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Bayern Munich vs Union St Gilloise Betting Tips & Prediction – Handicap in Play in the Champions League

vedran-ostojic
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Last updated: Tue 20 Jan 2026 15:09
Union St Gilloise is not performing well in their recent UEFA Champions League matches, losing three of their last four games. Their next match presents a daunting challenge as they face the in-form Bavarians at home, where experts suggest that a home win with a handicap is the safest bet. The conclusion is that the Belgian squad may not stand much chance against this strong opposition. Hence, betting predictions favor a Bavarian victory considering their current form and Union St Gilloise's recent struggles.
Vedran Ostojic 20 Jan 2026
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  • Bayern Munich's form in 2026 is intimidating
  • We are backing them to win in handicap on Tuesday
  • Check our preview for Bayern Munich vs Union St Gilloise
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Bayern Munich are tipped to win in handicap (Getty Images)

Bayern Munich’s results have been impressive this season. They crushed Leipzig 5-1 as visitors last weekend, so I find it hard to imagine Union SG doing any better at Allianz Arena. 

Key Stats  


  • Bayern Munich have won 8 of their last 9 matches. 
  • Bayern Munich have covered a –3 handicap in 3 of their last 4 matches. 
  • Union St Gilloise have lost 3 of their last 4 matches (Champions League). 

No Previous Meetings 


This is going to be the first head to head match between Bayern Munich and Union St Gilloise. 

Bayern Look Unstoppable in 2026 


After a 3-1 defeat to Arsenal in the Champions League in late November, Bayern Munich have gone on an excellent run, recording eight victories and one draw across all competitions. 

In their most recent UCL outing, the Bavarians outclassed Sporting Lisbon 3-1 at home to stay second in the table with 15 points after six rounds (five wins, one defeat). 

Vincent Kompany’s side look unstoppable domestically. They crushed RB Leipzig 5-1 away from home last weekend, netting all five goals in the second half while firing 19 shots and posting a huge 4.57 xG. Bayern currently sit alone at the top of the Bundesliga with 16 wins and two draws, holding an 11-point advantage over Dortmund. 

European Struggles for the Belgian Side 


Union Saint-Gilloise’s UCL playoff hopes are hanging by a thread, having collected six points from six matches and sitting in 27th place with three wins and three defeats. 

Their most recent Champions League clash against Marseille was an entertaining one, losing 3-2 at home despite Anan Khalaili scoring a brace. Kevin Mac Allister thought he had equalized deep into stoppage time, but the goal was ruled out by VAR. Interestingly, USG finished the match with just 0.66 xG. 

David Hubert’s side are performing well domestically, topping the Pro League table after 21 rounds and sitting three points clear of St Truiden. Last weekend, they secured a narrow 1-0 home win over Mechelen. 

Predicted Lineups & Team News 


Bayern Munich (4-2-3-1) Manuel Neuer; Joshua Kimmich, Dayot Upamecano, Jonathan Tah, Alphonso Davies; Aleksandar Pavlovic, Leon Goretzka; Michael Olise, Jamal Musiala, Luis Diaz; Harry Kane 

Bayern Munich have no injury concerns ahead of this match, while Konrad Laimer is serving a one-game suspension. 

Union St Gilloise (3-4-1-2) Kjell Scherpen; Alexis Mac Allister, Christian Burgess, Ciaron Sykes; Sofiane Boufal, Adem Zorgane, Siebe Van de Perre, Ousseynou Niang; Anouar Ait El Hadj; Kevin Rodriguez, Emmanuel Akinpelu 

Raul Florucz is the only absentee for the visitors, recovering from a calf injury. 

Verdict

Union St Gilloise are not looking good on the European scene, losing 3 of their last 4 UCL games. I don’t think they stand a chance against in-form Bavarians, a home win in handicap being the best bet. 

Best Bet1: Bayern Munich -3 Handicap @13/10 at Hollywood bets - 2 Units
Bayern Munich -3
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Bayern Munich v Union Saint Gilloise