Atlassino Academy · Blackjack · Lesson 15 of 21

Spanish 21: a shorter deck and its own chart

A shoe of 48-card decks, a set of moves and payments the plain game has not got, and a chart that disagrees with the one in your pocket.

  • About 21 minutes
  • Illustrated hosts: Leo and Maya
  • Last checked 29 September 2026

The sign says Spanish 21. The game looks like blackjack and the chart in your pocket is for blackjack. How much of it still applies?

The short answer

Less than it looks. Every deck in the shoe is four cards short, the table hands you moves and payments the plain game has not got, and the chart worked out for this game names a different move from the plain chart in 34 of its 330 cells. In 52 more the move is the same until your hand grows a fourth card. None of it makes the game free of cost: what the house keeps still turns on one line posted at the table.

Leo touches the edge of the first of four cards laid in a row apart from a face-down deck on the felt, each of the four carrying ten pips in spades, hearts, clubs and diamonds, while Maya reads the row from the rail beside him.

The deck: four cards out of every 52

Spanish 21 is dealt from six or eight Spanish decks, and a Spanish deck holds 48 cards rather than 52. The four cards missing from each deck are the four tens — the jacks, queens and kings all stay, and they are all still worth ten points each. Everything about the shape of the game is the shape you already know: your total against the dealer’s without going over 21, the dealer acting last by a rule printed at the table, and a bet lost on a hand that goes over.

  • A
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10 taken out
  • J
  • Q
  • K

One suit of a Spanish deck: the 10 is taken out, the jack, queen and king stay. Every card that would have finished your 20 or broken the dealer’s hand is now a shade less likely to arrive.

A game dealt this way and changed in no other respect would cost more than the plain game, and nobody would sit at it. What makes people sit at it is the other half of the exchange, and that half is written into the published rules of the game rather than posted at the table.

What the table hands back

These terms are printed in the published rules of the game, not chosen by the table, so they travel with the name over it.

Terms the published rules of Spanish 21 give a player, and what each one means at the table.
The termWhat it means when you are sitting there
A player 21 is settled in your favourA total of 21 in your hand is settled your way whatever the dealer is holding, and a blackjack of yours against a blackjack of the dealer’s goes the same way. At a plain table both of those are a push, and a blackjack there is paid three to two.
A second bet on any number of cardsThe plain game lets a second bet go up on your first two cards. This one lets it go up on a hand of any size, which is why the chart for it has to say how many cards you are holding.
A way out after that betHaving put the second bet up, you may still give the hand up: the doubled portion comes back and the original bet is lost. The rules give the move a name of its own.
Surrender before you actPrinted in the rules of the game, in the same terms as at the tables that offer it: the hand is given up before you act, for half the bet.
Splitting, and playing on afterwardsA second bet may go up after a split, a pair of aces may be split again, and split aces may usually be played on rather than taking one card each and stopping.
  • Hit and standAs at any table.
  • A second bet on the handOn any number of cards, not only the first two.
  • The way out after itGive the hand up afterwards; the second bet comes back, the first is lost.
  • Split, and split aces againAnd carry on playing the split aces rather than taking one card each.
  • SurrenderPrinted in the rules of this game.

Five things to do where the plain table offers four, and one of the five — the way out after the second bet — exists only because this game lets that bet go up so freely. A move you have never used is a move you will not think of at the table, which is what the practice table further down is for.

What a long 21 is paid

The other half of the exchange is a scale of payments for hands the plain game adds nothing for. Two scales, in fact, and both carry the same condition at the end.

The extra payments Spanish 21 makes, and the conditions attached to them.
The handWhat the published rules say
A 21 that took five cards or morePaid on a scale that starts at five cards and rises at six and again at seven or more — and not paid at all once a second bet has gone up on the hand.
A 6-7-8, or three 7sA scale of its own with three steps — mixed suits, one suit, and spades — under the same condition about a second bet.
Either of them after a splitUsually not paid. The wording puts it as what most tables do rather than as a rule every table follows, which makes it a line to read at the table in front of you.

The extra payment or the extra bet, not both on the same hand: that is why this game’s chart does not put a second bet up everywhere the plain chart does.

Maya looking down at an open notebook, pen in hand.

Mayaformer floor supervisor · manners, money and breaks

The scales are the part people remember from this game, and they are also the part that does the least work. A payment that arrives on a hand you were going to finish anyway is welcome; it is not a reason to take a card you would otherwise have stood on. The chart below already counts every one of these payments — that is what makes it the chart for this table and not the other one.

Its own chart, and where it differs

The chart worked out for this game, at a table where the dealer hits a soft 17, is on the card below: hard totals, soft hands and pairs. Read a cell as you read the plain chart — your hand down the side, the dealer’s card across. A number beside a letter counts your cards, because the second bet may go up on any number of cards. The marks *, † and ‡ flag hands where a 6-7-8 payment is still possible from your two cards.

Set beside the plain chart, the disagreement is not a cell or two. In 34 cells of 330 the two charts name different moves outright: a hand the plain chart stands on is taken a card on here, a pair the plain chart splits is not split here. In 52 more the move is the same for the first two or three cards and changes once the hand is longer — something the plain chart never has to say, because there the second bet can only go up on two.

  • Different move outright34 cells where the chart you learned names a move this game’s chart does not.
  • Same move, until the hand grows52 cells where the answer holds for two or three cards and changes after that.
  • Cells in the chart330 in all, across hard totals, soft hands and pairs.

Playing by the full chart makes the cost of the play smaller than playing by feel, and that is as true here as at the plain table. What it does not do is make the game free of cost, or turn a hand that was always going to be lost into one that was not. Carrying the plain chart to this table is the one thing worse than carrying none at all: it will answer confidently, and in a good many cells it will answer for a different game.

What the hour costs, and which line decides

Everything above — the four cards taken out, the moves handed back, the scales of payments — comes to a single figure: the share of every bet the house keeps on average from a player who never departs from the chart. Here it is beside the plain game, and beside itself.

Plain blackjack, BCLC rules, full chart0.53%

Plain blackjack under the rules BCLC publishes, played by the full chart.

Spanish 21, dealer hits a soft 170.80%

Spanish 21 at a table where the dealer hits a soft 17.

Spanish 21, dealer stands on a soft 170.39%

Spanish 21 at a table where the dealer stands on a soft 17.

The longer the bar, the dearer the hour. The two Spanish 21 bars are the same game played by its own full chart; what separates them is what the dealer must do on a soft 17.

So the honest sentence about this game is a sentence about which table you are standing at. The small figure people repeat for Spanish 21 is printed under the line for a dealer who stands on a soft 17, and the list that line comes from carries a second line, for a table where the dealer hits a soft 17, on which the house keeps the larger share. The rules of the game leave that choice to the table, and the table posts it along with its bets and its payouts, in one wording or the other.

  • What the name over the table tells youThe deck it is dealt from, and with it the moves and the scales of payments: those are in the published rules of the game.
  • What the name does not tell youWhat the dealer must do on a soft 17, and the smallest and largest bet the table takes. Those are posted at the table, and the first of the two decides which of the two figures above is yours.

8 of the casinos in our register name this game among the games they deal, so it is a table you can walk up to rather than a curiosity. Read the dealer rule on the one in front of you before deciding it is the cheaper table in the room.

Maya with a hand on her chest, speaking gently and seriously.

Mayaformer floor supervisor · manners, money and breaks

Decide how much money the evening gets and how long it runs before you sit down, and stop when either one is used up. A run of losing hands is not a debt the table owes you: putting more money down to get it back only makes the hour dearer. An unfamiliar name over the table is a reason to read, not a reason to raise the bet. If the money on the table starts to feel like money you need, call one of the lines below — that is what they are for.

If it stops being fun

If gambling stops being entertainment, help is available. 19+ in most of Canada; 18+ in Alberta, Manitoba and Quebec. More on responsible gaming.

1-866-531-2600Ontario · ConnexOntario · 24 hours
1-800-461-0140Quebec · Jeu: aide et référence · 24 hours
1-888-795-6111British Columbia · Gambling Support BC · 24 hours
1-866-332-2322Alberta · Addiction Helpline (Recovery Alberta) · 24 hours
1-800-463-1554Manitoba · Problem Gambling Helpline · 24 hours
1-800-306-6789Saskatchewan · Problem Gambling Help Line · 24 hours
1-888-429-8167Nova Scotia · Mental Health and Addictions Crisis Line · 24 hours
1-800-461-1234New Brunswick · Gambling Information Line
1-855-255-4255Prince Edward Island · PEI Gambling Support Line · 24 hours
811Newfoundland and Labrador · Gambling Help Line · 24 hours
1-844-533-3030Yukon · Reach Out Support Line (CMHA Yukon)

If you are thinking about suicide, call or text 9-8-8

The chart on one card

That is the lesson. The chart for this game is on one card: print it, or keep it on your phone.

Spanish 21Six 48-card decks · dealer hits a soft 17
Hard totals
Hard2345678910A
5–8HHHHHHHHHH
9HHHHDHHHHH
10D5D5DDDD4D3HHH
11D4D5D5D5D5D4D4D4D3D3
12HHHHHHHHHH
13HHHHS4, hit if the two cards are 6-7, 6-8 or 7-8 (a 6-7-8 bonus is still possible)HHHHH
14HHS4, hit if the two cards are 6-7, 6-8 or 7-8 (a 6-7-8 bonus is still possible)S5, hit if those two cards are of one suitS6, hit if those two cards are both spadesHHHHH
15S4, hit if the two cards are 6-7, 6-8 or 7-8 (a 6-7-8 bonus is still possible)S5, hit if those two cards are of one suitS6S6SHHHHH
16S6S6S6SSHHHHRh
17SSSSSSS6S6S6Rh
18+SSSSSSSSSS
Soft hands (ace counting eleven)
Soft2345678910A
A,2HHHHHHHHHH
A,3HHHHHHHHHH
A,4HHHHD4HHHHH
A,5HHHD3D4HHHHH
A,6HHD3D4D5HHHHH
A,7S4S4D4D5D6S6S4HHH
A,8SSSSSSSSS6S6
A,9SSSSSSSSSS
Pairs (first two cards only)
Pair2345678910A
2,2PPPPPPHHHH
3,3PPPPPPPHHH
4,4HHHHHHHHHH
5,5DDDDDDDHHH
6,6HHPPPHHHHH
7,7PPPPPPHHHH
8,8PPPPPPPPPRh
9,9SPPPPSPPSS
10,10SSSSSSSSSS
A,APPPPPPPPPP
  • H hit
  • S stand
  • D double
  • P split
  • Rh surrender, otherwise hit
  • D3 double with up to 2 cards; with 3 or more, hit
  • D4 double with up to 3 cards; with 4 or more, hit
  • D5 double with up to 4 cards; with 5 or more, hit
  • S4 stand; hit with 4 or more cards
  • S5 stand; hit with 5 or more cards
  • S6 stand; hit with 6 or more cards
  • D6 double with up to 5 cards; with 6 or more, hit
  • * hit with 6-7, 6-8 or 7-8
  • † the same, one suit only
  • ‡ the same, spades only

19+ (18+ in AB, MB, QC) · Set a limit before you sit · Play responsibly · help, day or night: Gambling Support BC 1-888-795-6111, 24 hours

If you are thinking about suicide, call or text 9-8-8

Practice table

Every hand below is a cell where the chart for this game and the chart for the plain game disagree, and both answers come from the engine that works the charts out rather than from anybody’s memory. Level 1 is the cells where the move itself changes; level 2 is the cells where the move holds until your hand grows; level 3 is what the table pays extra, and when it does not. The lesson is one run: every square on the strip below is one hand of the lesson, and all the squares are there from the start. Only your first answer on each hand counts, and when a level’s squares are full the next level begins by itself. Nothing is bet here.

The practice table needs JavaScript. Here is one hand from it, with the answer.

Spanish 21 · six 48-card decks · dealer hits a soft 17

You hold a hard 9 against a 3. What does the chart worked out for this game say?

The answer: Take a card.

Both charts are worked out by the same engine: one under the rules of the plain six-deck game, one under the published rules of this one, dealt from 48-card decks. Here they disagree — the plain chart says “double, otherwise hit”, this game’s chart says “hit”. The three tables further up the page are the second of those two charts in full.

Every hand in the practice table is a cell where the two charts disagree, and both answers come from the engine that works the charts out — neither is typed in by hand.

Check yourself

Maya with a finger raised and a knowing look.

Mayaformer floor supervisor · manners, money and breaks

Five quick ones. Pick an answer, then check it. No timer, no points: just whether it stuck.

1Every deck in a Spanish 21 shoe holds 48 cards instead of 52. Which cards are not in it?

Show the answer

Answer: The four tens. A Spanish deck is the regular 52 cards less the four tens. The jacks, queens and kings are all still there, so ten-value cards have not disappeared; four of them per deck have.

  • The four tens. A Spanish deck is the regular 52 cards less the four tens, which is what brings each deck down from 52 cards to 48.
  • The four twos. The low cards are all still in the deck. What is taken out is the rank printed as 10.
  • The four aces. The aces are still in the deck. An ace is what makes a two-card 21 possible, and this is still a game about reaching 21.
  • Every card worth ten points, so sixteen cards from each deck. The jacks, queens and kings stay in the deck and are still worth ten points each. Only four cards per deck are taken out.
2You are dealt a 21 and so is the dealer. How do the published rules of this game settle that?

Show the answer

Answer: In the player’s favour, whatever the dealer holds. A player total of 21 is settled in the player’s favour here, whatever the dealer is holding, and a player blackjack goes the same way against a dealer blackjack. At a plain table both of those are a push.

  • However the table posts it. This one is not a table setting. It belongs to the published rules of the game itself.
  • In the player’s favour, whatever the dealer holds. The rules say so in one line, and they say the same about a player blackjack against a dealer blackjack.
  • In the dealer’s favour, because the dealer acts last. Acting last decides the order of play, not who an equal total belongs to.
  • As a push: the bet comes back and nothing is added. That is how two equal totals are settled at a plain table, and it is the rule this game replaces.
3You finish a hand on 21 using five cards, having put no second bet up. What does this game add for that?

Show the answer

Answer: A payment on a scale that starts at five cards. Long 21s are paid on a scale that starts at five cards, and the scale carries one condition: it is not paid once a second bet has gone up on the hand.

  • Nothing: the number of cards has never mattered. It does not matter at a plain table. It is one of the things this game adds in exchange for the tens it takes out.
  • It depends on the suits of the five cards. Suits decide the steps of the other scale, the one for a 6-7-8 or three 7s.
  • The blackjack payment, because a 21 is a 21. A blackjack is a 21 on the first two cards. A 21 built from five is paid under a different rule.
  • A payment on a scale that starts at five cards. The published rules name a five-card 21 and put a figure against it, with more for six cards and more again for seven or more.
4You put a second bet up, took the card, and the hand finished on 21 with six cards. Is the extra payment for a long 21 made? new situation

Show the answer

Answer: No: a second bet went up on the hand. The scale is printed with its condition attached: it is not paid after doubling. The game offers the extra bet or the extra payment, and not both on the same hand.

  • No: a second bet went up on the hand. The wording that sets the scale ends by saying the payment is not made after doubling.
  • Yes, but only at half the figure. There is no half figure in the wording. The condition is stated plainly and once.
  • Only if the six cards are of one suit. Suits belong to the other scale. This one counts cards.
  • Yes: six cards is on the scale. Six cards is on the scale, and the condition printed with the scale takes the payment away once a second bet has gone up.
5Two tables stand side by side, both dealing this game from six decks. One dealer hits a soft 17 and the other stands on it. What follows?

Show the answer

Answer: Two different prices, and the sign is where the difference is written. The dealer rule is posted at the table, and it moves the share of every bet the house keeps far enough to carry this game from under plain blackjack to over it. One figure cannot describe both tables.

  • Nothing: the deck is the same, so the price is the same. The deck is one part of the price. What the dealer must do on a soft 17 is another, and it is the one that moves furthest.
  • The one that hits a soft 17 is the cheaper of the two. It is the dearer of the two, which is why the small figure people repeat for this game does not belong to it.
  • Two different prices, and the sign is where the difference is written. The published rules leave the dealer rule to the table, and the engine puts the two tables at two different shares of a bet.
  • The difference is there but too small to matter in one evening. One evening shows very little of any of these figures. That is an argument for reading the sign, not against it.

Where to play, and further reading

19+ (18+ in AB, MB, QC) · Play responsibly · help, day or night: Gambling Support BC 1-888-795-6111, 24 hours

Further reading

  • Rules of Play for Table Games: Blackjack · British Columbia Lottery Corporation (BCLC)The rules this track follows section by section: six decks, the dealer on soft 17, doubling, splitting and surrender.
  • Game rules: Blackjack · Loto-Québec (Société des casinos du Québec)Québec’s rules: one to eight decks, a face-down dealer card, and the soft-17 rule left to the sign at the table.
  • Playing Blackjack · Fallsview Casino Resort and Casino NiagaraOne Ontario operator’s own booklet, including both blackjack payouts and both dealer rules it may post.
  • Blackjack: how to play · OLG PlaySmartOntario’s beginner page: the moves, the hand signals it describes, and what insurance is.
  • Know the game: Blackjack · Casinos Regina & Moose Jaw (SaskGaming)A Saskatchewan operator on what the chart does and does not do, and where to pick one up in the building.
  • Blackjack basics · Wizard of OddsWhat three common ways of playing blackjack without the chart cost, on that author’s own table.

How it’s worked out

Rules, numbers and hosts

Where this happens. Every table on this page is a real table in a room you can walk into, and every rule quoted from it comes from a rule book its publisher makes public. A blackjack game on a screen at home is asked for different things by a different book of rules, and it belongs to a track of its own.

Numbers. The three figures in the bars are shares of a bet, worked out when the page is built by the same engine as our blackjack strategy tool. The plain figure is for the table rules this page is set to, played by the full chart — hard totals, soft hands and pairs together. The two figures for this game are for six decks under its own published rules, once with the dealer hitting a soft 17 and once with the dealer standing on it; they are not this page’s rule set with a different deck dropped into it. All three assume the cards are shuffled after every hand and a player who never departs from the chart. The publisher whose wording this page quotes prints a figure of its own for each of the two dealer rules, and each of that pair sits within a few hundredths of a percentage point of the figure worked out here for the same table, because the published pair is quoted under a rule set that is not exactly the one this engine is given: treat the second decimal of either as approximate.

The count of cells. The two charts are compared cell by cell when the page is built. A cell counts as a different move when the two charts name different actions; it counts in the second, smaller group when the action is the same and only the number of cards you may hold has changed. The two are kept apart on purpose: the first group is where the plain chart is wrong, the second is where it is incomplete, and adding them together would overstate the first and hide the second.

The practice table. Its hands are taken from those same two groups, and the answer under each hand is the cell of this game’s chart. Nothing in it is typed in by hand, so a change to the engine moves the practice table with it. The cards shown are drawn from a Spanish deck: no hand on this page holds a card of the rank printed 10, because that rank is not in the shoe.

What is deliberately absent. There is no figure here for how long money lasts at this table. Other games carry names this page does not use at all — Double Deck Blackjack, Blackjack Switch, Double Down Madness and the rest: the wording that would say what each of them changes is not in the set of documents this page may quote from, and a name with no rule behind it is worth less than silence. Free Bet Blackjack, the side bets that sit beside the main wager, and what each single table rule costs on its own each have a lesson of their own further along the track.

Hosts. Leo and Maya are illustrated characters. Their backstories, a former dealer and a former floor supervisor, are written for the course: neither is a real person, and neither speaks for any casino. The rules and numbers on this page come from the sources it cites, not from their experience.

No promise. This game is played against the house, like every other game named in this course. Nothing on this page makes it free of cost, nothing on it says how an evening will end, and the cheaper of the two tables described here still keeps a share of every bet.

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