Let’s start with the user interface of a typical crypto blackjack game. Opening a Blackjack game in an online casino will show you the following:
- The dealer
- The table with seats, both available and occupied
- The shoe (the device used to hold and dispense the cards)
The most popular version of the game is played with 6 decks of 52 cards, however you may come across versions that use anywhere between 1-8 decks. Make sure you read each game’s info page before you start playing - you should understand what you’re getting into.
Once you take a seat, the betting options will become available to you. Depending on the game, you may be able to take multiple seats at the same table. You will also see betting chips with different values, which you can click to choose your betting amount. The betting limits will vary, depending on the table. You will have a predetermined amount of time to place your bets, usually marked by a countdown timer on your screen. Then the dealer will draw cards for everyone.
The objective of the game is to score as close as possible to the number 21, without going over it.
Face cards are worth 10 points and number cards are equal to their face value, while aces can either be 1 or 11 - the player decides.
You are not playing against other players on the table, but against the dealer.
1. Starting the game
Starting clockwise, the dealer gives each player and themselves one up-facing card (for the dealer, this is known as the upcard). Another round of cards is dealt face-up for the players, but the dealer gets a down-facing card (the hole card). So, each player has 2 up-facing cards and the dealer has one up-facing card and one down-facing card at the start of the round.
2. Blackjack or Naturals
When a player is dealt an Ace and a "ten-card" (a face card or 10) as their first two cards, it's called a natural or blackjack. This can play out in the following ways:
- If the player has a natural and the dealer does not, the player receives a payout of x1.5 their bet immediately - 3:2.
- If the dealer has a natural, they collect the bets of all players without naturals.
- If both the dealer and a player have naturals, it results in a tie, and the player's bet is returned, or Pushed.
- When the dealer's initial card is a ten-card or an Ace, they check their facedown card to see if they have blackjack. If the initial card is neither an ace or a ten-card, the dealer reveals the hole card card later in the game.

Hitting and Standing
Players start from the left of the dealer and choose to "stand" (keep their current hand) or "hit" (request additional cards to reach or get closer to 21). If a player's total exceeds 21, they go "bust" and lose their bet to the dealer.
Aces combined with non-ten cards create "soft hands" allowing the ace to count as 1 or 11. For instance, a "soft 15" (Ace and 4) can be counted as 5 or 15. Players can adjust their strategy based on this flexibility, drawing cards to improve their hand or adjusting the ace's value if they bust.
Depending on your hand and the dealer’s hand, more options may become available to you:
❇️ Insurance bet
If the dealer’s upcard is an ace, before players take their turns, they can choose to place an insurance bet, a side bet of up to half the original bet. You’re basically wagering that the dealer’s hole card is a 10-card (a face card or a 10), thus making the hand blackjack.
If the dealer does get Blackjack, the hand ends and players with insurance bets win, with a payout of 2:1 on the half-amount insurance bet. Essentially, insurance bets allow you to break even for the round in case the dealer draws Blackjack.
If, however, the dealer does not get blackjack, then you lose your insurance bet and your original hand bet stands until the round is resolved.
❇️ Split Pairs
If a player is dealt two cards of the same rank, such as two Kings (K) or two sevens (7), they have the option to split them into separate hands during their turn. To do so, the player places an additional bet equal to their original wager on the second hand. The player then plays each hand individually, starting with the left-hand side, deciding to stand or hit before proceeding to the next hand. The dealer settles each hand separately based on its outcome.
When splitting Aces, each Ace receives one additional card and no further cards can be drawn. Additionally, if a ten-card is dealt to one of these split aces, the payout is equal to the original bet (1:1), not the usual 3:2 payout for a blackjack in other situations.
❇️ Double Down
Players can choose to double their bet if their initial hand totals 9, 10, or 11. They place an additional bet equal to their original wager and receive one more card face down, which remains concealed until the hand concludes.
If dealt two fives, players have the option to split the pair, double down, or proceed with their hand as usual. Importantly, dealers do not have the ability to split or double down.
Remember, you don’t have to do any of the above, they are just additional choices that become available to you under specific circumstances.
When the players finish their turns, it is now the dealer’s turn.
4. The dealer’s turn
After dealing to all players and any optional bets have been placed, the dealer flips over their face-down card.
- If the dealer's total reaches 17 or more, they must stand.
- If their total is 16 or less, they are required to draw another card.
This process continues until the dealer's total is 17 or higher, at which point they must stand.
However, if the dealer holds an Ace that can be counted as 11 without exceeding 21, they must count it as 11 and stand. Unlike the dealer, who follows automatic rules for every play, players have the option to decide whether to draw additional cards or not.
