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What is an Acca Bet? (Accumulator Betting Explained)

Runners and riders at Bath racecourse.

Our guide to accumulator betting aims to provide everything you need to know about multiple bets. 

“What is an accumulator bet?” is a common question among sports betting beginners. To answer in its simplest form, an accumulator bet (also known as an acca bet) allows bettors to combine multiple selections into a single bet. 

In this article, we’ll cover the different types of accumulator bets, understand how to calculate winnings from an acca and provide different examples of acca bets throughout. We’ll note the sports that accumulator bets are popular for, provide tips for successful accas and walk you through a step-by-step guide to placing an acca bet. 

How Does an Accumulator Bet Work?

An accumulator bet allows bettors to combine multiple selections under a single wager. When combined, the odds of each selection are multiplied, allowing for bigger payouts.

However, the potential for increased payouts comes with an inherent risk. Each of the selections within the acca must settle as a win in order to receive a payout. If just one selection lets you down, the entire bet is lost. 

For example, in a simple accumulator consisting of five football matches with five “to win” bets, all five selected teams must win to receive a payout. 

Example: Five football matches are selected with odds of 2/1, 3/1, 4/1, 5/1 and 6/1. (Note: As decimals, this would be 3.0, 4.0, 5.0, 6.0 and 7.0. Simply multiply these together to find the return from a £1 bet.) 

If the first bet is settled as a win, the initial stake is carried onto the second bet, and so forth. A £1 stake with these odds would accumulate as such: 

  • Initial bet: £1 x 2/1 = £3 (£1 stake + £2 winnings)
  • Second bet: £3 x 3/1 = £12
  • Third bet: £12 x 4/1 = £60
  • Fourth bet: £60 x 5/1 = £360
  • Fifth bet: £360 x 6/1 = £2,520.00

In this scenario, a successful £1 accumulator bet on these five selections would return £2,520.00.

If we compare the same total stake against the potential winnings of single wagers, we can find the difference in potential winnings. Using the same stake across five separate wagers (£0.20 per selection), bettors should expect the following breakdown: 

  • First bet: £0.20 x 2/1 = £0.60 (£0.20 stake + £0.40 winnings)
  • Second bet: £0.20 x 3/1 = £0.80
  • Third bet: £0.20 x 4/1 = £1.00
  • Fourth bet: £0.20 x 5/1 = £1.20
  • Fifth bet: £0.20 x 6/1 = £1.40

In this scenario, five successful £0.20 wagers across these five selections would return just £5.

Creating another comparison and increasing the stake to £1.00 per selection, bettors should expect the following breakdown: 

  • First bet: £1.00 x 2/1 = £3 (£1 stake + £2 winnings)
  • Second bet: £1.00 x 3/1 = £4.00
  • Third bet: £1.00 x 4/1 = £5.00
  • Fourth bet: £1.00 x 5/1 = £6.00
  • Fifth bet: £1.00 x 6/1 = £7.00

In this scenario, five successful £1.00 wagers across these five selections would return £25.

Ultimately, the difference between a £1 accumulator and £1 for each single wager is almost £2,500, but you’re far less likely to return any winnings when placing these bets as a single accumulator. 

What Are the Different Types of Accumulator Betting?

Although they follow much of the same patterns, there is a long list of different types of accumulators available for bettors to choose from. 

In addition to the standard accumulators (Four-fold; Five-fold; Six-fold; Seven-fold; Eight-fold), bettors may find many other types of bets, which we’ve listed below. 

  • Double: A double consists of two selections combined into a single wager. To receive a return, both selections must settle as a win. This is the simplest acca available and offers the highest chance of a return. 
  • Treble: Similar to a double, a treble consists of three selections combined into a single wager. To receive a return, both selections must settle as a win. The chance of a return is lower than a double, but the payout is larger. 
  • Trixie: A Trixie consists of three selections but four bets – two doubles and one treble. A minimum of two selections must settle as a win for a return. 
  • Yankee: A Yankee consists of four selections but 11 bets – six Doubles, four Trebles, and one Four-fold acca. A minimum of two selections must settle as a win for a return. 
  • Patent: A patent consists of three selections but seven bets – three Singles, three Doubles, and one Treble. A minimum of just one selection must settle as a win for a return. 
  • Lucky 15: A Lucky 15 consists of four selections but, as the name suggests, 15 bets –  four Singles, six Doubles, four Trebles, and one Four-fold accumulator. A minimum of one selection must settle as a win for a return. 
  • Super Yankee (also known as Canadian): A Super Yankee consists of five selections and a huge 26 bets – ten Doubles, ten Trebles, five Four-fold accumulators, and one Five-fold accumulator. A minimum of two selections must settle as a win for a return. 
  • Heinz: A Heinz consists of six selections and a total of 57 bets – 15 Doubles, 20 Trebles, 15 Four-fold accumulators, six Five-fold accumulators and one Six-fold accumulator. A substantial stake is required for this bet type. 
  • Super Heinz: A Super Heinz consists of seven selections and a huge 120 bets – 21 Doubles, 35 Trebles, 35 Four-fold accumulators, 21 Five-fold accumulators, seven Six-fold accumulators and one Seven-fold accumulator. A substantial stake is required for this bet type. 
  • Goliath: A Goliath consists of eight selections and boasts an enormous 247 bets – 28 Doubles, 56 Trebles, 70 Four-fold accumulators, 56 Five-fold accumulators, 28 Six-fold accumulators, eight Seven-fold accumulators, and one Eight-fold accumulator. The largest stake of any accumulator is required for this bet type. 

The full range of accumulator bets available at your chosen bookmaker can be found in their betting rules documents. 

How Do You Calculate an Accumulator Bet Winning?

In an accumulator bet, the odds of each selection are multiplied to combine them into a single betslip. 

Therefore, to calculate an accumulator bet return, you must multiply the odds of each selection together before multiplying the stake. This is most easily achieved by either using decimal odds or by converting fractional (or American/Moneyline odds) into decimal odds. 

Example: An accumulator is created with three selections with odds of 2/1, 3/1 and 4/1.

  1. First, convert each of the fractional odds into decimal odds (3.0, 4.0 and 5.0). 
  2. Next, multiply the odds together (3.0 x 4.0 x 5.0 = 60.0).
  3. Finally, multiply the total by the stake. If we stake £5 on this accumulator (£5 x 60.0), we would expect a return (including the stake) of £300.

Example: An accumulator is created with five selections with odds of 2.0, 3.0, 4.0, 5.0 and 6.0.

  1. Multiply the odds together (2.0x 3.0 x 4.0 x 5.0 x 6.0 = 720.0).
  2. Finally, multiply the total by the stake. If we stake £0.20 on this accumulator (£0.20 x 720.0), we would expect a return (including the stake) of £144.

Accumulator Bet Examples

It can be helpful to illustrate the concept with an accumulator bet example. Below we have included both a winning and losing example of an accumulator bet. 

Winning Example

In this example, we are using a five-fold accumulator bet in which all five of the selections settle as a win. 

Match ResultSelectionOdds (Fractional)Bet Outcome
England WomenEngland Women11/10Win
FH HafnarfjordurFH Hafnarfjordur8/13Win
Keflavik IFKeflavik IF10/11Win
Portugal WomenPortugal Women1/8Win
DrawDraw19/10Win

A £0.50 wager at 20.13/1 would result in a potential return of £10.56. As all selections have settled as a win, the bettor would receive their winnings in full. 

Losing Example

In this example, we are using the same five-fold accumulator bet, this time with a different outcome in Match A. 

Match ResultSelectionOdds (Fractional)Bet Outcome
France WomenEngland Women11/10Loss
FH HafnarfjordurFH Hafnarfjordur8/13Win
Keflavik IFKeflavik IF10/11Win
Portugal WomenPortugal Women1/8Win
DrawDraw19/10Win

A £0.50 wager at 20.13/1 would result in a return of zero in this case, as one of the legs was unsuccessful. 

Each Way Winning Example

In this example, we’re looking at a horse racing acca and focusing on the Each Way selection available. 

What is a horse racing acca bet? It’s the same as a football acca bet, only this time we’re focused on the results of horse racing rather than football matches.  

Race ResultSelectionOdds (Fractional)Place Odds (Fractional)Bet Outcome
EmbestoEmbesto (EW)7/21/5 Win
Silky Wilkie Looking For Lynda (EW)6/11/5 Win 
City Of TroyCity Of Troy (EW)3/11/5 Win

In the above example, we have placed an EW Treble with selections on Embesto, Looking For Lynda and City Of Troy at Epsom. If all three selections win in their respective races, the return would be £33.00 from a £0.50 bet. 

Each Way Placed Example

The Each Way accumulator works much in the same way as a standard accumulator when all horses win or at least one doesn’t place. But what happens when a horse places in an acca?

Race ResultSelectionOdds (Fractional)Place Odds (Fractional)Bet Outcome
EmbestoEmbesto (EW)7/21/5 Win
Silky Wilkie Looking For Lynda (EW)6/11/5 Win (Placed)
City Of TroyCity Of Troy (EW)3/11/5 Win

In the above example, we have placed an EW Treble with selections on Embesto, Looking For Lynda and City Of Troy at Epsom. If Both Embesto and City of Troy Win but Looking For Lynda places third (inside the paid places) the return would be £1.50 from a £0.50 bet. 

In What Sports Can You Make an Accumulator Bet?

Accumulators can be used on a variety of sports, with almost all UK betting sites supporting the feature across various markets and competitions. Almost every sport will be covered at most bookies, but the most popular sports chosen for accumulators are: 

  • Football: Bettors frequently combine match results, total goals, number of corners, number of cards and both teams to score (BTTS) markets. 
  • Horse racing: Bettors frequently place both Win and Each Way accumulators. Yankee, Trixie and Lucky 15 accumulators are all popular.  
  • Tennis: Bettors frequently combine match winners, set scores, and total games.
  • Rugby: Bettors frequently combine match winners, point spreads, and total points.

Key Things You Need to Know About Accumulator Betting

We’ve answered the question of “What is an Acca?”, now it’s time to cover the key things you need to know in order to place an accumulator bet, such as learning about the risks and managing your bankroll. 

Understand the Risks

The risk associated with an accumulator is high. Every selection must settle as a win to earn any winnings from an accumulator. The probability of losing your stake is high and should be treated as such. Avoid careless or reckless accumulators with large stakes. 

Research Your Selections

All sports betting should require some level of research. Focus on the sports and events that you are most familiar with and enjoy your betting. The more historical data and team information that you can access, the better your analysis of the upcoming event. Use this data to create a betting strategy. 

Use Bonuses and Promotions

Acca insurance, acca boost, odds bonuses and free bets all benefit bettors using accumulators online. Look out for suitable bonuses and claim where possible to get the most out of your accumulator. 

Manage Your Bankroll

Bankroll management is one of the most important considerations in any type of gambling. Be sure to set a budget and bet within your limits. It’s important to only wager what you are prepared to lose. Use a disciplined approach and avoid placing sports bets when you’re feeling frustrated or inebriated.

How to Place an Accumulator Bet With a Bookmaker

To place an accumulator with your favourite bookmaker, simply follow the step-by-step guide below:

  1. Make your selections: Start by browsing the sports markets for potential accumulator options. 
  2. Add your selections to the betslip: Add your selections to the betslip, leaving the stake blank. 
  3. Choose the “Multiples/Accumualtor” option: Once all selections are added, choose the “Multiples/Accumualtor” option in the betslip. A range of options may be available, choose your preference. 
  4. Enter Your Stake: Input the amount that you wish to stake on the accumulator. 
  5. Place Your Bet: Hit the “Place Bet” option and keep track of the acca in the “My Bets” section. 

The majority of UK betting sites offer some form of accumulator betting. You can find some of the most popular bookmakers, their key acca features and the available sports in the table below. 

BookmakerKey Acca Feature(s)Sport(s)
bet365Bet Builder, Acca Boost, Edit Bed, Cash OutFootball, Tennis, Horse Racing, etc.
Paddy Power Power Prices, Acca Insurance, Cash OutFootball, Tennis, Horse Racing, etc.
BetfairAcca Edge, Price Rush, Cash Out Football, Tennis, Horse Racing, etc.
SkyBetPrice Boost, Acca Bonus, Request a BetFootball, Tennis, Horse Racing, etc.
888SportBet Builder, Acca Saver, Cash OutFootball, Tennis, Horse Racing, etc.

What Are the Advantages of Accumulator Bets?

Accumulators offer a wide range of benefits to sports bettors that improve the overall betting experience when compared with singles. 

High Return Potential

Arguably the biggest advantage of an accumulator is the potential for high returns from small wagers. Due to the multiplying nature of each selection, the potential return can increase rapidly.  

For example, a double (an acca with two selections) with odds of 4/1 and 2/1 offers a return of 11/1. A treble (an acca with three selections), including the same odds of 4/1, 2/1 and an additional 3/1 offers a much larger return of 47/1. 

More Flexible Betting 

Sports fans will find accumulators offer the most flexible betting options available from any bookmaker. Combine multiple sports, markets and selections to finetune a betting strategy and personalise every aspect of the bet. 

Additional Excitement

Accumulators can create excitement that’s hard to beat with other bet types, whether you’ve placed £0.20 on all seven races on the Saturday at Epsom or have a £0.50 week-long Super Heinz bubbling in the background.

Placing large wagers on accumulators is often a poor betting strategy. Always gamble responsibly and when the fun stops, stop. 

Promotional Benefits 

Accumulators are some of the most popular betting features available at UK bookmakers and are often subject to promotions.

Promos can range from “Acca Insurance” to “Free Accas”, “Acca Boosts” and so much more. Take a look at the “Promotions” tab the next time you log in – there may just be an active promo waiting for you.  

What Are the Disadvantages of Accumulator Bets?

Although they can be beneficial and offer a range of advantages, accumulators can be frustrating and there are several associated disadvantages. 

Low Win Probability

The more selections added to an accumulator, the less likely it is that all selections will settle as a win. 

Although accumulators may feel like great value for money, the chance of all selections settling as a win is as noted in the odds. The odds of a 7/2, 6/1 and 3/1 all settling as a win is mathematically the same as a single 125/1. Treat the size of your wager accordingly.

Confusing

Accumulator bets start simply, but can easily become confusing – especially when considering the larger bet types (Heinz, Goliath, etc.). For successful accumulators, especially those often highlighted by tipsters, a comprehensive understanding of the betting markets and sport of choice is often essential. 

Accumulator Bet Frequently Asked Questions

Have a question about accumulators? Check out our FAQ below where we aim to answer the most popular Acca queries. 

How many bets do you need for an accumulator?

A minimum of two selections are required to create an accumulator (known as a double). Most betting sites will allow for a maximum of 20 selections in a standard accumulator, but alternative accumulator bet types – such as a Goliath – will permit as many as 247 selections in a single wager.

Is it possible to cash out an accumulator bet?

Yes, most bookmakers will permit the option of a cash-out for accumulator bets. To cash out your acca, head over to the “My Bets” section to view the accumulator. Select “Cash Out” if available. 

Can you combine multiple sports in an acca bet?

Yes, most bookmakers will allow bettors to combine multiple sports in an accumulator bet. Simply add multiple selections to the betslip from the betting markets and choose the multiple options to place a multi-sport acca. 

What happens if a bet is void in an accumulator?

If a bet becomes void in an accumulator, most bookmakers will simply void the single affected selection(s). The accumulator will still stand, albeit with modified odds (void bet odds removed).