Calculate the exact house edge for baccarat bets with custom commission rates and tie payouts. Compare different casino rules to find the best odds.
Best Bet
Banker
1.06% house edge
1.06%
Banker
1.23%
Player
14.36%
Tie
Expected loss = Bet × House Edge. This is the average over many bets.
| Commission | Banker Edge | Loss per $1,000 |
|---|---|---|
| 0% | -1.23% | -$12 |
| 3% | 0.14% | $1 |
| 4% | 0.60% | $6 |
| 5% | 1.06% | $11 |
| 6% | 1.52% | $15 |
Lower commission = better odds. Seek casinos with 4% or no-commission baccarat.
Avoid all side bets. Stick to Banker or Player for best odds.
Standard baccarat house edges: Banker 1.06% (with 5% commission), Player 1.24%, Tie 14.36% (8:1) or 4.84% (9:1). For every $1000 wagered, expect to lose $10.6 on Banker, $12.4 on Player, or $143.6 on Tie.
House edge is the casino's mathematical advantage on each bet. In baccarat, it's calculated from the probability of winning and the payout structure. The Banker bet's edge comes from the 5% commission, while the Player bet's edge comes purely from the probability difference.
Each 1% reduction in Banker commission reduces the house edge by approximately 0.46%. At 0% commission (like EZ Baccarat variants), Banker would have a player advantage without the "push on Dragon 7" rule that balances it.
With standard 5% commission, the Banker bet has a 1.06% house edge. This means for every $1,000 wagered over time, you lose $10.60 on average. Some casinos offer 4% commission (0.60% edge) or no commission variants.
The commission directly impacts house edge: 5% commission = 1.06% edge, 4% commission = 0.60% edge, 3% commission = 0.14% edge. No commission variants use other mechanisms (like pushing on certain results) which typically result in ~1% edge.
The Tie bet pays 8:1 or 9:1 but only wins 9.52% of the time. For 8:1 payout, you'd need 11.11% probability to break even. The gap between actual probability (9.52%) and breakeven (11.11%) creates the 14.36% house edge.
The 9:1 Tie payout has 4.84% house edge vs 14.36% for 8:1. While much better, it's still worse than Banker (1.06%) or Player (1.24%). If you must bet Tie, seek 9:1 tables, but optimal strategy avoids Tie entirely.
EZ Baccarat eliminates Banker commission but pushes when Banker wins with a 3-card 7 ("Dragon 7"). This results in approximately 1.02% house edge - slightly better than standard Banker. The Dragon 7 side bet has 7.61% edge.
Quick-start with common scenarios
Best Bet
Banker
1.06% house edge
1.06%
Banker
1.23%
Player
14.36%
Tie