lotto syndicate


There’s strength in numbers

More players, more chances, more special moments

Playing National Lottery games with a syndicate is a great way to share the thrill of playing the nation’s favourite games. There’s something very special about celebrating a win with friends, family or work colleagues.

Ready to play? Choose a game for your syndicate:

Setting up a syndicate is easy peasy

  • Build your dream team
  • Agree how the syndicate will work
  • Start playing
  • Share the winnings

Build your dream team

Playing as a group can be a lot more fun than playing alone and celebrating a win with others can be so much more rewarding – especially when it’s a big jackpot! But first things first – get some friends, family or work colleagues together and get the ball rolling.

Top tips for building your team

  • Recruit your dream team – syndicates can be made up of friends, family or even work colleagues. In fact, two thirds of current syndicates are work based*, with syndicate managers starting them up to inject some fun and social interaction into the workplace.
  • Agree how it will work – there are no set ways of how to play within a syndicate but agreeing guidelines upfront will provide peace of mind for your team.
  • Stay connected – social media is a great way to keep in touch with your team in between draws. You can send your syndicate team payment reminders, confirmation of draw entries and of course those exciting win alerts!

*Syndicates research 2017.

Agree how the syndicate will work

Before you play, get organised

Setting up a syndicate agreement from the very start will provide ease and peace of mind for both the syndicate manager and the other members. As all payments are taken from, and all prizes are paid only to, the syndicate manager, it is important that everyone knows and are in agreement with how regularly payments are paid and how the prizes will be distributed to the syndicate members.

Here are a few things to consider before starting your syndicate:

  • Agree who the manager is
  • Which games, draws, how many lines will be played?
  • How and when will payments be made?
  • What happens if someone misses a payment?
  • How and when will prizes be shared – or will they be reinvested?
  • Will the group want publicity in the event of a big win?
  • How will the group communicate a large win – and to who?

You may want to use our sample syndicate agreement as a starting point.

Registering with Camelot

If you’re planning on playing online, the syndicate manager will need to register online and list themselves as the syndicate manager. If the syndicate manager already has a National Lottery account, they will need to use this personal account to play the syndicate’s lines. They just need to remember to update their status within the settings by clicking the syndicate manager box.

Your syndicate agreement

Get everyone to sign a syndicate agreement and make sure everyone has a copy. If you win, it will make life a whole lot easier.

TOP TIP Take a photo of your completed syndicate agreement and share it with the members only via social media or messaging app.

Start playing and having fun!

Ready to play? Choose your games

Your syndicate can play any National Lottery draw-based game – in other words:

The syndicate will not be limited to one game, giving you even more chances to win.

Ways to play

In-store – for those syndicate managers that prefer to have their pink tickets physically in their hands, playing a syndicate in-store is a great option. Syndicates can be played in any retail store that sells The National Lottery, the syndicate manager just needs to fill in a playslip(s) for the games and number of weeks the team wants to play. The retailer will then provide the syndicate manager printed copies of the pink tickets for the selected draws.

TOP TIP FOR RETAIL Most syndicate managers that play in stores love FastPay cards, particularly if the syndicate plays the same numbers week in, week out. FastPay cards store your lucky numbers and for multiple lines meaning your syndicate manager won’t need to fill in a playslip (or numerous playslips) every time they go to purchase the tickets.

Online – syndicate managers that prefer to keep things digital can opt to purchase the syndicate’s games online. The manager will need to set up or use their own personal National Lottery account and register themselves as a syndicate manager. Playing online means that your syndicate will never have the worry of losing a ticket, your syndicate manager will be contacted by e-mail if you’ve had any wins. It is then the syndicate manager’s responsibility to distribute any winnings amongst the syndicate members.

TOP TIP FOR ONLINE For syndicates that play the same number of lines and the same lucky numbers week in week out, setting up a direct debit (subscription) can be a great way of ensuring you never miss a draw. Find out more on playing by direct debit.

Tips on payments

To ensure you receive regular payments from all members in your syndicate, why not agree a regular day on which payments are made? If all payments from the syndicate group are not received on time it can be frustrating for the team and cause disruption to the flow of play.

Sharing your winnings!

The fun part – claiming your prize

It’s important to remember that prizes are paid to the syndicate manager and not to the syndicate group members individually. The manager then shares the winnings with the rest of the syndicate or reinvests the wins into future play – it’s all dependent on what is stated in your syndicate agreement. Whether you have bought your tickets in retail or online, click here to find out how to claim your prize.

Syndicate FAQs

1. What is a syndicate?

A syndicate is a group of people that play National Lottery tickets together. When the syndicate win prizes, the money is shared between the group, according to the syndicate agreement. The main benefit of a syndicate of course is that it enables the group to buy more lines and improve their potential to win a prize. Plus, it’s a lot of fun playing in a group.

2. What are the responsibilities of the syndicate manager?

A syndicate manager is responsible for ensuring payments are made, tickets are bought on time and syndicate members are kept informed of results. The manager is also responsible for distributing winnings amongst the members (as all payments will be made to them) and ensuring that all members are in agreement for how the prizes are paid out or if they are reinvested to future play.

3. Is there a maximum number of people allowed in a syndicate?

No. You can have as many people as you like – the more the merrier. Bear in mind though, while a large group increases your chances of winning, the pay-outs become smaller.

4. Do we have to set up a syndicate agreement?

It’s not essential, but it’s a good idea to set up an agreement beforehand. This will ensure the syndicate is run without disruptions and with everyone’s name on the agreement it helps to avoid any misunderstandings in the event of a win! It also helps to keep the syndicate running smoothly and gives all members peace of mind.

5. How can we purchase tickets?

That’s down to the syndicate manager’s preference of what works best for them. They can either buy in a shop or purchase online through a computer or mobile device. If they choose to buy online they will either need to play through their personal National Lottery account or set one up if they do not already have one.

6. I already have an account – can I set up a separate one for my syndicate?

No. All online players are only eligible for one online account so each syndicate manager that chooses to play online, must play the syndicate lines through their own personal account.

7. How can I be sure the tickets have been purchased?

If you play online, the tickets purchased will show in your syndicate manager’s online account. To confirm to the members of the group that they are in the draw, syndicate managers can always share screen shots with the group to confirm that they are in the draw(s). If you play in-store, it’s often useful for the syndicate manager to a take a photo of or photocopy the pink ticket(s) to share with the team – and of course keeping them in a safe place is hugely important.

8. How will syndicate prizes won be divided?

Whether the manager chooses to play online or in-store, all prizes will be paid in full to the syndicate manager of the group. It is then the responsibility of the syndicate manager to distribute the winnings in accordance with the syndicate agreement. It is important to have a syndicate agreement to provide group clarity of how prizes will be paid out and when or whether they will be reinvested for the group play. Full details on claiming prizes can be found here.

9. Do we need to officially state we are a syndicate?

If a syndicate is played online, the syndicate manager will need to register or update their account to state that they are a syndicate manager. For tickets bought in retail store, this is not required. However you play your syndicate, the best way to ensure your winnings are tax-free is to set up a syndicate agreement. It creates a formal document with names of players and should be signed by an independent witness. Having such an agreement in place helps prove to the tax man that payments made to syndicate players aren’t ‘gifts’.

Play the lottery as a syndicate with friends, family or colleagues – download your syndicate pack today.

An Introduction to Lottery Syndicate

Last updated on September 24, 2020

A lottery syndicate is a lottery pool where a group of players buy lotto tickets and agree to split the potential winnings by the buy-in amount of each member. It is a cost-effective way to boost the chances of winning.

Lottery syndicates also provide a sense of pleasure and anticipation for members who are likely to experience several small wins, instead of just the faint hope of one massive jackpot.

You know the odds of winning the lottery are extremely small, but playing the lottery as a member of a syndicate improves your odds of winning, and it can be a great deal of fun.

Syndicates can be comprised of friends, family members, or co-workers. You can join an already established group.

There are syndicates listed online, but review those carefully before deciding to join one. Becoming part of a company of strangers, where there is little oversite, can make it easy to fall victim to con artists and scammers. Research any syndicate, especially one comprised of strangers, carefully before sending money.

Table of Contents

The Pros of Joining a Lottery Syndicate

  • Syndicate players split the cost of the agreed-upon number of lottery tickets, meaning it costs less to play a larger number of lottery tickets.
  • Having more lottery tickets increases the chances of a winning ticket.
  • The larger the syndicate, the better your chances of recouping some of the money you spend.
  • When splitting amongst the members, smaller jackpots can help off-set the cost of regular play.
  • You can still pick your numbers, and use calculators or the Lotterycodex, to increase your chances of a winning ticket. For a free guide to mathematically improving your odds of winning, check out the free guide.
  • It is fun to participate with other people, and you can build camaraderie and share strategies with those in your syndicate.
  • The larger the syndicate, the higher the chances of winning a sizeable jackpot.
  • A syndicate is not a permanent commitment, so you can join one and see if it is the right fit. If not, you can always move to another syndicate or establish one yourself.

The Cons of Joining a Lottery Syndicate

  • All winnings are split between the members of the syndicate, reducing any sized payout.
  • The more syndicate members there are, the lower the potential payout on any winnings.
  • Informally established syndicates can result in a legal battle if one, or more, of the syndicate members, becomes greedy over a payout.

The Lottercodex System

The Lotterycodex is a lottery calculator that performs combinatorial math with probability measurements. The complex mathematical equations of probability and combinatorics allow you to play the lottery with a strategy instead of relying on blind luck. (see the complete list of calculators)

There is no magic formula that guarantees a winning result, but there are strategies proven to increase the chances of winning. When consistently using the same strategy, within a large syndicate, you increase (but cannot guarantee) your odds of winning a jackpot. (see The Lottery’s Winning Formula According to Math)

Those who play the lottery with a proven system have an increased chance of winning. Syndicates have a significantly higher chance of winning a jackpot than does an individual. Combine those two facts into playing a proven strategy within a large syndicate, and you can see the apparent benefits of using a tool like the Lotterycodex for your syndicate.

How Should You Organize a Lottery Syndicate?

In a typical syndicate, the organizer will collect the money to buy the tickets and then hold them until the lottery is held. More sophisticated syndicates operate on a system and offer several benefits to its members. Lottery tickets are bought with an established system for selecting numbers, such as using a mathematical calculator to improve the odds of winning.

In addition to playing the lottery within a syndicate, with a solid strategy, you should take a few other steps to protect all members of the group.

  • Draw up a simple contract that spells out the terms of the syndicate, including:
    1. If there is a minimum buy-in
    2. Detail exactly what formula will be used to divide the winnings
    3. Will there be a cap on how many people are allowed into the syndicate?
    4. Who will be in charge of the money and purchasing the tickets? Establish an oversight plan that protects the members of the group.
  • Set forth clearly a zero-tolerance policy of late or non-payments. The contract should clearly state that the forfeit any rights to a portion of the winnings if they have not paid their part by a set date.
  • With potential winnings that are taxable, the entire group must agree to split the tax burden equitably.
  • A current list of all the players’ names
  • The name or names of each game or games the syndicate will play
  • The date the syndicate begins
  • Use a legally binding lottery syndicate form, available online, but make sure it applies to the country and state where you reside.
  • Include detailed information, including resources, so that those who join the syndicate can research the method or system you have decided to use to choose numbers.
  • If you have decided to use the Lotterycodex and the associated calculator to choose numbers, invite members to review the free guide to understand the play system.
  • Have a section for contact information. Every member should have a way to contact the syndicate manager, and the syndicate manager needs the contact information for each player.
  • If you choose to accept advance payments, for instance, allowing players to pay from six months to a year in advance, you also need a simple clause dealing with inheritance issues in the event a member dies while still in active play.
  • Have every member of the group sign the contract, and preferably have each signature notarized.

Too many relationships have been ruined with disputes about money. It can be tempting to join an informal syndicate of friends and family and never think about the consequences because these are all people you trust.

The vast amounts of potential money in a lottery jackpot can change people. You have to worry about the people in your syndicate honoring the informal terms. Also, each person will be under tremendous pressure from their friends and family.

Given that everything today comes with a set of “terms and conditions,” taking a few minutes to set up a legally binding agreement is more than worth the effort to protect your potential winnings and relationships.

The simple steps above can help avoid hurt feelings, disagreements, or damaged relationships between members of the syndicate.

Should You Form Your Syndicate or Join One Already in Place?

If you do not have the time, or inclination, to do the modest amount of work that establishing a legally binding and well-played syndicate, then joining a reputable existing syndicate is the right choice for you.

However, if you found yourself interested in the Lotterycodex formula and want to establish a type of systematic play that increases the odds of a win, you need to develop your own syndicate. The benefits of creating a syndicate of your own include:

  • You can make sure everyone abides by a legally binding contract that will offer protection in case of a big win.
  • You can establish the system your syndicate will use to play the lottery.
  • You do not have to worry about being taken in by online scams, or the problems that can arise in an informal syndicate with no strategy and no contract.
  • You have better odds of winning when you combine strategy with the purchasing power of a syndicate.

Building a syndicate does come with responsibilities. First, along with the contract, as the syndicate manager, you should create and have your signature notarized on a statement stating that you promise to distribute all winnings among equitably among the syndicate members. It will also be your responsibility to:

  • Make sure that each player pays for their tickets, and note any who miss payments. Note that they will be removed from any potential pot of winnings
  • Buy the tickets and hold them in a secure place
  • Check the tickets to see if the syndicate is due a prize
  • You should also establish a method for other members of the syndicate to view the ticket numbers. It makes it more fun for everyone and creates a checks and balances system that keeps everyone apprised of winnings, etc.
  • Collect the winnings and distribute them as agreed. Most larger syndicates have clauses that winnings below a certain threshold will be used to purchase additional tickets for the next round.
  • Keep track of the syndicate contract, and make sure members that leave are removed and new members are added.
  • Establish agreements about what will happen if a player does not pay on time or decides to leave the syndicate.

Tales of Syndicates that Have Won Big

On January 1, 2019, a lottery syndicate made up of 23 co-workers from Long Island, won a $437 million jackpot. The winners set up an LLC so that they could claim their prize anonymously. They took the lump sum payments, which after taxes came to about 7.65 million dollars per person. A representative from the syndicate stated that they played the lottery every week, but only contributed one dollar per person. 1

In Tennessee, twenty co-workers from the North American Stamping Group took home a jackpot totaling $254 million. Each participant in the group will receive $12.7 million. 2

In March 2012, the Mega Millions jackpot soared to $656 million. Three separate tickets matched the jackpot drawing, and one of the tickets belonged to a syndicate that called themselves the “Three Amigos.” Their portion of the jackpot was $218.6 million. It’s not a bad return on their combined sixty dollars worth of tickets. The “Three Amigos” elected to remain anonymous, but the youngest member is the one who had bought the ticket. She called her two other syndicate winners, and they immediately met to sign and secure their winning ticket. Each member walked away with $35 million after taxes. 3

The luck of the Irish seems to be an authentic expression when looking at syndicate winners from Ireland. In 2016, a syndicate comprised of friends won over sixty-six million Euros. In 2016, twenty-two colleagues from Dublin won twenty-three million and eight hundred thousand Euro jackpot. In 2017, another Dublin syndicate claimed an eight-eighty million and five hundred thousand Euro lottery winning. Again, in 2019, another small family syndicate from Dublin won one hundred seventy-five million euro. 4 , 5 , 6

Given that most syndicate winners choose to remain anonymous, we don’t know much about these winners’ personal stories. It is not hard to imagine the excitement and thrill of winning such a substantial jackpot, and hope their friendships grew along with their newfound wealth.

Even with smaller jackpots, can you imagine the fun of calling your friends and family with the news that you had all just won thousands or even millions of dollars? Most of us have had conversations at one point or another in our lives that started with, “If I won the lottery….”. These lucky groups were able to live what most of us can only fantasize about. However, remember the adage, you can’t win if you don’t play.

Remember, Playing the Lottery Should Be Fun

The entire point of a lottery is to provide entertainment. Of course, everyone loves the stories of the winners who have their lives changes with a few randomly generated numbers. Just make sure you, and hopefully other members of your syndicate, do not lose perspective. Winning the lottery is not a sound financial plan.

Regardless of how sanctioned it is, the lottery is still a form of gambling. Like all other types of gambling, if you should play responsibly, you can do significant damage to your financial well-being if you don’t. Budget how much you can reasonably afford for the pleasure of playing the lottery and do not stray outside those bounds. If you find yourself having trouble following the guidelines you have set for yourself, reach out for help.

Gamblers Anonymous was founded to help people cope with a gambling addiction, and they have chapters all over the world. The only requirement for help is the desire to stop gambling. There are no fees associated with membership, and their chapters are open to anyone. Compulsive gambling is a real problem that can do untold damage. If you find that the lottery or any other form of gambling controls your life or harm your finances or relationships, please seek help. 7

You can ask for help through their website by calling their international numbers to get immediate assistance.

Can a lottery syndicate really help you win the lottery? Certainly, especially if the syndicate understands the right mathematical strategy. ]]>