In HiLo you see a card and guess whether the next one is higher or lower. The payout for each guess follows from the chance: a guess that is likely pays little, a long shot pays a lot, and you can cash out between cards.
Below: the chance and payout for every rank at a 1% edge, and how each draw can be recomputed from the seeds.
Short answer
It depends on the card shown. With ace low and each card drawn from a full deck, a 2 is followed by a higher card 11 times in 13; a 7 is followed by a higher card 6 times in 13. The payout is set so every guess returns the same 99% at a 1% edge.
Pays about 1.17x.
Pays about 2.15x.
Pays about 12.9x.
Some games pay higher or same instead of strictly higher. That changes the chances; read the game rules.
Ranks in the deck; each has a 1 in 13 chance as the next card when cards come from a full deck.
The payout for a guess at a 1% edge.
Safe guesses and long shots cost the same on average.
When each card is drawn from a full deck, earlier cards tell you nothing about the next.
Rules
Check how the game treats a card of the same rank and whether aces are low or high.
Odds per card
Ace low, each card from a full deck, strictly higher or lower, at a 1% edge.
The payout tracks the chance; no rank is a better bet than another at the same edge.
| Card shown | Higher | Pays (higher) | Lower | Pays (lower) |
|---|---|---|---|---|
| A | 92.3% | 1.07x | 0.0% | – |
| 2 | 84.6% | 1.17x | 7.7% | 12.87x |
| 3 | 76.9% | 1.29x | 15.4% | 6.44x |
| 4 | 69.2% | 1.43x | 23.1% | 4.29x |
| 5 | 61.5% | 1.61x | 30.8% | 3.22x |
| 6 | 53.8% | 1.84x | 38.5% | 2.57x |
| 7 | 46.2% | 2.15x | 46.2% | 2.15x |
| 8 | 38.5% | 2.57x | 53.8% | 1.84x |
| 9 | 30.8% | 3.22x | 61.5% | 1.61x |
| 10 | 23.1% | 4.29x | 69.2% | 1.43x |
| J | 15.4% | 6.44x | 76.9% | 1.29x |
| Q | 7.7% | 12.87x | 84.6% | 1.17x |
| K | 0.0% | – | 92.3% | 1.07x |
Computed at a 1.00% house edge, a common setting; each casino states its own edge in the game rules.
Provably fair Example data
A common scheme used by seed-based HiLo. Each casino documents how floats become cards on its fairness page.
The casino fixed the server seed before you chose your client seed, so it could not pick results after seeing your bets.
That the casino will pay a withdrawal, that the edge is low, or that third-party slots are fair.
| Nonce | HMAC (first 24 hex) | Bytes | Float | Result |
|---|---|---|---|---|
| 0 | 38c0c40f1f9e9819b4a2983d… | 56, 192, 196, 15 | 0.2216913735 | 0.2216913735 |
| 1 | a327563c3edf83d13664150d… | 163, 39, 86, 60 | 0.6373189827 | 0.6373189827 |
| 2 | 60fbb2cf47c64dc7ef6ad8ae… | 96, 251, 178, 207 | 0.3788406139 | 0.3788406139 |
| 3 | 362dc279939d6eb39ae2e91b… | 54, 45, 194, 121 | 0.2116357370 | 0.2116357370 |
| 4 | 3c870f617d3fe4c053de9824… | 60, 135, 15, 97 | 0.2364358532 | 0.2364358532 |
Computed from the demo seeds shown. Casinos differ in message format and in how floats become results; follow the casino's own fairness page.
Patterns and exceptions
What it means: choose by the swings you want: guesses near the ends win often and pay little, middle cards pay about 2x.
Chance = ranks above or below ÷ 13, ace low, card drawn from a full deck. Computed, not measured.
Method
What we read before a casino appears in the list above.
We read the house edge or RTP the casino states for its HiLo game and whether the payout table is published.
We check that the casino documents its provably fair scheme and lets you set your own client seed and rotate the server seed.
We note the licence the casino states and read the bonus terms for game weighting and maximum bets.
We list the coins the casino accepts and the identity checks it states for withdrawals.
We check for deposit limits, loss limits and self-exclusion you can set yourself.
Crypto originals are built in-house, so each casino chooses its own edge and payout table. We read them from the game's info panel instead of marketing copy.
We may earn a commission when you sign up through our links. It does not change the maths on this page.
Glossary
Not when each card is drawn from a full deck, which is how many seed-based HiLo games work. Every draw has the same chances. Check the game rules.
It depends on the game. Some pay higher or same and lower or same, others treat a tie as a loss or offer a separate same bet. The payouts shown before you guess include it.
None at a fixed edge. A 2 or a king gives a near-certain win with a small payout; a 7 gives about a coin toss at about 2x.
It proves the casino did not change a result after you bet. It does not lower the house edge, and it says nothing about whether the casino pays withdrawals. See our provably fair casinos for how casinos document it.
Any coin the casino accepts plays the same game. A stablecoin such as USDT keeps your balance steady in dollars while you play; a volatile coin adds its own price swing on top of the game's. Network fees differ by chain, see USDT casinos and stablecoins.
It depends on where you live. Many crypto casinos hold an offshore licence and are not licensed in your country. Check local law before you play, and remember crypto deposits cannot be reversed.
Play safely
Every casino we list sets an age limit, and some countries set it higher.
Responsible gaming →A crypto deposit cannot be charged back. Send only what you can afford to lose.
Set a budget →A coin balance can fall in value while you play. Stablecoins remove that swing, not the house edge.
Stablecoins →Free, confidential help is available if gambling stops being fun.
Gambling addiction help →Other crypto originals
