Baccarat is a common game that is with almost all online software. Bets on both player and banker have a similar chance of winning and a low house edge of just over 1%. Unfortunately, the game is only rarely counts for betting on non-Microgaming bonuses, because it is possible to bet simultaneously on both player and banker, greatly reducing the deviation.

Rules and Play

At the beginning of each hand, you can win the player to win the banker or a tie bet result. Once you have set your bet, both player and banker are 2 cards. Hands are on the right side of their card ranks sum. For example, a sheet with a 6 and 7 is evaluated as 3. The card total 6 +7 = 13 and the right digit of this sum is 3 The player or the bank is treated a third card according to the rules listed.

– If either the player or the banker has a total of 8 or 9, then pulled no further cards. Otherwise, play proceeds as follows:

– If the player has a total of 0-5 player draws a third card. If the player has an initial total of 6 or 7, he stands. Note that the player has to follow this strategy. He can not decide stand on a 4 or a 6 hit

– Game of the bankers varies according to the overall result and third card of the player. If the player does not draw a third card draws the banker if he has a total of 0-5. Otherwise, according to the table below pulls the banker.

Banker bets have a slightly greater chance of winning as a player is because of the improved banker strategy. To compensate for this advantage, Banker bets have a commission of 5%. Banker bets pay 0.95:1, while player bets pay 01.01. If you bet $ 100 on Banker and win, you get $ 195. if you bet $ 100 on Player and win, you get $ 200. Banker bets and betting players will be returned if the hand is a tie.

Tie bets pay 8:01 and have bet a much higher house advantage as a player or banker.


With such complicated rules an optimal strategy for baccarat is surprisingly simple. There is no choice between strategy, to take what cards or hit if / stand. Place a bet on banker or player, then wait until the dealer turn over the cards and see if you have won or not. Banker bets have a slightly lower house edge than player puts that explains in typical circumstances, as described below. Optimal strategy is simple bets on banker.

House Edge

Under typical rules with 6 or 8 decks of the house advantage of the banker bet is 1.06%; the player’s bet house edge is 1.24%; and the house edge of the tie bet is over 14%. These default rules are Playtech, Cryptologic, RTG (most), Chartwell, Boss, Rival, and most other software used.

Microgaming, Wager Works, Grand Virtual and PartyGaming offer single-deck Baccarat, with a reduced house edge of 1.01% on the banker bet. 5Dimes Bonus Casino and Galewind software offer games with a 4% commission on banker, resulting in a house edge of 0.60%. Betfair Zero Lounge Baccarat offers a 2.75% commission on banker, reducing the house edge to 0.03%. House edge values are listed in the table below. For checking other rule sets can be found in the gef Baccarat house edge.

Real Time Gaming casinos allow dealers to configure Decks and rules so that some casinos use a modified payout from above. RTG casinos round out the commission on banker bets, the next 0.25. This rule increases the fee by more than 5%, and increases the house advantage if your banker bet is not a multiple of $ 5. If you do not bet in multiples of $ 5, then most likely the player has a bet lower house edge than a banker.


Some casinos offer a Chartwell “No Commission” baccarat game where the banker bet pays 1:1 on non-8 wins and 1:2 to 8 wins. This change increases the house edge to 4.07% on the banker bet, so players use a far superior (player bet is unchanged).

Variance and Bet Size

The standard deviation per hand of baccarat is ~ 0.93 lower than blackjack and roulette easily. The low variance refers to a maximum payout of 1:1 and a small part of the hands pushing his.

The following table shows the possibility of termination of the deposit above balance with unlimited bankroll, after completing a wagering requirement with 5 bet sizes. Standard rules and a 1.06% house edge is assumed. See the return and variance calculator for more specific estimates.