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Baccarat Odds and Payout Explained – Your Guide to Succesful Gameplay

Players enjoy playing baccarat because of the one-of-a-kind nature of the game and its rich history in the film industry. Therefore, it is important to have a solid understanding of how the house advantage influences the game’s chances to enter the table with as much self-assurance as the most well-known undercover spy in the planet’s history.

baccarat odds

House Edge in Baccarat

The house edge is the statistical edge that every game gives the casino. In Baccarat, the house has less of an edge than in most other games. The house profit, odds, and payouts for the three main bets in Baccarat, which is usually played with eight decks, are shown in the chart below. Here are the full odds for the house for each of the three bets:

house edge in baccarat
BetOddsPayoutHouse Edge
The Banker45.86%0.95:11.06%
The Player44.62%1:11.36%

Baccarat Side Bets

Side-bets in Baccarat are meant to spice up the game and give you more choices than just betting on the Banker, the Player, or the Tie. Some online baccarat games have different side bets than others. Some software companies and land-based casinos have added their side bets to the baccarat tables to make the game more interesting. Others stick to Baccarat’s most common side bets, shown in the chart below.

baccarat odds side bets

The table below also depends on a baccarat game in which the cards are given from a shoe with eight decks.

BetOddsPayoutHouse Edge
Player Pair7.47%11:110.36%
Banker Pair7.47%11:110.36%
Perfect Pair3.34%25:113.03%
Either Pair14.2%5:113.71%

Baccarat Odds & Payouts Explained

The money you win from Baccarat won’t make you rich. You can’t just walk up to a baccarat table, place your bets, and walk off into the night with a win that will change your life. But compared to many other casino games, Baccarat has some of the best chances and payouts.

baccarat odds and payouts

We’ve already said that the banker is the best bet by far. The Banker bet has odds of 45.86% to win, which makes it so likely to win that casino must take a 5% commission on winning wagers. The next bet is on the player. It has odds of 44.62% and pays 1:1. Mathematically, it doesn’t make sense to bet on a tie. Our chances chart for Baccarat says that a Tie will happen 9.52 percent of the time, but the payout is only 8:1.

When you leave out the Tie and only look at the Banker and the Player when figuring out baccarat odds, the banker wins 51% of the time. So again, this shows why the best bet when you play Baccarat online is on the banker.

The most you can win at Baccarat is with a “Perfect Pair.” This extra bet pays out 25:1. But our baccarat odds chart shows that the chances of getting a Perfect Pair are only 3.34 percent. Although these side bets are exciting and provide more enjoyment to the baccarat game, the smart money is on the wager that the banker will win.

Six Deck Baccarat

But there are also online baccarat games that can be played with only one or even six decks. The odds and house edge change, but the payouts for popular bets stay the same no matter how many decks are used. We recalculated the chances, so you don’t have to get a calculator.

BetOddsPayoutHouse Edge
Banker Pair45.87%0.95:11.06%
Player Bet44.63%1:11.24%
Tie Bet9.51%8:114.4%

Single-Deck Baccarat

BetOddsPayoutHouse Edge
Banker Pair45.87%0.95:11.01%
Player Bet44.68%1:11.29%
Tie Bet9.36%8:115.75%

The charts above show that the difference between the house edge and the chance is small. Still, it’s important to know how the numbers change depending on how many decks are used.

It is well known that blackjack and Baccarat have the lowest house edges of all table games. Why do you think so many high-stakes gamblers like to play at these tables? Here’s how the odds of Baccarat compare to those of some other popular table games:

Baccarat: Baccarat is the best game to play if you want to have fun and not worry about figuring out a complicated plan. The chances for players in Baccarat are pretty good, especially when they bet on the banker’s hand. A banker bet has a house edge of about 1.06%, one of the smallest in the game.

Blackjack: Blackjack is another game where the odds are in your favor, especially if you use the basic approach. Again, depending on the rules and how good the player is, the house edge can be as low as 0.5% or even less.

Craps: Craps can have varying odds depending on the bets made. Some bets, like the pass/don’t pass line or the come/don’t come bets, have a low house edge of around 1.4%. However, other bets, such as the hard ways or any seven, carry higher house edges.

Roulette: Roulette odds can vary depending on the specific variant played. In American Roulette, which features a double zero pocket, the house edge is around 5.26%. With a single zero pocket, European Roulette offers better odds with a house edge of approximately 2.70%.

Poker: Poker odds can vary greatly depending on the specific variant and the skill level of the players involved. In games like Texas Hold’em, the odds can be influenced by the player’s decision-making and strategic abilities, making it less reliant on pure luck than other table games.

It’s important to remember that these odds are just rough estimates and can change based on specific variations, game rules, and choices each player makes. 


The odds of winning a bet on the player in Baccarat are approximately 44.62%, while the house edge is around 1.24%.

Yes, the odds are typically better when betting on the banker in Baccarat. The odds of winning a banker bet are around 45.86%, and the house edge is approximately 1.06%.

Baccarat is a game of chance, and while betting strategies can help manage your bankroll, they do not influence the inherent odds of the game.


Now that you know how the odds work in Baccarat, it’s time to use what you’ve learned. Playing Baccarat for free is the best way to get better at it. You’re in luck because Iplwin has a free baccarat game you can play right now without having to download anything. Join our best baccarat game today to get started.

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