loading...
League Logo
NFL
League Logo
NFL
League Logo
NBA
League Logo
CBB
League Logo
NHL
All
  • Loading...
loading...

Content on this page may include affiliate links. If you click and sign up/place a wager, we may receive compensation at no cost to you.

Best baccarat odds: Odds of winning at baccarat online

An in-depth look at the best odds in baccarat, how the house edge fluctuates across different bets, the value of wagers and the top online casinos for baccarat.

ByUpdated: Feb 03, 2026 3:15PM UTC . 13 min read

Understanding baccarat odds is simple when players grasp how the game works. In this guide, I will explain the odds of winning at baccarat, payouts for winning bets, plus side bets and variances in baccarat experiences. I will also share my picks for some of the top legal baccarat online casinos in the United States.

Online casinos with some of the best baccarat odds

Casino Name

Welcome Offer

Promo code

Bally Bet

Up to $100 reload bonus on first deposits at Bally Bet

None required

bet365 Casino

Up to 500 bonus spins plus an 100% deposit match in casino credit of players' first deposits up to $1,000

SPORTSLINE

BetMGM Casino

A $25 sign-up credit plus an 100% deposit match of users' first deposit in casino credit up to $1,000

SPORTSLINE

betPARX Casino

Up to $1,000 in lossback credit plus slot credits worth as much as $50

None required

Borgata Online

A $20 sign-up credit plus up to $1,000 in credit as a 100% match of bettors' first deposits

SPORTSLINEBORG

Caesars Palace Online Casino

A $10 sign-up credit plus up to $1,000 in credit as a 100% match of players' first deposits

SPORTSLINE

DraftKings Casino

Up to $1,000 in First Day Replay credit plus 500 bonus spins

Just click here

Fanatics Casino

1,000 bonus spins for use on the Triple Cash Eruption slot

Just click here

FanDuel Casino

A $40 credit plus 500 bonus spins

Just click here

Golden Nugget Casino

500 bonus spins plus up to $1,000 in lossback casino credit

Just click here

Hard Rock Bet Casino

Up to $1,000 in lossback credit plus 200 bonus spins

None required

Play Gun Lake Casino

Up to $1,000 in lossback credit plus slot credits worth as much as $50

None required

PlayStar Casino

Up to 500 bonus spins plus as much as $1,000 in deposit match credits

Just click here

Baccarat odds at a glance

On real money online casino apps, the term baccarat odds refers to the likelihood of winning at baccarat and the payouts associated with those wins. The baccarat odds of winning reflect the house edge on each betting option and the actual probability of an outcome occurring on any given round of play.

Standard baccarat online real money games give players three options for how to wager on each round. Those are the Banker bet, the Player bet, and the Tie bet.

That total of wagers for players to choose from is rather small compared to games like roulette. The lean total also means that the strategy has very little effect on baccarat winning odds.

The house edge and payout of each of those choices are unique because all three betting options come with a unique probability. Because the game is relatively simple compared to other opportunities to play casino games online, a casino's house rules and its payout structure play large roles in determining expected value in baccarat winning odds.

Baccarat winnings odds for Banker, Player, and Tie

While all three of these bets are available for each round in baccarat, not all three outcomes occur equally over time. This is why the baccarat odds for each option are unique.

Ties occur in baccarat comparatively rarely, unlike what many players expect. For that reason, many people may mistakenly believe that they can make their money back over time because of the relatively high payout on the Tie bet.

Baccarat payouts by primary betting options

Bet Type

Win Percentage

Payout

Banker

45.86%

1:1 minus commission*

Player

44.62%

1:1

Tie

9.52%

8:1 or 9:1**

*Standard commission is 5%, although not all baccarat games assess a commission on Banker bets
**Payouts on Tie bets vary based on casino house rules

House edge in baccarat odds & why Banker bets are usually best

The house edge in baccarat is the casino's advantage that is built into the game rules. The composition of the game decks and the scoring rules comprise this advantage.

This structure tilts the baccarat winning odds slightly in favor of the Banker bet. This can make baccarat one of the casino games with best odds for players.

However, that's why most casinos assess a commission on winning Banker bets, which is a unique aspect of baccarat odds vs. blackjack.

Bet Type

House Edge

RTP

Banker

1.06%

98.94%

Player

1.24%

98.76%

Tie

14.36%

85.64%

Why the Tie bet looks tempting but usually has a high house edge

One similarity in terms of baccarat vs. blackjack odds is that in both games, the odds reflect how casinos structure the rules. This is the case whether players bet with real money or utilize casino bonus codes.

In terms of the baccarat odds, the scoring system is designed to limit the possibility of ties. In standard baccarat games, ties occur in fewer than 10% of rounds.

The baccarat winning odds also reflect that at most casinos, ties result in a push unless a player specifically wagered on a tie for that round. People can get a feel for the value of Tie bets using the Golden Nugget Casino promo code bonus if they like.

Baccarat odds of winning when Tie results are removed

Removing ties from results doesn't do much to alter the baccarat odds of winning. Even when isolated to rounds in which the Banker or Player bet hit, the Banker bet still wins slightly more frequently.

The odds of winning at baccarat still favor the Banker bet because the scoring system in baccarat still affords an advantage to that hand even when the tie results are canceled.

Banker vs. player winning share excluding ties

Bet Type

Win Percentage

Payout

Banker

50.7%

1:1 minus commission

Player

49.3%

1:1

Does the number of decks change baccarat odds?

Most baccarat games fluctuate between using six and eight decks of cards. However, games with more or fewer decks in play do exist, even if they are rare.

Changing up the number of decks in play can have a real but slight effect on baccarat odds. The simple math bears out that with fewer or more cards engaged, the number of possible combinations in each round decreases or increases.

This is why users should verify the number of decks used in all baccarat titles when they play with the Borgata Casino promo code or other online casino welcome bonuses. This information is provided for all baccarat games in accordance with regulations from agencies like the Michigan Gaming Control Board.

Baccarat side bet odds and why they tend to be expensive

People looking for variety amid the standard trio of options for baccarat winning odds may be presented with baccarat side bet choices. These bets tend to have significantly larger house edges than the usual Banker/Player/Tie bets.

Because of those escalated house edge statistics, the cost of placing these wagers frequently is relatively high. This is because baccarat side bets cover much rarer outcomes in the game.

Typical baccarat side bet house edge ranges

Side Bet

Bet Definition

House Edge

Banker Pair

Banker's first two cards form a pair (i.e., two aces)

10.36% to 11.25%

Big

The round will end after five or more cards have been dealt

4.35%

Either Pair

Either the Banker or the Player gets dealt a pair in the first two cards

13.03%

Perfect Pair

A pair of the same suit gets dealt to either the Banker or the Player

5.57% to 13.39%

Player Pair

Player's first two cards form a pair

10.36% to 11.25%

Small

The round will end after four cards have been dealt

5.27%

Online baccarat odds vs. live dealer baccarat odds

For the most part, the baccarat odds of winning at an online casino are going to be similar regardless of whether you are playing a live dealer version of baccarat or a Random Number Generator (RNG)-based game. There may be slight nuances between some versions of live and RNG baccarat when you play with the PlayStar Casino promo code, though.

Among these variances that might alter the odds of winning at baccarat to small degrees include games with a commission or no-commission structure for Banker bets. The availability of side bets can also change the overall baccarat odds in a specific game.

A casino's house rules for the different variants might also have a minimal impact on the baccarat winning odds. Players should confirm all these rules before placing any bets.

Baccarat odds vs. blackjack odds

The greatest points of differentiation in baccarat odds vs. blackjack involve the prominence of player decisions and rule changes. These differences can make baccarat or online blackjack for real money more appealing to different types of card players.

Baccarat odds for the Banker bet, for example, boast a low house edge and very little decision-making. Players only need to decide whether to bet on the Banker, Player, or Tie, and how much of their bankrolls to stake on that choice.

Blackjack can offer a lower house edge than even the baccarat winning odds for the Banker bet, but reaching that low house edge is much more dependent on ideal circumstances and players making the right decisions. Players' knowledge of probabilities with different hands can make a huge difference in the house edge in blackjack, as one example.

Experience and variance have a far more significant role in shaping the blackjack house edge than in affecting the baccarat odds of winning. However, winning individual bets still mostly depends on luck in either game when considering baccarat vs. blackjack odds.

Game

House Edge

Skill Impact

Baccarat

As low as 1.06%

Low

Blackjack

As low as 0.5%

Medium

Baccarat vs. blackjack odds and what it means for real players

Players who become familiar with the odds of winning at baccarat quickly discover that the game offers a significantly different experience than playing blackjack. People can enjoy both games, of course, but aspects of the games make them more ideal for some bettors than others.

Consistent odds and simplicity are hallmarks of baccarat. For people who prioritize not having to worry less about their decisions impacting their chances, baccarat can be a great game.

On the other hand, blackjack might be a better fit for people who can follow a strategy and enjoy seeing their game plans pan out with some luck. It's a win for people who want to feel like they have even a small level of influence on whether their bets pan out.

Playing baccarat with realistic expectations

Your approach to playing baccarat online is actually more important than which bet you place. Responsible gaming requires players to set limits and then stick to them, in addition to playing for entertainment only. Limits include money and time spent on games.

Players should also be aware that the baccarat winning odds don't leave much, if any, room for profit over the long haul. Smart play means confirming any rule changes or other alterations that can alter expectations for baccarat play as well.

Can you improve the odds of winning at baccarat?

One of the most important facts about baccarat odds is that once you place your bet, there is nothing you can do to influence the outcome of your wager. All your decisions, like using the betPARX Casino promo code, lead up to that moment.

Some people deploy betting systems like the Martingale system to try to take advantage of the consistency of baccarat winning odds. These systems can be great ways to divide your bankroll over a series of wagers.

However, no betting system can manipulate the baccarat odds in your favor. Making the most of baccarat winning odds comes down to three rules of thumb.

  • Avoid side bets and tie bets
  • Set limits and plan your wagers in advance
  • Value propositions in baccarat include the Banker and Player bets

FAQ

What are the baccarat winning odds for Banker, Player, and Tie?

The baccarat odds of winning for each of these wagers are unique. The Banker bet pays out 1:1 minus a 5% commission, the Player bet pays out 1:1, and the Tie bet normally pays out either 8:1 or 9:1.

What are the odds of winning at baccarat on the Banker bet?

The Banker bet wins on 45.86% of rounds in baccarat games with standard rules. This is the most probable outcome, and why the odds of winning at baccarat are the least favorable for players on this wager.

Why does Banker have better baccarat odds?

The Banker bet has the best chance of hitting because the scoring system and game procedures are designed to give the Banker hand an advantage.

What is the house edge in baccarat?

The house edge in baccarat fluctuates based on how players wager on each round. For the standard three bets, the house edge ranges from 1.06% (Banker) to 1.24% (Player) to 14.36% (Tie).

Are baccarat odds better than blackjack odds?

The superiority of baccarat odds vs. blackjack is more about how players play the game than any uniform calculation. Ideal conditions and a perfect strategy can actually make the baccarat vs. blackjack odds discussion in blackjack's favor.

Do baccarat odds change online vs. live dealer?

For the most part, the baccarat odds are similar regardless of whether a player engages in live dealer or online baccarat. There can be slight differences depending on the casino and table rules, though.

Is the Tie bet ever worth it based on the odds?

Compared to the Banker and Player bets, the Tie bet will never produce a superior expected value over time. However, understanding the baccarat winning odds means that players can take a measured risk intermittently on the Tie, as they will know the probability of winning is lower under these circumstances.

Do side bets have worse odds in baccarat?

Side bets in baccarat have relatively large house edges and low probabilities, but come with appropriately more valuable payouts for lucky plays. As one example, the Perfect Pair bet can come with a house edge of more than 13% but may pay out 25:1.

Avatar
Derek Helling
Share This Story