Banker’s Hand
If the banker’s hand totals zero to two, a third card must be drawn regardless of the player’s hand.
If the banker’s hand totals three, banker does not draw the 3th card if the card on Player was 8.
If the total is four and the value of the player’s hand is two to seven then a third card is drawn.
If the total is five and the value of the player’s hand is four to seven then a third card is drawn.
If the total is six and the value of the player’s hand is six to seven then a third card is drawn. But only if the player’s total was made with three cards.
If the total is seven the banker must stand.
If the banker’s hand has a value of eight or nine then the banker and the player both stand.
Side Bets
- Player Pair - Pays if the first two cards dealt to the Player constitute a pair.
- Banker Pair - Pays if the first two cards dealt to the Banker constitute a pair.
- Perfect Pair - Pays 25:1 if two identical cards (in terms of value and suit) are dealt as the first two cards to either the Banker or the Player
- Perfect Pair - Pays 200:1 if two identical cards (in terms of value and suit) are dealt as the first two cards to both the Banker and the Player.
- Either Pair - Pays if either the Banker or the Player hand is a pair.
- Player Bonus - Pays when the Player wins the round on a natural 8 or 9 or by at least four points.
- Banker Bonus - Pays when the Banker wins the round on a natural 8 or 9 or by at least four points.
Payouts
Your payout depends on the type of bet placed.
Player 1:1
Banker 1:0.95 (5% commission is charged)
Tie 8:1
Player Pair 11:1
Banker Pair 11:1
Perfect Pair - One pair: 25:1
Perfect Pair - Two pair: 200:1
Either Pair 5:1
Player/Banker Bonus
Hand Combination Odds
- Non-Natural hand wins by 9 points, 30:1
- Non-Natural hand wins by 8 points, 10:1
- Non-Natural hand wins by 7 points, 6:1
- Non-Natural hand wins by 6 points, 4:1
- Non-Natural hand wins by 5 points, 2:1
- Non-Natural hand wins by 4 points, 1:1
- Natural win, 1:1
- Natural tie, Push
Return to Player
The optimal Return To Player(RTP) percentage for Baccarat is 98.94%*.
The following table displays the return-to-player percentage on the different optional side bets.
Side Bet Return to Player
Banker Pair 89.64%
Player Pair 89.64%
Perfect Pair 91.95%
Either Pair 86.29%
Player Bonus 97.35%
Banker Bonus 90.63%
*RTP based on optimal strategy for Banker bet.