The 3 to 2 payout is the single most pivotal rule in Blackjack for beating the house
edge. This guide explains everything you need to know about the 3:2 pay scheme, from
how it works to why it’s so crucial for better odds against the casino. We’ll break
down the math behind 3:2 payouts, compare it to inferior options like 6:5, and
highlight key stats that prove why this one rule is critical above all others.
3 to 2
Payout: The Rule That Runs BlackJack
This crucial rule refers to the amount received
when the Blackjack player has a hand amounting to 21.
You will find it written in large
letters on most casino tables. The statement refers to one of the most basic rules of
the table game.
Simply put, the pay rule means that you will receive £3 for every £2
wagered, or an equivalent percentage. This rule is slightly better than simply having a
better hand than the dealer’s. This latter situation has a 1 to 1 rule. Thus, if you
beat the bank with a hand that falls short of the 21 value, you get the equivalent of
your wager.
The Blackjack Pays 3 to 2 In
Action
£1→£1.5
£2→£3
£3→£4.5
£5→£7.5
£10→£15
£20→£30
£50→£75
£100→£150
£200→£300
£250→£
375
£1000→£1500
Blackjack Payout Chart
The Bets The Standard Pay Blackjack 3:2 Insurance
2:1 Non-Blackjack Win 1:1
These bets are essential for any version of the game.
However, the insurance option will not always be available.
Beyond the basic betting
schemes, British players can play at tables with several side bet types. The 21+3 and
Perfect Pairs side bets in Blackjack are some of the most frequently
encountered.
Perfect Pairs Table
Pair Type Pay Scheme Unsuited 5:1 / 8:1 Unsuited &
Same Colour 10:1 Suited 25:1 / 30:1
21+3 Bets Table
Bets Pay Table Flush 5:1 Straight
10:1 Three of a Kind 30:1 Straight Flush 40:1 Suited Three of a Kind 100:1
Hot3
Table
Dealer’s Hand Value Pay Scheme 19 1:1 20 4:1 21 20:1 Three 7s 100:1
Hot3 bets
consider the sum value of your two initially dealt cards as well as the dealer’s
upcard.
Bust It Table
Cards on Bust Pay Table 3 Cards 1:1 4 Cards 2:1 5 Cards 9:1 6
Cards 50:1 7 Cards 100:1 8 Cards 250:1
Bust it wagers concern the number of additional
cards held by the dealer when busting. Naturally, the odds of having five playing cards
or more get rapidly slimmer, corresponding to a higher return.
British table game
players will also find four rarer types of betting schemes:
Royal Match
Super
Sevens
Lucky Ladies
Over/Under 13
These are the blackjack payout tables for each:
Royal
Match Table
Match Types Pay Table Royal Match 5:2 Suited Kind and Queen 24:1
Super
Sevens Table
Number of Sevens Pay Table 1 Seven 3:1 2 Unsuited Sevens 50:1 2 Suited
Seven 100:1 3 Unsuited Sevens 500:1 3 Suited Sevens 5000:1
Lucky Ladies Table
Pairs Pay
Scheme Unsuited 4:1 Suited 10:1 Suited & Same Rank 25:1 2 Queens of Hearts 200:1 2
Queens of Hearts & Dealer 21 1000:1
Tips Over/Under 13 is a side bet type that has you
wager on whether the sum of your cards exceeds 13 or stays below it. If it is 13, you
will generally lose the bet, but some casinos will allow betting on having exactly a 13
sum.
Why is the Blackjack 3:2 payout more important than other bet types?
You can see
from the tables that the standard rule pay amount is lower than that for other side
bets. Its importance comes from the fact that, as opposed to side bets, which are
optional, the 3:2 payout is always “on the table.” More so, most results that end up in
a successful side bet have low odds of occurrence.
However, from the basic Blackjack
odds theory, the probability of getting a natural blackjack is better.
Odds for a 3:2
Payment
1 Deck of Cards – 4.826%
2 Decks of Cards – 4.779%
4 Decks of Cards – 4.756%
5
Decks of Cards – 4.745%
6 Decks of Cards – 4.749%
8 Decks of Cards – 4.745%
Get Better
at Reading Payouts
To better assess the Blackjack 3 to 2 meaning, you should understand
how to quickly figure out how much real money a successful bet returns.
The 3:2 payout
has a proportional formulation that may prove difficult to read for British players
unaccustomed to Blackjack game slang. You have seen that for a £2 wager, you will
receive £3, but there is a simpler way to see the return for any bet amount.
Tips
Standard rules pay amount is equivalent to 1.5:1. To determine how much you get back
following a successful round, you should multiply your initial bet by 1.5.
Learning to
read payouts properly will help you quickly tell apart a bad bet from a worthwhile one.
You can reduce the general process to a few simple steps:
Steps to Figure Out Blackjack
Payout Amounts
Find out the Blackjack payout for the bet. Divide both numbers by the
second one. Multiply your bet with the first result.
This process will show you the
resulting return. You have seen how the pay scheme works for low wagers.
How much do
you get for a £25 bet, based on the Blackjack pays 3:2 rule? You start by dividing the
numbers by 2. You get 1.5:1 instead of 3:2. Then you multiply your initial wager by the
first number. Thus, you get £25 × 1.5 = £37.5.
This approach will work for any pay
scheme that is given in the proportional formulation.
Examples of Different Payouts for
a £25 Bet
1:1 pays out £25.
5:2 pays out £62.5. This value is equivalent to 5 divided
by 2 and multiplied by £25.
9:1 pays out with £225, or nine times your wager.
6:5 pays
out with £30 since 6:5 is the same as 1.2:1.
Blackjack Pays 3 to 2: What it means for
the House Edge
It is the standard rule for classic tables. However, it will not be the
only one you will find in gambling environments.
Casinos have started showing a greater
variation in the table game options and rule versions. One place where available games
will differ is the player Blackjack payout. Nowadays, most of the best online casinos
in the UK will also feature tables where the ‘Blackjack Pays 3 to 2’ is replaced by
6:5, 2:1, or even 1:1 payouts, as is the case for Switch options.
The Importance of the
Blackjack 3 to 2 Payout
There’s one clear reason why the 3:2 rule has fallen out of the
casino’s favour, especially with the advent of its 6:5 counterpart.
Be aware The 6:5
Blackjack payout rule is disadvantageous to the player and raises the house advantage
by about 1.3%.
Nonetheless, the 6 to 5 amount is still better than the 1 to 1 pay
scheme that you find in Switch Blackjack games. Some tables can also have a 7 to 5 pay
rule, which is also worse than the standard.
Tips The best rule variant has a 2 to 1
return. This option is even better than the standard table game payment rule.
These
facts may not come to light outright, but if you use the algorithm of discerning
returns for a wager, you will see the difference:
Payout Chart Comparison
Pay Scheme
Variations Fractional Equivalents The Return for a £5 Bet House Edge Effect 3:2 1.5:1
£7.5 +0% 6:5 1.2:1 £6 +1.360% 7:5 1.4:1 £7 +0.453% 1:1 1:1 £5 +2.266% 2:1 2:1 £10
-2.266%
Tips There also is an additional rule that provides a 2 to 1 return for suited
blackjacks. This option also has a wide effect on the overall table game house
advantage.
The Blackjack 3:2 Payout Chart, Visualised
You may be surprised to see
negative house edges in some instances. A negative house advantage indicates that you
would effectively profit, and the bank will lose funds in time.
The reason is that we
kept the same rules while the return on 21 was the only free variable. This approach
should make it clear why the standard 21 pay scheme is so important.
Payout Chart
Conclusions
The 2 to 1 pay scheme is the best option out there. However, games with
this rule will have other rule specifications to raise the house advantage and make the
tables profitable for the gambling enterprise. The 3:2 table game versions are the
standard ones present in most Blackjack rules . They also tend to be the most
advantageous for British Blackjack players. If they also have a suited 21 rule, then
the house edge will be balanced by some other rule variation. Do not participate in 6
to 5 game versions. The same goes for the Switch version that has the 1 to 1 payment.
The house advantage additions, in this case, make them worse than the standard payment
version. 7 to 5 versions are still worse and are only a good alternative for the 6 to 5
and 1 to 1 tables. They may be an option if they have extra betting variations that
lower the house edge, for example, the suited 21 rule. While the standard card game 21
payment variant is the fairer among the options, rule variations will change the
standard house advantage. Our British readers should know how each bet option changes
the house edge.
Blackjack 3 to 2 Versions
We establish the standard game to have the
following rules:
It has eight card decks in play. Dealer stands on soft 17. You can
double on any two cards and may double after split. You cannot resplit. Naturally,
Blackjack pays 3 to 2. Dealer peeks for 21. No surrender. No number card bonuses. The
cards get shuffled after each hand.
Under these rules, the standard house edge is
0.488% for hands and 0.433% for wagers.
Blackjack 3 to 2 Payout Chart with Rule
Deviations
The house advantage for standard pay rule games increases by 0.213% per hand
and 0.188% per your wagers. This change is one of the highest isolated effects per a
single rule.
On the other end of the spectrum, in the specific case of blackjack 3 to 2
payout games, the ability to split a pair of aces reduces the bank advantage by a value
between 0.166% and 0.187%. However, the biggest perk you can have at such a table is
the 2 to 1 pay scheme for suited 21 hands. This added rule will reduce the overall
house edge by a whopping 0.567% per hand and 0.337% for wager.
In the standard rule
setup for the Blackjack 3 to 2 payout option, you would effectively make money in the
long run.
These conditions will be crucial for choosing your correct table, but the
following rule effects are still to be considered.
How Do the Card Decks Affect
Blackjack 3 to 2 Payout Games
Rule Deviations Effect on house edge per wager Effect on
House Edge / Hand Six Decks -0.024% -0.027% Five Decks -0.044% -0.049% Four Decks
-0.073% -0.081% Two Decks -0.222% -0.247% One Deck -0.532% -0.594%
As a rule of thumb,
the fewer the card decks in play, the better your odds are for a win. Ideal options are
double deck or single deck games, although these are rare in online casinos. It does
not mean, however, that you will not find Blackjack casinos that feature such options,
among many others.
Surrender Variation Effects
Double Down Effects on Blackjack 3 to 2
Payout Versions
Any limitation on what cards you may double down on will add to the
house advantage and, in turn, decrease your chances to win. However, the effect of the
double on 9 to 11 rule is almost non-existent when considering the house advantage per
each hand.
Resplit Rules and Their Effects
The more hands you are allowed to resplit
to, the better your resulting pay chances. Naturally, being allowed to resplit aces
gives you a considerable edge.
Dealer Peek Effects on Standard Game Versions
Dealer
Peeks for 21 – 0% for your hand and 0% for a wager.
Dealer Doesn’t Peek for 21 –
+0.123% per hand and +0.119% per wager.
Dealer Peeks on Ace – +0.114% for a hand and
+0.11% for a wager.
Dealer Peeks on Ten-Value Card – +0.023% per hand and +0.02% per
wager.
Split bets are lost on peek – +0.041% for your hand and +0.037% for your
wager.
Bonus Pay Effects, Rated
5-card Charlie: -1.444% per your hand and -1.292% per
your wager. Six-card Charlie: -0.309% for a hand and -0.279% for wagers. Five or
more-card 21 pays 2 to 1: -0.227% per hand and -0203% per wager. Five-card 21 pays 2 to
1: -0.185% per hand and -0.166% per wager. Seven-card Charlie: -0.159% per hand and
-0.033% per wager. 777 pays 3:1: -0.090% per hand and -0.081% per wager.
We have to
note that the 777 3 to 1 bonus can come with the several-card Charlie or multiple card
21 payouts. Thus, the best option for additional bonus payouts to the 3:2 rule would be
the five-card Charlie plus the 777 3 to 1 payment rule.
What Comes Next? Advancing Your
Blackjack Skills
Now you have attained a solid grasp on the Blackjack pays 3 to 2
meaning of the rule and the difference between it and other pay versions. Additionally,
we have provided scientific data regarding the effects of other rule variations on the
standard 3:2 tables.
You have effectively begun your journey to understanding the table
game and playing in an informed and safe manner. Our specialists on the subject will
also provide you with the steps you need to follow up with now:
Follow-up Study Steps
