Want to get better payouts 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 losing stakes when one selection lets you down. If you’re looking to learn more on how they work, check out our page on ‘What is an Accumulator?‘.

Best Bookies for Accumulator Bonuses


bet365 is our recommended bookmaker for accumulator bonuses. It offers one of the largest bonuses available, and it only requires a minimum of three selections. Furthermore, it’s paid as cash and doesn’t have any requirements for minimum odds.

Up to 70% bonus for accumulators on selected leagues
Applies to pre-match accumulators of 3+ selections on the standard Full Time Result, Both Teams to Score or Result/Both Teams To Score markets only. Bonus percentage is dependent on number of selections. Bonus capped at £100k and applied to returns. Bet restrictions and T&Cs apply. New and eligible customers only. Full T&Cs
The bet365 Soccer Accumulator Bonus is available for these competitions:
  • English Premier League
  • English Championship
  • English League 1 and 2
  • English FA Cup (First Round onwards)
  • English EFL Cup
  • Scottish Premiership
  • Spanish Primera Liga
  • German Bundesliga I
  • Italian Serie A
  • French Ligue 1
  • UEFA Champions League (from Group Stage onwards)
  • UEFA Europa League (from Group Stage onwards)

William Hill

William Hill‘s Acca Freedom lets you bet your acca in your own way. Whether you decide to boost the odds of trebles and above to win more, or insure your bet against one bad result from five or more selections to get your money back as a free bet of up to £20.

Acca Freedom - Boost or insure? It’s your Acca, play it your way
This promotion is only available on williamhill.com and through the app. The promotion runs from 00:00:00 (UK time) on Friday 28th August 2020 until otherwise stated. Eligibility rules, location, market and currency restrictions and terms and conditions apply. Full T&Cs
How it works:

1. Add 3 or more qualifying selections to your betting slip to trigger your Bet Boost in rewards.

2. Add 5 or more qualifying selections to trigger your acca insurance in rewards.

3. Click on ‘Rewards available to apply’.

4. Choose either ‘Boost’ or ‘Insurance’.

  • Boost – Select to boost the price of your acca of 3 or more selections, up to £20. Please note, If you use the bet boost for an each-way bet, the bet boost will only apply to the ‘win’ part of the bet.
  • Insurance – Select to insure your acca of 5 or more selections (each selection 1/5 (1.2) or bigger) so if just one selection loses, we’ll refund your stake as a free bet up to £20.

5. Add your stake and place your bet.

Insurance cannot be claimed on bets including any handicap, total points or enhanced markets (including flash odds, enhanced odds, super odds).


The NetBet acca bonus allows players to get a refund as a free bet up to £10 when 1 game lets you down on 5 folds or more.

Minimum odds per selection 1/5 or more. Free Bets will match the customers stake. Customers can receive a maximum of one Free Bet of up to £10 per week during the promotional period. Bets only on Football will count. Only 5 Folds or more will apply. Only selected league qualify. Please note system bets will not be considered as a qualifying bet. Full T&Cs
How it works:
  1. Sign into your NetBet account
  2. Bet up to £10 5 Fold or more or Football with min odds 1/5 per selection.
  3. Get a Free Bet if 1 team lets you down up to £10. Once per week.

Types of Accumulator Offer

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

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

A big decision for many punters is whether to pick an accumulator insurance offer or an extra win bonus, so let’s look at that first.

The Best for Accumulator Insurance

The number of bookmakers offering insurance over the past couple of seasons has definitely decreased. Bookmakers such as William Hill and Ladbrokes have withdrawn their acca insurance offers. This leaves Paddy Power with one of the best acca insurance offers.

Paddy Power

  • Paddy Power Acca Insurance – 4+ selections and up to £10 refunded as a free bet
  • New customers – The offer below is currently the best you can get when signing up

Paddy Power has relaunched its acca insurance. Only four selections are required (against five last year), but the amount that can be refunded is £10 (against £50 last year). Each selection needs to be priced at 1.20 (1/5) or greater. This is available once per day, per customer. It can also be used for a ‘same game multi’ bet.

  1. Money Back in Cash up to £20

    • Horse Racing Specialist
    • User-friendly website and app

    Money Back in Cash up to £20

    New customers only. Place your FIRST bet on any Football market and if it loses we will refund your stake in CASH. Max refund for this offer is £20. Only deposits made using cards will qualify for this promotion. T&Cs apply. Full T&Cs
    • Horse Racing Specialist
    • User-friendly website and app
    Review Claim Offer


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


  • Boylesports Acca Insurance – 5+ selections and up to £20 refunded as a free bet
  • New customers – The offer below is one of the best you can get when signing up

Available for pre-match and in-play football accumulators, Boylesports will give stake 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 £10 Get £30
New UK customers (Excluding NI) only. Mobile exclusive. Min stake £10. Min odds Evs. Free bet applied on 1st settlement of any qualifying bet. 30 days to qualify. Free bets expire in 7 days. Cashed out/Free Bets won’t apply. Payment method restrictions. 1 Free Bet offer per customer, household & IP Address only. 18+. T&Cs apply. **18+. UK/IRE customers only. Mobile only. First single bet only. Max stake £/€10. Available from 8am 21/10/21 until 4:30pm 24/10/21 or until customers first bet is placed. Customers can place one bet on the Man Utd v Liverpool Special only. One bet per customer, household and IP address only. T&Cs apply Full T&Cs

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 ‘Edit My Acca’ – Available on all devices
  • New customers – The offer below 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.

18+ New UK+IRE customers only. Paypal and certain deposit types and bet types excluded. Min £5 bet within 14 days of account reg at min odds1/2=4x£5 free bets. Free bets valid for 7 days on sports stake not returned, restrictions apply. T&C apply, begambleaware.org. Full T&Cs


  • 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.

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, you will probably be much more interested in doubling your winnings rather than getting your £5 back if one selection doesn’t come in.

On the other hand, 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 choosing 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 as be significant. In this instance, it’s probably better to go with ‘acca’ insurance.

In Summary

In our opinion, 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 with 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 them for football accumulators.

More reading