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Baccarat Payout – How to Calculate Baccarat Payouts

Jonn Seo | December 17, 2020 | Updated on: December 17th, 2020

100x100-baccarat-payoutsThe Baccarat payout is a great way to size out how much you can expect from the game. The game’s payout percentage gives you an idea of what your return rate will be on the game or bet that you make. Baccarat has several bets and sides bet and each f these bets have unique odds, payout percentages, and house edge.

Once you understand how baccarat payouts work, you will be able to make wise bets as well as play games with fair odds. We take you through payout percentages of each of the baccarat bets, best banking options, and odds.

Casinos with The Best Baccarat Payouts

Baccarat Rules

Before you can fully understand how baccarat payouts work you have to fully understand the rules of the game. So, we will give you a quick recap on how to play baccarat. If you are new to baccarat, you may want to read our real baccarat guide for a clear explanation.

Generally, about eight decks of cards will be uses. Cards 2 to 9 will get their value and all face cards and the ten cards are worth 10. And the ace is valued at 10.

The game aims to get as close as possible to 9 to win. You can bet on the banker, player, or a tie. If the combined value of your cards is a double-digit then the last number is the value of your hand. For instance, if your hand is equal to 16 then your hand will be 6.


Baccarat Payouts

When you play Baccarat, you will notice that the player and the banker bets have a similar payout percentage. The tie bet has a higher payout percentage but If you happen to win the tie bet you will get a 5% commission applies on your winnings.

The tie payout percentage and side bets will differ from casino to casino. Before you can start playing you must know what your best options are. That way you will know which bets to avoid and which bets are more profitable for you.

Here is a breakdown of the Payout percentage in Baccarat.

Bet Payout House edge
Banker 0,95:  1 1.06
Player 1: 1 1.24
Tie 8: 1 14.36
Banker Pair 11: 1 10.36
Player pair 11: 1 10.36
Perfect Pair 25: 1 13.03
Either Pair 5: 1 13.71
Big 2: 1 4.35
Small 3: 2 5.27


Baccarat Payout Odds

The odds of each bet in baccarat let you know of the likelihood of each bet.  Knowing this information about each bet will somewhat help you make a well-informed decision before you place real money bets. The last thing you want to do is continuously make the tie in hopes that you get the 5% commissions. While the returns are great the odds of this bet succeed are enough to tell you that this is not a wise bet to make.

So, we have compiled a list with all baccarat bets and odds so you have a clear understanding of what the odds are for each bet.

  • Banker – 45.86%
  • Player – 44.62%
  • Tie – 9.52%
  • Banker Pair – 7.47%
  • Player pair – 7.47%
  • Perfect Pair – 3.34%
  • Either Pair – 14.4%
  • Big – 31.8%
  • Small – 37.8%

As you can see bets that you can most likely winners are the banker, player, big and small.  Bets such as the tie, player pair, and banker pair.

Payment Options

The whole idea of winning at baccarat is that you can withdraw your winnings and enjoy your money. To do so you will need to know fi eth various banking options offered by casino sites that offer baccarat.

When you choose a banking method for your withdrawal, you have to look out for things such as the withdrawal limits, banking fees, and time frames Here is a list of the baccarat banking options for quick and safe payouts

Banking Option Timeframe Minimum Limit Maximum Limit
Bitcoin 24 hours $20 $100,000
Ethereum 24 hours $20 $100,000
Bank Wire 5 days $150 $2,500
Neteller 48 hours $25 $2,000
Skrill 48 hours $25 $2,000
Ecopayz 48 hours $25 $2,000
Visa 3-7 days $150 $2,000
Mastercard 3-7 days $150 $2,000
Person to Person 5-10 days $50 $400
Check 7-10 days $150 $3,000


House edge

The best part about playing baccarat is that the game has a few variations. But because the rules are different the payout and house edge of each variation will also differ. If you are playing real money baccarat games and looking to win big you should know what the house edge on each game is. Here is a list of the various baccarat games that you can play online,

  • Chemin der fer
  • Punto Banco
  • Live Baccarat
  • Baccarat Banque
  • Mini Baccarat


Sure, when you play using a strategy you can somewhat improve yours but there are fundamentals of the game that you cannot ignore. Remember that even if you play using a strategy but you still make risky bets such as tie bets no good can come from that.

Also, it would best if you practiced playing baccarat on free games before playing for real money. This will give you an idea of how each bet will payout. When you are comfortable with your understanding of the game as well as the game you can switch to real money games.