Hi Lo 13 Blackjack Microgaming


General Overview

Gambling and casino games have been around for hundreds of years.  While places like Las Vegas and Monte Carlo still draw huge crowds of tourists, many people have taken their gaming to the internet.  Online Casinos have become almost more popular than physical casinos in the gaming world.  Microgaming was the first company to introduce an online casino and they are now the biggest provider of online casino game software.

One of the more popular online casino games is the Hi Lo 13 Blackjack Microgaming series.  It is played like regular Blackjack with a European twist.  There are two possible bets you can make on one hand, thus increasing your chances of winning (or losing as your luck may be on that day).


The main difference in Hi Lo 13 Blackjack is the side bet that is placed before the cards are dealt.  What this means is that after you have placed your virtual bet in the “click to place bets” area, you then make a second bet in one of the 3 circles on the side marked “Lo”, “Hi”, and “13”.

  • “Lo” means that you bet your two cards to be lower than 13.
  • “Hi” means that you bet your two cards to be higher than 13.
  • “13” means that you bet your two cards are exactly 13.

After the cards are dealt, the side bet is immediately decided by the sum of the first two cards dealt to you.  If they equal lower than 13, your payout is 1 to 1.  If they equal higher than 13, your payout is 1 to 1.  If they equal exactly 13, then your payout is 10 to 1.  Because of this unique way of betting, it is possible to win or lose both bets or to just win one of the bets.  The winnings from the side bet are dealt and then the regular game of Blackjack continues.

According to European rules, Hi Lo 13 Blackjack Microgaming is played with two decks.  The dealer, as in normal Blackjack, stands at 17.  The second part of the game is played like regular Blackjack.  The object of the game is to get a higher hand than the dealer without going over 21.  Once dealt your cards, you can hit, stand, split or double just like regular Blackjack.  The payout is a 3 to 2 payout for 21 and a 1 to 1 payout for any other hand.

Bonus Options

Some of the options included in the online version of this game include game speed, sound and auto play.  You decide, through settings, when you want the play to stop.  For example, it can stop after you have won or a specific amount you have won.  One particularly helpful option is the Stats tab.  The statistics displayed will show you the results from the number of games played, time elapsed, amounts won and the highest number of winnings.  For those who are expert gamers, other statistics are offered.  Whichever way you decide to play, you will find Hi Lo 13 Blackjack a fun new twist on an old game.


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