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Live Hi-Lo Game Guide

Posted on January 10, 2025December 10, 2025 by ANDREW

Live Hi-Lo is a popular live casino game played at a fast pace at non GamStop casinos and across various non-GamStop gaming platforms. This live game takes you back to the simple yet exciting card games of the 80s. Want to know how to play Live Hi-Lo? Then read on.

Table of Contents

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  • Best Live Hi-Lo Casinos Without GamStop
  • What is Live Hi-Lo?
  • How do you play Live Hi-Lo?
  • Side bets Live Hi-Lo
  • When do you win?
  • Bet and winnings payout
  • Return to player
  • Strategy and game tips Live Hi-Lo
  • Advantages and disadvantages of Live Hi-Lo
    • Advantages
    • Disadvantages
  • Conclusion

Best Live Hi-Lo Casinos Without GamStop

Are you ready to play Live Hi-Lo? Play this exciting live game at a British casino or a non GamStop casino. Our experts have selected the best casinos for you.

What is Live Hi-Lo?

Live Hi-Lo is an entertaining, exciting, and fast-paced live casino game. Released in the summer of 2019, it’s available at non GamStop casinos partnered with Playtech. Hi-Lo Live is streamed from a beautiful studio in Latvia, where live dealers guide the game. The game’s user interface is easy to understand, and combined with its simple rules, it’s a simple game that even novice players can fully enjoy.

The dealer draws cards from the deck. It’s up to you to guess whether the next card the dealer draws will be higher or lower than the card on the table. Therefore, Live Hi-Lo doesn’t rely on a specific strategy; you play this game based on luck. Your winnings depend on the card on the table. If the card is a 4 and you guess lower, the odds are relatively low. This makes the payout even higher.

The game can also be made a bit more exciting with side bets. These are not mandatory, but you can choose to participate. The side bets have fixed prices.

How do you play Live Hi-Lo?

Live Hi-Lo is an easy game that you’ll master in no time. But it’s definitely not boring. The pace of Live Hi-Lo is incredibly fast. You can play Live Hi-Lo starting from €1, and depending on the online casino you play at, you can play with a maximum of €200 per round. Live Hi-Lo uses 6 decks, which do not include jokers or 10s. The goal is to predict the next card. You want to predict whether the next card will be higher (‘Hi’) or lower (‘Lo’) than the card already on the table.

Each round of this game begins with a betting round. You have just 15 seconds to decide how much to bet. Betting is done with a chip, which has a coin value. Select the value you want to bet with and place it anywhere on the playing field. You can bet until you see the “No More Bets” message. The betting round then begins. The dealer will then highlight three cards, after which the fourth card will determine the outcome of the round.

“Burn cards” means that these cards are drawn face down from the shoe, set aside, and are no longer part of the game. You will never see these cards again. The goal now is to focus primarily on the fourth card and decide whether you think the next card will be higher or lower than it in the next round.

Once the (fourth) card and its value are revealed, winning players are paid out immediately. The game then restarts, and you have another opportunity to place your bet.

Side bets Live Hi-Lo

Many live games also have side bets at non GamStop casinos. These are small bets placed outside of the main game. Live Hi-Lo’s side bets generally have a higher payout, but also carry a greater risk of loss. For example, you can bet that the next card will be one of the following cards or one of the three blocks:

  • Red or black
  • Bait
  • King or Ace
  • 2-5, 6-9 or YES (the 3 blocks)
  • Snap (equal value)

When do you win?

You place a bet and try to correctly predict the next card. The dealer lays down a card, and you then have to bet on whether the next (fourth) card will be higher or lower. If your bet is correct, you win. You can also place a side bet. If you predict the outcome correctly, you also win.

Bet and winnings payout

The stakes and payouts can vary considerably. Bets range from €1 to as much as €200. What you bet on also matters in Live Hi-Lo. If you choose the regular version without placing any side bets, the payout depends on which card is on the table.

The payouts in Hi-Lo are so-called “dynamic.” This means that the payouts depend on the number of winning cards. For example, if the base card is a 5, a bet on a lower number has only three options, namely 2-4. In this case, the payout is therefore higher. However, the payouts of the side bets are fixed.

Stake Option Payout
Red or Black 1.92× the stake
Bait 11.56× the stake
King or Ace 5.78× the stake
2–5, 6–9 2.89× the stake
Snap 12.06× the stake

Return to player

The Return to Player (RTP) depends on the stake. However, this difference is minimal, fluctuating between 96% and 96.67%.

Strategy and game tips Live Hi-Lo

There’s no optimal gaming strategy that will ensure you win at non GamStop casinos. However, our experts do have some gaming tips that can help you.

  • Remembering cards: By keeping track of the cards that have been dealt, you can be a little more accurate in predicting which cards might still be drawn. If there have been many high cards, the chance of another high card being drawn is slightly smaller. However, this doesn’t guarantee a win, as six decks are used.
  • RTP: It’s wise to place a bet with the highest payout percentage. The table below shows the payout percentages for the best betting options:
Stake Option Payout Percentage
Snap 96.65%
Bait 96.33%
King or Ace 96.33%
Group 96.33%

Advantages and disadvantages of Live Hi-Lo

Just like any other casino game, playing Live Hi-Lo has its advantages and disadvantages. We’ve listed them below for you.

Advantages

  • RTP between 96% and 96.67%
  • Simple game explanation
  • Side bets can pay out up to 11.56 x your stake

Disadvantages

  • Payouts are dynamic and depend on the number of winning cards

Conclusion

This simple, high-low card game is ideal for beginning gamblers. It’s easy to understand, and you can see at a glance whether you’ve won. It’s child’s play. The payout percentage is excellent, and the game has a nice pace. We definitely recommend trying this live card game.

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