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3:2 vs 6:5 Blackjack
Why the natural-blackjack payout is one of the most important numbers on the table.
Quick answer
At the same $10 stake, a 3:2 natural blackjack wins $15 while a 6:5 natural wins $12. The $3 difference occurs every time a natural wins and compounds into a large long-run rule penalty.
Payout arithmetic
| Stake | 3:2 profit | 6:5 profit | Difference |
|---|---|---|---|
| $10 | $15 | $12 | $3 |
| $25 | $37.50 | $30 | $7.50 |
| $100 | $150 | $120 | $30 |
Effect on expected return
Wizard of Odds estimates 6:5 instead of 3:2 reduces player return by about 1.39 percentage points under its rule-variation benchmark. That change is often larger than several favorable minor rules combined.
What to verify online
Read the game information panel or paytable. A blackjack title or table graphic does not prove a 3:2 payout.
Insurance is separate
The natural payout and insurance payout are different rules. Do not confuse “blackjack pays 3:2” with insurance, which is normally a separate 2:1 side wager.
Sources
Related reading
Responsible gambling: Gambling involves financial risk. Never chase losses or gamble with money needed for essentials. Eligibility and legal age vary by jurisdiction.