Which baccarat bet has the best odds?

The Banker bet has the lowest house edge at 1.06% (after the 5% commission), making it the mathematically optimal choice for long-term play.

Why does the Banker bet have a commission?

The Banker hand has a natural mathematical advantage due to the third card rules — it wins about 45.87% of hands vs Player's 44.63%. The 5% commission corrects for this, reducing the house edge from around 1.24% to 1.06%.

Is the Tie bet ever worth placing?

Mathematically, no. At 14.36% house edge, the Tie bet loses at roughly 13x the rate of the Banker bet. The 8:1 payout doesn't compensate for the low probability.

Does the number of decks affect baccarat odds?

Minimally. The difference between 6-deck and 8-deck games is less than 0.1% on house edge. It has more impact on certain side bets.

Baccarat Odds & House Edge — Complete Probability Table 2025

Baccarat is one of the most transparent casino games — the odds are fixed, publicly known, and easy to compare. Here’s the complete picture.

Main Bet Odds Table

Bet	Payout	Win Rate	House Edge
Player	1:1	44.63%	1.24%
Banker	0.95:1 (5% commission)	45.87%	1.06%
Tie	8:1	9.51%	14.36%

Note: Win rates exclude ties. In a full accounting including ties, each of the ~9.51% of tie hands neither wins nor loses for Player/Banker bettors — their stakes are returned (push).

Probability Distribution (8-Deck Standard Rules)

Outcome	Per 10,000 Hands	Probability
Banker wins	4,587	45.87%
Player wins	4,463	44.63%
Tie	951	9.51%

Expected Value Per $100 Bet

Bet	Expected Loss Per Hand	Per 1,000 Hands
Player	$1.24	$1,240
Banker	$1.06	$1,060
Tie	$14.36	$14,360

House Edge Visualised

Player  ████░░░░░░░░░░░░   1.24%
Banker  ███░░░░░░░░░░░░░   1.06%
Tie     █████████████░░░  14.36%

Pair Side Bets

Bet	Payout	House Edge
Player Pair	11:1	10.36%
Banker Pair	11:1	10.36%
Perfect Pair	25:1	13.03%
Either Pair	5:1	14.54%

Pair bets are 10–14× worse than the main bets on expected value.

Dragon Bonus Side Bet

Result	Margin	Payout
Natural win	—	1:1
Natural tie	—	Push
Non-natural win by 9	9 pts	30:1
Non-natural win by 8	8 pts	10:1
Non-natural win by 7	7 pts	6:1
Non-natural win by 6	6 pts	4:1
Non-natural win by 5	5 pts	2:1
Non-natural win by 4	4 pts	1:1

Dragon Bonus house edge: ~2.65% (Player side) / ~9.37% (Banker side).

Commission-Free Baccarat Odds

Version	Banker on 6	House Edge
Standard (with commission)	0.95:1	1.06%
Commission-free	0.50:1	~1.46%

Commission-free is slightly worse mathematically but removes the need to track owed commission.

Bottom Line

For any session, the math-optimal strategy is straightforward:

Bet Banker — lowest house edge, period
Skip Tie — 14.36% house edge makes it the worst standard bet in the game
Avoid side bets — all carry house edges of 10%+