How To Build A Bankroll From Scratch in Poker

We Show You How to Get to Baller Status Starting With Just the Lint in Your Pockets!
From Zero To Hero

You've seen it on TV: thousands of poker players descending on Vegas each summer for the World Series of Poker Main Event, all of them either buying in direct for $10,000 a piece, being staked by friends, or satellite-ing in visa online or live qualifiers.

What most - if not all - of them have in common is that they built up their bankrolls from (mostly) humble beginnings (even Phil Ivey, even if the last time he boasted a miniscule bankroll was in about 1982).

So, what if you're a keen player but are a bit short of the readies? How can you effectively build up a poker bankroll from scratch and what happens if things go wrong?

With so many possibilities for online poker players in 2021 there's no reason not to establish a fairly sizeable roll from a meagre starting point - you just need to know where to look.

matt photo

You CAN build a bankroll from scratch from freerolls, but it's VERY difficult to build up to a BIG bankroll from scratch. Usually freerolls have large fields and you have to outlast a lot of opponents in a poor structure. The prizes are often also so small even at the top that you need to win several just to have a few buyins for other types of events or cash games. Most people would be better off depositing like $50-100 and using that as a working bankroll.

Matt Vaughan (Scourrge)

CardsChat forum member since 2008, has over $200k in live tournament winnings


How Can You Get Your Hands on BankrollOK, so you're starting the needle at zero - how can you get your hands on some dollars without whipping out the credit card and clicking the 'DEPOSIT' button?

Online freerolls should be your first port of call.

All sites offer freeroll tourneys to players, especially major poker rooms with plenty of cash to splash around and the new sites cropping up in 2021 who are after lots of new customers.

The prize pools on offer can vary - anything from $50 up - and the bigger daily freerolls can often attract thousands of players at the major sites, but they're certainly a great way to hone your skills and earn some bucks. Just bear in mind that time it takes to play these free-to-enter tournaments; playing for a few hours straight isn't worth it if you only come out the other side with a few dollars to your name.

Try Something New

While the majority of freerolls are in Texas Hold'em, scout around for freerolls in other disciplines like Omaha or Stud. These are great ways to learn a new game and also earn some quick money. There won't be too many entrants - at least, not compared to a Hold'em freeroll - and often times the players will be terrible. Learn a few basics in a new discipline and take advantage.

Private Freerolls and Magazines

Private FreeRollsEven if you're an experienced poker player, it's worth joining a few poker forums online - they're great places to learn tips, find out the latest gossip and also take advantage of some exclusive freerolls for members of the forum.

Forums are always doing deals with poker sites to entice new customers to their rooms, so jump in for free and play freerolls that will undoubtedly have much fewer runners than a site-wide freeroll.

Here at CardsChat, we have some of the best and most generous private freerolls of any forum on the net. Check out our freeroll calendar and also get involved in the forum - Freeroll Passwords for PokerStars, 888 Poker, Party Poker & more.

Also check out print magazines. To help promote traffic to new sites or existing sites' major events, magazines will run password-protected freerolls which will often carry a prizepool of around $2,000 or the equivalent in tourney tokens. You'll have to subscribe to the magazines or find passwords lurking on poker forums on the net.

These freerolls will often require you to set up a real-money account with a site (it goes with the territory) but there's nothing to stop you withdrawing any cash you win straight away, or re-investing it in a tournament or cash game

Building Blocks of Online Poker Rolls

OK, so let's say you have had a little success in the freerolls and there are a few dollars sloshing around your online account. What now?

1. Micro-Stakes Cash Games

Online Cash GamesIf you're a traditional cash game player you'll have a hard time finding free-to-enter games, but there's no reason you can't bulk out that bankroll by hitting up the micro-stakes tables.

All sites, regardless of size, will have plenty of full-ring NLHE cash games from $0.01/$0.02 up. And try to multi-table, remembering the bankroll management rules we've outlined below. Employ a sensible and rigid playing style, stick to 'ABC poker', play three or four tables to start with, and always load up the max buy-in when you sit down. (100bb or whatever the requirement is at your favorite site.)

If you live in a county with legalized online sports betting, try out those firms' poker rooms - they will often be full of players who've transferred some of their sportsbetting funds to the poker tables, often to 'try out' the games. These are ideal opponents for winning some quick, easy cash.

Even better - try out some of the new 'fast fold' cash games doing the rounds online at the moment. They basically work by changing your table as soon as you've folded, making it possible to get in a lot more hands in a shorter space of time, and if you play sensibly, grind a bankroll much faster. Some sites are moving towards even faster action, with cash games featuring limited 10bb buy-ins and only pre-flop action allowed. Some argue this is taking the thinking out of online poker, but it certainly adds an added 'gambling' element to the game.

2. Small Buy-in Sngs/Tournaments with GTD Cash

Are you a tournament player traditionally? There's no need to worry. There are plenty of added-value tourneys online to get more oomph from your dollar.

Look for the 'Guaranteed Prizepool' tournaments online - most sites have them. These will guarantee a certain amount of cash, regardless of how many players enter. Do your homework here - some sites with bad levels of traffic will still guarantee prizepools but will rarely meet them - this means more 'overlay' and more added value for you, the player. It doesn't take long to get to know who has the best guarantees, and when they're played. It's worth keeping notes on what days and what sites are best.

SIT 'N' Gos

Sit N Go Tournaments

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Online Sit 'n Gos are perfect if you have only got an hour or two and want an online fix. They're also great for winning some quick cash for your burgeoning bankroll. Sit 'n' Go entries start at just a few dollars, with top three normally paid out. Double or Nothing SNGs, meanwhile, start the action with 10 players but stop as soon as the field is reduced to 5, with everyone left simply collecting 'double their money'. While there's little incentive here to go for the win, they are good for guaranteeing an easy double-up as long as you play solid, tight-aggressive poker, and multi-table. If you have a little extra bankroll at your disposal, the iPoker network offers Jackpot Sit & Gos where you get rewarded with a big progressive jackpot prize if you can achieve a certain number of consecutive wins. They only start at $2, are 6-max, and can be a lucrative way of hitting it big for a relatively low outlay.There's sometimes a secondary jackpot up for grabs as well if you come at least 2nd in a series of Jackpot SNGs.

3. Earn A Great Welcome Bonus

Hit a certain target and you can begin to make the online poker sites work even more in your favour by tapping up some welcome bonuses.

All online poker sites offer 100 percent bonuses (or better) to new customers making a first deposit. They will all offer varying monetary levels but earning 100 percent up to $400 or $500 is not unusual.

Try Something NewHow do they work? Sign up for a new account, make a deposit and the money will be matched by the site as long as you 'play through' a certain number of tournaments or cash game hands over a designated time period. Trigger the bonus and the cash will be paid back to you in increments. While bonuses aren't suited to everyone they can be a good way of bolstering a bankroll if you're planning on playing a lot of online poker.

4. Learning Sensible Bankroll Management

Whatever level you're playing at - and even if you only have a few dollars to your name - you'll need to exercise sensible bankroll management so you won't go busto if things don't go your way.

Once you've got past the freeroll stage and have a bankroll, the general rule of thumb is to have a bankroll of 20-40 times the maximum buy-in at the game you want to play. So, for example, if your choice of game is $0.05/$0.10 No Limit Hold'em with a 100bb max. buy-in, that means playing with a bankroll of 20-40 lots of $10, or $200-$400.

And that's just for single table.

With tournaments, a buy-in of 5 percent of your total bankroll is recommended, so a $5 buy-in for bankrolls of $100 is standard. This gives you a sufficient safety net if things go wrong.

Many players don't play with a proper bankroll strategy - if any strategy at all - and that's a key reason why they go bust. Meanwhile, others like to 'take a chance' and play way above their bankroll in games that have far too big a buy-in or limit. Poker is a long-term game, and wins should be a slow process just as losses should make small dents in your finances.

Finally, get into the habit of having a separate bank account for your online poker. That might not seem too important when playing at the low levels, but if you manage to build up a substantial bankroll from scratch it's good to have a separate pot of funds from which to withdraw from and deposit to.

If Jesus Can Do It...

Before 2000 WSOP champion Chris "Jesus" Ferguson became a pariah for his involvement in the scandals at FullTilt Poker, he embarked on a famous bankroll challenge.

Ferguson started off playing freerolls on his sponsor's site - - and when he had a small bankroll started to move up the levels. His aim? To make $10,000 from a starting point of $0.00.

Try For YourselfThere were strict rules, of course: Jesus never bought into a cash game or SNG for more than 5 percent of his total bankroll, except the very lowest buy-ins ($2.50 or less) where he could buy straight in regardless of roll. As for MTTs, buy-ins were restricted to 2 percent or less of his bankroll at any time. If playing cash games, Ferguson would sit out if the pots got too big for his available bankroll.

Eventually, after some 18 months of trying, during which Ferguson slowly moved up the levels, he finally reached his goal of $10,000. A sensible bankroll management approach was key to him succeeding.

Think you can do the same? Why not try it for yourself. Set yourself a target bankroll, give yourself a time limit, and choose your games - then blog your progress or take to Twitter to tell everyone how you're getting on. You'll be surprised at how the challenge makes you view your own game and your own attitudes to building a poker bankroll.

Improve your game further by checking out even more poker strategies and guides or bring it back to basics with the poker rules for other poker variants.

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