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Taking it feels safe but costs money over time.\n\nThe maths: with a fresh shoe, the dealer's down card is a ten-value (completing blackjack and forcing a push on your natural) roughly 30.8% of the time, so about 69.2% of the time the dealer does not have blackjack and your natural pays the full 3:2.\n\nWorked example on a £100 natural: if you take even money you collect £100 profit, guaranteed. If you decline, then about 69.2% of the time you are paid 3:2 for £150 profit, and about 30.8% of the time the dealer also has blackjack and the hand pushes for £0. The expected value of declining is 0.692 × £150 + 0.308 × £0 ≈ £103.80 — more than the certain £100 from taking even money. 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