What is an accumulator bet ?

Discover accumulator bets in football: how they work, calculate odds, betting options, and increase your chances of winning. Bet smarter today!


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What is an Accumulator Bet?

In simple terms, an accumulator bet is a single bet placed on four or more different events. To win, all of your selections have to be correct. For example, if you backed the top four English football teams – Liverpool, Manchester City, Chelsea, and Manchester United – to win their games, all four of them would have to win. If one team fails to win, you will lose your stake.

Fold Explained

You may often hear people referring to four-fold, five-fold, or ten-fold accumulators. The number preceding “fold” indicates the number of selections in your bet. A four-fold accumulator has four selections, while a ten-fold accumulator has ten selections. There is no limit to the number of selections you can include in an accumulator as long as they are different events.

Why are Accumulators Popular?

Accumulators are popular because of the potential for high returns. The excitement of winning a large sum of money from a small stake is appealing to many punters. However, it’s important to note that accumulators are challenging to win because if any of the selections is incorrect, the entire bet is lost. Bookmakers also favor accumulators because the chances of winning are lower when multiple selections are involved.

The Possibility of Winning Huge Sums

While winning huge sums varies from person to person, it is possible to win substantial amounts through accumulators. Some people have won jackpots worth millions, although such wins are rare. More commonly, punters can win hundreds or thousands of pounds from successful accumulator bets.

Examples of Accumulator Bets

Let’s consider an example using odds from Ladbrokes and the English Premier League. On the opening weekend, there are eight games to be contested:

  • Crystal Palace vs. Southampton – Draw
  • Fulham vs. Arsenal – Away win
  • Liverpool vs. Leeds – Home win
  • Tottenham vs. Everton – Home win
  • West Brom vs. Leicester – Away win
  • West Ham vs. Newcastle – Draw
  • Brighton vs. Chelsea – Away win
  • Sheffield United vs. Wolves – Draw

A £1 stake on these predictions can yield nearly £300. By adjusting the predictions or outcomes, the potential returns can vary significantly.

Smaller Accumulators

For those who find larger accumulators unrealistic, smaller accumulators can still provide exciting opportunities. Using the same group of fixtures but selecting only four matches, the potential returns from a £1 stake can be around £30. Adjusting the predictions further can increase or decrease the potential returns accordingly.

Calculating Accumulator Odds

The calculation of accumulator odds is based on multiplying the odds of each leg. For example, if the odds for each leg of a four-fold accumulator are as follows:

  • Crystal Palace vs. Southampton – Draw (2.9)
  • Tottenham vs. Everton – Home win (1.8)
  • West Brom vs. Leicester – Away win (1.85)
  • West Ham vs. Newcastle – Draw (3.1)

The calculation is: £1 * 2.9 * 1.8 * 1.85 * 3.1 = £29.93 (including the original £1 stake)

Exploring Different Betting Options

Accumulator bets are not limited to match outcomes. You can place accumulators on various markets, such as over/under goals or both teams to score. Additionally, you can spread an accumulator across different sports if desired.

Understanding Each Way Bets

Each way bets provide added protection but require a doubled stake. For example, if you bet £1 each way on Manchester City to win the Premier League, you are essentially betting on them to win or finish in the top two. The odds reduction for each way bets depends on the each way terms offered by the bookmaker.

Exceptional Circumstances and Acca Insurance

If a leg of your accumulator is canceled, that leg is ignored, and the bet proceeds as if the selection was never included. The number of legs determines whether your bet is still classified as an accumulator. Additionally, some bookmakers offer “acca insurance” that protects your stake if your bet loses due to one selection. Terms and conditions may vary, so it’s important to check the specifics.


Now that you have a comprehensive understanding of accumulator bets, you are better equipped for game day. Good luck and bet responsibly!

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