Whether to split 10s against a dealer’s 5 is a common blackjack strategy question. The short answer is yes, you should split 10s against a dealer’s 5 in most situations. Splitting 10s goes against basic strategy, but the math shows it’s the right play when the dealer is showing a 5. In this article, we’ll explain why splitting 10s vs a 5 is correct and when you should do it. We’ll also provide some tips and strategies to help you make the most of this lucrative play.
Basic Strategy Says No
Basic blackjack strategy says you should never split 10s, no matter what card the dealer is showing. The reason is pretty simple: 20 is a great hand, so why break it up? When you split 10s, you’re turning a potential blackjack into two mediocre hands. According to basic strategy, you should always stand on 20 against any dealer upcard.
However, basic strategy is based on the dealer having an average chance of busting. When the dealer is showing a 5, their chances of busting go way up. This makes splitting 10s against a 5 an exception to basic strategy.
The Math Supports Splitting
Let’s look at the math more closely to understand why splitting 10s vs a 5 is the right play:
If you stand on 20 vs a 5
– Dealer busts 37% of the time
– You win 37% of the time
– You lose 63% of the time
If you split 10s vs a 5
– Lose both hands (5%)
– Win one, lose one (45%)
– Win both hands (18%)
– Blackjack on one or both hands (32%)
This gives you about a 55% chance of winning at least one hand, compared to the 37% chance of winning by standing. Splitting turns a likely loser into a likely winner.
When to Split 10s vs a 5
You should split 10s against a dealer’s 5 in almost every situation, including:
No doubling after splits
Even if you can’t double down after splitting, you should still split 10s vs a 5. The math works out in your favor.
6 Deck or 8 Deck game
Splitting 10s is correct strategy in single-deck, double-deck, 6-deck, and 8-deck games when the dealer shows a 5.
Dealer hits soft 17
Split 10s vs a dealer’s 5 whether they stand or hit on soft 17. The increased bust rate makes splitting the right play.
Any number of splits allowed
Whether the casino allows 1 split or unlimited splits, you should split 10s against a 5 every time.
The only common rule variation where you shouldn’t split 10s vs a 5 is when natural blackjacks pay less than 3:2 odds. For example, if blackjacks only pay 6:5. In that case, standing on 20 is correct since blackjacks aren’t as valuable.
Tips for Splitting 10s vs a 5
Here are some tips to maximize your profits when splitting 10s against a dealer 5:
Bet more when the dealer shows a 5
This lucrative play doesn’t come up very often, so take advantage by raising your normal bet when the dealer’s upcard is a 5. This will increase your potential winnings.
Resplit Aces and 8s
If you get Aces or 8s after splitting 10s, resplit them if the rules allow. Getting two hands of AA and two hands of 88 is a great outcome.
Double down aggressively
Be aggressive with doubling down after splitting 10s against a 5. Doubling will boost your win rate further. Any total of 10 or 11 is a good double.
Watch the dealer’s hole card
In face-up games, check if the dealer has a 10 in the hole before you split. If so, just stand instead since they are less likely to bust.
Know when to stop
Have a strategy for when to stop splitting and resplitting. It’s easy to get carried away chasing a big win. Set a limit depending on your bankroll.
Conclusion
Splitting 10s goes against basic strategy, but it’s the right move when the dealer shows a 5. By splitting, you’re trading a likely loser for two hands that have a better chance of winning. The math and simulations clearly show splitting 10s vs a dealer 5 gives you a big boost compared to just standing. Just make sure to understand the optimal strategy and betting for this play. Splitting 10s against a 5 doesn’t come up often, so take advantage when it does!