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Baccarat Odds and Rules Explained

Author: Preston Davis | Updated: March 2, 2023

Baccarat Odds and Rules Explained

Baccarat is one of the most popular casino table games. It's a card game in which you can bet on one of three possible outcomes before the cards are dealt. The game is played between the player and the banker, with a tie option available.

Baccarat has no double digits, and the highest possible number is nine. A hand with a value greater than nine will only use the second digit. A six and a five, for example, would be worth one point rather than eleven.

The game has been played for hundreds of years, and its popularity grew in France during the nineteenth century. It was most recently known as James Bond's favourite casino game. Many new ways to play have been developed over the years, but the ultimate goal remains the same. Players wager on which hand they believe will come closest to a natural nine without going over. You can bet on either hand or the tie, which means you can win even if your hand loses.

Before you begin playing baccarat, you should understand how the game works and what the odds are. You'll learn about baccarat odds and payouts, as well as the house edge and how it compares to other casino games, in the following guide. When playing for real money, you'll need to be aware of all the details in order to place winning bets.

Baccarat Odds

When playing baccarat, you can place a bet on the banker, the player, or the tie. If the option on which you bet wins, you will be paid out. But which is the best bet? You'll need to know the odds to figure that out. Each outcome has a specific chance of occurring based on the game's mathematics.

The banker has a 45.86% chance of winning on each hand in the standard eight-deck version of the game. The player has a slightly lower chance at 44.62%, while the tie has a small chance at 9.52%. If you play a version of the game with fewer decks, your chances of hitting a tie decrease slightly while your chances of winning as a player or banker increase.

Because the odds can change, it's critical to know how many decks you'll be using before you begin. Although it is a minor change, it could have a significant impact on your strategy. It's also worth noting that some baccarat variations include side bets like pair bets and big or small bets. The odds for these vary, but they are all lower than the odds for player or banker bets.

Odds of Baccarat vs Other Games

Baccarat has very good odds when compared to other casino games. For hundreds of years, the game has been very popular, and it has a reputation for attracting high rollers. This is due to the fact that it is simple to play and provides excellent odds.

Baccarat is an excellent game for those who want to limit their risk while still having the chance to win big. Because the house edge is only 1%, casinos make very little money from baccarat when compared to other games. Furthermore, with ten paylines per bet and bonuses that offer huge rewards just for playing baccarat, it's no surprise that this game is popular. Are you ready for the best part? Baccarat is one of the simplest games to learn, making it ideal for newcomers.

Although a lack of strategy may be a disadvantage for some, it makes baccarat simple to play while providing excellent odds. Even if you don't play optimally, the house edge remains constant. It all depends on the bets you place.

Banker vs. Player

Baccarat has three betting options, excluding any side bets. There are three of them: the banker, the player, and the tie. The banker represents the dealer's hand, while the player represents your hand. It makes no difference if you lose your baccarat hand because you can still win if you bet on the right outcome.

When playing baccarat, most players ignore the tie bet and concentrate on either the banker or the player. This is because the tie is extremely unlikely to occur. Focusing on the banker or the player can help you win more bets.

Because the banker has slightly better odds, most people choose this option. You must, however, pay a 5% commission on each win with this bet. However, don't let that deter you because it's still a slightly better bet in the long run.

Baccarat Odds vs Blackjack

Blackjack is one of the few table casino games arguably more popular than baccarat. The two games share some similarities, with both being played using cards and against the dealer. In blackjack, the game aims to beat the dealer without going over 21. However, you can’t bet on the dealer in this game.

Blackjack is more of a skill-based game, as you get to choose your actions after the initial two cards have been dealt. This gives you more control over the game’s outcome than baccarat, where the third card is automatically drawn. For this reason, many players prefer it, although the house edge is usually very similar.

Both baccarat and blackjack offer a 1:1 payout for winning, although you have more betting options in baccarat. However, the odds of winning in blackjack are slightly lower. If you play with the right strategy, you have a 42.44% chance of winning each hand in blackjack.

Still, the fact that a draw in blackjack is a push rather than a loss means it still has favourable odds. In addition, you can win a 3:2 payout if you have a blackjack, that’s a hand with an ace and a ten-value card. The downside is that if you don’t play using the correct strategy, your chances of success fall. To play blackjack, you must concentrate and play strategically if you want to win consistently.

Baccarat Odds vs Craps

Compared to baccarat, craps is a far more complex game with many different rules and bets. It has a lower house edge than baccarat, but many players prefer it because of the different outcomes and betting options.

The pass line and don't pass line bets have the lowest house edge. The pass line has a 49.29% chance of occurring and a 1.41% house edge, while the don't pass line has a 47.93% chance and a 1.36% house edge. Don't pass also has a 2.78% chance of a push bet, so the house edge is slightly lower despite being less likely.

Payouts for Baccarat

Each bet in baccarat has a different payout. The payout for banker and player bets is 1:1. However, you must pay a 5% commission on any winnings from betting on the banker. Before you place a bet, you should think about the payouts, as the amount of money you can win should influence your decision.

If you bet $10 on the player and it wins, you will win $10. If you bet $10 on the banker and it wins, you'll win $9.50, with the remaining $0.50 going to the casino as commission. The tie bet, on the other hand, has a much higher payout at 8:1. If you bet $10 on the tie and it wins, you'd win $80.

Other baccarat bets include side bets such as player pair, banker pair, either pair, and perfect pair. These are wagers that the starting hand of either the player, the banker, or both will be a pair. For example, if you bet on the banker pair and the banker's starting hand is a pair of 3s, you would win. Both the player and banker pairs pay 11:1, while either pair pays 5:1. Perfect pair has the highest payout in the game, at 25:1.

House Advantage

The house edge is the mathematical advantage that the casino has over the player. All casino games have a house edge, which is how casinos make money. However, this does not imply that making money from these games is impossible. All it means is that the longer you play, the more likely it is that you will lose money.

Baccarat has a very low house edge. It varies depending on the game version and the casino, but it's usually around 1%. The edge will also change depending on which bet you make. Because the banker bet is the most likely outcome, it also has the lowest edge at 1.06%.

If you bet $100 on banker bets over a long period of time, you could expect to win back $98.94. The house edge on the player bet is 1.24%, while the house edge on the tie is 14.36%. As a result, betting on the banker is usually the smart bet.

Tie Odds

There are many baccarat players who are tempted by the tie bet because it pays out more than any other standard bet. To what extent, though, is the cost justified? Betting on a tie will result in an 8:1 payout if the final score of both hands is a tie. That's an 80:1 return on a ten dollar wager.

Even though the payment is high, the likelihood of a tie is incredibly low. Chances are 9.52 percent. In other words, if you bet on a tie 100 times, you would only have a nine in ten chance of winning. To put it another way, if you risked $10 each time, you'd have wagered $1,000 overall and won only $720. It was a terrible gamble, costing you a total of $220.


What are the odds calculated in baccarat?

For the three main bets, the banker bet has odds of 45.86%, the player bet has 44.62%, and the tie has 9.52%.

Is there a strategy for baccarat?

No, baccarat is a game of chance, and there’s no strategy. But it’s beneficial to choose the right bet based on the odds of success.

Is baccarat easy to win?

Yes, there are only three regular betting options in baccarat, and it’s relatively easy to win. Winning consistently is harder, but you can increase your chances by choosing the best bet.

Does baccarat have better odds than blackjack?

No, blackjack usually has slightly better odds, but you’ll need to play with optimal strategy. Baccarat is much easier to play as there’s no strategy in how you play your

How do you always win in baccarat?

There’s no way to guarantee your win in baccarat. However, you can increase your chances of success if you bet on the right option.

Is baccarat a game of skill or chance?

Baccarat is a game of chance, with the outcome determined by the draw of the cards and no way to influence it. However, you can change your luck by choosing the right bet.

Preston Davis is a gambling writer based in London. He's always on the lookout for new Online casinos, bonuses, and games to write about - so you can be sure he's on top of any news as soon as it breaks. Preston takes his work seriously but likes to have fun too - which is why he thoroughly tests everything he reviews before giving his final verdict. Preston enjoys spending time with his wife and two young children when he's not writing or playing games.