Learn · Baccarat

Baccarat: the rules, the odds and the house edge

Bet on the player, the banker or a tie; the cards decide everything.

What each bet costs
Bet	House edge	How we know
Banker	1.058%	exact
Player	1.235%	exact
Tie (8 to 1)	14.360%	exact

Nothing to decide but the bet

Two hands, the player and the banker, get two cards each; only the last digit of the total counts. An 8 or 9 is a natural and stands. Otherwise the player draws on 0 to 5, and the banker draws by the tableau below. The banker bet wins a little more often, so it pays 0.95 to 1.

When the banker draws, by the player's third card
Banker	none	0	1	2	3	4	5	6	7	8	9
0	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw
1	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw
2	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw
3	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw		Draw
4	Draw			Draw	Draw	Draw	Draw	Draw	Draw
5	Draw					Draw	Draw	Draw	Draw
6								Draw	Draw
7

Checked against: Wizard of Odds, baccarat.

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