Baccarat House Edge Calculator

Calculate the exact house edge for baccarat bets with custom commission rates and tie payouts. Compare different casino rules to find the best odds.

Formula:Banker Edge = P(lose) - P(win) × (1 - commission)

Best Bet

Banker

1.06% house edge

1.06%

Banker

1.23%

Player

14.36%

Tie

Casino Rules

0% (EZ)5% (Standard)6%
$

Expected Loss per $100 Bet

Banker Bet$1
Player Bet$1
Tie Bet$14

Expected loss = Bet × House Edge. This is the average over many bets.

Commission Impact

CommissionBanker EdgeLoss 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.

Side Bet House Edges

Banker Pair(11:1)
10.36%
Player Pair(11:1)
10.36%
Either Pair(5:1)
14.54%
Dragon 7(40:1)
7.61%
Panda 8(25:1)
10.19%

Avoid all side bets. Stick to Banker or Player for best odds.

Quick Answer

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.

Key Facts

  • Banker (5% commission): 1.06% edge = $1.06 loss per $100
  • Player (no commission): 1.24% edge = $1.24 loss per $100
  • Tie (8:1 payout): 14.36% edge = $14.36 loss per $100
  • Tie (9:1 payout): 4.84% edge = $4.84 loss per $100
  • Lower commission casinos reduce Banker edge proportionally
  • EZ Baccarat has ~1.02% edge on Banker (no commission, push on Dragon 7)

Understanding Baccarat House Edge

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.

Commission Impact

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.

Frequently Asked Questions

What is the house edge on Banker bet?

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.

How does commission affect the Banker edge?

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.

Why does Tie bet have such high house 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.

Is 9:1 Tie payout worth it?

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.

What is EZ Baccarat house edge?

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.