Baccarat
Punto banco · 98.94% banker RTP · no decisions to make
- Banker RTP
- 98.94%
- Decisions
- None to make
- Tie pays
- 8 : 1
- Decks
- 8
Bet on Player, Banker or Tie, and the coup plays itself out under the published punto banco tableau - no hits or stands to choose, for you or the dealer. It's the lowest-edge bet on the site if you back the Banker, and one of the worst if you back the Tie.
How to play Baccarat
- Place chips on Player, Banker or Tie, and on Player Pair or Banker Pair if you like. You can back several spots on the same coup.
- Deal. Player and Banker each get two cards from an eight-deck shoe. Tens and face cards count 0, aces count 1, and only the last digit of the total matters, so 7 + 8 is 5.
- An 8 or 9 on either side is a natural and the coup ends there. Otherwise Player draws a third card on 0 to 5, and Banker draws by the fixed tableau.
- The side closer to 9 wins. Player pays 1:1, Banker pays 1:1 less 5% commission, Tie pays 8:1, and either pair pays 11:1.
- If the coup is a tie, Player and Banker bets come back to you instead of losing.
About Baccarat
These are the real punto banco rules, not house variants: Banker returns 98.94% and Player 98.76%, which makes Banker the best-value bet on the whole site once you account for the 5% commission on its wins. Tie and the two pair bets are the long shots - 8:1 and 11:1 - for when you want a bigger number on the line.
Because nobody makes a decision after the deal - the drawing tableau is fixed - there is no strategy to learn and no way to play the hand badly. The only decision that matters is which of the three spots you back, and the numbers above are the whole answer.
Baccarat FAQ
Should I bet Banker or Player?
Banker, on the numbers - it returns 98.94% against Player's 98.76%, even after the 5% commission on Banker wins. Tie pays 8:1 and is the long shot: it hits rarely, so play it for the payout rather than the odds.
Why is there a 5% commission on Banker wins?
Banker wins slightly more than half of decided coups. Without the commission it would be a positive-expectation bet; with it, it's the best bet on the table at a 1.06% edge.
Is it provably fair?
Every round is generated from a server seed that is hashed and shown to you before you bet, combined with a client seed you control and an incrementing nonce. When you rotate your seed the old server seed is revealed, so you can replay every round it produced and confirm nothing changed after the fact.
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