3:2 vs 6:5 Blackjack Explained

Quit Throwing Your Money Away - 3:2 vs 6:5 Blackjack Comparison

8 min

Forget everything you know – not all Blackjack is created equal.

While 6:5 Blackjack may seem superior, it pays you less, costing you substantially in winnings over time. This guide elucidates how 3 to 2 Blackjack offers markedly higher payouts and superior overall odds for players. Learn to discern each Blackjack variant, analyse discrepancies in house edge, and pinpoint good 3:2 games in online casinos that transfer advantage back to you.

The Blackjack Battle is Over Before It Started – 3:2 Crushes 6:5

The Blackjack Battle is Over Before It Started – 32 Crushes 65

Casinos will try to do anything to hide this essential and verifiable fact: 3:2 Blackjack is simply better for the player.

No other rules and conditions take such a toll on the operator’s advantage against the participating players. You really have no reason to choose the 6:5 Blackjack versions.

Unfortunately, there may be situations where you have no other choice. Given the current developments around brick-and-mortar casinos, this could soon be a reality for physical gambling venues. Live casino sites can afford to host considerably more game rooms, so they will probably always have 3:2 Blackjack options.

Nonetheless, specific approaches can help with both game types, regardless of the payout.

What applies to both

  1. Learn the Blackjack’s odds and basic strategy charts to increase your chances; these will apply to both types
  2. Read UK casino reviews before registering with any platform; pay extra attention to the table game titles featured on it
  3. Always check for welcome bonuses and if playing table games with these promotional funds is possible
  4. Pay attention to other rules that can give you an edge – the number of decks in play is essential; hence, learn about Double Deck Blackjack.
  5. Blackjack insurance bets are generally useless, giving you no advantage; learn why and try to avoid it
  6. Try to learn betting systems like the Blackjack Martingale strategy; use them only once you understand their limitations
  7. Control your betting and keep playing responsibly and consciously; the most important game is played beyond the felt table

Blackjack Payout Rules Made Easy – A Beginner’s Guide to 3:2 vs 6:5

Blackjack Payout Rules Made Easy – A Beginner’s Guide to 32 vs 65

The two game versions that gained popularity on UK Blackjack sites differ by the payout gamblers receive when they win with Blackjacks, i.e., a hand totalling 21.


Payouts for Blackjacks are among the most essential rules of Blackjack, together with the conditions for the dealer on hitting or standing on a soft 17.

How 3:2 Blackjack payout odds lower the house edge

Beating the dealer’s hand with cards that sum up to less than the 21 maximum results in a 1:1 payout. This means that the paid amount matches your initial bet. In the less likely event of getting cards that sum up exactly to 21, you get a slightly higher payout.

More than informing you regarding the money you receive in this situation, the two rule variations directly play into another theoretical aspect of these table games.

Payout rules affect the house edge

The payout ratio for Blackjacks will influence the theoretical house edge of the game you play. In other words, it will change the average amount the casino is expected to keep from the players in the long run.

3:2 vs 6:5 Blackjack based on house edge

The notion that Blackjack pays 3 to 2 is often considered the standard. It generates a 0.411% house edge.

The newer version that starts being favoured by gambling operators, 6:5 Blackjack, increases the house edge up to 1.770% with the same rules.

The rules for the standard version

We have used the following specifications for the rules unrelated to payouts. The game uses eight decks. You can double on any two cards. It has late surrender, allows no resplits, and the dealer stands on soft 17s and peeks for Blackjacks. There is no Charlie bonus.

What it means for your funds

What the house edges indicate is that, in a 3:2 Blackjack game, the casino is expected to keep 0.411% out of your total wagered funds. If you bet a total of £100, the casino will (theoretically) profit by £0.411. In 6:5 Blackjack, the operator will expectedly keep £1.77 from the same sum.

Payout rules influence the house edge independently of others

Regardless of other rules, the rules for Blackjack’s payouts have an independent effect on the house edge. 3:2 Blackjack is considered standard, and thus, the rule adds 0%. The 6:5 rule has a net increase of 1.359% for the house advantage.

House advantage effects range per rule type

Rule type Effect range Best case Worst case
Number of decks -0.547% to 0% One deck Eight decks
Doubling +0.093% to +0.175% Double on any 2 cards Double on hard 10-11
Surrender -0.558% to +0.077% Full early surrender No surrender
Resplits -0.055% to 0% Resplit up to 4 hands No resplits
Double after split 0% (standard)
Hit split aces 0.19%
Resplit aces -0.125% to -0.105%
Dealer soft 17 0% to +0.199% Dealer stands on s17 Dealer hits on s17
Dealer peeks 0% to +0.109% Dealer peeks for BJ Dealer does not peek
Blackjack’s payouts -2.268% to +2.268% Blackjacks pay 2:1 Blackjacks pay 1:1
Charlie bonus -0.01% to 0% 7-card Charlie No Charlie bonus
Can’t split 4s, 5s and 10s +0.003%


  1. The house edge we present is only relevant when using the basic strategy
  2. Beyond the basic strategy, applying composition-dependent exceptions lowers the house advantage by 0.002%

Tilt the Odds in Your Favor with 3:2 Payouts

Tilt the Odds in Your Favor with 32 Payouts

When considering your chances of success or minimal losses, the 3:2 Blackjack versions are statistically better.

These have the better house edge (sometimes presented as its reverse, the return to player rate) and thus provide better chances to keep your balance, at least.


The only better options in matters of payouts are 2:1 payout versions. These game types have a negative house edge of -1.857% with our previously established rules. Thus, you would effectively win money to the detriment of the casino.

Always check for 3:2 Blackjack

Thus, the nature of your table games and their house advantage becomes an additional criterion of choice for your platforms.

When covering UK casino bonuses, we stress the fact that table games are often excluded from promotional play. There’s a better scenario where operators allow players to play these games but lower their wagering contribution to less than 100%. This restriction will mean that only a fraction of the total of your wagered money will contribute to the bonus rollover.

Be aware

  1. Table games frequently have wagering contribution percentages ranging from 10% to 20%
  2. No deposit bonuses on sign up may exclude these games entirely; read the terms and the specifications we provide before opting-in


A lower contribution will mean more expenses during turnover. Thus, the funds you can recover by playing become important in the long run.

How Casinos Use 6:5 Blackjack to Pad Their Pockets

How Casinos Use 65 Blackjack to Pad Their Pockets

The best UK online casinos, on the other hand, started prioritising 6:5 Blackjack. The market trend is solely explainable by this version’s perks for the operator.

The 6:5 Blackjack payout rule is detrimental to the player. Operators will try to balance it out by adding other preferential regulations that would lower the house advantage. However, these efforts are doomed to fail due to one fact.


The payout rule has the most significant effect on Blackjack’s theoretical house advantage.

The second most effective rule variation revolves around the Blackjack surrender option. To make a long story short, early surrender for all cards provides the highest decrease in casino advantage.

Another mistake

One common misconception around 6:5 payouts is that they are larger than those from 3:2 Blackjack.

This comes from the apparent difference between the numbers expressing the payouts. However, both rules are expressed in the form of ratios. Once you simplify them, you can see how you get fewer funds for Blackjacks.

3:2 vs 6:5 Blackjack payouts simplified

Alternate expressions 6:5 3:2 Non-Blackjack win
Simplified ratio 1.2:1 1.5:1 1:1
Payouts for £1 £1.2 £1.5 £1
Payouts for £5 £6 £7.5 £5
Payouts for £10 £12 £15 £10
Payouts for £50 £60 £75 £50

3:2 vs 6:5 Blackjack payouts by bet size

32 vs 65 Blackjack payouts by bet size

The linear increase of the differences in payout for higher bets is explainable by the way 3:2 and 6:5 Blackjack payouts work. The funds you receive always depend on the wager you have placed. For each £1, you get £1.2 in 6:5 Blackjack and £1.5 in 3:2 Blackjack.

The discrepancy between the two payouts amounts to 0.3 times your bet. For £1, this only amounts to £0.3 less for 6:5 Blackjack. In the case of £10, the difference grows to £3, while, for a whopping (and inadvisable) £100, 3:2 Blackjack games would make £30 more for a 21 hand.

Final Thoughts – Stick to 3:2 for Better Odds

There’s a reason they call 3:2 Blackjack “the standard” – it simply provides way better odds and payouts for players. We hope this breakdown of 3:2 vs 6:5 Blackjack has armed you with the knowledge to make the smartest bet.

Look for those 3:2 tables, brush up on basic strategies, and watch your bankroll and enjoyment of the game skyrocket. Avoid 6:5 like the plague – its only purpose is padding casino profits. Blackjack is beatable, but only if you play with the proper rules. Use your new expertise to seek out 3:2 Blackjack and get the upper hand over the house. Just remember – knowledge is power, so use it wisely.

Adina Minculescu
AuthorAdina MinculescuSenior Author & Editor at CasinoAlpha

Adina’s analytical way of thinking is what gamblers need to understand the casino market. With her expertise in this niche combined with her studies in linguistic typology and hermeneutics, you will get the essential help to make informed financial decisions. Let her be your reliable guide!

Tudor Turiceanu
ReviewerTudor TuriceanuCEO & Chief Editor at CasinoAlpha

Tudor Turiceanu uses his multiple systematic skillsets to oversee and coordinate the CasinoAlpha project. He assists the authors in creating a transparent gambling niche for users. As a CEO and Chief Editor with broad knowledge, Tudor knows the importance of transmitting confident advice.