Baccarat Odds, House Edge and Payouts
In an 8-deck baccarat game, Banker wins 45.86% of hands, Player 44.62% and Tie 9.52%. After payouts, the house edge is 1.06% on Banker, 1.24% on Player and 14.36% on Tie. Those three numbers explain almost everything about baccarat odds — the rest of this page shows where they come from and how other bets compare.
Baccarat Odds at a Glance
| Bet | Payout | Win probability | House edge |
|---|---|---|---|
| Banker | 0.95 to 1 | 45.86% | 1.06% |
| Player | 1 to 1 | 44.62% | 1.24% |
| Tie | 8 to 1 | 9.52% | 14.36% |
| Tie (at 9 to 1 tables) | 9 to 1 | 9.52% | 4.84% |
| Player Pair / Banker Pair | 11 to 1 | 7.47% | 10.36% |
Source: Wizard of Odds, baccarat house edge. All figures are for 8 decks. Ties are a push for Player and Banker bets, so their win probabilities don’t add up to 100%.
What Is the House Edge?
The house edge is the share of each bet the casino keeps on average over a very large number of hands. A 1.06% house edge on Banker means that for every $100 you bet on Banker, you can expect to lose about $1.06 in the long run.
It doesn’t tell you what will happen in one session — you can win or lose much more in a few hands. But the more you play, the closer your results get to the house edge.
Banker vs Player vs Tie
Banker is the best bet, Player is close behind, and Tie is far worse. The gap between Banker and Player is small: 0.18 percentage points. The gap to Tie is huge: betting on Tie costs you more than 13 times as much as betting on Banker.
Why the Banker Wins More Often
The Banker hand acts last. Under the third card rules, Banker’s decision to draw depends on what the Player hand already did, which gives it a small information advantage. That’s why Banker wins 45.86% of hands against Player’s 44.62%.
The 5% Commission
Without a fee, the Banker bet would give players an edge of about 1.24% over the casino. The 5% commission on Banker wins turns that into a 1.06% house edge. Tables without commission use other tricks instead — such as paying half on a Banker win with 6 — and end up with a higher edge, about 1.46%.
Tie Bet Odds: 8 to 1 vs 9 to 1
A Tie happens in about 9.52% of hands — roughly 1 in 10.5. At the standard 8 to 1 payout, that gives a house edge of 14.36%. Some tables pay 9 to 1, which cuts the edge to about 4.84%.
Even at 9 to 1, the Tie bet is several times more expensive than Banker or Player. If you do bet on Tie, look for a 9 to 1 table.
Side Bet Odds
Side bets offer big payouts and carry big house edges.
| Side bet | Payout | House edge |
|---|---|---|
| Dragon Bonus (Player) | up to 30 to 1 | 2.65% |
| Dragon 7 (EZ Baccarat) | 40 to 1 | 7.61% |
| Dragon Bonus (Banker) | up to 30 to 1 | 9.37% |
| Panda 8 (EZ Baccarat) | 25 to 1 | 10.19% |
| Player Pair / Banker Pair | 11 to 1 | 10.36% |
Pay tables vary by provider. Details for each bet are on our baccarat variants page.
Does the Number of Decks Matter?
For the main bets, very little. Fewer decks slightly improve Banker and slightly worsen Player, but those differences are a fraction of a percentage point. The Tie bet is the exception: with a single deck its house edge rises by about 1.4 points.
| Decks | Banker | Player | Tie (8 to 1) |
|---|---|---|---|
| 1 | 1.01% | 1.29% | 15.75% |
| 6 | 1.06% | 1.24% | 14.44% |
| 8 | 1.06% | 1.24% | 14.36% |
Streaks: How Likely Are They?
Streaks feel meaningful, but they’re a normal part of random results. The chance that Banker wins the next several hands in a row (counting ties as breaking the streak) falls quickly:
| Banker wins in a row | Probability |
|---|---|
| 2 | about 21% |
| 3 | about 9.6% |
| 4 | about 4.4% |
| 5 | about 2.0% |
| 6 | about 0.9% |
If you bet on Banker every hand, the chance of losing 6 decided hands in a row (ignoring ties, which are a push) is about 1.4%, or roughly 1 in 70. Over hundreds of hands, such streaks are almost certain to happen — which is why progressive systems like Martingale are so risky. And after any streak, the next hand’s odds are unchanged: Banker still wins 45.86% of the time. Figures: Wizard of Odds, 8 decks, each hand independent; checked on 21.10.2026.
Baccarat vs Blackjack vs Roulette Odds
Baccarat’s Banker bet is one of the best bets in the casino, but not the best of all.
| Game and bet | House edge |
|---|---|
| Blackjack with perfect basic strategy | about 0.5% about 0.5% (6–8 decks, 3:2 blackjack, perfect basic strategy) |
| Baccarat — Banker | 1.06% |
| Baccarat — Player | 1.24% |
| European roulette | 2.70% |
| American roulette | 5.26% |
| Baccarat — Tie | 14.36% |
Blackjack can beat baccarat, but only if you play every hand correctly. Baccarat gives you a low edge with no decisions at all, which makes it one of the best-odds games for casual players.
FAQ
In an 8-deck game, Banker wins 45.86% of hands, Player 44.62% and Tie 9.52%.
Banker acts last under the third card rules, so its decisions take the Player’s third card into account. That small advantage is why casinos charge a 5% commission on Banker wins.
The Banker bet, at 1.06%, is among the best. Blackjack played with perfect basic strategy can be slightly better, and some video poker games too.
About 9.52%, or roughly 1 in 10.5 hands. At 8 to 1, the house edge on Tie is 14.36%.
Betting on Banker and ignoring ties, about 1.4%, or roughly 1 in 70.
Live tables show results on scoreboards called roads: red usually marks Banker, blue Player and green Tie. They show history, not future results. See our live baccarat guide.
Play the best odds in baccarat
Bet on Banker, skip the Tie, and set a budget before you play.