Baccarat Odds Explained

Have you ever wondered why some players seem to have an edge over others at the baccarat tables? It’s not just luck—understanding baccarat odds can turn the tide on your gameplay. 

In this article, we’ll cover baccarat odds, explaining not just the basics but also how they compare to other popular casino games odds like blackjack. Whether you’re a novice eager to learn the ropes or an experienced player looking to refine your strategy, knowing these odds is crucial. 

Ready to see how the odds stack in your favor or against it?

🔑 Key Takeaways

  • Understand the statistical advantages of betting on the banker in baccarat, which consistently offers the lowest house edge and the best odds for players.
  • Learn how the odds in baccarat stack up against those in blackjack.
  • Discover how baccarat odds calculators can enhance your gaming experience by providing precise odds for different betting scenarios.

What Are Baccarat Odds?

Baccarat odds refer to the statistical likelihood of the various outcomes of how bets can fall. These odds are the same for online baccarat and live baccarat tables. However, it can vary a bit according to a title’s special feature offered by a gaming provider.


  1. Baccarat’s odds determine the expected win or loss over time when betting on either the player, banker, or a tie. 
  2. Baccarat’s odds are pivotal in guiding players’ decisions, and why they pick the three available bet styles.

Example: Bets on the banker generally offer the best odds, reflecting a lower house edge compared to player and tie bets.

Baccarat Odds of Winning

In baccarat, the odds of winning vary significantly among the three primary types of bets: the banker, player, and tie. 

Catalin Barboianu, a gambling book author and methodologist, writer of Probability Guide to Gambling: The Mathematics of Dice, Slots, Roulette, Baccarat, Blackjack, Poker, Lottery, and Sport Bets has studied the probabilities of each bet. We’ll refer to those numbers here:

  • Banker Bets: Statistically, betting on the banker is your best bet. Banker bets have the highest probability of winning, at approximately 45.86%. This advantage is due to the rules governing the third card for the banker, which slightly increases the chances of winning compared to the player bet.
  • Player Bets: While slightly less favorable, player bets are still a shot at a robust chance of winning, clocking in at about 44.6%. This slight difference is why the banker bet often has a commission attached to it, typically 5%, to balance the house’s advantage.
  • Tie Bets: Offering odds of about 9.6%, tie bets might seem tempting with its high payout ratio (usually 8:1 or sometimes 9:1), but it is statistically the least favorable option. The rarity of a tie makes this bet more of a thrill-seeker’s choice than a strategic move.

Experts suggest favoring the banker as the best baccarat winning strategy that can maximize earning potential over time.

Baccarat Casino Odds

In terms of baccarat casino odds, the house edge is a crucial factor that influences every bet and the key one to start out with. It’s relatively low compared to many other casino games, which is one reason for baccarat’s popularity, but don’t let the low barrier fool you.

The house edge in baccarat varies slightly between the different bets

  • Banker bets typically carry a house edge of about 1.06%, making it one of the best bets in the casino world. 
  • Player bets aren’t far behind, with a house edge of 1.24%.
  • Tie bets, while tempting with their higher payout, sport a significantly higher house edge of around 14.36%

Baccarat odds casino experts often highlight these figures to guide players towards more informed decisions, suggesting sticking to banker and player bets for the best chances of success. We’ve put together some essential baccarat tips and excerpts from experts around the world – check it out to up your skill even more!

Baccarat Banker Odds

Betting on the banker in baccarat isn’t just popular because it’s easy—it’s a smart strategy, backed by solid stats. The banker bet boasts a favorable house edge of only about 1.06%, making it the go-to choice for seasoned players. This edge means that, statistically, the banker bet offers a slightly better chance of winning compared to other bets in the game.

Why does the banker bet shine? The game’s rules give a slight edge to the banker when drawing the third card, boosting your chances when you place your chips here. Professional gamblers often say:

When in doubt, bet on the banker—it’s your safest bet!

This advice isn’t just casual; it’s rooted in the rigorous mathematics of the game. 

If you’re wondering what are the odds in baccarat, remember that the baccarat banker odds are among the most favorable you’ll find on the casino floor. When the chips are down, a banker bet is a safe choice.

Mini Baccarat Odds

Mini baccarat is a streamlined version of the traditional game, but the odds remain largely the same as those in standard baccarat. Mini baccarat odds still favor the banker bet, with a low house edge like the standard game. 

Mini baccarat is so popular because it involves lower betting limits and faster gameplay, it can be more accessible and less intimidating for newcomers. Of course, despite the quicker pace, the baccarat payout odds don’t change.

This means that whether you play standard or mini baccarat, your strategy regarding where to place your bets should stay consistent, mini or not.

Baccarat Payout Odds

In baccarat, the payout odds vary across the different bets, directly influencing potential winnings. It’s key to understand the differences between them:

  • For the banker bet, the most recommended bet, the payout is typically 95% of the wager due to the 5% commission charged by casinos. This translates to odds of 0.95 to 1.
  • The player bet offers slightly better payout odds of 1 to 1, meaning if you bet $100, you’ll win $100, as an example.
  • The tie bet offers the highest payout at 8 to 1, or sometimes 9 to 1 in some casinos, making it tempting despite its lower probability of winning. 

Real-life examples often show that consistent betting on the banker, despite the commission, results in steadier — albeit smaller — returns over time. That’s baccarat odds for you!

Baccarat Odds vs. Blackjack

Comparing baccarat odds vs blackjack reveals some interesting contrasts. Have you thought about how the two games relate?

Comparing house edges in baccarat and blackjack

Borrowing from Baccarat, Winning Big by Crystal Tummala, the house edge in baccarat is low, with the banker bet at about 1.06% and the player bet at 1.24%.

Conversely, blackjack demands more skill and decision-making, which significantly influences the game’s outcome. The house edge in blackjack can vary from as low as 0.5% with an optimal strategy to over 2%, depending on the rules and the player’s strategy.

Comparing the strategy involved in playing baccarat and blackjack

Both games offer attractive odds to seasoned gamblers, but blackjack’s potential for strategic play might appeal more to those who enjoy having control over their gaming outcomes than those who like the thrill of the chase.

For a deeper dive into blackjack strategies and odds, check out our detailed guide on blackjack odds.

Does Baccarat Have the Best Odds?

When asking, “Does baccarat have the best odds in the casino world?” the answer leans towards yes, especially for players seeking simplicity and favorable odds. 

Baccarat stands out with its low house edge:

  • The banker bet typically offers a house edge of just 1.06%.
  • The player bet isn’t far behind at 1.24%, according to Brian D. Kayser of Secrets of Winning Baccarat.

Compared to other popular online casino games, baccarat is certainly at the top for player-friendly odds. Here is a short example of other games’ house edge:

Baccarat Odds Calculator

A baccarat odds calculator is an invaluable tool for any player looking to understand the probabilities of different betting outcomes based on the cards dealt and the baccarat odds of winning.

These calculators provide real-time odds and can help you make informed decisions on where to place your bets to maximize potential returns. 

In fact, reputable sources like Unibet’s Baccarat Calculator can run robust calculations praised for their accuracy and ease of use. According to PokerKing98:

Unibet’s calculator helped me figure out that I’m way better at hitting banker bets. I’ve stuck to them ever since when I play.

PokerKing98, an Unibet baccarat player

So, Will You Check Baccarat Odds Tonight?

The baccarat odds are better in your favor now that you have the tools to win! Understanding the detailed breakdown of baccarat odds, particularly why the banker bet often offers the best chances for winning, is a strategic advantage that can refine your gameplay. You won’t be the same baccarat player anymore.

Apply this knowledge to manage your bankroll effectively, make smarter betting decisions, and potentially increase your winnings. 

Are you curious about where to find the best tables for your next gaming session? Check out our list of the best baccarat casinos for US players.