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Country: gb Page generated at: Thursday, 16 July 2026 at 5:38:15 British Summer Time
whs
World Handicap System
What are the handicap allowances in golf?

published: Dec 5, 2024

What are the handicap allowances in golf?

Steve CarrollLink

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Here’s what your handicap allowances are for each format of the game under the World Handicap System

90% handicap allowance world handicap system

Table of Contents

Jump to:

  • Golf handicap allowances under whs
  • Frequently asked questions about the world handicap system

How many shots do you get, or have to give away, when you play golf? When we play a competitive round of golf, we usually do so to some kind of handicap allowance.

Why do we need them? The Rules of Handicapping say “handicap allowances are designed to provide equity in different formats of play, over both 9 holes and 18 holes”.

That’s because, according to a USGA FAQ, higher handicap players have the increased potential to shoot lower net scores and, in certain formats, players with lower course handicaps could be at a disadvantage.

They are applied to an unrounded Course Handicap and the result is the Playing Handicap you’ll take into that particular format of play – whether it’s an individual Stableford or a Texas Scramble.

The R&A and USGA set out the recommended allowances when the World Handicap System was established in 2020. They say that for medium-sized individual stroke play events they will give “all players a similar chance of finishing in the top 10% when playing well”.

In match play, or team events, the allowances are designed to “give each player or team the same chance of winning”.

But what are those allowances? Some of the below will be obvious and ingrained into the memory, but what a Chapman greensomes, or a three player scramble?

If you’re looking for a Stableford handicap allowance, or a 4bbb handicap allowance, here are those for the most popular formats of the game…

handicap allowances

Golf handicap allowances under WHS

Individual stroke play, Stableford, par/bogey, maximum score: 95%

Fourball stroke play: 85%

Fourball Stableford: 85%

Fourball par/bogey: 90%

Individual match play: 100%

Fourball match play: 90%

Foursomes: 50% of combined team handicap

Greensomes, Pinehurst/Chapman: 60% low handicap + 40% high handicap

Best 1 of 4 stroke play: 75%

Best 2 of 4 stroke play: 85%

Best 3 of 4 stroke play: 100%

Best 4 of 4 stroke play: 100%

Scramble (4 players): 25% low/20%/15%/10% high

Scramble (3 players): 30% low/20%/10% high

Scramble (2 players): 35% low/15% high

It’s important to remember that these handicap allowances only count as part of Playing Handicaps. They do not have any bearing on the score differential that is calculated when you return an acceptable score under the World Handicap System.

world handicap system

Frequently Asked Questions about the World Handicap System

What is it?

Also known colloquially as WHS, the system was developed by the R&A and USGA together with existing handicapping bodies around the world.

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Designed to be unified, it aims to provide a “single, consistent measure of playing ability that calculates a golfer’s handicap in the same way regardless of their location in the world”.

It is now used by more than 120 national associations. With the Rules of Golf, Rules of Handicapping and Rules of Amateur Status under a single set of regulations, WHS brought handicapping under the same umbrella.

What are the benefits?

The R&A, on their website, say the benefits of WHS are:

  • Consistency of calculation around the world;
  • Portability of handicaps from course to course and country to country;
  • As the world becomes a smaller place with a much greater frequency of international play, the development of a single handicap system facilitates easier administration of international events;
  • The potential for National Associations to focus attention on other areas. 

How does it work?

Your Handicap Index is worked out from the lowest scoring differentials in your record. A full record is considered to be one that contains at least 20 scores.

The index is then calculated by averaging the best eight of those 20.

Having obtained a Handicap Index, that is converted into a Course Handicap which takes into account the difficulty of the course and the tees from which you are playing.

Working out that number requires considering a number of factors, including Course Rating, Slope Rating and Bogey Rating.

In competitions only, depending on the format, an allowance can then be applied that changes the Course Handicap.

But this Playing Handicap, which aims to provide equity, does not affect the Score Differential produced for your handicap record.

Now have your say

What do you make of these WHS handicap allowances? Is 90 per cent too much for fourball match play? Should individual scores always be at full handicap? Let us know by leaving a comment on X.

  • NOW READ: Why is a handicap allowance used in my club competitions?
  • NOW READ: Should you have to submit every score for your golf handicap?

About the author

Steve Carroll
Steve Carroll

A journalist for more than 25 years, Steve has been immersed in club golf for almost as long.

A former club captain, he has passed the Level 3 Rules of Golf exam with distinction having attended the R&A’s prestigious Tournament Administrators and Referees Seminar.

Steve has officiated at a host of high-profile tournaments, including Open Regional Qualifying, PGA Fourball Championship, English Men’s Senior Amateur, and the North of England Amateur Championship. In 2023, he made his international debut as part of the team that refereed England vs Switzerland U16 girls.

A part of NCG’s Top 100s panel, Steve has a particular love of links golf and is frantically trying to restore his single-figure handicap. He’d like to tell you he floats around 10. The reality is more like 13.

Steve plays at Sandburn Hall, in York, and is a country member at Close House in Newcastle. He has served on various club committees during his time in the game, and is the current Rules Secretary at Sandburn.

Having studied history at Newcastle University, he became a journalist having passed his NCTJ exams at Darlington College of Technology. He began his career working on weekly papers in Newcastle, before joining the York Press in 2001. After five years as a news reporter, he joined the sports desk – specialising in horse racing and snooker – and was Digital Sports Editor when he joined National Club Golfer in 2016.

What’s in Steve’s bag: TaylorMade Stealth 2 driver, 3-wood, and hybrids; Caley 01T irons 4-PW; TaylorMade Hi-Toe wedges, Odyssey 2Ball Microhinge putter.

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