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Baccarat: Betting Options and Payouts

Three Main Bets

PLAYER BET

  • Payout: 1:1 (even money)
  • Example: Bet $10, win $10
  • House Edge: 1.24%
  • Win Rate: 44.6%

BANKER BET

  • Payout: 1:1 minus 5% commission
  • Example: Bet $10, win $9.50
  • House Edge: 1.06%
  • Win Rate: 45.9%

TIE BET

  • Payout: 8:1
  • Example: Bet $10, win $80
  • House Edge: 14.36%
  • Win Rate: 9.5%

Commission on Banker Bets

Why the Commission? The Banker bet wins slightly more often than the Player bet, so casinos charge a 5% commission on winning Banker bets to maintain their edge.

• Bet $20 on Banker and win → You get back $39 ($20 bet + $19 profit)

• Commission: $1 (5% of $20 winnings)

• Net profit: $19

Which Bet is Best?

Best Bet: BANKER - Lowest house edge at 1.06% even with the 5% commission.

Second Best: PLAYER - Slightly higher house edge at 1.24% but no commission to track.

Avoid: TIE - Very high house edge at 14.36% despite the attractive 8:1 payout.