Baccarat Payout Chart: Every Bet, Every Variant, One Complete Reference
You just placed $100 on Banker, the hand wins, and the dealer slides you $95. Wait, why not $100? That missing $5 is the 5% commission, and if nobody explained it to you beforehand, it feels like a nasty surprise. Baccarat payouts seem simple on the surface, but commission structures, variant-specific rules, and side bet odds create a web of numbers that most players never fully understand. This baccarat payout chart breaks all of it down in one place.
Whether you’re playing standard punto banco, no-commission baccarat, or a table loaded with side bets, you’ll find every payout, every house edge, and every probability right here. No more guessing what you’ll actually collect when you win.
- The Banker bet pays 0.95:1 (even money minus 5% commission) with a 1.06% house edge, the lowest of all standard baccarat wagers
- Player pays 1:1 with no commission and carries a 1.24% house edge
- The Tie bet pays 8:1 at most casinos (9:1 in some UK venues), but the house edge is a brutal 14.36%
- No-commission baccarat eliminates the 5% fee but pays only half (0.50:1) when Banker wins with a total of 6, raising the house edge to 1.46%
- Side bet payouts range from 5:1 (Either Pair) to 200:1 (Double Suited 3-Card 8), but every single one carries a higher house edge than the three core bets
- The 9:1 Tie payout (when available) drops the house edge from 14.36% down to roughly 4.85%, making it one of the few payout variations worth actively seeking out
Standard Baccarat Payout Chart (8-Deck Game)
This is the chart you’ll reference most often. It covers the three core bets in a standard punto banco game dealt from an eight-deck shoe, which is what you’ll find at the vast majority of casino tables and online baccarat platforms.
| Bet | Payout | House Edge | Win Probability | Commission |
|---|---|---|---|---|
| Banker | 0.95:1 | 1.06% | 45.86% | 5% on wins |
| Player | 1:1 | 1.24% | 44.62% | None |
| Tie | 8:1 | 14.36% | 9.52% | None |
Let’s translate those numbers into actual cash. Say you bet $50 on Banker and win. The raw payout would be $50, but the casino takes 5% commission ($2.50), so you collect $47.50 in profit plus your original $50 stake. That $2.50 is the cost of playing the statistically strongest bet on the table.
The Player bet is straightforward. Bet $50, win $50, keep your stake. No commission, no math. The tradeoff is a slightly higher house edge: 1.24% versus 1.06% on Banker.
Then there’s the Tie. It hits roughly once every 10.5 hands. The 8:1 payout looks appealing, but the 14.36% house edge means you’re paying dearly for that excitement. If you’re curious about why the math works this way, our baccarat odds and house edge guide explains the probability calculations behind each bet.
How Baccarat Commission Actually Works
The 5% commission exists for a simple reason: Banker wins more often. Without the commission, the Banker bet would give players an edge over the house, and casinos don’t stay in business by handing out advantages.
Banker wins 45.86% of the time versus 44.62% for Player. If both paid even money, the Banker bet would have a negative house edge (meaning the player has the advantage). The 5% commission on Banker wins restores the casino’s edge to 1.06%, which is still incredibly low compared to most casino games.
How Commission Is Collected
At most live tables, the dealer tracks your accumulated commission using small markers or lammers in a numbered commission box corresponding to your seat. You settle up when you leave the table or when the shoe ends. At online baccarat tables, commission is deducted automatically from each winning Banker bet.
If tracking commission sounds tedious, some casinos offer no-commission variants that handle it differently. Whether that’s a better deal depends entirely on the payout structure, which brings us to the next chart.
No-Commission Baccarat Payout Chart
No-commission baccarat (also called Super 6 or Punto 2000) eliminates the 5% commission on Banker wins. Instead, the casino recoups its edge by paying only half when the Banker wins with a total of 6.
| Bet | Payout | House Edge | Key Difference |
|---|---|---|---|
| Banker (non-6 win) | 1:1 | 1.46% | No commission deducted |
| Banker (wins with 6) | 0.50:1 | Half payout on winning 6 | |
| Player | 1:1 | 1.24% | No change from standard |
| Tie | 8:1 | 14.36% | No change from standard |
| Super 6 Side Bet | 12:1 | 29.98% | Optional; wins only on Banker 6 |
Here’s the math that matters. Banker wins with a total of 6 roughly 5.39% of the time, which works out to about once every 19 hands. On those occasions, you collect only half your bet instead of even money. That penalty raises the overall Banker house edge from 1.06% to 1.46%.
The Super 6 side bet at 12:1 might look tempting, but a 29.98% house edge puts it among the worst wagers in any casino. You’d literally lose less money playing the Tie bet over the same number of hands.
EZ Baccarat Payout Chart
EZ Baccarat takes a different approach to eliminating commission. Instead of reducing Banker payouts on a specific total, it converts certain Banker wins into pushes.
| Bet | Payout | House Edge | Special Rule |
|---|---|---|---|
| Banker | 1:1 | 1.02% | Push when Banker wins with 3-card 7 |
| Player | 1:1 | 1.24% | No change |
| Tie | 8:1 | 14.36% | No change |
| Dragon 7 | 40:1 | 7.61% | Wins on Banker 3-card 7 |
| Panda 8 | 25:1 | 10.19% | Wins on Player 3-card 8 |
EZ Baccarat is actually the most player-friendly variant for Banker bettors. The house edge of 1.02% on the Banker bet is even lower than standard commission baccarat’s 1.06%. The catch is subtle: when the Banker wins with a three-card total of 7, your Banker bet pushes instead of winning. This happens infrequently enough that the overall edge stays low.
The Dragon 7 and Panda 8 side bets exist to give players a chance to profit from those push scenarios. If you anticipate a Banker three-card 7 (which occurs roughly 2.25% of the time), the Dragon 7 pays 40:1. The Panda 8 covers the Player’s equivalent situation: a winning three-card total of 8, paying 25:1.
Tie Bet Payout: Why the Number Matters More Than You Think
Most baccarat tables pay 8:1 on a Tie. Some pay 9:1. That single unit of difference changes everything.
| Tie Payout | House Edge | Where You’ll Find It |
|---|---|---|
| 8:1 | 14.36% | Most casinos worldwide (standard) |
| 9:1 | 4.85% | Many UK casinos, some online tables |
At 9:1, the Tie bet’s house edge drops from 14.36% to approximately 4.85%. That’s still higher than Banker or Player, but it’s suddenly in the range of a reasonable casino wager. It’s comparable to the house edge on an American roulette number bet (5.26%).
This is one of those details that separates informed players from everyone else. If you spot a 9:1 Tie payout, the bet transforms from “never touch this” to “acceptable occasional side action.”
Baccarat Side Bet Payout Chart
Side bets add variety to the game, but they come at a cost. Every side bet carries a higher house edge than the three core wagers. The tradeoff is the potential for larger payouts on a single hand. Here are the most common baccarat side bets you’ll encounter, with their payouts and house edges based on an eight-deck shoe.
| Side Bet | Payout | House Edge | Win Probability |
|---|---|---|---|
| Player Pair | 11:1 | 10.36% | 7.47% |
| Banker Pair | 11:1 | 10.36% | 7.47% |
| Either Pair | 5:1 | 14.54% | 14.22% |
| Perfect Pair | 25:1 | 13.03% | 3.34% |
| Dragon Bonus (Player) | Up to 30:1 | 2.65% | Varies by margin |
| Dragon Bonus (Banker) | Up to 30:1 | 9.37% | Varies by margin |
| Big (5 or 6 cards) | 0.54:1 | 4.35% | 61.11% |
| Small (4 cards) | 1.5:1 | 5.27% | 38.89% |
| Dragon 7 (EZ Baccarat) | 40:1 | 7.61% | 2.25% |
| Panda 8 (EZ Baccarat) | 25:1 | 10.19% | 3.66% |
| Royal Match | 75:1 suited / 30:1 unsuited | 2.13% | Rare |
Dragon Bonus Payout Breakdown
The Dragon Bonus deserves its own section because its payout changes based on the winning margin. You bet on either Player or Banker to win, and you get paid more for bigger point spreads.
| Outcome | Payout |
|---|---|
| Natural win | 1:1 |
| Natural tie | Push |
| Non-natural win by 9 points | 30:1 |
| Non-natural win by 8 points | 10:1 |
| Non-natural win by 6 or 7 points | 4:1 |
| Non-natural win by 4 or 5 points | 2:1 |
| Non-natural win by less than 4 | Loss |
The Player Dragon Bonus carries a much lower house edge (2.65%) than the Banker version (9.37%). If you’re going to play Dragon Bonus at all, place it on the Player side. For more on this, check our baccarat FAQ where we answer common questions about side bet strategy.
How Deck Count Changes Baccarat Payouts
Payouts don’t change based on the number of decks. A winning Banker bet still pays 0.95:1 whether you’re playing with one deck, six decks, or eight. What does change is the house edge, because the probability of each outcome shifts slightly with fewer decks in play.
| Bet | 1-Deck House Edge | 6-Deck House Edge | 8-Deck House Edge |
|---|---|---|---|
| Banker | 1.01% | 1.06% | 1.06% |
| Player | 1.29% | 1.24% | 1.24% |
| Tie (8:1) | 15.75% | 14.44% | 14.36% |
Single-deck baccarat is rare, but if you find it, the Banker bet has a slightly lower house edge (1.01% versus 1.06%). The flip side: the Player bet and Tie bet both get slightly worse. In practice, the differences are so small that deck count shouldn’t drive your choice of table. Pick based on minimums, speed, and format preference. You can test different scenarios yourself on our baccarat simulator to see how deck count plays out over hundreds of hands.
Reading a Baccarat Payout Chart: What Matters Most
Numbers without context are just noise. Here’s how to actually use the charts above to make better decisions at the table.
House Edge Is Your Real Cost
The payout ratio tells you what you win per hand. The house edge tells you what you lose over time. A Tie bet paying 8:1 sounds generous until you realize the 14.36% house edge means you’ll lose roughly $14.36 for every $100 wagered over the long run. Meanwhile, the Banker bet’s 0.95:1 payout with a 1.06% house edge means you’ll lose only $1.06 per $100 wagered.
Expected Hourly Loss Formula
Your expected loss per hour depends on three factors: bet size, hands per hour, and house edge.
Payouts Vary by Casino and Variant
Never assume every table runs the same payout structure. A few differences to watch for:
The Tie might pay 9:1 instead of 8:1. Pair bets might pay 11:1 at one venue and 9:1 at another. No-commission tables might reduce Banker wins on 6 to half, or they might push on a Banker three-card 7 (EZ Baccarat). Some live dealer games add multiplier mechanics that change the payout structure entirely (Lightning Baccarat, for example).
Always read the rules panel or ask the dealer before placing your first bet. A quick check takes 30 seconds and can save you from a payout surprise.
How Baccarat Payouts Compare to Other Casino Games
Baccarat’s core bets offer some of the lowest house edges in any casino. Here’s where they stack up.
| Game / Bet | House Edge |
|---|---|
| Blackjack (basic strategy) | 0.50% |
| Baccarat (Banker) | 1.06% |
| Baccarat (Player) | 1.24% |
| Craps (Pass Line) | 1.41% |
| European Roulette (single number) | 2.70% |
| American Roulette (single number) | 5.26% |
| Baccarat (Tie at 8:1) | 14.36% |
| Slot Machines (average) | 5-15% |
Only blackjack with perfect basic strategy offers a lower house edge than baccarat’s Banker bet. And blackjack requires you to make the correct decision on every hand. Baccarat requires you to make one decision: pick Banker. That’s it. The dealer handles everything else.
This is why baccarat attracts high rollers. It’s the best return available for a game requiring zero skill after the bet is placed. You can explore this concept further in our analysis of baccarat psychology and why certain players gravitate toward the game.
Why You Should Play Baccarat With the Payout Chart in Mind
Knowing the payout chart changes how you play in two concrete ways.
First, it kills the temptation of bad bets. Once you’ve seen that the Tie bet costs you $14.36 per $100 wagered while Banker costs $1.06, the allure of an 8:1 payout loses its shine. You stop chasing the big number and start respecting the small, consistent one.
Second, it helps you compare tables intelligently. Two baccarat tables in the same casino can have very different cost structures based on their variant (commission vs. no-commission), their Tie payout (8:1 vs. 9:1), and their available side bets. The player who reads the payout chart picks the cheaper table every time. The player who doesn’t sits wherever there’s an open seat.
If you’re still building your understanding of the game, start with our how to play baccarat guide, then come back here to layer in the payout knowledge. The combination of understanding the rules and knowing the exact cost of each bet is what separates recreational players from informed ones.
You don’t need a system. You don’t need a pattern. You need to know what every bet actually costs you, and this chart gives you that.
Baccarat Payout Chart FAQs
A winning Banker bet pays even money (1:1) minus a 5% commission, making the effective payout 0.95:1. On a $100 bet, you collect $95 in profit. In no-commission baccarat variants, the Banker bet pays 1:1 with no deduction, except when Banker wins with a total of 6, which pays only 0.50:1 (half your bet). See our full baccarat odds breakdown for more detail.
It depends on the casino. Most tables worldwide pay 8:1, which gives the house a 14.36% edge. Some UK casinos and select online tables pay 9:1, dropping the house edge to approximately 4.85%. Always check the table felt or rules panel before betting. The payout should be clearly displayed.
Best payout and best value are two different things. The Tie bet has the highest payout at 8:1 (or 9:1), but it carries the worst house edge (14.36% at 8:1). The best value bet is Banker at 0.95:1 with a 1.06% house edge. Over time, the Banker bet returns roughly $98.94 for every $100 wagered, while the Tie returns about $85.64. Our best baccarat bets page ranks every wager by expected return.
For the Banker bet, no. Standard commission baccarat gives the house a 1.06% edge on Banker, while no-commission versions raise it to 1.46%. The “no commission” label sounds like a deal, but the half-payout on winning Banker 6s actually costs you more over time. If you bet Player exclusively, the house edge is the same (1.24%) in both formats.
The Royal Match (2.13% house edge) and the Player Dragon Bonus (2.65%) are among the lowest. However, both still carry significantly higher edges than the core Banker bet (1.06%). The Big/Small bets (4.35% and 5.27%) are also relatively tame for side wagers. Check our side bets guide for the complete rundown of every option.
The payout ratios stay the same regardless of deck count. What changes is the house edge. With a single deck, the Banker house edge drops slightly to 1.01% (from 1.06% with eight decks), while the Player edge rises to 1.29%. In practice, six-deck and eight-deck games are so close in house edge that the difference is negligible for most players.
