Odds at a glance
| Bet | Pays | House edge |
| Banker | 19:20 | 1.06% |
| Player | 1:1 | 1.24% |
| Tie | 8:1 | 14.36% |
Tables you will find
- Speed baccarat: about 25-second rounds.
- Squeeze: cards revealed slowly.
- No commission: Banker paid evenly, except half on a winning six.
- Dragon Tiger: a one-card cousin with similar odds on the main bets.
Full tips in our baccarat guide.
Baccarat house edge: Banker, Player and Tie compared
Baccarat has three main bets, and the house edge differs sharply between them. The Banker bet carries a house edge of 1.06% in an eight-deck game after the usual 5% commission. The Player bet carries a house edge of 1.24% and pays 1:1. The Tie bet at 8:1 carries a house edge of 14.36%. Baccarat players who want the lowest cost per round therefore choose Banker or Player and leave the Tie alone.
Round outcomes explain the ranking of the bets. Banker wins 45.86% of rounds, Player wins 44.62% and a tie lands in 9.52%. Banker wins more often than Player, and the commission is what narrows the gap between them. The Tie pays well when it lands, but it lands rarely, which is why its edge is so high.
Baccarat's edge is easier to compare with slots when it is written as a return. Banker's return to player is 98.94% in the standard game. Baccarat's return of that size is high next to most slots. Our guide to RTP at new online casinos explains how return and house edge relate.
Commission-free baccarat and side bets compared with the main bets
No-commission tables pay Banker evenly, except half on a winning six. Commission-free Banker has a house edge of 1.46%. Commission-free Banker therefore costs more than the standard Banker bet with 5% commission. The table looks friendlier because no commission is deducted, but the reduced payout on a six takes the difference back.
Side bets cost more than the main bets. The Dragon 7 side bet has a house edge of 7.61%. The Panda 8 side bet has a house edge of 10.19%. Both side bets cost more than Banker or Player, so they suit a small stake for entertainment and not a plan for steady play. The pair bet, which pays 11:1 on a Player pair or Banker pair, has a house edge of 10.36%.
Live baccarat studios and round speed at new casinos
Live baccarat comes from studios such as Evolution, SA Gaming and Asia Gaming. Each studio sets the table limits, the round speed and the variants on offer. Speed baccarat runs rounds of about 25 seconds, while squeeze tables reveal each card slowly. A casino's studio list tells you which of these tables exist before you register. Our page on new live casinos lists casinos built around live tables.
Round speed changes the cost of a session. Faster rounds mean more bets per hour, and more bets per hour means more of the house edge is paid. Baccarat at a slow squeeze table therefore costs less per hour than speed baccarat at the same stake, although the edge on each bet is unchanged.
Baccarat bonuses and wagering contribution
Baccarat usually counts for little towards wagering. Most casinos count baccarat at 10% or less towards wagering, and some exclude it entirely. As an illustration, a game that counts 10% needs ten times the turnover of a game that counts 100%. Whether a bonus is sticky decides what you lose if you play baccarat anyway, and sticky and non-sticky bonuses explains the difference.
A player who mainly wants baccarat can decline the welcome offer and play with cash. That choice keeps every bet outside the wagering rules. Declining also avoids bet-size caps that bonus terms often place on card games.
How to choose a baccarat table at a new casino
Table limits decide how long a bankroll lasts. A table with a high minimum stake ends a small bankroll in few rounds. Baccarat tables at new casinos differ in minimum and maximum stakes, so check both before depositing.
A payout method you can receive is the second check. A casino that lists baccarat but cannot pay out to your account gives no value. Confirm the withdrawal methods before you play, not after a win.
Stake size should match the edge you accept. A small, fixed stake on Banker or Player keeps the cost of a session predictable. Raising the stake after a loss raises the amount at risk without changing the house edge on any bet. Baccarat is a game of chance, so set a deposit limit first and stop when it is reached. Our baccarat guide covers bankroll habits in more detail.
+43
