Hi Lo 13 European Blackjack – Review and Free Play

This Microgaming blackjack variation has its own decent share of fans and high chances of becoming one of your favourites as well. Introducing the perfect combination of classic European rules, 3 super fun side bets, and a customizable inbuilt strategy card, this is one of the best ways to experience blackjack in all its glory. Keep on reading if you want to learn more and try it out for free!

Hi Lo 13 European Blackjack
Up to £150 Welcome Bonus
Game Rating:
  • Gameplay: 4.9/5
  • RTP: 4.9/5
  • Interface: 4.9/5
  • Settings: 4.7/5
Overall Score: 4.85/5
Unique Features:
  • Auto Play with Strategy Card
  • Unique Side Bets
  • Beautiful Design
Where you can play the game: 32 Red Casino
Full T&Cs apply. 18+ begambleaware.org New accounts only. Min. £10 deposit, debit card and PayPal only. Up to 50x wagering, game contributions vary, max stake applies. 7 day expiry.
Last Updated on 1 Feb 2022 by Chief Editor Harrison Newton
RTP: 99.60% Pays 3:2 2 Decks No Multihand ✓ Side Bets No Surrender
Page Contents:

Here’s what to expect from the upcoming review – we’ll begin with the basic rules, betting limits, and payouts followed by some strategy advice and tailor-made tips on how to maximise your wins while minimising the risks. At the end, you’ll be able to test the embedded free demo as long as you wish for and practice what you’ve learned in the previous paragraphs. So, if this sounds of any interest, stay with us until the end and later, take a look at the online sites for blackjack which we wholeheartedly recommend.

Hi Lo 13 European Blackjack Rules
RTP: 99.60%
Blackjack Pays: 3:2
Number of Decks: 2
Dealer Rule: stands on all 17
Dealer Peek: No
Insurance: Yes
Surrender: No
Split: Yes
Re-split: No
Double: on hard 9-11
Double After Split: No
Hit Split Aces: Yes
Side Bets: Yes
Multihand: No

How to Play

The game is played with 2 card decks following the standard European rules and the well-known goal of getting the total of your hand closer to 21 than the one of the dealer. The “Hi Lo 13” title is due to the specific 3 side bets which offer simple rules and great payout. Right after placing your normal bets, use one of the 3 side bet areas to wager whether your first two cards will be lower, higher or exactly a total of 13. A card total below or above 13 pays 1:1 while an exact 13 match awards the more exciting 10:1. Both regular and side bets are totally independent. Meanwhile, bets start from £1 going up to £200 for regular wagers and from £1 – £25 for the 3 side bets.

Except for this side bet extra, the game goes on as it normally would. Splitting is allowed only once on any two cards with the same denomination while a split ace with a 10-value card drawn afterward is considered a 21 result, not a blackjack. The insurance bet is offered when the dealer shows an ace as a first card and there is no peeking allowed.

Both surrender and doubling down after a split option are not available. Furthermore, you could use the super clever auto play feature which works together with an inbuilt strategy or try some of the visual and sound settings in the options menu to make it all look and sound just as you prefer.

The Ideal Strategy for Hi Lo 13 European Blackjack

Even though we are including the best possible strategy for Hi Lo 13 beneath this paragraph, you can also find it embedded in the game. However, the good news is that the player is not just allowed a peek when needed but all sorts of modifications according to their gambling preferences or personal style as well. Meaning that if you are supposed to stand in a certain situation you could easily change that and save it to be а Hit for all your next moves. Then after activating the auto play feature, all your preferences will become part of the strategy rules.

Progressive Blackjack Strategy Card

The strategy card is not almighty, though and even strictly following its rules doesn’t guarantee constant wins or sure progress. The reason is that the wining chances of the casino could never completely disappear. So, the best thing to do if you want to keep yourself in the game for longer is finding a good bonus offer to add to your balance. In the case of Hi Lo 13 European Blackjack, we consider 32 Red casinos to be the finest way to go about it. A £160 welcome bonus is what you’ll get as a startup offer. Check our full casino review right here for further details.

Experience the Game in Free Mode

Now, here is the perfect place and time for you to try the game in demo mode! Same quality, no-real-money risk, all features included. Use the rules guide we provided above, combine it with the strategy card and experiment, it will be fun and not risky at all. No doubt, the perfect overture before playing for real money.

Hi Lo 13 European Blackjack Free Demo

Instant play

Practicing your blackjack skills is the only way to get better and make the most out of your money when the real game starts. All you need are fast and optimal decisions which start to come instinctively after some time of test-paly in close partnership with your own intuition and the strategy card recommendations. After all, it’s always better to make mistakes in the demo mode and learn from that without consequences. So, take your time and place some demo wagers on the table!

Looking for the Best Real Money Casino?

Graphicly and payout-wise Hi Lo 13 European Blackjack shines bright with high quality and a pretty nice RTP. The side bets increase the house edge as all side bets do but add a lot of excitement to the overall gamble experience at the same time. One of the game’s highlights is surely the customizable strategy card in combination with the auto play option. However, there are some not so beneficial features as well e.g the no re-split rule or the double down restrictions. If you feel like changing the game, take a look at the 3 other blackjack recommendations below.

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