Unlike the Asian version, the draw remains an option in the European Handicap. It is also known as a "Three-way Handicap" (1X2) and only uses whole numbers (+1, -2, +3).
Are there refunds in European Handicap?
No. There are no refunds or void bets in this market. You either win or you lose based on the three possible outcomes.
Practical Example: European Handicap -2
Imagine a match between Manchester City vs. Burnley, where you bet on the Draw (Handicap -2):
| Actual result | Result with handicap | Bet outcome |
| Manchester City wins 3–0 | Manchester City wins 1–0 | Lost (Manchester City won by more than 2) |
| Manchester City wins 2–0 | Draw 0–0 | Won (you correctly predicted the adjusted draw) |
| Manchester City wins 1–0 | Burnley wins 0–1 | Lost (the handicap resulted in a win for the away team) |