Baccarat Commission Calculator
Calculate how different commission rates affect your baccarat banker bet payouts and house edge. Find the best value tables.
Formula:
House Edge = P(Player) - P(Banker) × (1 - Commission)Net Win (Banker)
$95.00
After $5.00 commission
House Edge
1.05%
Commission Cost
$5.00
5% of win
Session EV
-$84.24
80 hands
$
Amount wagered on banker
Lower commission = lower house edge
Standard vs EZ Baccarat
For session cost calculation
Commission Rate Comparison
| Commission | House Edge | $100 Win Net | 80-Hand Session Cost |
|---|---|---|---|
| 5% | 1.05% | $95.00 | $84.24 |
| 4% | 0.59% | $96.00 | $47.55 |
| 3% | 0.14% | $97.00 | $10.86 |
| 2.75% | 0.02% | $97.25 | $1.69 |
| EZ (Dragon 7 push) | 1.02% | $100.00 | $81.60 |
Why Does Banker Pay Commission?
Due to baccarat's drawing rules, the banker hand wins more often than the player hand:
Banker Wins
45.86%
Player Wins
44.62%
Tie
9.52%
Without the 5% commission, banker bets would have a 1.24% player edge. The commission shifts the edge to the house.
Key Facts
- •Standard 5% commission creates 1.06% house edge
- •4% commission reduces edge to 0.60% - excellent deal
- •Banker wins 45.86% of resolved hands
- •Without commission, banker bet would favor the player
- •EZ Baccarat: no commission but Dragon 7 pushes
Frequently Asked Questions
Why is there a commission on banker bets?
The banker hand wins slightly more often (45.86% vs 44.62%) due to the drawing rules. Without commission, banker would have a player advantage. The 5% commission creates the house edge of 1.06%.
What is the best baccarat commission rate?
Lower is better. 5% is standard (1.06% edge). Some casinos offer 4% (0.60% edge) or even 3% (0.14% edge). Finding tables with reduced commission significantly improves your odds.
Is EZ Baccarat better than standard baccarat?
EZ Baccarat has 1.02% edge vs 1.06% for standard 5% commission - slightly better. However, the push on Dragon 7 can be frustrating. Both are excellent bets.
When is commission collected?
Traditionally, commission is tracked and collected when you leave the table or after each shoe. Some casinos collect immediately after each winning hand. The math is the same either way.
Try These Examples
Quick-start with common scenarios
How this works
Calculations follow the published mathematics of the game — combinatorics for cards, probability theory for dice, and expected-value accounting for wagers. Results are verified against independent references (primarily Wizard of Odds). No calculation here is an opinion or recommendation; it is arithmetic applied to the rules of the game.
What this tool can’t do
When to consult a professional
This tool computes probability and expected value. It is not a betting system and cannot predict the outcome of any individual wager. If gambling is causing problems for you or someone you know, call the National Problem Gambling Helpline at 1-800-GAMBLER.
Sources
- [1]Wizard of Odds — Michael Shackleford, ASAIndustrywizardofodds.comAccessed Apr 21, 2026
Actuary; widely cited casino-game probability reference. Used for house-edge and EV verification.
- [2]National Council on Problem GamblingOfficial sourcencpgambling.orgAccessed Apr 21, 2026
Responsible-gambling guidance and 1-800-GAMBLER helpline.
Joseph OrdunaFounder & Software Engineer
Full-stack software engineer specializing in embedded systems, web architecture, and AI/ML. Founder of Practical Web Tools. Built the gesture-controlled drone IP acquired by KD Interactive (Aura Drone, sold on Amazon).
Net Win (Banker)
$95.00
After $5.00 commission
House Edge
1.05%
Commission Cost
$5.00
5% of win
Session EV
-$84.24
80 hands