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Chartwell Single Deck Blackjack

In Single Deck Blackjack, the object of the game is to beat the dealer by having a hand that totals 21 (without going over) or is closer to 21 than the dealer's hand.

Single Deck Blackjack Rules

1. Single Deck, shuffled after each round
2. Dealer must draw to 16
3. Dealer stands on soft 17
4. Blackjack pays 3:2
5. Insurance pays 2:1
6. Even Money pays 1:1
7. Double Down on 9, 10, 11
8. No Double Down on Splits
9. No Re-splitting
10. European No Hole Card - Player loses total bet on Dealer BJ, including splits and double downs.


Player is dealt two cards face up. The dealer is dealt one card face up. The "No Peek" rule in European Blackjack (which the Single Deck version of the game is based on) means that the dealer cannot check to see if he has blackjack until the second dealer card is dealt, after you have finished your hand. Therefore, if the dealer does end up with blackjack, you will lose any additional bets made. Of course, the dealer can only get blackjack on the hand if the first dealer card is a 10-value card or an Ace.

Dealer Offers:

Depending upon the dealer's upcard the dealer will offer either Insurance or Even Money.

1) Dealer Upcard is Ace, Player does not have Blackjack:

Offer Insurance

When the dealer's up card is an ace, and the player does not have blackjack, the player is offered "insurance". Taking insurance means the player makes a second bet (value is half the original bet) that the dealer has Blackjack. If this is the case, the player loses their initial bet but is paid 2 to 1 on the insurance bet. If the dealer does not have Blackjack, the insurance bet is lost. Once a player has selected insurance, the hand is played out. If the player busts, their original bet is lost but the insurance bet stays up until the dealer's hand is resolved.

2) Dealer Upcard is Ace, Player has Blackjack:

Offer Even Money

If the dealer's up card is an Ace and the player has a Blackjack, the player is offered 'even money'. Taking even money means the player believes the dealer also has Blackjack. When taking even money, player is instantly paid 1:1 by doubling the player's chip amount in the bet circle. Note: When taking even money, the player gives up the normal 3:2 payoff, whether the dealer has blackjack or not.

For hands that continue after the dealer actions, any of the following conditions may apply for the player:

1. Hit and Stand - On any hands where the player doesn't have a Blackjack, the player may "stand" (refuse any further cards), or "hit" (accept another card). A player can hit as often as desired until they select "stand" or they "bust" (exceeds 21). When you bust, you immediately lose your bet regardless of the dealer's hand result.

2. Double Down (player hands only)- You are betting that your hand can be won with one more card.

Players can double down if their two first card's hard totals on original hands, add up to 9, 10, or 11. Double downs cannot be applied to a Blackjack hand. When a player doubles down, the original bet is automatically doubled (a second chip appears) and the player receives one more card. Before double down After double down Note: You cannot "double down" after "splitting" a pair.

3) Split (player hands only)- if you are dealt two cards of the same value (such as two eights), the hand can be split into two separate hands. Before Split After Split When a hand is split, each card forms a new hand and is then played separately. The original bet amount is applied to the second hand automatically by doubling the chip amount in the bet circle. NOTE: If you split two Aces, only one more card will be dealt to each hand. A hand can only be split once meaning, if your third card was the same as the first two, it could not be used to create a third hand. A two card 21 total on a split is not a natural blackjack. If the hand does not push it will pay even money.


Once player hands have finished, the dealer deals his 2nd card. Insurance and winning hands are paid out as per stated rules (see Payouts).

The dealer must hit on 16 or less.

The dealer must stand on 17 (soft or hard).

If the dealer busts (exceeds 21), any player hands that haven't busted are winning hands.

When the dealer stands on 17 or greater with a higher count than the player's hand - the dealer wins; if the player's hand has the higher count - the player wins.

If the player and the dealer have the same totals, it's a "push" (tie). Your bet is returned to you. If dealer hand busts and player hand busts, dealer absolutely wins.

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