Baccarat Odds Calculator

Calculate the odds, probabilities, and house edge for all baccarat bets. Compare Banker, Player, Tie, and side bets to find the mathematically optimal strategy.

Formula:House Edge = Expected Loss / Total Wagered

Win Probability

45.86%

House Edge

1.06%

Payout

1:1 (5% commission)

Bet that banker hand wins. Standard 5% commission on wins.

Select Bet Type

Core Probabilities (8-Deck)

45.86%

Banker Wins

44.62%

Player Wins

9.52%

Tie

Excluding Ties

When ties push: Banker wins 50.68% | Player wins 49.32%

This 1.36% advantage is why Banker is the better bet, even with 5% commission.

House Edge Comparison

BetProbabilityPayoutHouse Edge
Banker45.86%1:1 (5% commission)1.06%
Player44.62%1:11.24%
Tie9.52%8:114.36%
Banker Pair7.47%11:110.36%
Player Pair7.47%11:110.36%
Either Pair14.22%5:114.54%
Perfect Pair3.35%25:113.03%
Big68.21%0.54:14.35%
Small31.79%1.5:15.27%
Dragon 72.25%40:17.61%
Panda 83.42%25:110.19%

Strategy Recommendations

Best Bets

  • Banker (1.06%): Mathematically optimal. Always the best choice.
  • Player (1.24%): Second best. No commission but slightly worse odds.

Bets to Avoid

  • Tie (14.36%): One of the worst bets in the casino.
  • Pair bets (10%+): High edge, low probability.
  • Super 6 (29.98%): Extremely poor odds.

Quick Answer

Banker wins 45.86% of hands, Player wins 44.62%, and Tie occurs 9.52%. The Banker bet has the lowest house edge at 1.06% (with 5% commission), making it the mathematically optimal choice. Player bet has 1.24% edge. Avoid the Tie bet at 14.36% edge.

Key Facts

  • Banker wins 45.86% of hands (excluding ties: 50.68%)
  • Player wins 44.62% of hands (excluding ties: 49.32%)
  • Tie occurs 9.52% of hands
  • Banker bet: 1.06% house edge (best bet)
  • Player bet: 1.24% house edge
  • Tie bet: 14.36% house edge at 8:1 (4.84% at 9:1)
  • Pair bets: ~10% house edge - avoid these side bets

Understanding Baccarat Odds

Baccarat is one of the simplest casino games with some of the best odds available. Unlike blackjack, there are no decisions to make after betting - the outcome is determined entirely by the cards and fixed drawing rules.

Why Banker Wins More Often

The Banker hand has an advantage because it acts last. The Banker's decision to draw a third card is based on knowing what the Player's third card was (if drawn). This information advantage results in Banker winning 50.68% of non-tie hands.

Frequently Asked Questions

What are the odds of winning in baccarat?

Banker wins 45.86% of all hands, Player wins 44.62%, and 9.52% are ties. When excluding ties (which push), Banker wins 50.68% and Player wins 49.32%. This ~1.4% difference is why Banker is the better bet.

Why is Banker bet better than Player?

Banker wins more often due to the drawing rules - the banker acts last and can make decisions based on the player's third card. Even with the 5% commission on wins, Banker has 1.06% house edge vs Player's 1.24%.

Should I ever bet on Tie?

The Tie bet has a 14.36% house edge at 8:1 payout (4.84% at 9:1). While the 8:1 or 9:1 payout seems attractive, the 9.52% probability means you're losing money much faster than Banker or Player bets. Avoid it.

Do betting patterns work in baccarat?

No betting pattern (streak betting, chop betting, etc.) can overcome the house edge. Each hand is independent with the same probabilities. Pattern betting may be fun but has no mathematical advantage.

What are the odds of getting a natural in baccarat?

A natural (8 or 9 on the first two cards) occurs approximately 16.25% of the time for each hand. When one hand has a natural, it usually wins immediately unless both hands have naturals of the same value (tie).