Baccarat Pair Bet Calculator

Calculate the probability, house edge, and expected value of baccarat pair bets. Includes player pair, banker pair, and perfect pair analysis.

Formula:House Edge = 1 - P(pair) × (payout + 1)

House Edge

10.36%

Pair Probability

7.47%

1 in 13 hands

Payout

11:1

Expected Loss

$1.036

Per bet

$

Amount wagered on pair

Which pair bet?

Check your table's payout

Affects pair probability

Payout and House Edge Comparison

Pair TypeProbability11:1 Edge12:1 Edge
Player Pair7.47%10.36%2.89%
Banker Pair7.47%10.36%2.89%
Perfect Pair1.69%25:1 → ~10.1% edge

How Deck Count Affects Pair Probability

1 Deck
5.88%
2 Decks
6.80%
6 Decks
7.40%
8 Decks
7.47%

More decks = higher pair probability. Single deck has 5.88% pair chance vs 7.47% for 8 decks.

Strategy Recommendation

At 11:1, the pair bet has a 10.36% house edge - one of the higher edges in baccarat. Look for tables paying 12:1 to reduce the edge to 2.89%.

Key Facts

  • •Pair probability: 7.47% in 8-deck game (1 in ~13 hands)
  • •Standard payout: 11:1 (house edge 10.36%)
  • •Better payout: 12:1 (house edge 2.89%) - look for these tables
  • •Perfect pair: Same rank AND suit (~1.69%), pays 25:1
  • •Player pair and banker pair have identical odds

Frequently Asked Questions

What is a pair bet in baccarat?

A pair bet wins when the first two cards dealt to either the player or banker are the same rank (e.g., two 7s, two Kings). It pays 11:1 at most casinos. Perfect pair (same rank AND suit) typically pays 25:1.

What is the house edge on baccarat pair bets?

At 11:1 payout with 8 decks, the house edge is about 10.36%. This is much higher than banker (1.06%) or player (1.24%) bets. Some casinos offer 12:1, reducing the edge to around 2.89%.

How often do pairs occur in baccarat?

In an 8-deck game, a pair occurs about 7.47% of the time (roughly 1 in 13 hands). Perfect pairs (same suit) are much rarer at about 1.69% (roughly 1 in 59).

Should I bet on player pair or banker pair?

Mathematically they're identical - both have the same probability and payout. There's no advantage to betting one over the other. Many players bet on both, but this doesn't change the house edge.