Very few blackjack players know the even money rule, let alone know how to play it correctly. In this guide to the Blackjack with Even Money explains how this rule works - and why you should avoid it at all costs.
Last checked and updated: February 2026 by Sara Devegano
What is Blackjack with Even Money?
Picture the scene: You receive a Ace und eine Bildkarte, was Ihnen den begehrten Blackjack und – normalerweise – einen schönen Zahltag beschert. Doch dann stellen Sie fest, dass die offene Karte des Dealers ein Ass ist. Jetzt werden Sie nervös, denn wenn die Abwärtskarte des Gebers eine Zehn ist, ist Ihr Blatt undecided, and you will receive no value for your blackjack hand.
At this Point you can ask for even money in most casinos. This means that you can invoke the rule before the dealer reveals his face-down card, and that you can use your Insert are paid out at a ratio of 1:1, regardless of which hand the dealer still has.
The reward is that you get some money winno matter what happens.
The risk is that the dealer will end up with no blackjack, and you would have won even more.
Die meisten Spieler, die die „Even Money“-Regel missbrauchen, gehen davon aus, dass es aufgrund der vielen Zehner, Buben, Damen und Könige im Deck sehr wahrscheinlich ist, dass der Dealer einen Blackjack bekommt. Anstatt sich dem Elend eines Push zu stellen, bei dem sie nur ihren Einsatz zurückbekommen, werden sie gierig und holen sich das Even Money.
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You have probably already heard of the Insurance in blackjack, which is available to all players on the Table is offered if the dealer has an ace on the card. We have already mentioned that you should never take out insurance, as this is not profitable in the long term.
For the same reason, even-money insurance is never a good idea. Game.
Should I use even money in blackjack?
In short, no. The math just doesn't add up. You're counting on the dealer playing blackjack enough times in the long run to make your move with Even Money worthwhile. But in truth, that's not going to happen.
Let's take a blackjack game with six Decks of cardswhere you have a blackjack and the dealer shows an ace. At 96 Cards with a value of ten (tens to kings), there is a 30.7 percent chance that the Opportunitythat the dealer has one of them to score a blackjack.
So that's a 30.7% chance that your hand will be a push. So it's much better to call even money and secure a win, you may think. Wrong thinking.
Look at the big picture: There is a 69.3 % chance that the dealer's face-down card will NOT count as a 10, meaning this is the state of the game if you do nothing:
In 7 % of the cases the dealer has a blackjack and you win 0 units of profit.
In 3 % of the cases, the dealer has no blackjack, and you win 1.5 units (a 3:2 payout).
If you work out these contingencies, you will find that your blackjack hand is worth about 1.04 units. So if you bet $10, the expected long-term profit of your blackjack hand, at least if the dealer's up card is an ace, is $10.40. Is it any wonder that casinos are eager for you to take Even Money and settle for $10 every time?
The casinos are not sneaky, of course. They are simply clever. They need to make money in order to survive, and therefore provide them with Rules like these have a tiny blackjack house advantage that helps them make winnings.
