Baccarat odds and house edge
Banker wins 45.86% of hands, player 44.62%, and 9.52% end in a tie, counted over every possible deal from an 8-deck shoe. After the 5% commission the banker bet keeps 1.06% for the house and the player bet 1.24%. The tie pays 8:1 and keeps 14.36%.
The numbers by shoe size
| 8 decks | 6 decks | Infinite deck | |
|---|---|---|---|
| Banker wins | 45.86% | 45.87% | 45.84% |
| Player wins | 44.62% | 44.63% | 44.61% |
| Tie | 9.52% | 9.51% | 9.54% |
| Edge, banker (pays 0.95:1) | 1.058% | 1.056% | 1.064% |
| Edge, player (pays 1:1) | 1.235% | 1.237% | 1.228% |
| Edge, tie at 8:1 | 14.36% | 14.44% | 14.12% |
| Edge, tie at 9:1 | 4.84% | 4.93% | 4.57% |
Own calculation: every first four cards and draws under the standard third-card rules, without replacement for the shoes. Script baccarat.py in our repo (growth6/daten/phase2/b1b). Banker and player bets push on a tie. Matches the Wizard of Odds 8-deck and infinite-deck tables to the last digit shown.
Shoe size barely matters. The banker edge moves by less than a hundredth of a point between six decks, eight decks and a random generator. The tie is the only bet where the number changes much, and the bigger change comes from the payout. A tie at 9:1 costs about a third of a tie at 8:1.
What each bet costs
| Bet | Wagered | Average cost |
|---|---|---|
| Banker | $1,000 | $10.58 |
| Player | $1,000 | $12.35 |
| Tie at 8:1 | $1,000 | $143.60 |
Bet banker and pay the commission. The 5% feels like a tax on winning, but without it the banker bet would favour you, since it wins 50.68% of the hands that don't tie. The commission is what turns that 1.36-point lead into a 1.06% edge for the house. If you'd rather not count commission, player is the next best bet and costs about $1.80 more per 100 hands at $10.
Leave the tie alone. It pays well and comes up roughly once every ten hands, which makes it tempting after a long run without one. The ties don't arrive any faster for having been missing, and at 8:1 you hand over about $14 of every $100 on that spot.
Stake Originals baccarat
- Payouts
- Player 1:1, Banker 0.95:1, Tie 8:1
- Edge per bet
- 1.06% banker, 1.24% player, 14.36% tie
- Overall figure on the page
- 1.10% edge, 98.90% RTP
- Matches
- our 8-deck count
Those three per-bet figures are the classic 8-deck values. A game dealt by a random generator works like an infinite deck, where the tie would sit at 14.12% and the player bet at 1.23%. The differences are small, but if you play a lot of ties the rules screen tells you how the cards are drawn.
18+. Baccarat outcomes are independent from hand to hand, and scorecards do not predict the next one. Help: Responsible gaming.
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Questions
What are the odds in baccarat?
With 8 decks: banker 45.86%, player 44.62%, tie 9.52%. Edge after payouts: banker 1.06%, player 1.24%, tie 14.36% at 8:1.
Is banker or player better in baccarat?
Banker, even after the 5% commission: 1.06% house edge against 1.24% for player.
What is the house edge of Stake baccarat?
Stake's baccarat page shows 1.06% banker, 1.24% player, 14.36% tie, and 1.10% overall (RTP 98.90%).
Why does the banker bet pay 0.95 to 1?
Banker draws last and wins more hands. Without a commission the bet would give the player an edge of about 1.2%, so 5% is taken from banker wins.
Sources
- Stake: Baccarat game page (Wayback, 10 Mar 2026) · current page on stake.com. payouts and per-bet edges as quoted; stake.com answers 403 to our fetcher Checked 12 November 2026
- Wizard of Odds: baccarat basics. cross-check: 8 decks 0.458597 / 0.446247 / 0.095156, infinite 0.458428 / 0.446147 / 0.095426 Checked 12 November 2026
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