What is the house edge in baccarat?

About 1.06% on Banker, 1.24% on Player and 14.36% on Tie at standard rules. Banker and Player are among the lowest-edge bets in any casino.

Why does Banker have the lowest house edge?

The drawing rules let Banker act second, with knowledge of the Player’s third card - a small, permanent statistical advantage that survives even the 5% commission.

Does no-commission baccarat have a lower edge?

Usually not. No-commission tables pay Banker 1:1 but only half on a Banker win with a total of 6, which actually raises the edge to roughly 1.46%. Always check the rule.

How much does the house edge cost me?

Multiply it by everything you stake. At £10 a hand for 100 hands (£1,000 wagered), a 1.06% edge costs about £10.60 on average. Our calculator works it out for any settings.

Baccarat House Edge: Banker, Player & Tie (UK)

The Banker bet has a house edge of about 1.06%, Player 1.24% and Tie 14.36%. That makes baccarat (on Banker or Player) one of the cheapest games in the casino - and the Tie one of the most expensive bets anywhere.

What "house edge" actually means

The house edge is the share of every stake the casino keeps on average over the long run. A 1.06% edge means that across thousands of hands you lose, on average, about £1.06 for every £100 you wager on Banker. It is not what happens on a single hand - that is variance - but the long-run gravity pulling every bet down. It is the single most honest way to compare bets.

The numbers, bet by bet

Banker

House edge1.06%

Loss / £100£1.06

Pays1:1 −5%

★ Lowest edge

Player

House edge1.24%

Loss / £100£1.24

Pays1:1

Close behind

Tie

House edge14.36%

Loss / £100£14.36

Pays8:1

13× the cost - avoid

For perspective, European roulette runs about 2.70% and many slots sit between 3% and 8%. Baccarat's Banker bet is lower than almost anything else on the floor.

Why Banker has the lowest edge

In one line

Banker draws its third card after seeing the Player’s - a small, fixed advantage.
It wins about 45.9% of hands versus Player’s 44.6%.
The 5% commission exists to stop that edge being too good.

Even after the commission, Banker comes out ahead of Player on the maths. The odds explorer shows the exact win, lose and push probabilities each figure is built from.

How commission changes it

The standard 5% commission on Banker wins produces the 1.06% edge. Lower it and the edge falls - a 4% commission drops Banker to about 0.60%. Watch out for "no-commission" tables, though: they typically pay only half on a Banker win with a total of six, which pushes the edge up to roughly 1.46% - worse than the standard game. Set your casino's exact rule in the calculator to see the true figure.

What the edge costs you

Turn the percentage into money by multiplying it across everything you stake - not just your starting bankroll. Bet £10 a hand for 100 hands and you have wagered £1,000; at 1.06% that is an expected loss of about £10.60 on Banker, against roughly £143.60 if you had put the same money on Tie. The longer you play, the closer your results drift to that expectation, which is exactly why no betting system overcomes it.

See it for yourself

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Baccarat House Edge