1324 Baccarat system explained

1324 system

1324 strategy explained and tested

The 1-3-2-4 system is a gambling strategy devised by Fortune Palace in 2006, which works well on bets which are close to evens chance (i.e. 50/50, like a coin toss) - particularly in Baccarat and Roulette.

There are no actual 50/50 chances in casino games (for example, the Zero in Roulette means that even Red / Black isn't quite 50/50) but some bets come close.

The 1-3-2-4 system / strategy is based on the popular 1-3-2-6 system, but is designed to reduce the win/loss variance by only betting 4 units on the fourth bet, thereby preserving an overall win, even if the last bet loses. In the 1-3-2-6, you could accrue a profit of six units by winning the first three bets (1, 3 and 2) and then gamble all of that on the last bet.

Our thinking when devising the 1-3-2-4 was that you keep back two units from the six already won, so the 1-3-2-4 ensures an overall profit if the first two bets win.

the 1-3-2-4 ensures an overall profit if the first two bets win

This is especially important in Baccarat, because the vigorish (commission paid on wins) makes the Banker bet a less than even chance. We explain this in detail below: the 1-3-2-4 in Baccarat)

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What makes a good gambling strategy?

No gambling system can guarantee success. If someone invented one, they certainly wouldn't sell it(!) and the casinos would be very quick to ban its use.

A good gambling strategy is one which gives you the best chance of success over a large enough number of games, by taking into account the mathematics of the specific game you're playing (the 'house edge').

When Fortune Palace devised the 1-3-2-4 system back in 2006, we wanted a strategy that would give the player a slight edge in certain circumstances - particular bets on specific games.

Taking the 1-3-2-6 strategy as a starting point, we came up with a system that works well on close to Evens chance bets in games like Baccarat, Roulette and Sic Bo, but which doesn't chase losses or try to get the largest possible win.

We feel the 1-3-2-4 strategy is the best system out there for use on these games.

How to use the 1324 system

In the 1-3-2-4 gambling system, the sequence of winning bets is simply

1, 3, 2, 4.

If a bet wins, you progress to the next bet in the sequence.
If a bet loses, you go back to the start.
If you win all four bets and complete the sequence, you go back to the start, having made 10 units profit!

NB the bets relate to a number of units, so if you're betting in £10 units, your bet sequence is 10, 30, 20, 40.

See the 1-3-2-4 in action

If you want to see a step-by-step video tutorial on the 1-3-2-4 system, check out our Youtube video below.

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as long as you win the first two bets, you're guaranteed to come out of the sequence with an overall profit

You win big with the 1-3-2-4 when all four bets come up (a 1 in 16 chance)

But the great thing about the 1-3-2-4 is that as long as you win the first two bets (1 in 4), you're guaranteed an overall profit, even if the third bet loses!

If your first bet loses, your loss is 1 unit.
If the second loses, your loss is 2 units (you'll have bet 4, won 2)
If the third bet loses, you make a profit of 2 units, because you'll be 4 units up after bet 2!
If the third and fourth win, your overall profit is 10 units.
But even if the fourth bet loses, you still come out with an overall profit of 2 units.

The following table shows you how your profit accrues as you move through the sequence of bets. Remember that we're discussing this in terms of betting units, so if you're betting in £10 units, your bet sequence is 10, 30, 20, 40; if you're betting in £25 units, your bet sequence is 25, 50, 75, 100; if you're betting in £50 units, your bet sequence is 50, 100, 150, 200.

# Bet W/L +/- W/L +/-
#1 1 Win +1 Lose -1
#2 3 Win +4 Lose -2
#3 2 Win +6 Lose +2
#4 4 Win +10 Lose +2

In the table above, note how with the 1-3-2-4 system you end with an overall profit of 2 units even if you lose bet 3 or bet 4.

Keep your winnings

We devised this gambling system because we feel that for lower-risk gamblers the 1-3-2-6 takes too much of a risk once you've won 3 bets. Where the 1-3-2-6 gambles all 6 of your profit on the fourth bet, this system keeps 2 back, to ensure a profit even if only 3 of the 4 bets win.

For a reminder of the tests we use, check out our systems summary page…


1. Alternating win
2. Alternating loss
3. Consecutive win
4. Consecutive loss
5. Good win
6. Bad loss

Overall result for all 6 tests


Break even
7 units loss
5 units profit
5 units loss
22 units profit
7 units loss

8 units profit

A system for the real world

The main difference between this and the 1-3-2-6 is in the "consecutive win" test (see test results above). This gambling system returns a profit of 5 as opposed to 1. This is offset by making 22 as opposed to 26 on the "good win" test.

In our opinion, though, the "consecutive win" test is more realistic than the "good win" test. As our overall gambling strategy explains, a good gambling system should make consistent profits in realistic situations rather than larger profits in less realistic ones.

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The 1-3-2-4 in Baccarat

There are a multitude of Baccarat strategy sites that push the 1-3-2-6 system, claiming that a losing fourth bet leaves you even. This is based on the reasoning that the 'money back on Tie' rule makes the probability of winning on Banker more than 1 in 2 i.e. better than a coin toss. Whilst this is true, the vigorish (the commission taken on winning banker bets), means that a losing fourth bet actually results in a loss of 0.3 units when using the 1-3-2-6.

The 1-3-2-4 allows for the vigorish and returns a profit instead. There's some rather complex maths behind this, and if you want to know more it's explained fully in our Baccarat strategy page.

The 1-3-2-4 is a simple system to operate and we recommend it for low-risk gamblers. It is another of our preferred gambling systems for the Big/Small bets in Sic Bo - see Sic Bo winning strategy for explanation.

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