What Is a 4-Fold Bet? Four-Leg Accumulators Explained, With Examples

Last updated: 11/11/2026

What is a 4 fold bet? It's one bet on four selections in different events, and all four have to win, including the one that kicks off last. Each leg's return rolls on to the next, so £10 at 2/1, 6/4, evens and 3/1 comes back as £600.

What Is a 4-Fold Bet?

A 4-fold bet is a single bet on four selections from four different events, and every one of them has to win for it to pay. That's the 4-fold bet meaning, and it's why it also goes by 4-fold accumulator. At 2/1, 6/4, evens and 3/1, a £10 4-fold returns £600.

Four-fold, fourfold or 4 fold, it's the same bet however it's spelt. A fold bet is any multiple named by its number of legs, so a five-fold has five and a six-fold six.

A four-fold is the shortest bet most people would call an accumulator.

The Midnite Take: 4-Fold Bets: Four Legs, One Bet

By Dave Learmont, Creative Copy Lead at Midnite

Four selections. One bet. And four separate opportunities for sport to completely ignore what you thought was going to happen. That's a 4-fold. Whether you're picking four football teams across the weekend or combining results from different sports, every selection needs to win for the bet to pay out. The winnings roll on from leg to leg, which means the potential return grows with each additional leg. Of course, so does the number of things that need to go right. You might have three winners wrapped up by Saturday evening, only for the fourth selection to let you down on Sunday. Anyone who's followed a weekend accumulator knows the feeling. It's worth remembering that a 4-fold isn't four separate bets. It's one bet with four legs, and every leg has to do its job.

How Does a 4-Fold Bet Work?

A four-fold works as a roll-over. The first leg's return, stake plus winnings, becomes the stake on the second leg, then the third, then the fourth. That's how a 4 fold bet works, and it's why one losing leg takes the whole stake, even if the other three were done by teatime.

The four selections have to come from different events. Results in the same match are linked, so Midnite's bet slip flags linked selections before you place the bet. They can mix sports, say three football matches and a darts match, but horse racing can't be combined with other sports, and F1 and golf can't join a multiple with other sports yet.

A four-fold is a treble with one more leg. That fourth leg is why the price grows: four results all landing is less likely than three.

What Is a 4-Fold Bet in Horse Racing?

In horse racing, a four-fold is four horses in four different races, and all four have to win, or all four place for the place half of an each-way bet. Racing four-folds come from Midnite's horse racing page, with the basics in how to bet on horse racing.

How to Work Out a 4-Fold Bet

To work out a 4-fold bet, settle the first leg as a single, then put the whole return on the next leg, and keep going. Here's the £10 example. Its first two legs are our double bet example.

Each leg's whole return rides on the next, so £10 becomes £30, then £75, then £150, then £600. That's £600 back, £590 of it profit. If any one of the four loses, nothing comes back and the £10 is gone.

The prices are examples, not Midnite odds. On Midnite, the bet slip does this sum for you and shows it as To Return.

Each-Way 4-Fold

An each-way 4-fold bet is two bets: a win four-fold and a place four-fold, each at the full stake, so £10 each-way costs £20. The place half uses each race's each-way terms, and all four horses must finish in the places.

Take four non-handicap races with eight or more runners, where Midnite pays three places at 1/5 the odds. That makes the place prices 2/5, 3/10, 1/5 and 3/5. £10 at 2/5 returns £14, which rolls on to £18.20, then £21.84, then about £34.94.

• All four win: £600 from the win half plus about £34.94 from the place half, so about £634.94 back on £20.
• All four place, but not all four win: only the place half pays, about £34.94, a profit of about £14.94.
• Any horse finishes outside the places: both halves lose, and the £20 is gone.

What Happens If One Leg Is Void or a Non-Runner?

A void leg or a non-runner drops out, and the four-fold carries on as a treble on the other three. That's section 17.4 of Midnite's Terms and Conditions, and Midnite's racing rules settle a non-runner in a multiple the same way.

Say the evens leg is voided. The £10 then rides on 2/1, 6/4 and 3/1, and returns £300 if all three win. The To Return figure on the bet drops to match. In racing, Rule 4 deductions can also trim what the remaining horses pay.

Two exceptions. An acca carrying an Odds Boost doesn't carry on: Midnite's Football Accumulator Guide says one void leg makes an Enhanced Acca or Boosted Market void in full. And a dead heat isn't a void: Midnite's general sports betting rules divide the stake on that leg by the number of winners, which our guide to doubles works through.

How Many 4-Folds Are in 5, 6, 7 or 8 Selections?

Five selections make 5 four-folds, six make 15, seven make 35 and eight make 70. That's one four-fold for every different group of four you can pick, each a separate bet at your stake per line.

A 4-fold bet from 5 selections works out as five lines, each leaving one selection out. From 7 selections, a 4-fold bet on every group of four comes to 35 lines. Some bookmakers let you place every four-fold in one go as a combination bet. Midnite's bet slip doesn't offer combinations, so each four-fold is a separate bet.

Four-folds also sit inside full-cover bets. A Yankee and Lucky 15 each hold one, and a Lucky 31 holds five. At Midnite, those are special multiples on horse racing only. The rest are counts only.

How to Place a 4-Fold on Midnite

Placing a four-fold takes three choices: four selections, the bet type and the stake.

1. Pick four selections from four different events in the Acca Builder or on the sport pages, or four horses from horse racing, which the Acca Builder doesn't cover.
2. Open the bet slip, switch to Multiples and choose 4 Fold Acca.
3. Enter your stake.
4. Look over the To Return figure before you confirm the bet.

The steps are the same on the app and the website, and how to bet on football covers the basics. Midnite accas take up to 20 legs.

If your four legs carry different payout limits, Midnite's Maximum Payout Rules cap the whole bet at the lowest one. A Bet Builder can't be one of the four legs, because each one is tied to a single match. And Midnite doesn't offer acca insurance, so there's no refund if one leg loses.

Bet Responsibly

Every leg you add makes a four-fold less likely to land, and one loser takes the whole stake. Only stake what you'd be fine losing.

Under Safer Gambling in your Midnite account, you can set deposit limits for each day, week or month, put a Net Spend Limit on what goes in after withdrawals, or Cool Off for between 24 hours and 30 days. The Responsible Play hub lists every tool, and BeGambleAware is there for free, confidential advice. 18+.

FAQs

How Many 4-Folds Are in 7 Selections?

Seven selections give 35 four-folds, one for each way of picking four. At £1 a line, covering all of them costs £35.

What Does a 5-Fold Bet Mean?

A 5-fold bet is one bet on five selections in different events, and all five have to win. It's the next rung up from a four-fold in the accumulator family.

What Is a 6-Fold Bet?

One bet on six selections, all of which have to win. Six legs rolling over pay more than four at the same prices, and land less often. More in our accumulator guide.

How Many 4-Folds Are in 6 Selections?

Fifteen. Six selections split into 15 different groups of four, so £1 a line costs £15, the same 15 four-folds you'd find inside a Heinz.

Four Legs, One Stake

A 4-fold bet in one line: four selections, one stake, and every leg has to win. Build one in the Acca Builder, or pick four races on Midnite's horse racing page.

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About the author

Jordan Willmott is Sportsbook Experience Senior Manager at Midnite, where he leads the team behind sportsbook operations and propositions, from bet settlement and price boosts to the range of markets and specials available across every sport on site. He has spent 13 years in sportsbook and trading, previously in similar roles at BetVictor, Sporting Index and Sky Betting & Gaming. He writes here on how markets are built, made available and settled once the whistle goes. Connect with Jordan on LinkedIn.