The Financial Strategy ‘Percentage of Bank’ — Rules, Comparison with Flat Betting, ‘+60%’ System

Why the financial strategy ‘Percentage of Bank’ can be more beneficial than flat betting, when it doesn’t work, and why ‘+60% Strategy’ is nonsense — all of this will be covered in this article.

The Basics of the Strategy

The ‘Percentage of Bank’ is one of the simplest and most reliable betting strategies. It is similar to flat betting, but, unlike in the latter, it is not the bet amount that is fixed, but the percentage of the bank — the balance on the player’s betting account.

Sometimes, the strategy is also called Dynamic Bank, as the bet amount varies depending on the size of the bankroll (fixed percentage).

Let’s take a simple example.

The bankroll is 1,000 dollars. The fixed percentage is 5.

  1. The first bet is 50 dollars (5%) with odds 2. The bet wins, and the bankroll now is: 1,000 + 50 = 1,050 dollars.
  2. The amount of the next bet is calculated as 5% of the resulting bankroll (1,050 dollars) and makes 52.5 dollars.

Likewise, if the bet lost, the bet amount would decrease and make: 950 dollars * 0.05 = 47.5 dollars.
The main question here is — how to manage the bankroll, and what should be the fixed percentage? Depending on the answer, the strategy can be divided into three following types:

  • Moderate. The bet amount is up to 1% of the bank. The minimal percentage allows for a long play and eliminates the risk of bankruptcy in the near future.
  • Conservative. The bet amount varies between 1% and 5% of the bankroll. This option is preferred by most bettors.
  • Aggressive. The fixed percentage is over 5%. At this point, the game becomes risky which can lead to either a quick success or a quick failure.

I’d like to point out that, on the internet, you can find many examples (tips) on the strategy where 10 percent of the bankroll is used. The authors consider this figure to be the maximum that you should not exceed and recommend staying within the range of 5% to 10%. But, in my opinion, 10% is too many, too.

To diversify the strategy, you are typically told to set a different percentage for different types of bets. For example, 5% — for single bets, and 3% — for accumulator bets.

Flat Betting and ‘Percentage of Bank’ Compared

Let’s compare the effectiveness of ‘Percentage of Bank’ with that of flat betting by taking a very easy example.

Primary Data: Bankroll — 100 dollars. Initial bet amount — 10 dollars (10% of the bank). Odds — 2. We make 4 bets, two of them win.

Bet #Outcome of EventFlat Betting Strategy‘Percentage of Bank’ Strategy
TOTAL:100 Dollars98.01 Dollars
Bet 1Win$100 + $10 = $110$100 + $10 = $110
Bet 2Loss$110 - $10 = $100$110 - $11 = $99
Bet 3Win$100 + $10 = $110$99 + $9.9 = $108.9
Bet 4Loss$110 - $10 = $100$108.9 - $10.89 = $98.01

With flat betting, we are left with 100 dollars, the same as before the game.
With ‘Fixed Percentage of Bank’ strategy, the result is 98.01 dollars.

More complicated calculations lead to the following conclusions: for ‘near-zero’ players (there is such a notion), the strategy is less profitable than flat betting because of the increased break-even point.


In case of a low win rate, ‘Percentage of Bank’ allows you to minimize the loss.
In case of a high win rate, the strategy demonstrates better results, too.

Therefore, the strategy is effective for both maximizing winnings and minimizing losses.

‘60 Percent of Bank’ Strategy

Another curious strategy — ‘60 Percent of Bank’ — also proudly called ‘+60%’, suggests that, if you strictly follow its rules, your bank will grow by 60% in a month.

According to the strategy, you are supposed to split your initial bankroll into five parts in the following percentage ratio:

  1. Step One — 1%
  2. Step Two — 3.5%
  3. Step Three — 9.5%
  4. Step Four — 24.5%
  5. Step Five — 61.5%

The amount of the first bet must equal 1% of the bank. If it loses, then, using the above scheme, the next bet amount should make 3.5% of the bank, and so on. Once you win, the cycle is repeated starting from Step 1. If all the five bets lose, you go bankrupt.

Consequently, for the strategy to be effective, the following conditions must be met:

  • The odds must not be less than 1.7
  • You must not lose five bets in a row
  • To increase your bank by 60%, you must make 90 bets

I would call this strategy ‘Modified Martingale’, and I don’t really know who it might be useful to. Experienced players know perfectly well that a five-event losing streak is quite an ordinary scenario, no matter what various betting ‘gurus’ might say…

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