Step 1 of 5

Add Skins

Select Skins from the game picker to bet on every hole. You can add Skins alongside other games like Stroke or Match Play.

Skins works with 3, 4, or 5 players. Set it up before the round or add it mid-round from the Bets tab.

Tip: Skins is the most popular add-on game. It keeps every hole exciting because any player can win on any hole.

Step 2 of 5

Set Your Stakes

Choose your wager per skin and toggle carryover for ties. When carryover is on, tied holes roll into the next hole — making later skins worth more.

Pick between Pot mode (fixed buy-in split by skins won) or Per Skin (flat rate per skin). Enable Net scoring so handicap strokes apply automatically.

Carryover is what makes skins exciting. Three ties in a row means the next skin is worth 4x — one hole can swing the whole game.

Step 3 of 5

Score Each Hole

Enter scores hole by hole. The app handles handicap strokes automatically — you just tap the score, and it figures out the net result.

The live bets section below the scorecard shows skins results updating in real time as you play.

Net scoring means higher-handicap players get strokes on harder holes, leveling the playing field for your skins game.

Bets View showing skins results and carryovers

Step 4 of 5

Watch the Skins Fall

Bets View shows who won each skin, carryover values building on tied holes, and running totals for every player.

Tap any game card to expand the full hole-by-hole breakdown. Carried holes show a C marker, and the next outright win collects the accumulated value.

Player P&L at the top updates after every hole — green for up, red for down. No mental math needed.

Step 5 of 5

Collect Your Winnings

Final settlement shows net payouts between all players. The app calculates exactly who owes who so there's no arguing on the 19th hole.

Tap Settle Up to send payments straight to Venmo with one tap. Share the scorecard with your group to prove you earned it.

Tip: Skins payouts combine with any other active games (Stroke, Match, etc.) into one net settlement per player.

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More Guides

Round Setup Guide Side Bets Guide Team v. Team Tournament Guide View All Guides →

The Best Skins Golf Betting App

Skins is the most popular hole-by-hole betting game in golf. The rules are simple: the player with the lowest score on a hole wins the "skin." If two or more players tie, the skin carries over to the next hole, building the pot. Settle Up Golf automates the entire skins game so you can focus on playing.

The app supports both Pot mode (everyone buys in, pot splits by skins won) and Per Skin mode (flat dollar amount per skin, paid by each losing player). Toggle carryover on or off, choose Gross or Net scoring, and enable OTL (off the low) for mixed-handicap groups. Every configuration calculates payouts automatically after each hole.

Skins works great as a standalone game or stacked with other side bets like Stroke, Nassau, or Match Play. It's available in both regular rounds and tournaments where each group runs their own skins game independently. New to the app? Start with the round setup guide.

How to Play Skins in Golf