Understanding Baccarat Odds

What are the odds of Baccarat winning combinations, hand totals, tie bets, banker bets and player bets? Find out with this informative guide on calculating Baccarat odds.

How Do You Calculate Baccarat Odds?

Like many other gambling games, Baccarat outcomes are predicated on probabilities. There are 3 betting options in a real money Baccarat game: Player Bets, Banker Bets, and Tie Bets. Precisely which option is best to bet on is determined by the odds at play.Here are some important Baccarat odds to consider:

  • Banker Bets have a house edge of 1.06%
  • Player Bets have a house edge of 1.24%
  • Tie Bets have a house edge of 14.4%

Baccarat games are typically paid with 6 – 8 decks of 52-cards each. To calculate Baccarat odds for each hand, it’s important to know what each card in the deck represents. Aces are the lowest-value cards at 1, cards 2-9 have their face value, and any 10-value card is 0. Players will draw a third card if their hand total (first 2 cards) is 0-1-2-3-4-5. The player always stands on 6 or 7. If the player has 8-9, there will be no third card.

 In live Baccarat games, the following RTP numbers (probabilities) have been noted:

  • Banker Pairs – 89.64%
  • Player Pairs – 89.64%
  • Either Pair – 86.29%
  • Banker Bonus – 90.63%
  • Player Bonus – 97.35%

There will always be slight variations in the house edge for player bets, banker bets and tie bets, depending on the specific rules of play and the number of decks being used. Baccarat odds charts are a terrific way to understand when to stand and when to draw based on the player’s third card and the banker’s score. For example, if the banker and the player have both been dealt their cards, the banker will always draw if his/her hand total is 3 or less, except if the player’s third card is a 8!

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