Atlassino Academy · Other tables · Lesson 13

Caribbean Poker: five cards against the bank

Caribbean Poker is five-card poker against the dealer, under the catalogue of games the SCJ sets for every casino in Chile: an Ante, a Bet of twice the Ante or a fold, a dealer who needs an ace and a king, and two variants, one with a card you may buy and one with a progressive pool.

  • About 16 minutes
  • Illustrated hosts: Leo and Maya
  • Last checked 4 November 2026

You hold ace, king, nine, seven, three, and the dealer shows a five. You have an ace and a king; the dealer needs exactly that to play. Is your hand worth the Bet?

The short answer

Not against the five. By our count, voy with that hand comes to −110.25% of the Ante on average, against −100.00% for no voy. If the dealer showed a seven instead, the value of one of your own cards, voy would come to −92.48% and would be the cheaper choice. Even a pair of twos is worth the Bet: against the five it comes to −94.23%.

Leo smiling, explaining with an open hand.

Leoformer dealer · rules and maths

This is poker without opponents: your five cards against the dealer’s, with one of the dealer’s cards in sight. Every rule below is from the catalogue of games the SCJ publishes for every casino in Chile, and every number from our own count.

Poker against the dealer

The catalogue calls Caribbean Poker a banked game: five cards face down to each player, and five to the dealer, four face down and one face up. Cards are not changed. Each player bets on their own against the dealer, and a hand is paid when it is higher than the dealer’s.

It comes in three variants: Caribbean Poker; Caribbean Poker Progresivo, with a bet on all or part of a progressive pool that does not depend on the dealer’s hand; and Caribbean Poker Plus, with the option of buying a card. The deck is an American deck of fifty-two cards.

One hand, from the Ante to the payout

There are two bets: the Ante, made before the cards are dealt, and the Bet, made after, by the players who decide to play against the dealer. The Ante is required of every player who wants cards.

  1. Ante

    Before any card is dealt, the Ante: without it there are no cards.

  2. Five cards

    Five face down to each player; five to the dealer, four face down and the last face up.

  3. Voy or no voy

    Voy: a Bet of twice the Ante. No voy: the Ante is lost.

  4. The dealer

    Turns its cards over: it plays with an ace and a king, or more.

  5. Paid

    Each hand is settled against the dealer on its own.

Players may not swap or share anything about a hand.

Voy or no voy

Once the cards are dealt, each player says “voy” and puts in a Bet of twice the Ante, 20 units on an Ante of 10 units, or says “no voy” and leaves the hand, losing the Ante.

By our count, in every hand on this page and in the practice run below, a pair or more is worth the Bet and a hand without both an ace and a king is not: with queen, jack, eight, six, three against a seven showing, voy comes to −126.07% of the Ante against −100.00% for no voy. In between lies ace and king with nothing more, where the count turns on your other cards and on the dealer’s card, as in the opening question. The practice run below goes through several of them.

The dealer’s ace and king

Once every player has decided, the dealer turns its cards over and plays only with an ace and a king, or a higher hand. With anything lower, the game ends and only the Ante is paid, 1 to 1. The catalogue says nothing more about the Bet there; we count it as returned.

When the dealer plays, a hand lower than the dealer’s loses the Ante and the Bet; on a standoff, the dealer leaves the bets where they are. Over a full deck, by our count, the dealer does not play on 43.68% of hands. With the five showing and the ace-king hand of the opening question, the dealer plays on 54.60% of the ways its other four cards can fall.

The pay table, and equal hands

The catalogue lists the hands from the lowest, with the ace as the highest card: ace and king, a pair, two pair, three of a kind, a straight, a flush, a full house, four of a kind, a straight flush and a royal flush. A straight runs from ace-to-five, the lowest, to ten-to-ace, the highest. When the dealer plays and your hand is the higher one, the Ante is paid 1 to 1 and the Bet by the table.

What the Bet is paidWhen the dealer plays and your hand is the higher one. With an Ante of 10 units, the Bet is 20 units; the Ante itself is paid 1 to 1. The last column is how often five cards from a full deck make each hand.
HandThe Bet paysOn 20 unitsHow often
Escalera real100 to 12,000 units1 in 649,740
Escalera de color50 to 11,000 units1 in 72,193
Poker20 to 1400 units1 in 4,165
Full7 to 1140 units0.14%
Color5 to 1100 units0.20%
Escalera4 to 180 units0.39%
Trío3 to 160 units2.11%
Dos pares2 to 140 units4.75%
Un par1 to 120 units42.26%
Carta alta1 to 120 units50.12%

Hands of the same kind are settled by their cards: when both hold ace and king, the higher of the remaining cards decides, and only the same five cards by value are a standoff. So a hand with no pair can still be paid: ace, king, queen against the dealer’s ace, king, jack is the higher hand, and its Bet is paid 1 to 1.

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

Mayaformer floor supervisor · manners, money and breaks

Every hand you play puts three times the Ante on the table, a bought card adds one more, and a progressive bet another. Decide the money and the time at home, and leave the seat when either runs out.

If the money on the table starts to feel like money you need, read the box below: it names the national self-exclusion, which applies in every casino in the country, and the regulator’s switchboard.

If it stops being fun

If gambling stops being fun, the SCJ self-exclusion applies in every casino in the country. Minimum entry age: 18 (age of majority under Law 19.221; Law 19.995 bars minors from gaming rooms). The casino may ask for an official ID. More on responsible gaming.

Show all regions
+56 2 2589 3000All regions · Superintendencia de Casinos de Juego — Central Telefónica

Caribbean Poker Plus: buying a card

At a Caribbean Poker Plus table, the dealer offers each player the option of buying a card. You do it together with your Bet: the card you want to change goes face down beside the Bet, with chips equal to your Ante placed on it; the dealer puts it in the discard without turning it over and gives you a new card face down. Buying a card means saying voy: the Bet goes down with it.

What a new card can bring is a matter of counting: you see your five cards and the dealer’s one, so 46 cards are unknown to you. Holding four spades and changing the fifth card with the dealer showing a nine, 9 of those cards make a flush and 12 more make a pair. By our count that purchase is worth its price: −29.73% of the Ante on average with the card bought, against −100.00% for no voy with the hand as it is.

A purchase is not always worth it. Holding two pair, aces and kings, buying a card for the three in the hope of a full house costs more than it brings: 4 of 46 cards make it, and the purchase comes to +236.15% of the Ante against +286.29% for voy without it.

Caribbean Poker Progresivo: the pool

The progressive bet is an extra bet, voluntary and separate from the Ante and the Bet. Its prize depends only on your own hand and not on the dealer’s cards, and it is paid from a pool built from a share of the progressive bets.

What the progressive bet is paidBy your own five cards, whatever the dealer holds, on a progressive bet of 10 units. The bet itself is not returned with the prize. The last column is how often five cards from a full deck make each hand.
HandThe prizeHow often
Escalera realThe whole main pool1 in 649,740
Escalera de colorA tenth of the main pool, at most 5,000 times the bet1 in 72,193
Poker500 times the bet, 5,000 units1 in 4,165
Full100 times the bet, 1,000 units0.14%
Color50 times the bet, 500 units0.20%

The prize is all you receive: the progressive bet itself is not added to it. Saying no voy loses the progressive bet along with the Ante, and at a Plus table, buying a card takes the hand out of the pool and loses the progressive bet.

By our count, the three fixed prizes, for a flush, a full house and four of a kind, give back 36.24% of each progressive bet on average. Whatever else comes back depends on the size of the pool on the table’s display, so this page prints no price for the progressive bet as a whole.

Practice: voy or no voy, pay the hand

Level 1 shows your five cards and the dealer’s one card showing and asks whether to say voy. Level 2 shows both hands after you said voy and asks what your hand comes to on balance. The 10 units is an example Ante, not a suggested bet.

Nothing is bet here, and nothing is random. Each question is a set picture of cards, and the answer is worked out from the same rules and the same count as the rest of the page.

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

You are not buying a card. Voy or no voy?

  • Voy: put in the Bet, 20 units Voy costs less here: on average −92.48% of the Ante with the Bet in, against −100.00% for no voy.
  • No voy: give up the Ante, 10 units Voy costs less here: on average −92.48% of the Ante with the Bet in, against −100.00% for no voy.
  • Ask the next player what they hold Players may not swap or share anything about a hand.

Voy costs the Bet, twice the Ante; no voy costs the Ante. By our count, in every hand of this practice run a pair or more is worth the Bet and a hand without both an ace and a king is not; with an ace and a king and nothing more, it depends on your other cards and on the card the dealer shows.

What does your hand come to on balance, the Ante and the Bet together?

  • You lose 30 units Not this one. The dealer takes both bets only when it plays and holds the higher hand.
  • You get 10 units Not this one. Only the Ante is paid when the dealer does not play; here it plays.
  • You get 30 units The dealer plays on its ace and king; you hold ace and king too, and your remaining cards are the higher: the Ante is paid 1 to 1 and the Bet 1 to 1, 20 units.

The dealer plays with an ace and a king or more. When it does not, only the Ante is paid, 1 to 1, and we count the Bet as returned. When it does, the higher hand decides: the Ante 1 to 1 and the Bet by its table, or both taken by the dealer. The same five cards by value on both sides are a standoff.

Every question in the practice run is worked out the same way: the cards are put through the same rules and the same count as the rest of the page, and the answer comes out of that, not out of anybody’s memory.

How the practice run works

Where the questions come from. Every answer is worked out when the page is built: voy or no voy by counting every way the dealer’s four hidden cards can fall, and every payment by the rules of the catalogue. The wrong answers are named mistakes: the dealer’s ace and king taken for no hand, a hand with no pair taken as never paid, the Bet paid 1 to 1 whatever the hand, and a standoff where the cards are not the same.

One strip, and no rounds. Every square on the strip is one question of this lesson, and all of the squares are there from the start. Your first answer fills the square it belongs to; when the squares of one level are full, the next level begins by itself. Practising a question you got wrong turns its cross into “fixed in practice” and does not change the count, because only first answers count.

Your progress stays in this browser, and nothing is sent anywhere.

Check yourself

Maya with a finger raised and a knowing look.

Mayaformer floor supervisor · manners, money and breaks

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

A question marked “New situation” asks you to use the lesson on a case it did not show.

1The dealer turns over ace, king, eight, five, three. You said voy with a pair of nines. What happens?

Show the answer

Answer: The dealer plays, and your pair is the higher hand. Ace and king are enough for the dealer to play.

  • The dealer plays, and your pair is the higher hand Ace and king make the dealer play, and any pair is above them.
  • The dealer does not play: ace-king is no hand The dealer plays with an ace and a king, or more.
  • The dealer plays, and its ace takes both bets With the dealer on ace and king, a pair is the higher hand.
2You hold ace, king, queen, nine, three and said voy. The dealer plays on ace, king, jack, seven, two. What happens to your Ante and Bet?

Show the answer

Answer: Both are paid 1 to 1: your queen is above the dealer’s jack. When both hold ace and king, the higher of the other cards decides.

  • Both are paid 1 to 1: your queen is above the dealer’s jack Ace and king on both sides, so the next card decides, and yours is the higher.
  • A standoff: both hands are ace and king A standoff needs the same five cards by value on both sides.
  • Both are taken: a hand with no pair cannot be paid The pay table pays “un par o carta alta” 1 to 1: a hand with no pair is paid when it is the higher one.
3You put in a progressive bet, then hold four spades and buy a card at a Caribbean Poker Plus table. A spade comes. What does the progressive bet get for the flush?

Show the answer

Answer: Nothing: buying a card lost the progressive bet. Buying a card, or saying no voy, costs the progressive bet.

  • The bet back The progressive bet is not returned once the hand leaves the pool.
  • Nothing: buying a card lost the progressive bet A player who buys a card no longer takes part in the pool, and the progressive bet is lost.
  • Fifty times the bet Buying a card takes the hand out of the pool: the progressive bet is lost.
4You have an Ante of 10 units and decide to say voy. How much goes down with it? new situation

Show the answer

Answer: 20 units, twice the Ante. Before you sit down, count three Antes for every hand you mean to play.

  • Whatever you like, within the limits The Bet is not free: it is twice the Ante.
  • 20 units, twice the Ante Voy means a Bet of twice the Ante: three times the Ante on the table in all.
  • 10 units, the same as the Ante At this game the Bet is twice the Ante.

Back to the question we opened with. Against the five, no: ace-king with nothing more is cheaper given up. Against a card of a value you hold, the count can tip the other way; and every pair on this page is worth the Bet.

Where to go next, and further reading

18+ across Chile · Play responsibly · self-exclusion and the regulator are further up this page

Further reading

How it’s worked out

Rules, numbers, sources and hosts

Where the rules come from. Everything on this page follows the Catálogo de Juegos of the Superintendencia de Casinos de Juego, the SCJ, in its March 2023 text: the description of Caribbean Poker and its three variants, its rules and pay table, the rules shared by its poker games, and the chapter on progressive pools in card games.

Numbers. Every voy-or-no-voy answer is counted exactly: your five cards and the dealer’s one card showing against every way the dealer’s four hidden cards can fall from the 46 you cannot see. Every purchase is counted the same way for each of the cards that can come. Every share of hands, and the return of the fixed progressive prizes, is counted exactly over a full deck. Nothing here is typed in by hand.

What the count leaves out. The price of the whole game is not counted: it needs the right choice for every hand, every card the dealer shows and every card you might buy, and that count is beyond this page. Each count is for one player at the table; the cards the other players hold are left out. The size of the progressive pool, and the extra prizes a casino may add to it, belong to the room. No document we could read prints how many hands an hour a table plays, so there is no price of an hour here.

Our readings. When the dealer does not play, the catalogue pays only the Ante and says nothing of the Bet; we count the Bet as returned. Two flushes, and two equal pairs, are compared card by card: the catalogue names the highest card, and calls a hand a standoff only when all five cards are the same.

Sources. Every rule on this page carries a button with the sentence it rests on, in the catalogue’s own Spanish, the publisher who wrote that sentence and the date we read it.

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. Every hand at this table has a price. Knowing when to say voy and when a card is worth buying lowers what you pay; nothing on this page changes which cards are dealt, and nothing here says how an evening at the table would end.

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