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Lucky 31 Bet explained: How does it work & how to work out your winnings

The Lucky 31 bet is a popular type of wager, especially among veteran punters and those who have a lot of experience with online betting. However, we try to make it accessible to beginners and explain how a Lucky 31 football bet works.

This combination of fivefold, ten doubles, single bets, and doubles can be a bit intimidating for beginners, so we each of all the winning selections of Lucky 31.

Keep reading to learn about the meaning of Lucky 31, the payouts, how it is different from a Canadian bet and useful tips you should consider before placing a Lucky 31 bet.

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What is a Lucky 31 bet? 💬

The Lucky 31 accumulator as some people refer to it, is a system bet consisting of of 31 bets that have the same value. You will have the following betting slip, covering five distinct events.

You need to have at least one winning selection to get a payout, but this won’t offset the old original stake at Lucky 31. The main reason behind using this wager is to have more winning opportunities, as the Lucky 31 odds are appealing to risk-averse punters.

Lucky 31 bookmakers will frequently offer this wager on UK horse racing betting events, but it can be used for other types of sports betting.

How to work out Lucky31 bet winnings? 👩🏻‍💻

With so many selections available, it can be difficult to determine if Lucky 31 is a good bet. To help you in this quest and decide if the first bet you make on this market is worthwhile, you can use a Lucky 31 bet calculator. This will factor in the number of bets and deliver a potential payout in an easy-to-understand manner. There are also a couple of things you can do to clarify things even further.

How to calculate

  • Do yourself a favor and convert the fractional odds into decimals, manually or by switching on the bookmaker’s page.
  • If you want to play with £1 bets, a Lucky 31’s total cost will be £31. Whatever your chosen stake is, you have to multiply it by 31.
  • You only need one winning selection to have a winning Lucky 31 bet. If two selections win you will have 2 winning single bets and one winning double bet. And so on for the rest of the selections.
  • If all five selections are winners, then 31 multi bets will be paid and you will make the most of the Lucky 31 bet.
  • Remember that you cannot bet on multiple outcomes on the same event.

Here is an example of a Lucky 31 bet:

Lucky 31 bet example

Placing a Lucky31 bet step-by-step 📝

Beginners who have just learned how to bet on horses might be intimidated by the prospect of placing a Lucky 31 online bet. This should not be the case because this wager is just as easy to master as the super Yankee or other betting systems involving horse racing events. To help you navigate the waters, we have assembled this step-by-step list with 7 stages:

Step 1
Select a licensed and regulated bookmaker that offers this betting system
Step 2
Choose the horses to bet on by analyzing form, recent results, and the odds
Step 3
Check out expert picks from seasoned horse racing punters
Step 4
Set the odds from fractional to decimal, to have a better idea of potential winnings
Step 5
Select the stake that applies to individual markets, based on your budget
Step 6
Use a Lucky 31 bet calculator or enter the stakes on the site to estimate profits
Step 7
Place the bet and wait for the five selections to be settled to get your winnings

Each-way Lucky 31 bet explained 👩‍🏫

Once you have the Lucky 31 explained, you can stick to it or diversify your betting patterns even further. For example, you might want to try the each way version of the bet or move a step further and try the Lucky 63 bet. With the right sign up bonus or other sports betting bonuses and special offers, you can offset the house edge and make each-way bets more lucrative.

  • The Each-way Lucky 31 version is the most natural expansion, as you simply double the stake of the standard wager. This means that you can win more if you make the right predictions, but your financial exposure will also be greater.
  • An each-way Lucky 31 is perfect for horse racing events, which were at the cornerstone of this type of bet.
  • You will win if any horse places, instead of having them win the race, so the odds of winning are much better.
  • The best Lucky 31 bet bookmakers will usually offer odds of 1/5 on each way bets on horses, so the potential payouts are diminished.

The difference between a Lucky31 and a Canadian bet ⚖️

Experienced punters would want to learn more about the Lucky 31 vs Canadian wagers. Those who enjoy spread betting and placing a patent bet will naturally consider both. The advantage of the Lucky 31 bet is that it offers full coverage, including the singles. By comparison, the Canadian version consists of only 26 wagers, without the five single bets, so you have fewer winning combinations.

Using handicap betting to create combination bets and cover bets will give you more flexibility. It will help you master how to place a bet online and use complex systems while knowing exactly how high the potential payouts can get.

Lucky 31 Bet

Canadian Bet

Number of selections
Lucky 31 Bet
Canadian Bet
Number of Bets
Lucky 31 Bet
Canadian Bet
Bet Structure
Lucky 31 Bet
5 Singles: 1, 2, 3, 4, 5
10 Doubles: 1+2, 1+3, 1+4, 1+5, 2+3, 2+4, 2+5, 3+4, 3+5, 4+5
10 Trebles: 1+2+3, 1+2+4, 1+2+5, 1+3+4, 1+3+5, 1+4+5, 2+3+4, 2+3+5, 2+4+5, 3+4+5
5 Four-folds: 1+2+3+4, 1+2+3+5, 1+2+4+5, 1+3+4+5, 2+3+4+5
1 Five-fold: 1+2+3+4+5
Canadian Bet
10 Doubles: 1+2, 1+3, 1+4, 1+5, 2+3, 2+4, 2+5, 3+4, 3+5, 4+5
10 Trebles: 1+2+3, 1+2+4, 1+2+5, 1+3+4, 1+3+5, 1+4+5, 2+3+4, 2+3+5, 2+4+5, 3+4+5
5 Four-folds: 1+2+3+4, 1+2+3+5, 1+2+4+5, 1+3+4+5, 2+3+4+5
1 Five-fold: 1+2+3+4+5
Winning Return
Lucky 31 Bet
At least 1 selection must win
Canadian Bet
At least 2 selections must win

Lucky31 bet for beginners: Tips on how to win this bet 💡

Research goes a long way and before you place the first Lucky 31 bet you should find the best betting sites offering it. Choose a licensed and regulated website, so you can be certain that the Lucky 31 bonuses as well as any other free spins, matched and no deposit bonus offers will be paid. Then proceed with betting but keep these basic tips in mind to be successful in your quest:


👉 Choose sensible stakes – don’t bet more than you can afford to lose and exercise bankroll management because you will be placing 31 bets. Important to keep the stakes low because if you only will a single or double wager, you will not offset your losses.

👉 Mix favorites and underdogs – don’t go for the biggest odds or the lowest once for all the selections. Whether you want to play it safe or maximize your profits, you need to create a balanced betting slip, to have a decent chance of offsetting the costs.

👉 Seek the best odds – you will be placing many bets each time you use the Lucky 31 bet, so you need to have the best odds available. Sign up for an account with multiple bookmakers and focus on those offering the best selection for horse racing.

👉 Consider other systems – the Lucky 31 bet has its merit, but you should also expand your horizons. Learn what is a Round Robin bet and what is a Yankee bet to find out if there are better alternatives to minimize the risks and maximize the odds of winning.

👉 Check out professional tips – there are many horse racing experts out there who can help you in your quest of finding the best races and runners. With so many selections added to your betting slip, it pays off to use quality information to maximize the odds of winning.

Pros and cons of placing a Lucky 31 bet 👍 & 👎


  • Many ways to win and combinations
  • Covers a broad spectrum of events and markets
  • The potential winnings with five selections
  • Can offset losses with a few correct picks


  • All bets must be the same size
  • Sizable investment and high risk of losing big

Frequently asked questions about Lucky 31 bets 🤔

The odds will be calculated automatically by the bookmaker or by using a Lucky 31 bet calculator. For the single bets: decimal odds x stake. For the double bets: selection 1 odds x selection 2 odds. For the trebles: selection 1 odds x selection 2 odds x selection 3 odds. For the four-folds: selection 1 odds x selection 2 odds x selection 3 odds x selection 4 odds. For the five-fold: selection 1 odds x selection 2 odds x selection 3 odds x selection 4 odds x selection 5 odds. Then add up the 5 singles, 10 doubles, 10 trebles, 5 four folds and the one five-fold.

If you bet on a licensed and regulated gambling operator will take no chances with the type of bet.

This bet is perfect for horse racing events, but it can be adjusted to bet on other sports online, like footbal or basketball.

A Lucky 31 bet is a wager on five selections, where 31 bets are made. These are five singles, ten doubles, ten trebles, 5 four-folds and one five-fold bet.

A typical Lucky 31 bet will cost £31, containing 31 individual £1 bets.

Lucky 31 is an advanced betting system for horse racing

The high number of winning combinations, the multiple possibilities presented by the Lucky 31 bet, and the sheer fun of placing it make it easy to recommend. If you are an experienced horse racing punter, you will find great pleasure in using it to cover multiple runners.

Beginners can easily learn the rules and play such a bet successfully, as it is suitable for both high rollers and risk-averse punters. Do your research and bet at the right bookie, to make the most of the Lucky 31 bet for horse racing.

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