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Banker – The Best Golf Gambling Game You’re Not Playing

Golf is such a great and pure game that it can be played walking the fairways alone and still be wonderfully enjoyable. However, it’s also pretty great fleecing your buddies for a wad of cash or hearing the Venmo buzz to show some new money in the account. This conversation will focus on the later and will cover the best golf gambling game you’re probably not playing. Bust this out anywhere from your home private golf club, the local muni, a top 100 golf course, or on your next golf vacation and it is sure to be a hit.
Banker works similarly to Black Jack and the banker is dealer, playing against the rest of the group. Every hole is a new game. The minimum bet amount is established before the round by the group. The maximum bet amount for each hole is determined by the player that is the banker. The banker changes hole by hole. The banker order can be determined by flipping a tee pre-round and establishing the order for the rest of the game.
At the beginning of the round, a minimum bet of $10 per hole is established. For example, the banker declares the maximum bet $100. Each player in the group plays a 1-on-1 game against the banker only. Before teeing off, each player declares the amount of their match with the banker, between $10-100. Remember each player plays an individual match against the banker. Example:
If player A is the banker in a foursome, the matches are as follows:
Player A vs. B, for amount determined by Player B.
Player A vs. C, for amount determined by Player C.
Player A vs. D, for amount determined by Player D.
The game really starts to get interesting with the presses. On each hole, the banker hits last. The players can all decide to press their individual bets with the banker while their tee shot is in the air. This doubles the bet. The banker then has the option to press back after he/she hits (ball in the air), but the caveat is that the banker must press everyone. Example:
Player A is the banker; the minimum bet is $10 the maximum is $100. The matches are below:
Player B chooses to play the Banker (player A) for $20
Player C chooses to play the Banker (player A) for $80
Player D chooses to play the Banker (player A) for $100
Players B & C hit average drives and choose not to press the bet. Player D hits a great drive and chooses to press. His bet with the banker (Player A) is now $200. The Banker (Player A) now hits and after hitting, while the ball is in the air, and decides whether to double all the bets or leave them be. He decides not too and leaves them as $20 with Player B, $80 with Player C and $200 with Player D.
For the par 3s in this game, the presses get interesting. You must press while your ball is in the air, and the presses and represses triple the bet instead of double. The same rule applies that the banker can only repress everyone or no one and must also repress while the ball is in the air. This can get fun.
Player B is the banker on the 12th hole a par 3. The minimum bet is still $10 (set by the group at the beginning of the round) and the banker sets the max at $50.
Player A chooses to play the banker (player B) for $10
Player C chooses to play the banker (player B) for $25
Player D chooses to play the banker (player B) for $50
Player A doesn’t press the bet after shanking his tee shot. Player C hits a shot that looks great (must press mid-air) and presses but sails the green. His bet with the banker is now $75. Player D hits a bad shot short left and doesn’t press. The banker hits a great shot and presses (again has to be while in the air). The bets in the group triple to the following:
Player A is playing the banker (player B) for $30
Player C is playing the banker (player B) for $225 (the original $25 tripled on Player A’s press and again on the Bankers)
Player D is playing the banker (player B) for $150
Scoring is easily done if you’re tracking it on one card. Here is how we do it. Each box contains the players’ score and the amount won/lost. You know you’re doing it correctly if on each hole the total zeros out (think back to Accounting 101). In this example, player D was the banker and lost 3 ways with a double bogey.
There are a few moving parts in this game, but once you get playing it’s really quite simple and fun. If you’re having a crappy day, you can simply ride out the minimums and sometimes you’ll find your spot to strike and make up some lost dough. The last caveat that we have added is that on hole 17 and 18 the player who owes the most is automatically banker and gets to set the limits of his choice. Give it a shot, you won’t be disappointed.
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Golf Betting: Ten Great Golf Gambling Games
Back in 2007, I wrote Golf Digest's Complete Book of Golf Betting Games. Since then, friends, family, even perfect strangers have stopped me on countless occasions to share their "perfect" golf-gambling game. In short, if the game works for you and your group, it's a perfect game. However, if you struggle on the first tee to think of a fun game to play for the next 18 holes, here are my 10 favorites.
PERFECT FOR: Golfers who routinely struggle with a specific hole
DESCRIPTION: Instead of the scorecard mandating where handicap strokes are given, a player can use his or her handicap strokes on any hole until they run out. A maximum of two strokes can be used on any one hole. The only catch is that the handicap stroke (or two) has to be declared before the tee shot on that hole. The player with the low-net score wins the pot. This game is great because, if there are holes on your course where you routinely struggle, you can use your strokes on those holes to avoid a big score.
DESCRIPTION: It's tough to find good games for three players but this one might be the best. There are a total of nine points available on each hole (a point has a predetermined dollar amount). The player with the low score on a hole gets five points. The player with the second-lowest score gets three. And the worst score on a hole gets one. If there are ties, you simply divide the points by the number of players tied. For example, two players tie for the best score on a hole. That means they split the first- and second-place points (5+3/2=4 apiece).
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PERFECT FOR: Golfers who like to keep it simple and fair
DESCRIPTION: The problem with the popular gambling game called a "nassau" is that winning the 18-hole match is often undervalued. If the front, back and 18 are equal in the amount wagered, that means a golfer or team could conceivably win the first 10 holes, and halve all but two of the remaining and win only a third of the amount wagered. Hardly fair. With a closeout, the 18-hole match is worth a set amount and once it's decided, a second match on the remaining holes begins for half the original amount. It reduces the odds of a lackluster payout for really solid play. But the real beauty of this game is that it's simple to keep track of the match.
PERFECT FOR: A group of any size with legitimate Handicap Indexes
DESCRIPTION: Each player takes his or her course handicap, then substracts that number from 36 and that becomes the point quota they have to make during a round. Typical scoring for a mid-handicap group would be 1 point for a bogey, 2 points for a par, 4 for a birdie and 8 for an eagle (points can be adjusted in any way). The player with the most points above their quota wins a predetermined pot. If no one finishes above their quota, you can roll the pot into the next round or decide it by some kind of tiebreaker. I've always liked this game because pars and birdies are worth so much more to average golfers than just being one shot better than a bogey.
PERFECT FOR: Mid-to-high handicap groups
DESCRIPTION: At the end of a round, each player gets to throw out his or her score on three holes and then the best 15-hole score wins the pot. This is a great game for mid-to-high handicappers because it keeps everyone involved much deeper into the round, especially if a player or two had a couple of "blow-up" holes along the way.
PERFECT FOR: Learning how to putt better in the clutch
DESCRIPTION: You know those three-footers that your group always swats away as "gimmes?" You can't do that with this game. You have to putt them out. And any time a player three-putts or worse (the ball has to be on the green for the first putt), a specific amount is added to a pot. That money keeps accruing during the round and the last person to three-putt has to pay the other players the amount in the pot. There are many variations of this game including a progressive version where the pot amount starts at a dime and doubles each time someone three-putts. Another version makes the person with the most three-putts pay. It's recommended to play this game when the course isn't crowded because it can slow things down. However, it's a great game to learn how to make short putts and not take other putts for granted.
DESCRIPTION: Among the many side bets, this one is my favorite because it rewards players who don't give up. Essentially, any time a player follows up a double bogey or worse with a par or better on the next hole, they win a point (dollar value determined in advance by your group). Any time a player makes back-to-back double bogeys or worse, they lose a point.
DESCRIPTION: Players earn points for making a bogey or better on a hole. A typical point distribution would be 5 for a bogey, 15 for a par, 30 for a birdie and 60 for an eagle (better groups can start with par as the first point-eligible score). After earning points on a hole, the player has the option of banking the amount or "letting it ride," meaning the point total can still grow on subsequent holes. The point totals double for every hole that they aren't banked. So a bogey on a second consecutive hole would now be worth 10 and a par would be worth 30 and so on. However, if a player elects to let his or her points ride and a double bogey or worse is made, the player's total points not banked goes back to zero. Banked points can't be taken away and are credited at the end of the round. The players with the highest point totals are paid a predetermined amount for every point they have earned in relation to the other players. This is a great game for golfers who are streaky and also for golfers who love to gamble. Think about it: If you make back-to-back birdies without banking, you'll have earned the equivalent of making 18 bogeys earned at 5 points each.
PERFECT FOR: Twosomes or foursomes looking to break up the monotony of their usual games.
DESCRIPTION: This is a standard match-play competition with a little twist. When a golfer or team wins a hole, they "remove" a club from the opponent or opponents' bags. That means the other team can't use that club for the rest of the round. This continues until the match is decided. A variation of this game allows a team to reinstall clubs to their set if someone on the team makes net birdie or better to win a hole. Things can get really creative and shotmaking becomes a bigger part of the round when certain clubs are eliminated. Obviously, the putter should be first to go.
PERFECT FOR: Improving shot selection and course strategy
DESCRIPTION: Instead of rewarding players for good play, golfers are given points for their mistakes. The players with the lowest point totals are paid a predetermined amount for every point less they have in relation to the other competitors. This can be a side-bet game or the group's main wager. A common point allocation: Hitting a ball in a bunker (1); Hitting into the water (2). Hitting out-of-bounds (3). Three-putting (1). Four-putting (4). Duffing a tee shot (1). Points can also be subtracted for stellar play such as making birdies, holing long putts or stiffing shots from off the green, etc. This is a great game to learn course management and how to stop taking unnecessary risks.
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