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Blackjack Appendix 6

Last Update: Mar 27, 2005

Late Surrender

Late surrender means that the player may surrender his hand and lose half his bet only after the dealer checks for blackjack. The following basic strategy tables show when to surrender (Y=yes, N=no) depending on the player's total, dealer's up card, and the number of decks. The right two columns represent a dealer ace according to whether the dealer stands (S17) or hits (H17) a soft 17.

1 Deck
Player's Hand	Dealer's Card
Player's Hand	__9__	__10__	A (S17)	A (H17)
15	N	N	N	Y
16	N	Y	Y	Y
17	N	N	N	Y

2 Decks
Player's Hand	Dealer's Card
Player's Hand	__9__	__10__	A (S17)	A (H17)
15	N	Y	N	Y
16	N	Y	Y	Y
17	N	N	N	Y

4 or More Decks
Player's Hand	Dealer's Card
Player's Hand	__9__	__10__	A (S17)	A (H17)
15	N	Y	N	Y
16	Y	Y	Y	Y
17	N	N	N	Y

Exact card composition of the player's hand can sometimes make it advantageous to deviate from the basic strategy tables above. The following tables show when exactly to surrender given the player's total, dealer's up card, and number of decks. If the dealer has an ace up then the strategy often depends on whether the dealer hits (H17) or stands (S17) on a soft 17.

1 Deck
Player's Hand	Dealer's Card
Player's Hand	9	10	A (S17)	A (H17)
14	Never	7+7	Never	7+7
15	Never	9+6,10+5	Never	9+6,10+5
16	Never	Always	10+6	9+7,10+6
17	Never	Never	Never	10+7

2 Decks
Player's Hand	Dealer's Card
Player's Hand	9	10	A (S17)	A (H17)
15	Never	9+6, 10+5	Never	9+6, 10+5
16	Never	Always	Always	8+8^*,9+7,10+6
17	Never	Never	Never	Always

* surrender 8+8 only if double after split is not allowed.

4 or 6 Decks
Player's Hand	Dealer's Card
Player's Hand	9	10	A (S17)	A (H17)
15	Never	9+6, 10+5	Never	Always
16	9+7, 10+6	9+7, 10+6	9+7, 10+6	Always
17	Never	Never	Never	Always

8 Decks
Player's Hand	Dealer's Card
Player's Hand	9	10	A (S17)	A (H17)
15	Never	Always	Never	Always
16	9+7, 10+6	9+7, 10+6	9+7, 10+6	Always
17	Never	Never	Never	Always

Early Surrender

Early surrender is a seldom found rule in which the player may forfeit his hand and half his bet before the dealer checks for blackjack. The strategy is different from late surrender only when the dealer has a ten or ace showing. Following is a list for when to take early surrender against a dealer 10 or ace, regardless of the rules, except as noted.

Dealer ace Vs. hard 5-7
Dealer ace Vs. hard 12-17
Dealer ace Vs. pair of 3's, 6's, 7's, or 8's.
Dealer 10 Vs. hard 14-16
Dealer 10 Vs. pair of 7's or 8's.

Exceptions:

Do not surrender 10 Vs. 4+10 or 5+9 in single deck
Do not surrender 10 Vs. 4+10 in double deck
Surrender dealer ace against pair of 2's if dealer hits soft 17.
Do not surrender 8,8 vs 10 in single deck when double after split is allowed.

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