Baccarat Odds & Payouts
There's a lot to know when it comes to Baccarat odds because the values can change based on a number of variables. As a starting place, you need to know that there are four main bets: banker, player, tie and pair. You can bet on a pair for either of the hands, but the odds are the same for either, so we'll just lump those together into one bet for the sake of simplicity. For the most part, the banker and player bets are going to be the best, and the banker bet is typically going to have about 80% of the house advantage as the player bet. However, this can change.
Deck, Shoe and Odds of Baccarat
Standard odds in Baccarat that you read about most places are based on a fresh, eight-deck shoe. This is the standard shoe that's used in the vast majority of Baccarat games in the land-based casino world.
An eight-deck game has a 1.06% house edge on the banker bet with a 1.24% house advantage on the player bet. This is a very small difference.
The pair bet ranks next at a high 10.36%, and the tie bet is the worst of them all at a rate of 14.36%.
With a six-deck shoe, the odds are essentially the same. The only real difference is that the house advantage on the pair bet increases slightly to 11.25%, and the odds on the tie bet increase to 14.44%. The banker and player bets are not affected enough to change things when rounding down to the hundredths of a percentage point.
|
Bet |
Odds |
Payout |
House Edge |
|
Banker |
45.86% |
0.95:1 |
1.06% |
|
Player |
44.62% |
1:1 |
1.24% |
|
Tie |
9.52% |
8:1 |
14.36% |
Single-Deck Baccarat Odds
Some single-deck Baccarat games are available, and this changes the odds quite a bit. The house advantage is lowered to just 1.01% on the banker bet and kicked up to 1.29% on the player bet. The tie bet increases to 15.75%, but it's the pair bets that really change as we drop down to a single deck. In fact, the house advantage of 29.41% on the pair bet in single-deck Baccarat games is among the worst bets available in any casino game.
The Odds on Certain Side Bets
Because the basic rules of the Baccarat game are relatively simple, a lot of Baccarat online casinos have offered extra bets that they have come up with to add some variety. For the most part, these wagers have worse odds than the banker and player bets, and they'll usually bet set up to be on par with the tie and pair bets.
For an eight-deck game, you can sometimes bet on specific ties happening. For example, you could bet on both hands being dealt a final score of zero for a 150:1 payout and a 12.45% house advantage. A tie on one usually pays 215:1, and it has a house edge of 11.42%. A two is 225:1 at 9.54%, a three is 200:1 at 10.52%, and a four is 120:1 at 12.14%. You'll notice that the payouts are decreasing because the Baccarat winning odds of getting higher scores change as well.
A five is 110:1 for an 11.87% house edge, a six is a much lower 45:1 with an 11.50% house advantage, and a seven also comes in at 45:1 with a 6.39% edge for the house. Both eight and nine pay at 80:1, and they have house advantages of 11.07 and 10.63%, respectively.
