Hi-Lo 13

Hi/Lo 13 Blackjack Side BetsHi-Lo 13 is a special side bet that can be offered with any kind of real money blackjack game. The aim is to correctly guess whether your initial hand will total more than 13, less than 13, or exactly 13, with each result offering its own fixed payout. This enables you to rack up big profits in no time, and to walk away with something even when you lose the hand. As with all blackjack sidebets, however, there is a catch – so read on to find out all the facts and figures before you hit the Hi/Lo 13 tables.

How the Hi-Lo 13 Bet Works

The Hi-Lo 13 side bet is completely independent of your main blackjack wagers. This means you can lose the hand but still win the high-low bet, and vice versa. Neither result has any effect on the other. Click here for more information on blackjack side bets.

Hi-Lo 13 blackjack tables will have three boxes separate from the standard betting sections, offering each of the following options:

Lo – Win if your hand totals less than 13 – Pays 1 to 1
Hi – Win if your hand totals more than 13 – Pays 1 to 1
13 – Win if your hand totals exactly 13 – Pays 10 to 1

To wager on any of these outcomes, you must place your betting chips in the appropriate betting box at the start of the round – i.e. before the deal, as with any standard blackjack wager. The high/low bet is paid out as soon as your first two cards are dealt.

There are no soft hands when it comes to the Hi-Lo 13 wager, as all Aces count as one point for the purpose of the side bet. For example: if we wagered that our hand would be over 13 and we drew A + 3, we could not play it as 14 and thus would lose with a hard total of four points.

Remember, this rule only applies to the side bet. Once that outcome is decided, normal conditions resume and Aces can count as either one or 11 points, as per usual.

House Edge Effect

Side bets in 21 are notorious for promising much but delivering only disappointment, and real money Hi-Lo 13 games are no different. Even the most statistically sound wager on offer – over 13 – hikes up the casino’s mathematical advantage by well over 6.5 per cent.

Here’s how the high/low side wager affects the house edge, depending on the number of decks in play:

Decks Used 1 2 4 6 8
Over 13 (High) +6.79% +6.65% +6.58% +6.55% +6.54%
Under 13 (Low) +7.09% +7.99% +8.44% +8.58% +8.66%
Exactly 13 +10.11% +10.08% +10.07% +10.07% +10.06%


Microgaming Hi/Lo 13 European Blackjack

If you are located outside of Australia, like 21 sidebets and want to try your hand at Hi Lo 13, the easiest way is to play online at Royal Vegas – our #1 Internet blackjack casino for international players. Here, among dozens of other interactive BJ titles, you will find Hi-Lo 13 European Blackjack Gold. This far and away the most prominent version of the high-low betting format, as part of the flagship Gold Series by Microgaming – the industry leader in Web casino software.

Microgaming Hi-Lo 13 European Blackjack Gold SeriesThe basic rules here are very similar to MG’s other Euro 21 releases:

– Two decks
– Dealer stands on soft 17
– Double down on hard 9, 10, or 11
– Cannot double after splits
– Can hit split Aces
– No surrender
– Insurance pays 2 to 1
– Blackjack pays 3 to 2

And as with all of the Microgaming Gold Series casino games, the gameplay quality is smooth as silk and the graphics are second to none. Meanwhile, a betting limit of $200 per hand caters for all types of blackjack players, and a house edge of around 0.40 per cent makes it good value – bearing in mind the extra risk that comes with taking the side bets, of course.