Blackjack 6 to 5 And Why To Avoid It

Expert Insights into 6 to 5 Blackjack: Strategy and Payout Guide

9 min

More and more 6 to 5 Blackjack games are popping up in top online casinos across the UK. But what does the 6:5 rule really mean for you and your money? A lot of smart players – more than 75% of them – stay away from these games for good reasons. We’re here to show you what 6 to 5 Blackjack is all about and why it’s important to understand the payouts before you play.

The Real Cost of 6 to 5 Blackjack: Understanding Your Payouts

The rule describes the amount you receive when you have a Blackjack, depending on your staked funds.

6:5 Blackjack is a variant of the most crucial condition among the rules of Blackjack, regardless of the medium you play it in. In classic 3:2 Blackjack, you’ll win £15 if you bet £10. With the 6:5 rule, you’ll only win £12 for the same £10 bet. The difference is huge even when crunching small numbers – imagine the impact in the long run!

This is informative for you as a player and dictates the statistical qualities that generate your odds of success and potential losses in the long run. The 6:5 payout rule is slowly becoming the standard for gambling in all forms, from Blackjack casino sites to brick-and-mortar casinos.

The reasoning behind this advent is simple – tables with Blackjack’s 6:5 rule variations bring in more profits per customer.

How to Quickly Calculate 6 to 5 Blackjack Payouts

How to Quickly Calculate 6 to 5 Blackjack Payouts

Rules for such hands are formulated in a ratio, including the 6:5 Blackjack version. The two numbers relate the payout to your original stake.

Steps to calculating the payout

  1. You take the amount you staked initially and divide it by 5
  2. You then multiply the resulting value by 6
  3. This new amount equals the payout you receive if you have a 21 hand

Alternative formulation for the payout

Instead of writing it as 6:5, Blackjack payouts can be simplified to a formulation that does not imply dividing your bet.


We can equivalently write 6:5 as 1.2:1. In this case, you can simply determine your payouts by multiplying your original stake by 1.2.

While simpler, from an algorithmic point of view, 1.2 to 1 is harder to memorise. You should learn the standard calculating procedure, even with the extra step. Here is a flowchart for calculating the resulting payout amount to make you remember it more manageable.

6 to 5 Blackjack payout chart

6 to 5 Blackjack payout chart

Here is how Blackjack pays 6:5 for £10

We assume that you initially stake £10 in a round. Once the dealer imparts your cards, your hand totals 21. Good job, you have won.

As for how much, here is the previous algorithm in motion: you divide the £10 by five and get £2. Then you multiply the £2 by 6. Your eventual payout would be £12. This payout does not include the original stake that you also recover.

21 payout vs winning with standard hands

Winning with a hand valued under 21 generally has a 1 to 1 payout. Essentially, the payout matches your stake.

In other words, for the £10 example, the payout for non-Blackjack wins is £10. Thus, a round in which your cards total 21 will always pay better.

Here are more examples of possible payouts for a 21 hand when Blackjack pays 6:5.

6:5 Blackjack payout chart for various values

Original bet The payout
£1 £1.2
£2 £2.4
£5 £6
£10 £12
£15 £18
£20 £24
£25 £30
£50 £60
£100 £120
£150 £180
£200 £240
£500 £600
£1000 £1200

How to tell 6 to 5 Blackjack tables from others?

You don’t even have to ask the dealer if a game has the Blackjack pays 6:5 rule. All games will have the 21-payout specified on the felt table.

Why is the Blackjack 6 to 5 Payout Chart Important?

Why is the Blackjack 6 to 5 Payout Chart Important

The importance of the payout rules is twofold. Firstly, it tells you how much you get in return for a 21-hand.

However, the same condition has statistical consequences that form your success rate and should inform your decisions.

What does Blackjack 6 to 5 mean for your odds?

The 6:5 rule has a direct toll on the overall house edge, a statistical value that describes the fraction of your bets that the casino will keep in the long run.


  1. Online casino sites will sometimes replace the house edge with the return to player. However, you must remember that the RTP is the reverse of the house edge
  2. Here is an example. If the RTP of a game is 99.4%, you can simply subtract it from 100%, and you obtain the house edge, i.e., 0.6%

How the 5 to 6 Blackjack payout affects the house edge

The Blackjack 6:5 payout increases the house edge of standard versions by 1.359% per hand and 1.204% per wager.

The resulting house edge from changing this rule alone is approximately 3.8 times the house edge per hand and wager. An increase in a game’s house edge means that, in the long run, and on average, the casino will retain more of your funds or statistically win more.

Other rules that affect Blackjack odds

Game rules House edge increase/decrease Resulting house edge
Standard 0% 0.411%
6:5 rule +1.359% 1.770%
Only double on hard 9-11 +0.0903% 0.504%
Only double on hard 10-11 +0.175% 0.586%
Only double on hard/soft 9-11 +0.0903% 0.504%
Early surrender against 10 -0.161% 0.250%
Full early surrender -0.558% -0.147%
No surrender +0.077% 0.488%
Resplit to 3 hands -0.046% 0.365%
Resplit to 4 hands -0.055% 0.356%
Hit split aces -0.062% 0.349%
Resplit aces +0.121% 0.532%
No double after split +0.121% 0.532%
Dealer hits on soft 17 +0.199% 0.610%
Dealer does not peek for 21 +0.109% 0.520%
Dealer peeks on ace +0.1% 0.511%
Peek with split bets lost +0.027% 0.438%
6-card Charlie -0.162% 0.249%
7-card Charlie -0.01% 0.401%

Rules for the standard version

  1. Eight decks
  2. Double on any cards
  3. Late surrender
  4. No resplits and double after split
  5. Dealer stands on soft 17 and also peeks for Blackjack
  6. Blackjacks pay 3 to 2
  7. No Charlie bonus


Peeking with split bets lost is a standard occurrence of games on Playtech casinos, even earning the moniker of Playtech peek.

The most significant negative effect on the house advantage occurs in the case of the Blackjack’s 6:5 rule, with the dealer hitting on soft 17 being a far second. On the other hand, being allowed the early surrender in Blackjack for any cards will give you the best advantage in the case of singular rules.

House edge effects visualised

House edge effects visualized

The number of decks also has an effect

The number of decks also has an effect

As a general rule of thumb, regardless of the limitations, the fewer the decks in play, the better your odds are. The house edge difference between one and two decks is incredibly high, but differences decrease as the number increases.

One-deck games are scarce on the market. The best you can often opt for are two-deck games. There is even a double deck Blackjack strategy dedicated to such options.

Blackjack 6 to 5 vs. 3 to 2: Impact on Long-Term Winnings

Blackjack 6 to 5 vs. 3 to 2 Impact on Long-Term Winnings

The best Blackjack online casinos will have games with varying rules, including tables with 6:5 and 3:2 payouts. You should always choose 3 to 2 Blackjack games.

Simply put, blackjacks will result in higher payouts in these games. The presence of the 3 to 2 Blackjack rule generates the standard 0.411% house edge (given all previously stated rules), lowering by 1.359% the house advantage of 6:5 tables.

Although it is the fairest among popular rule variations, the 3 to 2 version is not the only one. There are multiple alternatives to the “Blackjack pays 6:5” rule.

6:5 versus other payout versions

Payout variations Alternative ratio House edge (standard rules)
3:2 1.5:1 0.411%
6:5 1.2:1 1.770%
2:1 2:1 -1.857%
1:1 1:1 2.679%

The 6:5 Blackjack payout is the second poorest situation. While not immediately evident, this fact becomes apparent as you convert to the “to 1” ratio and calculate the objective house advantage.

When the house advantage is relevant

In Blackjack’s case, the house edge is computable and relevant when you use the basic strategy.

How to Increase Your Odds in 6 to 5 Blackjack

How to Increase Your Odds in 6 to 5 Blackjack

  1. Consult the odds of Blackjack for bets and practices before playing
  2. Learn the basic strategy for the rule variation that you choose
  3. If better payouts for blackjacks are unavailable, check the contributions and other rules; try to select games with the best odds
  4. Use casino bonuses when available to increase playtime while limiting spending
  5. Control your spending and remember that all featured games offer an advantage to the casino operator
  6. Use betting systems, like the double down strategy, only once you understand them and their implications

How to increase your overall experience

  • Pick legitimate casinos and try reading casino reviews before registering
  • Assess the platform features and functionalities, such as the extended game catalogue, payment methods, and promotional policy
  • See if the platform is currently hosting welcome bonuses
  • Check other popular table games in baccarat, craps, or roulette sites
  • Live casinos will provide the most immersive experience and multiple game types; try them out
  • There are few no deposit bonuses usable on Blackjack and table games; read the policy and reviews before opting in

Should You Still Try 6 to 5 Blackjack Games?

The bottom line is that such games provide worse odds for players. The rule’s popularity is explicable only by the operators’ wish to limit player chances.

While most developers will try to counterbalance the effects of this rule, it should become clear from the payouts chart that this specification has the heaviest toll on the house edge.

While we can advise you to go for other game variations, you should freely decide on your own. Proceed with full knowledge of the facts, and use our research tips to enhance your odds and experience.

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.