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

CommissionHouse Edge$100 Win Net80-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.