Tote Credit

James Dooley avatar

Written By:


Welcome to our comprehensive guide on Tote Credit, where we provide all the information you need, from checking your balance to placing bets using Tote Credit.

Tote Credit is the bookmaker’s version of a FREE BET.

Tote Credit allows you to place a bet for free, yet with all the functionality of real money stake.

That means real money payouts and no dividend deduction.

Tote Credit cannot be withdrawn, exchanged, or substituted and expires after 7 days.

Qualifying Tote Credit bets are the first racing pool bet added to the bet slip.

With Tote Credit, you can enjoy free betting while benefiting from real money pay-outs and no dividend deductions.

How do I get Tote Credit?

You can earn Tote Credit by using the products online, from signing up to being an ongoing Tote customer.

To stay updated on the latest offers, opt-in for marketing by updating your contact preferences in your Tote account.

Check out the Tote Promotions page to see the current offers.

Am I excluded from receiving Tote Credit?

Betting Behaviour:

Tote may restrict promotions for certain customer accounts due to safer gambling concerns or other reasons our operational team identifies.

Unfortunately, these accounts will not be eligible to participate in promotions.

Engaging in betting patterns that indicate abuse of promotions or activities against the spirit of promotions will also result in exclusion.

However, customers with a long-term winning record are welcome and will not face restrictions due to their successful betting activity.

Fraudulent Behaviour:

Any account directly involved in fraudulent activities or connected to other fraudulent accounts will be excluded from Tote Credit.

Such accounts will also be subject to our Fraud Policies outlined in the Tote General Terms & Conditions.

How do I find out if I have Tote Credit?

Web Browser:

Check your Tote Credit balance by logging into your account and locating the balance in the right-hand corner (split between cash and Tote Credit).

For a detailed breakdown, visit “my promotions” within “my account.” Alternatively, find the Tote Credit icon on the Bet Slip, where any eligible Tote Credit will be displayed when you add selections.

On the app:

When placing a bet, you can find your current Tote Credit balance in your mobile app betslip.

Use the toggle to use your available Tote Credit.

I have earned Tote Credit through a promotion; when will it be credited?

If you haven’t received Tote Credit from a qualified offer, take the following actions:

  1. Check if Tote Credit has already been credited by viewing your current promotions in your account.
  2. Review the “Terms & Conditions” of the offer provided in the email notification or under each promotional page on our website.

If you have any further questions, please contact Tote through Live Chat or the ‘Contact Us’ button.

How do I use Tote Credit?

To use Tote Credit, follow these steps:

  1. Log in to your account using the ‘Log In’ button.
  2. Your Tote Credit balance will be displayed next to your cash balance. For a detailed overview, access “promotions” within “my account.”
  3. Make your selections as usual.
  4. On the Bet Slip, tap the icon at the bottom of your selection(s) to apply for any eligible Tote Credit.
  5. If desired, you can add a cash stake in the stake field for a bet using cash and Tote Credit.
  6. Click ‘Place Bet’ to confirm your bet.

Certain Tote Credit offers may have restrictions that limit their application to specific selections or promotions.

Please refer to the terms and conditions of each offer for details.

All Tote Pool Betting Related Posts

Check out all the related Tote Pool Betting related posts.


Tote Credit is a fantastic feature for punters, allowing them to place bets for free while enjoying all the benefits of real money stakes.

With Tote Credit, betting enthusiasts can experience real money payouts without any deduction from their dividends.

It allows them to explore different betting options and strategies without risking their funds.

If a bet exceeds the eligible Tote Credit balance, punters can easily top up the remaining amount with cash.

This flexibility and freedom make Tote Credit a valuable and advantageous tool for punters looking to enhance their betting experience and maximise their winnings.

Tote Credit Rules

Here are the Tote Credit terms and conditions.

Tote Fantasy

  • Tote Credit may be credited to players to use specifically on Fantasy Contests.
  • Tote Credit is subject to a 7-day expiry from the date that it is credited to your account and can neither be withdrawn, exchanged nor substituted for cash, whether in part or in full.
  • Although Tote Credit cannot be withdrawn, any winnings derived from bets placed with Tote Credit can be withdrawn.
  • Tote Credit can only be redeemed across selected racing bets or Fantasy Contests.
  • Tote Credit cannot be redeemed across Ten to Follow, virtual or games sections of the website or official Tote app.
  • Tote Credit stakes cannot be used to qualify for any other Tote promotion or offers.
  • Tote reserves the right to refuse Tote Credit to a customer where Tote reasonably believes that such a customer is abusing or defrauding the Tote Credit system.
  • For full information on Tote Credit please visit our Tote Credit FAQs and T&Cs

Tote Betting

For any Tote offer or promotion which involves the application of Tote Credit to Your Account, the general rules below apply:

  • Any Tote offer or promotion involving the crediting of Tote Credit to a customer Account is limited to one per customer and cannot be used in conjunction with any other offer or promotion.
  • In the event of a customer opening more than one Account to claim multiple registration offers, or claiming an offer on duplicate Accounts, we reserve the right to suspend and close any duplicate Accounts and make void any bets placed.
  • Tote Credit is provided for customers to bet with and may never in any circumstances be withdrawn as cash.
  • Although Tote Credit cannot be withdrawn, any winnings derived from bets placed with Tote Credit can be withdrawn.
  • Tote Credit will be subject to expiry within 7 (seven) days of it being credited to Your Account.
  • Tote Credit gives you all the functionality of a real money bet with all funds going directly into the relevant racing pool resulting in the full Tote dividend upon settlement being returned to you.
  • Tote Credit can only be redeemed across racing bets, as follows: Toteexacta, Totetrifecta, Toteswinger, Totejackpot, Toteplacepot, Totequadpot, Totescoop6, Totesurvivor, Totewin and Toteplace. This list may be amended from time to time.
  • Some Tote Credit offers and promotions will have restrictions attached to them meaning that Tote Credit can only be applied in certain instances or to specific racing selections. For example, for certain offers and promotions, Tote Credit can only be used on selected products for example ‘Placepot’. These restrictions will be detailed in the relevant offer and/or promotion terms and conditions.
  • Tote Credit cannot be redeemed across Ten to Follow, Virtual or Games sections of the website or official Tote mobile and tablet applications.
  • Tote reserves the right to refuse Tote Credit to a customer where Tote reasonably believes that such a customer is abusing or defrauding the Tote Credit system.
  • Tote reserves the right, acting reasonably, to withhold, restrict or cancel offers and promotions from individual Account holders in accordance with its eligibility, promotion abuse and internal trading risk policies at its reasonable discretion and with prior notice.
  • To claim a matched Tote Credit, whereby an offer or promotion invites participants to receive Tote Credit to equal the same value stake as that which the customer makes, a customer must stake their own money to be eligible to receive the Tote Credit. Should their initial selection be a non-runner or the bet becomes void, then the stake will not count.
  • Tote Credit cannot be used to qualify for any another Tote promotion or offer.
  • In circumstances where a bet is part funded by Tote Credit only the cash part of the bet will contribute towards qualification. For example, a £/€10 bet that is split £/€4 Tote Credit and £/€6 Cash only the £/€6 cash would contribute towards qualification
  • For the avoidance of doubt, Tote Credit is not a financial product.
  • Tote Credit can neither be exchanged nor substituted for cash or any other form of tangible or intangible benefit, whether in part or in full.
  • Any Tote Credit existing in Your Account will expire upon its closure, for whatever reason.
  • We reserve the right to withdraw Tote Credit at any time but will endeavour to provide reasonable notice wherever possible.