Atlassino Academy · Other tables · Lesson 11

Treinta y Cuarenta: two rows, closest to 31

Treinta y Cuarenta is two rows of cards and four bets, under the national catalogue of games. Here is how the rows are dealt, which bet is paid, and what a tie on 31 costs.

  • About 12 minutes
  • Illustrated hosts: Leo and Maya
  • Last checked 4 November 2026

Two rows of cards, a black side and a red side, and nobody at the table holds a single card. What are they betting on?

The short answer

On which row ends closer to 31, and on the colour of the first card. The croupier deals a black row and a red row, each until it reaches 31 or more, and all four bets are paid one to one. The only price is the tie on 31: then every bet is blocked and loses half. By our count both rows end on 31 on 2.19% of deals, so a bet costs 1.10% of itself on average, whichever of the four it is.

Leo smiling, explaining with an open hand.

Leoformer dealer · rules and maths

Treinta y Cuarenta has no drawing and no standing. You choose your bet, and the croupier deals two rows by a fixed rule; the one choice you get comes after a tie on 31. Everything on this page comes from one catalogue.

Two rows, and no cards for you

The Superintendencia de Casinos de Juego lists Treinta y Cuarenta among the card games a casino may run, and its national catalogue of games sets the rules. The croupier forms two columns of cards on a table divided into two colours, black and red, and the shoe holds six to eight decks of 52 cards.

What each card countsSix to eight decks of 52 cards.
CardCounts
Ace1
2 to 10Its number
Jack, queen, king10

A picture card counts 10, like a ten, and the ace counts 1.

The table is not for a set number of seats: players may sit or stand, as many as the game can run smoothly with, and it is run by a main croupier and two support croupiers, who pay the bets. The amounts that can be bet at each game have to be posted in the room.

How the rows are dealt

Bets go down before any card is dealt, and once the croupier has begun the deal, no bet can be added, taken back or changed. Then a croupier deals the black row, NEGRO, until its count reaches 31 or more, and after it the red row, ROJO, until it reaches or passes 31. The main croupier calls out each row’s total and the bets that are paid.

  1. Bets

    On ROJO, NEGRO, COLOR or INVERSO, one or more of them, before the first card.

  2. NEGRO

    Cards for the black row until it reaches 31 or more.

  3. ROJO

    Then cards for the red row, the same way.

  4. Called

    The croupier calls out each row’s total and the bets that are paid.

  5. Paid

    Losing bets are taken, paid bets get one to one.

Here NEGRO stops on 40, three picture cards and a ten, and ROJO on 31 with five cards. ROJO is closer to 31.

Four bets

The table has four places to bet, ROJO, NEGRO, COLOR and INVERSO, and the four are not exclusive: you may play more than one.

The four betsAll four are paid one to one, and they can be played together.
BetPaid when
NEGROThe black row is closer to 31
ROJOThe red row is closer to 31
COLORThe first card has the colour of the row that is paid
INVERSOThe first card has the other colour

On ROJO or NEGRO, the row closer to 31 is paid. COLOR and INVERSO are decided by the first card: if it has the same colour as the row that is paid, COLOR is paid and INVERSO loses; if it has the other colour, INVERSO is paid and COLOR loses. Every bet that is paid gets the amount bet, one to one.

Equal rows, and the tie on 31

When both rows end on the same total, other than 31, the deal is neutral: nothing is paid or lost, and players may keep, take back or change their bets.

When both rows end on 31, the bets are blocked, and the players lose half of them. The catalogue then gives two choices. One is to hand the croupier the half of the bet that is blocked. The other is to wait for the next deal: if the choice you played is paid, your bet is set free; if not, all of it is lost.

A player may also pay the croupier 1% of the blocked bet as insurance against the next deal being another tie on 31.

What a bet costs

The catalogue prints the payouts, not a price. The table below is our own count: every way two rows can be dealt, with every card drawn as if from a full shoe, for a bet on any one of the four.

How a deal endsOur own count, every card drawn as if from a full shoe, for a bet on any one of the four.
The dealShare of dealsYour bet of 10 units
Your choice is paid44.51%10 units paid
The other choice is paid44.51%Lost
Equal rows, not on 318.78%Stands
Both rows on 312.19%Blocked, 5 units lost

A row ends exactly on 31 in 14.81% of rows, more often than on any other total, because a row stops as soon as it reaches 31. Both rows end on 31 on 2.19% of deals. Paid and lost come up equally often and cancel out, so the whole price of a bet is the half it loses on a tie on 31: 1.10% of the bet a deal, if you hand the half over each time. That is the same for ROJO, NEGRO, COLOR and INVERSO, because in our count the colour of the first card has nothing to do with which row ends closer to 31.

Waiting instead of handing over half costs about the same. On the next deal your choice is as likely to be lost as paid, so waiting is close to an even chance between getting the whole bet back and losing all of it, which comes to half on average. What tips it one way or the other is another tie, and the catalogue does not say in full what happens to a blocked bet then.

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

Mayaformer floor supervisor · manners, money and breaks

A small price per deal is still a price on every deal, and the deals add up. Decide the money and the time at home, and leave when either runs out.

If the evening stops feeling like an evening out, self-exclusion and the regulator’s line are just below.

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.

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Practice: read the rows, settle the bet

Level 1 shows both rows and asks which row’s bet is paid. Level 2 shows both rows and a bet of 10 units on one of the four places, and asks what happens to it. The 10 units is an example bet, 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 as the rest of the page.

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

Both rows are dealt. Which row’s bet is paid?

  • NEGRO is paid Not here. ROJO has 31 and NEGRO 40: ROJO is closer to 31, so a bet on ROJO is paid and a bet on NEGRO is lost.
  • ROJO is paid ROJO has 31 and NEGRO 40: ROJO is closer to 31, so a bet on ROJO is paid and a bet on NEGRO is lost.
  • Neither: a neutral deal Not here. ROJO has 31 and NEGRO 40: ROJO is closer to 31, so a bet on ROJO is paid and a bet on NEGRO is lost.
  • Both on 31: bets blocked Not here. ROJO has 31 and NEGRO 40: ROJO is closer to 31, so a bet on ROJO is paid and a bet on NEGRO is lost.

Each row is dealt until it reaches 31 or more, so every row ends between 31 and 40. The row closer to 31 is paid. Equal rows leave every bet standing, unless both rows are on 31: then the bets are blocked.

You have 10 units on COLOR. What happens to the bet?

  • 10 units paid Not here. ROJO is closer to 31, and the first card is black: not the colour of the row that is paid, so INVERSO is paid and your bet on COLOR is lost.
  • The bet is lost ROJO is closer to 31, and the first card is black: not the colour of the row that is paid, so INVERSO is paid and your bet on COLOR is lost.
  • Nothing: the bet stands Not here. ROJO is closer to 31, and the first card is black: not the colour of the row that is paid, so INVERSO is paid and your bet on COLOR is lost.
  • Blocked: 5 units lost Not here. ROJO is closer to 31, and the first card is black: not the colour of the row that is paid, so INVERSO is paid and your bet on COLOR is lost.

All four bets are paid one to one. NEGRO and ROJO follow the row closer to 31; COLOR is paid when the first card has the colour of the row that is paid, INVERSO when it has the other colour. A tie below 31 is neutral, and a tie on 31 blocks the bet and costs half of it.

Every question in the practice run is worked out the same way: the cards are put through the same rules 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, by the rules of the national catalogue: each row is checked to be dealt by the rule, and each bet is settled by it. The wrong answers are named mistakes: the higher total taken for the paid row, a tie below 31 taken for a loss, and a tie on 31 taken for a neutral deal. In every question the first cards of both rows have the same colour, so COLOR and INVERSO are settled the same way however “the first card” is read.

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 black row ends on 34 and the red row on 36. Which bet on a row is paid?

Show the answer

Answer: NEGRO: 34 is closer to 31. The row closer to thirty-one is paid.

  • NEGRO: 34 is closer to 31 Every row ends on 31 or more, and the one closer to 31 is paid.
  • Neither: both rows are past 31 Every row goes past 30; that is how the deal ends, not a reason to void it.
  • ROJO: 36 is the higher total The row closer to 31 is paid, not the higher one.
2Both rows end on 33. What happens to your bet of 10 units on ROJO?

Show the answer

Answer: It stands, and you may keep it, take it back or change it. A tie below 31 changes nothing.

  • It is lost: a tie goes to the house A tie that is not on 31 is neutral.
  • It is blocked, with 5 units lost Only a tie on 31 blocks the bets.
  • It stands, and you may keep it, take it back or change it A tie that is not on 31 is a neutral deal.
3Both rows end on 31. What does the catalogue let you do with a blocked bet?

Show the answer

Answer: Hand the blocked half to the croupier, or wait for the next deal. A tie on 31 blocks the bets and costs half of them.

  • Hand the blocked half to the croupier, or wait for the next deal Those are the two choices the catalogue gives.
  • Take the whole bet back A tie on 31 costs the players half of their bets.
  • Move it to the other row The blocked bet waits on the choice it was played on.
4A player says COLOR costs less than ROJO, because there are two ways to read the colour. What does the count on this page say? new situation

Show the answer

Answer: All four bets cost the same. One price for all four bets: 1.10% of the bet a deal, by our count.

  • All four bets cost the same Each is paid on 44.51% of deals and lost on as many, and each loses half on a tie on 31.
  • COLOR costs less All four bets are paid one to one and blocked by the same tie on 31.
  • COLOR costs more The first card’s colour has nothing to do with which row is closer to 31.

Back to the question we opened with. They are betting on which of two rows ends closer to 31, or on the colour of the first card, all at one to one. The price of every one of those bets is the tie on 31.

Where to go next, and further reading

18+ across Chile · Play responsibly · help is 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 section III.5 of the Catálogo de Juegos of the Superintendencia de Casinos de Juego, the national catalogue of the games a casino may run, in its March 2023 text, pages 156 to 162. The catalogue says which games a casino is allowed to run, not which tables a given casino has.

Numbers. Every row total is added up by our Treinta y Cuarenta engine from the card values of the catalogue. Every share and price is counted exactly over every way a row can be dealt to 31 or more, with both rows dealt the same way. Nothing here is typed in by hand.

What the count leaves out. Our count draws every card as if from a full shoe; with six to eight decks the cards already dealt change the shares a little, and we do not count that. The catalogue does not say what happens to a blocked bet when the next deal is a tie again, at 31 or below it, so waiting is not priced as a number. The 1% insurance against a second tie at 31 is not priced either: what it keeps is not spelled out in full. No document we could read prints how many deals an hour a table plays, so there is no price of an hour here.

Our readings. The catalogue opens the tie on 31 with the players losing 50% of their bets, and its first choice is to hand over the blocked half; we read that choice as losing half the bet, as the opening sentence says. COLOR and INVERSO are decided by la primera carta de la primera fila ganadora, compared with the colour of the row that is paid; the price does not depend on which first card is meant, and every practice question is built so that the answer does not either.

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. Treinta y Cuarenta is played against a price. Nothing on this page changes which cards come out of the shoe, and nothing here says how an evening at the table would end.

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