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What Is a Lucky 15?

A Lucky 15 bet is a series of four different selections in four different events, each of which pays out on its own pay table. The four selections are four singles, six doubles, four trebles, and one four-fold accumulator.

You make four selections (teams, horses, etc) and then confirm your stake. Each Lucky 15 bet is multiplied by 15, one unit for each leg of the bet. A 1-unit Lucky 15 bet costs 15 units. The name ‘Lucky’ comes from the bonus that comes when only one team wins.

Read on to learn more about how Lucky 15 bets work.

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Lucky 15 Bet Example

An easy way to think of the bet is to imagine picking four teams: A, B, C, and D.

Your Lucky 15 bet would consist of the following bet combinations:

  • Straight bets: A, B, C, and D
  • Double bets: AB, AC, AD, BC, BD, and CD
  • Treble bets: ABC, ABD, ACD, and BCD
  • Four-fold accumulator: ABCD

Most online sportsbooks offer a bonus if one and only one selection wins.

A common bonus is 2x those odds. Some books offer 3x, which is a great advantage to have when placing your bet.

Assuming even odds on all four selections, and assuming a 2x bonus if one team wins, if just Team A wins, you would get paid 2 units, netting a loss of 13 units.

If teams A and B win, you would win the two straight bets (one unit each), as well as one of the double bets (one unit + two units, for a total of three units), for a payout of 5 units.

If teams A, B, and C win, you would win three straight bets (three units), three of the doubles (nine units), and one treble (seven units), for a total payout of 19 units.

And if all four teams win, you would get paid on all of the bets, which would net a payout of 65 units (four units for single bets, +18 units for the doubles, +28 units for the trebles, +15 units for the four-fold accumulator).

Lucky 15 bet explained

Lucky 15 Bet Payout Explained

Let’s go a bit more in-depth as to how we came up with these figures.

If team A wins, you win the straight bet on Team A, but none of the other selections. This bet, assuming even odds, pays out one unit. But your bet costs 15 units, so you lose all the other bets. Again, most books pay a bonus on this ‘one out of four’ scenario, so you would get a payout of either 2 or 3 units. Simple enough.

If teams A and B both win, you now win two of the single bets, which would pay you 2 units. You would also win the AB double bet, which means that you would win one unit on Team A and then risk those 2 units (the original unit + the one you won) on Team B, for a win of 2 units on Team B. Adding the one unit from Team A to the 2 units from Team B, you come out ahead 3 units on that double.

Of course, very rarely will you place a bet where all four teams are even money. When different odds come into play, different payouts will result.

There are various odds calculators available online that can help you check your odds before placing your Lucky 15 bet. These calculators can come in handy because the odds are not always the same.

So if you have a Lucky 15 with various favorites or underdogs involved, you will need to check the odds or figure them out on your own to check your possible payouts.

A quick example of this would be if you place a Lucky 15 bet with even (+100) odds on every team except Team B, which has +400 odds. Now let us take a look at some of the different payouts.

If only Team B wins, you would get paid out on only the single bet for Team B, but again, most books offer the bonus. So if just Team B wins, you would get a payout of +800 from books that offer the 2x bonus.

If teams A and B win, you are in luck, because now you get paid +100 on Team A, and +800 on Team B, plus you would win the double bet where you win 1 unit on Team A, and then take that 2 units and put it on Team B, resulting in a payout of +1600!

Of course, if the odds are higher, the payouts will increase as well, and if you are ‘lucky’ enough to hit three or four legs of this bet with high odds, you can really cash in.

The math is similar for the trebles and the four-fold. If teams A, B, and C all win, you win the three single bets, three of the doubles, and one of the trebles. The treble works similarly in that you take one unit on Team A, risk the win + original unit on Team B, and risk it all again on Team C.

Conclusion: Feelin’ Lucky?

If you’re really feeling a hot streak coming on, nothing beats a Lucky 15 bet. If you are able to hit all four selections, your payout will be huge. Even if only one out of four teams wins, you still will get some money back. The sweet spot really comes when either two or three teams win, which will happen a decent percentage of the time, and will result in a nice payout.

Be sure to check your odds and make sure you line shop properly, so you nab the highest payouts available for your selections.

About the author

Alan Penny


Alan hails from Northern Ireland and is an avid fan of all sports. He has been with us since 2017 and serves as SBO’s Editor-in-Chief. Alan passionately covers everything from the latest regulatory developments across the globe to tips on the latest football matches.

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