust rate jumps from 48.0% to 80.3%, the biggest lever in the grid. the only comfortable cell is $0.20 against $200 (8.1%).
the bonus wait, and what it pays
on our modelled trigger rate (about 1 in 180 spins, an assumption, not published), the Money Cart bonus is where essentially all of the return lives: our calibration routes about 72% of total RTP through the feature, leaving the base game returning only the rest. the payout side (model-based estimates): the average bonus paid 125x stake but the median was just 68x, and 39% of bonuses paid under 50x. that is the signature of a feature with a 50,000x ceiling, a handful of runaway carts drag the average far above what a typical bonus actually pays. a $100 bankroll at $0.50 buys roughly enough spins to expect a couple of triggers; the sessions that busted are the ones whose carts came late or paid small.
what a finished session looks like
the final-bankroll distribution at $0.50/$100 has almost no middle. eight sessions in ten ended with $0.50 or less of the original $100, busted, in effect, with the median finish near $0.44. then it leaps: the 90th percentile kept $347. money train 2 sessions overwhelmingly either die or run hot on a big cart; the steady middle outcome barely exists.
the rtp version lottery
this is the study's reason to exist. money train 2 is published at 96.40%, but it also exists at 94.00%, and FindMyRTP's scan of 43 casinos found 29 running the 94.00% version against only 14 on 96.40%. most players are on the lower one. we ran the full grid at both; same model, same inputs, only the RTP changed:
| cell | 96.40% default | 94.00% (29 of 43 casinos) | delta |
|---|---|---|---|
| $0.20/$100 bust | 48.0% ±1.0 | 52.1% ±1.0 | +4.0pp |
| $0.50/$100 bust | 80.3% ±0.8 | 83.2% ±0.7 | +2.8pp |
| $0.50/$200 bust | 60.1% ±1.0 | 62.6% ±0.9 | +2.5pp |
| $1.00/$200 bust | 79.8% ±0.8 | 82.4% ±0.7 | +2.5pp |
the 94.00% version raised the bust rate in every cell measured. same game, same Money Cart, same animations, the only difference is the 2.40 points of RTP the operator chose to run, and most of them chose the lower one. the version is the single variable a player can actually pick, so play it where the published RTP is highest. our casino hub ranks operators by exactly that.
methodology note
we simulate models calibrated to published math, RTP, hit frequency, volatility profile, bonus behaviour, not the provider's game engine. results are sample-based observations from 172,554,307 simulated spins (180,000 sessions across two RTP versions), with 95% confidence intervals shown. the Money Cart trigger frequency is not published and was modelled (~1 in 180) as a documented assumption; hit frequency is from a single source; the bonus payout distribution and base-versus-feature split are modelled. the base-game ceiling (100x) is a reasoned estimate; the 50,000x max is a Money Cart event. casino-by-casino RTP figures are from FindMyRTP's scan on the date cited, not statements about any operator's current configuration. model validation: money-train-2 v1, analytic calibration exact at 96.40% and 94.00%, 10M-spin checks within tolerance. slots are negative-expectation games; nothing here predicts outcomes or improves odds. corrections policy: methodology.html.
Where the max win actually comes from
72% of this game's RTP is locked inside the bonus you rarely trigger; the base game on its own returns just 27%.
A normal spin in our simulation never returned more than ~100x (€50). The 50,000x top win is a feature event, it only came out of the bonus. (base-game ceiling: model estimate)
Play the Money Train 2 demo, or stress-test it
Looking for the Money Train 2 demo or free play? A demo shows you a handful of spins. Our free simulator runs Money Train 2 across thousands of sessions and shows what actually happens to a bankroll over time: the bust rate, how long the money lasts, and the wait for the bonus. It is the demo with the math switched on.
stress-test Money Train 2 free
FAQ
Is there a Money Train 2 demo or free play?
Yes. You can play Money Train 2 in demo mode at most casinos, and you can stress-test it free in our simulator, which runs thousands of sessions and reports the bust rate and session length, the demo with the math switched on.