Complete Guide on Baccarat House Edge

Baccarat House Edge

/ 9 min

The house edge in baccarat is a value specific to gambling games that will affect your entire playing experience.

Get information on the baccarat house edge and related facts from the most trusted casino experts in New Zealand.

Baccarat House Edge

Decks Bet type Payout House edge
1 Player 1 to 1 1.2864%
1 Banker 19 to 20 1.0117%
1 Tie 8 to 1 15.7461%
1 Tie 9 to 1 6.3845%
2 Player 1 to 1 1.2565%
2 Banker 19 to 20 1.0389%
2 Tie 8 to 1 15.0228%
2 Tie 9 to 1 5.5809%
4 Player 1 to 1 1.2421%
4 Banker 19 to 20 1.0517%
4 Tie 8 to 1 14.5915%
4 Tie 9 to 1 5.1017%
6 Player 1 to 1 1.2374%
6 Banker 19 to 20 1.0559%
6 Tie 8 to 1 14.4382%
6 Tie 9 to 1 4.9314%
8 Player 1 to 1 1.2350%
8 Banker 19 to 20 1.0580%
8 Tie 8 to 1 14.3596%
8 Tie 9 to 1 4.8440%

How Baccarat Edge Changes as the Deck Number Increases

You can see that the house advantage remains relatively constant even as we add several decks of cards. Listed values are valid both for land casinos and online live casinos with baccarat games.

Up to 8 decks are shuffled together in a game. Still, with any number of decks, the casino won’t profit more than 1.28% for bets on the player and 1.06% for bets on the banker, which are the most frequently used types of bets.

Baccarat Edge as the Deck Number Increases

Even as we hypothetically shuffle 20 decks of cards into the game, the house edge baccarat doesn’t change sensibly. The constancy of the house edge in baccarat and the lowest house advantage of 1.05% make it attractive from a player’s point of view.

Be Aware

Only blackjack, craps and poker can compete with baccarat in terms of payout odds. However, baccarat is less skill-based as it implies a minimum of implication from players.

Baccarat Edge Convergence for Tie Bets

Baccarat Edge Convergence for Tie Bets

We do not endorse betting on a tie

Tie bets have a 15% house edge in baccarat, meaning the odds are quite blatantly against you when you place this bet. There is a probability of just 9.6% that the hand will result in a tie.

How to Calculate the House Edge in Baccarat

Baccarat’s built-in house edge refers to a casino’s mathematical advantage over a player.

This percentage is calculated as the average number of scenarios you’re sure to lose against the dealer, considering millions of possibilities (stemming from how the 52 cards in a deck can be randomly distributed during the game).

To calculate the exact numeric house advantage, consider the number of card decks used in the game.

However, as shown above, the variations in house edge baccarat won’t affect the winning probability of your bets much.

Remember the payout odds

How to Calculate the House Edge in Baccarat

  • The standard player bet pays even money or 1:1 odds.
  • The banker offers 19:20 odds.
  • The payout odds for the tie bet are usually 9:1, depending on the casino rules.
Variations in payouts and effects on baccarat house edge
  • Some baccarat versions have a 8:1 payout for tie bets, which increases the overall house advantage.
  • The banker bet payout is lower than 1:1 due to what is called the banker’s commission. No commission baccarat has no such difference in payouts and thus has a better house edge.

Where Does the Baccarat House Edge Come From?

Where Does the Baccarat House Edge Come From

The house edge in baccarat is a consequence of the game’s inner workings. Several factors contribute to it, including the number of decks. Still, the most crucial element is the three possible outcomes in the game and their underlying odds.

The main piece of the action in baccarat is comparing who has the better hand – the player or the banker. You already know that the casino’s advantage for player and banker bets is roughly the same because both outcomes have approximately the same chance of occurring.

Still, there is a possibility of this comparison resulting in a tie, so the main baccarat bets are not really even-money propositions.

How the house edge baccarat works

How the house edge baccarat works

Just like the number zero in roulette makes it that Red/Black bets don’t have 50%/50% chances, the tie outcome affects the even-money payout odds in baccarat.

The casino is ensured to profit in the long run because there’s no reliable way for players to predict who will get the better hand or when a tie will occur.

Similarly, even-money odds in roulette are imperfect because there is one case in which both outcomes (Red/Black) lose – when the ball lands on zero.

Game Rules

  • Baccarat’s main aim is to correctly guess the winning hand between the banker and the player.
  • Players can wager on the banker, player, or a tie.
  • You place a wager on either of the two and then 2 cards are dealt and compared.
  • The hand with a score of 9 or closest to 9 wins (also called a natural).
  • In some instances, a third card is dealt.

Face cards have zero value, and aces count as 1. For example, if you get a King and a 7, you have 7. However, if you get an 8 and a 6, you don’t have 14 but 4.

Since the value cannot be higher than nine, you have to subtract 10 from exceeding scores.

The crucial difference between casinos is the rules that decide when each side can take a third card. Usually, a chart explains under what conditions the player’s or banker’s hand can get a third card.

When the value of the player’s and the banker’s hands is the same, bets get refunded, except if someone at the table has wagered on a Tie.

Lack of Player Input

Baccarat is a speculative game with pre-set rules about when a card is taken and how to compare the player’s and the banker’s results. That means betting in baccarat always comes down to luck.

There is no decision-making from the bettor except to select the bet type and wager amount. The banker/dealer carries out all activity.

Banker Commission

Banker Commission

Betting on the banker’s hand offers better winning odds, because the banker outcome has a 45.8% chance of occurring, compared to 44.6% for the player having a better hand.

Casinos have compensated for this with a standard 5% commission on any winnings from a bet on the banker.

Winning banker bet example

  • Suppose you’ve wagered $20 on the banker’s hand, and you win.
  • In that case, you’ll get $39, your $20 stake, plus $19 in winnings.
  • $1 is the 5% commission.

Look for no-commission baccarat games to eliminate this fee on winnings.

Baccarat House Advantage Compared

We will analyse how the baccarat house edge compares with that of other table games that garnered popularity across New Zealand.

Blackjack vs Baccarat House Edge

Blackjack vs Baccarat House Edge

  • In blackjack, the casino’s advantage can be limited by the player’s decisions, which makes it a game of skill.
  • The house edge in baccarat tends to be fixed (1.05%-1.26%-15%) because your decisions can’t affect the outcome.
  • The maximum house advantage at blackjack casinos is up to 2%.
  • Still, when played correctly, it can drop to about 0.5%. When split bets are permitted, it can decrease to even 0.15%.
  • Blackjack is certainly more preferable – it has a much better payout potential when played with perfect strategy.

Roulette vs Baccarat House Edge

Roulette vs Baccarat House Edge

  • European roulette has a built-in 2.70% house advantage for even-money bets, considerably lower than American roulette with 5.26%.
  • The cause for the big difference is in the extra double zero digits found on the American roulette table, which reduces the probability of winning and spikes the edge in the casino’s favour.
  • You can find both types of games at our roulette sites, but we recommend sticking with the European variant.
  • The main bet in baccarat is also an even-money proposition just like the Red/Black wager, but the roulette house advantage is considerably higher – almost double figures.
  • In the end, it all boils down to NZ players’ preference, but playing baccarat and betting on the banker is technically more advantageous than betting on Red/Black in roulette.

Craps vs Baccarat House Edge

Craps vs Baccarat House Edge

  • The casino advantage in craps depends on the type of bets you are making.
  • For the don’t pass line and pass line wagers, the house advantage is 1.36% and 1.41%, respectively.
  • These bets are the options with the lowest house advantage available in craps.
  • Still, other craps bets can raise the edge over 10%, for instance, straight-up bets and other combinations.
  • Baccarat’s house advantage of 1.06% for the banker bet can be considered more appealing than what craps offers from a statistical standpoint.

Low house edge baccarat is not a guarantee of winning

There is no value or quality characteristic to baccarat that will accurately guarantee the outcome of a round.

You can optimize your chances and see genuine improvements if you choose games with a better payout rate (or a lower house advantage) and stick to the likelier outcomes.

However, you shouldn’t forget that you’re playing a random game of chance designed for the casino to profit. No matter how attractive baccarat odds may seem on paper, you’re always up against real-life uncertainty and the dire prospect that the house always wins.

How to Get an Edge in Baccarat

How to Get an Edge in Baccarat

You will never fully overcome the baccarat house edge because it is built into the game itself. Still, there are a few ways our readers from New Zealand may use it in their favour.

Go for the Bet with the Lowest Edge

Out of the three possible wagers, you should prioritize the banker bet, which enables the lowest baccarat house advantage of 1.06%.

You will probably have to pay the 5% commission for winning bets, but there is a reason for this fee – the fact that the banker’s hand wins in the majority of cases.

Do Not Go for Tie Bets

Especially for new players from New Zealand, it might be tempting to wager on the tie bet because of the high payout potential.

In reality, the tie is the least common outcome in baccarat. From a statistical aspect, betting on a tie is not at all a wise idea.

Wager Small Amounts

You should start with small bets since you’re playing a game that’s entirely based on luck. Sketch out a staking plan before playing and stick to betting the same amount every time.

Most important: Pick fair casinos

Baccarat casinos that we recommend are licensed by trusted authorities, so you’ll have a full suite of responsible gambling tools to use and the certainty of overall fairness.


Can you beat the house in baccarat?

Yes, it’s possible to beat the house, but it all comes down to guessing between three possibilities. However, you can’t use any skill or strategy to beat the house edge baccarat. Your guess depends solely on luck.

Why does a banker have an edge in baccarat?

The banker’s hand wins more frequently because the banker acts second to the player, most importantly in the drawing phase.

What is the house edge in baccarat?

When betting on the player, the house edge baccarat is 1.25%. For bets on the banker, it is 1.06%, while for the tie the casino gets 14%. 

Should I always bet banker in baccarat?

The math says the banker wins more often, but only by a slight margin, 45.86% versus 44.62%. Betting consistently on the banker will not make a very significant difference in the long run.

Can you predict baccarat?

No. Baccarat is a game of chance, so there is no mathematical way to forecast the outcome of any hand. Even tactics based on card counting and edge sorting have been of limited use. 

How do you count cards in baccarat?

There are different card counting methods for baccarat, but experience has shown that counting cards gives no serious advantage. Pre-set rules dictate when a third card is drawn, so the player’s input is practically nonexistent.

What is edge sorting in baccarat?

Edge sorting is a technique of bypassing the casino's advantage. Players look for imperfections on the cards, helping them recognize certain low- or high-value cards and thus gain an advantage.
Francisc Csiki
Author Francisc Csiki Author & Editor at CasinoAlpha
Adina Minculescu
Author Adina Minculescu Senior Author & Editor at CasinoAlpha

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