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Ever wondered what is the most crucial rule on the Blackjack table? Experts explain the

Blackjack 3 to 2 payout and its purpose for the New Zealander gambler.

Blackjack pays 3

to 2

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 receiveR$3 for everyR$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?$0.15

$5?$0.75

$1?$1.5

$2?$3

$3?$4.5

$5?$7.5

$10?$15

$20?$30

$50?$75

$100?$15

0

$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, players in New Zealand 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.

Table game

players from New Zealand 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 always is �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%

How to Better Read 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 New Zealand players unaccustomed to Blackjack games slang. You have seen that for

aR$2 wager, you will receiveR$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 aR$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 getR$25 � 1.5 =R$37.5.

This approach

will work for any pay scheme that is given in the proportional formulation.

Examples of

Different Payouts for aR$25 Bet

1:1 pays outR$25.

5:2 pays outR$62.5. This value is

equivalent to 5 divided by 2 and multiplied byR$25.

9:1 pays out withR$225, or nine

times your wager.

6:5 pays out withR$30 since 6:5 is the same as 1.2:1.

Blackjack Pays

3 to 2 Meaning for House Edge

It is the standard rule for classic tables. However, it

will not be the only one you will find in online casino New Zealand sites and

venues.

Casinos available in New Zealand 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, the best casinos 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 for which 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 aR$5 Bet House Edge Effect 3:2 1.5:1R$7.5 +0% 6:5 1.2:1R$6

+1.360% 7:5 1.4:1R$7 +0.453% 1:1 1:1R$5 +2.266% 2:1 2:1R$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 when Blackjack

basic rules are concerned. They also tend to be the most advantageous for New Zealand

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 New Zealand 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 from New Zealand. It does

not mean, however, that you will not find online 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 wagers. Seven-card Charlie: -0.159% per hand and

-0.033% per wager. 777 pays 3:1: -0.090% per hand and -0.081% per wagers.

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.

The First Step to Understanding

the Game

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

Get

the hang of all other blackjack rules and table game basics. Study the table game odds

of successful runs from fact-based sources. Get a thorough grip on the basic strategy.

Beyond the choice of your table options, this will be the main method in which you

reduce the objective house advantage. As part of this previous step, you will need to

memorise the basic strategy charts for the rule variations you play with. Once you have

some theory under your belt, scour the blackjack sites currently available for New

Zealand customers. Pay attention to the rule variations available and the betting

limits, plus online casino basics that our reviewers will make light of. Spend some

time with the online games you chose and practice your skills. Make sure to stay in

control of your gameplay and only stick to responsible and theoretically backed

decisions.

Find out about better methods of approaching the table game and reducing the

house advantage. Delving deeper into your study will imply understanding basic game

deviations. You may start taking notes and keeping track of discarded cards and finally

finding better betting approaches. You may find out about card counting or investigate

the feasibility and utility of approaches such as the Martingale blackjack system. The

strategy does not necessarily inform your in-round play but can structure your betting

across several rounds.