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Baccarat odds
In 8-deck baccarat, the Banker hand wins 45.86% of hands, Player wins 44.62% and they tie 9.52% of the time. After the 5% commission, the Banker bet has a house edge of 1.06% and the Player bet 1.24%. The Tie bet at 8 to 1 has a house edge of 14.36%, and each pair bet at 11 to 1 has 10.36%.
How often each hand wins
| Result | Chance | About one in |
|---|---|---|
| Banker wins | 45.86% | 2.2 |
| Player wins | 44.62% | 2.2 |
| Tie | 9.52% | 10.5 |
These come from counting every possible 8-deck hand under the standard drawing rules.
Payouts and house edge by bet
| Bet | Pays | House edge | Average cost per 100 bet |
|---|---|---|---|
| Banker | 0.95 to 1 | 1.06% | 1.06 |
| Player | 1 to 1 | 1.24% | 1.24 |
| Tie | 8 to 1 | 14.36% | 14.36 |
| Player Pair | 11 to 1 | 10.36% | 10.36 |
| Banker Pair | 11 to 1 | 10.36% | 10.36 |
The house edge is what a bet loses on average, as a share of the bet, over many hands. Any single hand or shoe can go either way.
What each bet pays
On a 20 bet:
- Banker wins: you win 19 and keep your 20.
- Player wins: you win 20 and keep your 20.
- Tie: you win 160 and keep your 20. Player and Banker bets push.
- Pair: you win 220 and keep your 20.
"To 1" and "for 1"
Baccarat payouts are written "to 1": you win that amount and keep your bet. 8 to 1 on a 10 Tie bet returns 90 in all, 80 won plus your 10. Some tables print payouts "for 1", which includes your bet: 9 for 1 is the same as 8 to 1. The Banker bet's 0.95 to 1 means a 100 bet comes back as 195. When you compare tables, check which way the payouts are written.
Is baccarat 50/50?
Close, but not quite. Ties take 9.52% of hands. Leave the ties out and Banker wins 50.68% of the rest, Player 49.32%. That small lean toward Banker comes from the drawing rules, and it is why Banker pays a commission.
Why Banker pays 5%
Without a commission, a Banker bet would win 45.86% and lose 44.62%, and the player would have the edge, about 1.24%. Taking 5% from each Banker win turns that into a 1.06% house edge. Banker is still the lowest house edge on the table. Banker vs Player.
Two ways to state the house edge
The 1.06% and 1.24% figures count ties as a push, part of every bet made. Some sources leave the ties out and divide only by the hands that won or lost. That gives 1.17% for Banker and 1.36% for Player. Both are correct; they divide by different things.
The Tie bet
A tie comes about once in 10.5 hands. At 8 to 1 the bet has a 14.36% house edge. Some tables pay 9 to 1 on a tie, which brings it down to 4.84%. Our table pays 8 to 1. Tie and pair bets.
The pair bets
With eight decks there are 32 cards of each rank. Once the first card is out, 31 of the remaining 415 match its rank, so a pair comes 7.47% of the time, about once in 13.4 hands. At 11 to 1, the house edge is 10.36%.
Over a shoe
An 8-deck shoe deals about 80 hands. Bet 100 on Banker every hand and the average cost is about 85 over the shoe. Results in a single shoe swing far more than that, both ways. That is why one shoe of High Score can end well above or below the $8,888 you start with.
Do the odds change during the shoe?
Very slightly, as cards are used up. For the Banker and Player bets the effect is tiny, too small to overcome the house edge. The results of earlier hands and the shape of the roads have no effect. Baccarat strategy.
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Questions
What are the odds of winning at baccarat?
With eight decks, Banker wins 45.86% of hands, Player 44.62% and Tie 9.52%.
What is the house edge in baccarat?
1.06% on Banker, 1.24% on Player, 14.36% on Tie at 8 to 1, and 10.36% on each pair bet at 11 to 1.
Is baccarat a 50/50 game?
Nearly. Leaving ties out, Banker wins 50.68% and Player 49.32%. Ties happen on about 9.5% of hands.
What are the odds of a tie in baccarat?
9.52%, about one hand in 10.5. The Tie bet pays 8 to 1.
What is the best bet in baccarat?
Banker. Even after the 5% commission it has the lowest house edge, 1.06%.
What does a pair pay in baccarat?
11 to 1. A pair comes about once in 13.4 hands, and the house edge is 10.36%.
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