The basics
How hilo works at crypto casinos
A card is drawn, and you guess whether the next one will be higher or lower. Each right guess multiplies your win, and you can cash out after any card or skip a card you don’t like. Wrong once, and the round is lost. Every card comes from provably fair seeds, so you can verify the whole run afterwards.
Martin, from inside a crypto casino
The standard hilo is the same almost everywhere: higher, lower and skip, with infinite decks. In the standard hilo, Ace is the lowest card and King the highest, which is worth knowing, because some players think Ace is high and 2 is low.
Gamdom’s hilo is different: it’s multiplayer. The cards come live for every player at once, and there are more options to bet on. At Gamdom the Ace is the highest card, and there’s a Joker in the deck too.
Hilo is a fun card game, a more interesting version of dice, and especially loved by people who like card games. Any card games really: gambling or not, live or online.
Hilo variants on our list
| Game | Casino | RTP |
|---|---|---|
| Hilo | 10 casinos (see the ranking) | 96–99% |
| Hilo, live multiplayer (Ace high, with a Joker) | Gamdom | 99% ◎ |
◎ = zero edge, shown as 99%.
RTP
Does the number of guesses change hilo RTP?
After that, each right guess multiplies your total by exactly 1 ÷ its chance, so the run as a whole returns the game’s RTP, whether you cash out after one card or ten.
You can see it in the numbers. A run at Rainbet went 1.04x, 2.25x, 2.44x. Multiply 2.44 by the chances of the three guesses (92.31% × 46.15% × 92.31%) and you get 96%, Rainbet’s hilo RTP. If the edge came off every guess, the same run would return about 88.5%.
Hilo odds explorer Interactive
Pick a card- 5 ↑
- J ↓
1.69 × 69.23% × 84.62% = 99%
Infinite deck: every card has a 1 in 13 chance. The table below shows the same first-guess numbers.
Your odds on every card
| Card | Higher (or same) | Pays at 99% | Lower (or same) | Pays at 99% |
|---|---|---|---|---|
| A | Higher 92.31% | 1.07x | Same 7.69% | 12.87x |
| 2 | 92.31% | 1.07x | 15.38% | 6.43x |
| 3 | 84.62% | 1.17x | 23.08% | 4.29x |
| 4 | 76.92% | 1.28x | 30.77% | 3.21x |
| 5 | 69.23% | 1.43x | 38.46% | 2.57x |
| 6 | 61.54% | 1.60x | 46.15% | 2.14x |
| 7 | 53.85% | 1.83x | 53.85% | 1.83x |
| 8 | 46.15% | 2.14x | 61.54% | 1.60x |
| 9 | 38.46% | 2.57x | 69.23% | 1.43x |
| 10 | 30.77% | 3.21x | 76.92% | 1.28x |
| J | 23.08% | 4.29x | 84.62% | 1.17x |
| Q | 15.38% | 6.43x | 92.31% | 1.07x |
| K | Same 7.69% | 12.87x | Lower 92.31% | 1.07x |
"Pays" is what a first guess pays at a 99% casino, rounded down. Some casinos round to the nearest instead, so on some cards your game may show 0.01x more.
Checked on 6 November 2026 at Rainbet, Shuffle, Roobet, Thrill, BC.Game, Duel and Stake.
From the casino side
How players actually play hilo
Martin, from inside a crypto casino
People often guess and stack odds of around 1.3–1.4x up to a 3–4x cash-out, or they just try to hunt single big multipliers. In the first case they skip cards that are close to 50/50, and they also skip cards with around a 90% chance, because the odds are small but the risk is still there.
I play the first way myself: I stack odds of about 1.2–1.7x up to 3–4x and cash out.
Both styles return the same RTP: skipping is free, and a run of small odds costs no more than one big guess. So play hilo the way you enjoy it.
Read the rules
Ace, King and “same”
Martin, from inside a crypto casino
There are no complaints here: on “higher or same” and “lower or same”, a same card wins.
In the standard hilo, from an Ace you can only go higher or bet on the same card, and from a King lower or same. Gamdom’s live version ranks the Ace highest and adds a Joker, so read its rules before you play it.
The RTP gap
Why 99% vs 96% matters
Same card, same guess, different payout. Going higher from an Ace (a 92.31% chance):
The gap stays the same size however long your run is, because each casino takes its edge once.
Do it yourself
How to check hilo RTP yourself
Martin, from inside a crypto casino
The game shows the odds and the multiplier for every guess, so it’s easy to see what each one pays.
One guess: multiplier × chance = RTP
1.07 × 92.31% ≈ 99%
A whole run: running total × the chance of every guess you won = RTP
Rainbet: 2.44 × 92.31% × 46.15% × 92.31% = 96%Shuffle: 2.98 × 53.85% × 61.54% ≈ 99%
Use the running total, not the small multiplier shown next to each guess: at some casinos that label already includes the edge again, so it looks a little lower than what the run actually pays.
Myth vs fact
Hilo myths
Martin, from inside a crypto casino
Because it’s cards, people may think the same card can’t come up many times in a row. But the decks are infinite, so that’s not true.
“A King just came up, so another one is unlikely.”
The deck is infinite. Every card is a fresh draw with a 1 in 13 chance of being a King.
“Three high cards in a row, so a low one is due.”
Every card is independent. The odds on the next card are always the ones in the table above.
Our picks
Where to play hilo
Eight casinos on our list pay the full 99% on hilo, and our pick is one of them. If you play a lot, Duel and Gamdom also pay 99% and add zero edge on your first $50,000 and $5,000 of bets a day.
Our pick for hilo
Roobet99%
One of 8 casinos paying the full 99% on hilo, rated 7.7.
Visit Roobet18+, T&Cs apply
For high volume
Duel99%, zero edge, first $50k a day
◎ Zero edge on your first $50,000 of bets a day.
Visit Duel18+, T&Cs apply
Compare every casino in the ranking above, or see all originals in our crypto casino originals RTP comparison.
FAQ
What is the RTP of hilo at crypto casinos?
At most crypto casinos we review, hilo pays 99%, a 1% house edge. BC.Game pays 98% and Rainbet 96%.
Does the number of guesses change hilo RTP?
No, at every casino we checked. The edge is taken once per round, and after that each right guess pays exactly 1 ÷ its chance, so a long run returns the same as a single guess.
Is Ace high or low in hilo?
In the standard hilo, Ace is the lowest card and King the highest, so from an Ace you can only go higher or bet on the same card. Gamdom's live multiplayer hilo is the exception: there the Ace is high and the deck has a Joker.
Does skipping a card cost anything in hilo?
No. Skipping draws a new card without a guess, so it doesn't change your RTP.