Want to win more on your football accumulators? Of course, you do. This article reveals which football betting sites award a bonus in addition to your winnings. Plus find out what sites refund your losing stakes when one selection lets you down.

When deciding where to place your football accumulator bet, there are four offers to look out for on betting sites :

  1. A Bonus When You Win – Depending on the number of selections you can get extra winnings
  2. Insurance When You Lose – You receive money back when you lose by one selection
  3. Loyalty Scheme Free Bets – Some bookmakers will give you a free bet every week when you wager a qualifying amount on football accumulators
  4. The Ability to Edit Your Acca – Two bookmakers enable you to change your acca in-play

A big decision for many punters is whether to pick insurance or a bonus, so let’s answer that first.

Acca Insurance vs Bonus – Which Is Better for Me?

This depends on the number of selections and the odds of your accumulator.

If your accumulator has 10+ selections and you’re close to winning, it is probable you will be much more interested in doubling your winnings rather than getting your £5 back if one selection doesn’t come in.

In contrast, if you’re only betting with four or five selections in your accumulator, and the collective odds are quite short, getting a 10% bonus on your acca might not interest you.

Therefore, when picking between the bonus and the insurance, we would recommend picking based on the size of the prize. If you don’t have many selections and the odds are short, then the bonus will not be significant. In this instance, it’s probably better to go with ‘acca’ insurance.

1) The Best for Accumulator Bonuses

bet365 is our recommended bookmaker for accumulator bonuses. They offer the largest bonus available, and it only requires a minimum of three selections.

It is paid as cash and doesn’t have any requirements for minimum odds.

If you have a bit more time, you can read in-depth about the bonus structures for each bookmaker.


  • New Customers – This offer is currently the best you can get when signing up

Euro Soccer Bonus

bet365’s fantastic Soccer Accumulator Offer Bonus includes the top domestic leagues in Europe along with the group and knockout stages of the Champions League. You can earn a bonus of up to 70% if you place accumulators on selected competitions including the Premier League, Serie A, Primera Liga, Bundesliga 1 and French Ligue 1, Champions League and Europa League. Place a pre-match accumulator with bet365 of 3 or more selections on the standard Full Time Result, Both Teams to Score or Result/Both Teams To Score markets combining teams in any of these competitions and, if successful, the relevant bonus will be added to your returns.

The bonus will not apply where a stake has been fully Cashed Out. Where a stake has been partially Cashed Out, the bonus will be calculated based on the remaining active stake. Where all selections within the bet have been marked as won and this has been Cashed Out for the full return value, the bonus will apply and the maximum bonus that you can receive is £100,000 or currency equivalent. If a qualifying bet is edited using the Edit Bet feature, the bonus will be calculated based on the new stake. Where a bet has been edited to include or amend a selection for an event that is In-Play, the bonus will no longer apply.

Bets placed with Bet Credits, Double Chance bets or combination bets with bonuses such as Lucky 15’s or Lucky 31’s do not apply for this offer.

T&Cs apply. Only available to new and eligible customers.


  • MansionBet Acca Bonus – 5+ selections up to 60% bonus
  • New Customers – This offer is currently the best you can get when signing up

After bet365, MansionBet has the strongest bonus structure available. Each selection must have odds of 1.20 and the overall accumulator must have minimum odds of 4.00. Winnings are paid as cash, and the maximum winnings is the same as bet365, at £10,000.

5 selections10% bonus
6 selections10% bonus
7 selections15% bonus
8 selections20% bonus
9 selections25% bonus
10 selections30% bonus
11 selections35% bonus
12 selections40% bonus
13 selections45% bonus
14 selections50% bonus
15+ selections60% bonus

10Bet 145 45 px

  • 10Bet Acca Bonus – 3+ selections up to 50% bonus
  • New Customers – This offer is currently the best you can get when signing up

10Bet tweaked their accumulator bonus in 2019. It’s not as good as it previously was, but it’s still decent. Each selection must have odds of 1.20 and the bonus is paid as cash, up to £5,000.

10 BetBonus
3 selections2% bonus
4 selections4% bonus
5 selections5% bonus
6 selections10% bonus
7 selections10% bonus
8 selections15% bonus
9 selections20% bonus
10 selections20% bonus
11 selections25% bonus
12 selections30% bonus
13 selections35% bonus
14 selections40% bonus
15 selections45% bonus
16 selections50% bonus

Coral 145 45 px

  • Coral Acca Bonus – 10% bonus on 4+ selections
  • New Customers – This offer is currently the best you can get when signing up

Coral have a relatively straightforward bonus on their accumulators. You can get a 10% bonus on your winnings, as a free bet, up to £100.

There is a minimum stake of £2, with each selection having odds of at least 1.10 and cumulative odds of 2.50  for the accumulator. You will receive your free bet before 12 pm the following day.

William Hill 145 45 px

  • William Hill Acca Bonus – Bet boost on 3+ selections
  • New Customers – This offer is currently the best you can get when signing up

Place a football accumulator with 3+ selections with William Hill, and once a day they will apply a boost to your bet.

The boost will vary according to the number of selections in your bet, but will likely mirror the scales offered by other bookmakers. Because there is not a clear structure for the boosts, it can be difficult to compare it to other bookmakers. A maximum stake of £20 applies.

2) The Best for Accumulator Insurance

The amount of bookmakers offering insurance for over the past couple of seasons is fewer than last year. Bookmakers such as William Hill and Ladbrokes have withdrawn their acca insurance offers.

This leaves Paddy Power with the best acca insurance offer.

Betfair provides an alternative. Their ‘Acca Edge’ product pay refunds as cash, rather than free bets, which makes them a very good option. It’s favourable to receive money back as cash, as you have the choice to bet or withdraw it.


  • Paddy Power Acca Insurance – 4+ selections & up to £10 refund
  • New customers – This offer is currently the best you can get when signing up

Paddy Power has relaunched its acca insurance. Only four selections are required (versus five last year) but the amount that can be refunded is £10 (versus £50 last year). Each selection needs to be priced at 5/1 or greater. This is available once per day, per customer. It can also be used for a ‘same game multi’ bet.

Betfair Logo

  • Betfair Acca Insurance – 3+ selections & refund paid as cash
  • New customers – This offer is currently the best you can get when signing up

Betfair has a very different acca insurance product versus all the other bookmakers with.

Betfair will refund you with cash. All you need is 3+ selections, and on the betting slip, an option will appear for ‘Acca Edge’. Once you tick it, Betfair will give you a price for your accumulator with the enhancement of insurance. The one drawback is that the odds will reduce slightly. This depends on the number of selections and odds, but if you’d rather have your refund as cash then Betfair is a great option.


  • Betfred Acca Insurance – 5+ selections & up to £10 refund
  • New customers – This offer is currently the best you can get when signing up

Available for almost all football leagues, Betfred offer insurance on accas with at least five selections.

Each individual selection must be priced at at 1/3 and there is a maximum refund of £10 up for grabs.

- 2020

  • Boylesports Acca Insurance – 5+ selections & up to £20 refund
  • New customers – This offer is currently the best you can get when signing up

Available for prematch and in-play football accumulators, Boylesports will give money back as a free bet when your 5+ selection accumulator loses with one selection.

You can get up to a £20 refund, and this is great in conjunction with the Boylesports acca loyalty offer outlined later on.


  • Bet Victor Acca Insurance  – 5+ selections & up to £10 refund
  • New customers – This offer is currently the best you can get when signing up

Next up we have the Bet Victor acca insurance. While it also needs a minimum of five selection, the requirement for odds is a little different. Rather than each individual selection needing to have certain odds, with Bet Victor, it’s just the total accumulator needs to have cumulative odds of 5.00. The maximum refund you can earn is £10.

3) The Best Football Accumulator Loyalty Schemes

We have an entire article dedicated to the best loyalty bonuses for existing customers, but we will give you a summary here.

In terms of bang for your buck, Coral and Betway are worth considering.

  • Coral – Bet £25 during the week and get a £5 free bet
  • Betway – Bet £25 or more on football accumulators each week and get two £5 free bets
  • Paddy Power – A £10 free bet plus a free power-up each week when you bet £10 five times
  • Boylesports – Bet 5 x £5 accumulators and get a free £5 accumulator bet

Bear in mind is that there are some great bonus and insurance offers listed in this article, but they do require cash to be used to eligible. So should you be awarded a free bet on one of these loyalty schemes, be mindful of this.

4) The Best for Editing Your Accumulator In-Play

What’s better than insurance? How about swapping out all of your losing selections in your football accumulator?

Two bookmakers offer this capability;  Ladbrokes and bet365.

Ladbrokes Logo

  • Ladbrokes ‘Edit My Acca’ – Available on all devices
  • New customers – This offer is currently the best you can get when signing up

Similar to insurance, if there is a losing selection in your accumulator, Ladbrokes allows you to remove it from the bet. Now, of course, this is not as good as it sounds otherwise you would win every weekend, and Ladbrokes would have to cease trading.  Essentially when you remove one of the selections, your old bet is replaced with a new bet and the new selections. The odds of your accumulator will therefore change.


  • bet365 ‘Edit Bet’ – Available on all devices

Once you’ve placed your accumulator bet, ‘Edit bet’ is available when cash out is still available on your bet and allows you to add or remove selections that have not yet been settled. It works the same as the Ladbrokes offer, in that the bet is replaced with new odds based on your new selection.

In Summary

We reckon bet365 is the best betting site for football accumulators at the present moment in time.

When we place our football accumulator, we prefer to bet with longer odds and quite a few selections. Therefore, we’re less concerned about getting £2 or £5 back on a losing stake, and more interested in getting even bigger winnings. Because bet365 have the best bonus currently, we recommend for football accumulators.