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Baccarat Rules & Payouts

Baccarat is one of the simplest and lowest-variance table games in the casino. The objective is to wager on which hand—the Player or the Banker—will achieve a point total closest to 9, or whether the round will result in a Tie. Tens and face cards count as 0, Aces count as 1, and all other cards retain their face value. If a hand exceeds 9, the first digit is dropped (e.g., a total of 15 counts as 5).

Standard Bets & House Edge

Banker Bet: Pays 1:1 (minus a standard 5% commission). House edge: 1.06% (98.94% RTP).
Player Bet: Pays 1:1 even money with no commission. House edge: 1.24% (98.76% RTP).
Tie Bet: Pays 8:1 (or 9:1 at select tables). House edge: 14.36% (85.64% RTP).
Natural Hands: An initial two-card total of 8 or 9 ends the round immediately with no further draws.

Core Strategy Principles

Always Bet Banker: Mathematically, the Banker hand wins approximately 50.68% of non-tie hands, making it the superior mathematical choice on every deal.
Never Take the Tie: With a massive 14.36% house edge, the Tie bet is among the worst wagers on the casino floor.
Ignore Pattern Roadmaps: Scorecards (Big Road, Bead Plate) track past independent trials; past outcomes have zero mathematical bearing on the next hand.
Fixed Unit Staking: Use consistent flat betting to capitalize on low-margin table dynamics without risking exponential losses from progression systems.