Baccarat Payouts & House Edge

By Felt Trainer Editorial · Edges computed from our open game engine · Last updated May 30, 2026

Baccarat has only three bets, and the payout chart tells you everything you need: bet Banker, skip the Tie. The figures below come straight from our trainer.

BetPaysHouse Edge
Banker0.95:11.06%
Player1:11.24%
Tie8:114.36%

Why Banker pays 0.95:1

Banker wins slightly more often than Player, so the casino takes a 5% commission on Banker wins - that's the 0.95:1 payout. Even after the commission, Banker is the best bet at a 1.06% edge, lower than Player's 1.24%. The fee is already baked into that number. See Banker vs Player for the full reasoning.

The Tie is a trap

An 8:1 payout on the Tie looks like the score, but it carries a 14.36% house edge - one of the worst bets in the casino. The flashy payout is the bait. Stick to Banker.

▶ Practice baccarat free with a coach

No signup, no download. The coach flags the smart bets as you play.

Frequently Asked Questions

What does Banker pay in baccarat?

Banker pays 0.95:1 — even money minus a 5% commission. Despite the fee it's the best bet, at a 1.06% house edge versus 1.24% for Player.

What does the Tie bet pay?

The Tie pays 8:1, but it carries about a 14.36% house edge — one of the worst bets in the casino. The high payout doesn't come close to making up for how rarely ties happen.

Which baccarat bet has the lowest house edge?

Banker, at 1.06%, even after its 5% commission. Player is 1.24% and Tie is 14.36%. Bet Banker every hand.

Keep Learning