Blackjack

Blackjack is a casino banked game, meaning that players compete against the house rather than each other. The objective is to get a hand total of closer to 21 than the dealer without going over 21 (busting).

At the start of a Blackjack game, the players and the dealer receive two cards each. The players' cards are normally dealt face up, while the dealer has one face down (called the hole card) and one face up. The best possible Blackjack hand is an opening deal of an ace with any ten-point card.

The house advantage of this game is derived from several rules that favour the dealer. The most significant of these is that the player must act before the dealer, allowing the player to bust and lose their bet before the dealer plays.

Stand – If the player is happy with the total they’ve been dealt they can stand, taking no further action and passing to the next player. The player can take this action after any of the other player actions as long as their hand total is not more than 21. The hand signal to Stand is waving a flat hand over the cards.

Hit – If the player wishes to take another card they signal to the dealer to by scratching the felt beside their hand or pointing to their hand. A single card is then played face up onto their hand. If the hand total is less than 21 the player can choose to Hit again or Stand. If the total is 21 the hand automatically stands. If the total is over 21 the hand is bust, the player’s bet is taken by the house and the turn to act passes to the next player.

Double Down – If the player considers they have a favourable hand, generally a total of 9, 10 or 11, they can choose to 'Double Down'. To do this they place a second wager equal to their first beside their first wager. A player who doubles down receives exactly one more card face up and is then forced to stand regardless of the total. This option is only available on the player's two-card starting hand. Some casinos will restrict which starting hand totals can be doubled.

Split – If the player’s first two cards are of matching rank they can choose to place an additional bet equal to their original bet and split the cards into two hands. Where the player chooses to do this the cards are separated and an additional card is dealt to complete each hand. If either hand receives a second card of matching rank the player may be offered the option to split again, though this depends on the rules in the casino. Generally the player is allowed a maximum of 4 hands after which no further splits are allowed. The split hands are played one at a time in the order in which they were dealt, from the dealer's left to the dealer's right. The player has all the usual options: stand, hit or double down. Some casinos restrict the card ranks that can be split and may also restrict the option to Double after splitting a pair.

Payouts
If the player and dealer have equal unbusted totals the hand is considered a push and the player’s bet is returned.

If a player wins a hand they are paid out at 1:1 on the total bet wagered on that hand. For example if the player wagered $10 and then doubled down placing a further bet of $10 on the hand and won, they would be paid a total of $40, their $20 bet back and $20 winnings.

If the player has Blackjack they are paid at 3:2, so that a wager of $10 the player would be paid a total of $25, their $10 bet back plus $15 winnings.

If the player has placed the Insurance bet and the dealer has Blackjack, the player’s hand loses but the Insurance bet is paid out at 2:1. So if the player had bet $10 on the hand and $5 on the Insurance bet, they would lose the $10 and be paid a total of $15 – their $5 Insurance bet returned and $10 winnings. This effectively results in a push overall for the hand.