💡 Which Bookmakers Allow Over 3.5 Goal Accumulators?

Nearly every online bookmaker will include wagers on a goals market and include the option for you to create an accumulator from the ones chosen. If you select events with very long odds you may need to request a specific price from the bookmakers.

💡 What Other Types of Accumulators are there?

There are many other types of acca such as a patent, trixie, heinz or lucky 15 bet. These bets are a more complicated form of an accumulator bet that we have discussed here, they can be used in an over 3.5 goals market though it is rare to see people do this.

💡 Do Goals in a Penalty Shootout Count?

No they won’t The majority of goal markets will only settle over the 90 minutes. You may find some the odd special bet that will include extra time goals, but due to the high likelihood of goals in a penalty shootout these will never be counted.

💡 How can a Team score half a goal?

No you have not read this wrong, and do not think that a goal that is disallowed for offside or a shot that bounces off the line will be classed as half a goal by the bookmakers! The whole reason that the bet is placed at 0.5 goals is due to the fact it is impossible, and rules out a market where both the under and over result could be an outcome.

💡 Do Own Goals Count?

Yes, an own goal will count as a goal scored by either side will count towards any bet in a goals market at every online sportsbook.

Accumulator Over 3.5 Goals – Tips & Predictions

By Saul Mumford | Last update at 22 August, 2025⏲️ Reading time: 6 minutes

Fact checked by Martins Lasmanis

Fact checked by

Martins Lasmanis

With more than 10 years of experience in online marketing, and special focus on the gambling affiliation sector over 5 years, Martin Lasmanis is a true expert in his niche. Today, Martin's vision is to build the largest lead generator company in the world. Fortunately, we have the perfect team to make his dream come true!

In this article, we will look at what it means to place an accumulator over a 3.5 goals wager. We will go over exactly what an over 3.5 goal bet is, how to place one when online and also we will look at some pros and cons of punting in this way. Furthermore we have our experts' tips pages highlighted for you in the tab within the article so you can access top football tips for both accumulator bets, over 3.5 goal bets and many other sporting events which we hope will give your online gambling a bit of a boost.

What is an over 3.5 goals bet?

This is a simple bet based on there being at least four goals during a football match. Which side scores does not matter, as long as the teams combined final goals are four or greater, before the full time whistle is blown. If the game has three, two one or no goals scored overall by both teams the bet would be settled as a losing bet. Obviously, there can not be half a goal scored in a game (offside goals do not count as a half!) so the wager uses the 0.5 to create a market that is workable. This is because if it were under or over three goals, then if exactly three goals were scored, neither bet would be a winner. The 0.5 is added to avoid that possibility.

It is worth pointing out at this stage that this market is nearly always only based on the 90-minute market (plus injury time). It will not include any overtime/extra time and will never include penalties!

What is an Accumulator Over 3.5 goals bet?

So now we know what a bet on over 3.5 goals is, we need to know what an accumulator bet is. The aim of an accumulator is where you correctly guess a series of results. This can be as few as two selections (called legs) and up to 20 or more if you want to go a bit crazy In terms of an accumulator over 3.5 goals bet, this is named as such because you will only pick over 3.5 goals as the outcome for each leg of the accumulator. If you pick over 3.5 goals for each selection and they are all correct (four goals or more), then you will win the bet.

Manchester City vs Celtic- Over 3.5 Goals - Yes

Liverpool vs Tottenham Hotspur - Over 3.5 Goals - Yes

Real Madrid vs Barcelona - Over 3.5 Goals - Yes

Your accumulator draw bet will win if all three of these games finish with over 3.5 Goals being scored.

How are Odds Calculated?

Odds are added per selection - let’s use the stake as 1

Manchester City vs Celtic- Over 3.5 Goals 2/1

Liverpool vs Tottenham Hotspur - Over 3.5 Goals 3/1

Real Madrid vs Barcelona - Over 3.5 Goals 6/1

So the final odds on a draw accumulator where all three selections win will actually be classed as 125/1.

Initial bet: 1 x 2/1 = 3 (1 stake + 2 winnings)
Second bet: 3 x 5/1 = 18
Third bet: 18 x 6/1 = 126 (1 stake + 125 Winnings)

(Odds in a real 3.5 goal acca would potentially be much higher these odds are just fot example purposes).

Pros and Cons of Acca Over 3.5 goals bets

Over 3.5 goals as an acca offers both pros and cons. Pros are that when over 3.5 goals happens it is rarer and so an acca on this bet will offer very high potential rewards. Another pro is that the match result is not dependent on your bet being correct so you can effectively cheer on a goal without it being important which team scores. It is an easy bet to place and understand as well, and with low stakes, you could win huge amounts as of the way odds are calculated if your accumulator comes in successfully. The downside to this is the extra amount of risk that is included as you add more legs as this creates many more things that can potentially go wrong and that 4 goals in a game is quite a rare outcome.

Pluses

Fun way of betting on football
Higher returns than single bets
Very high returns from small stakes if a bet comes in
Good bets for cup matches

Minuses

Every selection needs to be correct to win
More risk is incurred, the more legs you add
Rare to have many matches with 4 goals scored in them

Conclusion

Betting on goal markets is a great and fun way to bet on football as it means you just need to cheer on the number of goals scored in a game rather than worrying about a particular result. With the 3.5 goal market, this adds a good level or excitement although 4 goals are not that often scored in higher league matches. When you combine games into a multiple accumulator you can quickly increase the potential rewards. Check player and team form before placing your bets and stick to leagues and teams that you know. Often these can be good bets to place on cup matches with higher level teams against lower-ranked opposition, or 2nd legs where both teams need goals to qualify. Keep your stakes low initially and remember to gamble responsibly and within your own personal bankroll limits, only using money that you can afford to lose. Gambling should be fun and not the difference between being able to pay your bills at the end of the month.

FAQ. Frequently Asked Questions

💡 Which Bookmakers Allow Over 3.5 Goal Accumulators?
Nearly every online bookmaker will include wagers on a goals market and include the option for you to create an accumulator from the ones chosen. If you select events with very long odds you may need to request a specific price from the bookmakers.
💡 What Other Types of Accumulators are there?
There are many other types of acca such as a patent, trixie, heinz or lucky 15 bet. These bets are a more complicated form of an accumulator bet that we have discussed here, they can be used in an over 3.5 goals market though it is rare to see people do this.
💡 Do Goals in a Penalty Shootout Count?
No they won’t The majority of goal markets will only settle over the 90 minutes. You may find some the odd special bet that will include extra time goals, but due to the high likelihood of goals in a penalty shootout these will never be counted.
💡 How can a Team score half a goal?
No you have not read this wrong, and do not think that a goal that is disallowed for offside or a shot that bounces off the line will be classed as half a goal by the bookmakers! The whole reason that the bet is placed at 0.5 goals is due to the fact it is impossible, and rules out a market where both the under and over result could be an outcome.
💡 Do Own Goals Count?
Yes, an own goal will count as a goal scored by either side will count towards any bet in a goals market at every online sportsbook.