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Baccarat odds and house edge
The payout tells you what a winning bet returns. It does not tell you how likely the result is. Both matter, and the exact rules can differ from one table to another.
How often each hand wins
Under the standard game described by OLG PlaySmart, the Banker hand wins about 45.8% of rounds, the Player hand about 44.6%, and a tie occurs about 9.6% of the time. A tie is not a Banker or Player win, so those bets usually push instead of losing.
House edge on common bets
With the usual 5% Banker commission and a Tie bet paying 8 to 1, OLG lists a house edge of about 1.06% on Banker, 1.24% on Player, and 14.36% on Tie. On average, the casino keeps about $1.06 of every $100 bet on Banker, $1.24 on Player and $14.36 on Tie. Those are long-run averages; they say nothing about what will happen in one session.
| Bet | Approx. hand result frequency | Typical house edge |
|---|---|---|
| Banker | Wins about 45.8% of rounds | 1.06% |
| Player | Wins about 44.6% of rounds | 1.24% |
| Tie | About 9.6% of rounds | 14.36% at 8 to 1 |
These are rounded figures for common rules. A different number of decks, commission, payout or game variation can change the math.
How common bets are paid
| Bet | Common payout | If the hand ties |
|---|---|---|
| Player | 1 to 1 profit | Usually a push; stake returned |
| Banker | 1 to 1 profit, often minus commission | Usually a push; stake returned |
| Tie | Often 8 to 1 or 9 to 1 profit | Wins if the hands tie |
“8 to 1” means an $8 profit for each $1 bet, plus the original $1 stake if the bet wins. A $10 winning Tie bet at 8 to 1 returns $90 total. Check the table sign: Tie payouts vary, and some games have different terms. The payouts page shows these terms as a chart with worked examples.
What the payout alone leaves out
A large payout can come with a less frequent winning result. The payout by itself is not enough to compare bets. House advantage also depends on the probability of each result and the exact pay table, including commission.
For example, a standard Banker win may pay less than a full 1 to 1 after commission. The payout calculator lets you enter the commission and Tie payout shown at your table.
Not sure how the hand is dealt? See the baccarat rules and third-card chart before comparing payouts.
Can a betting system change the odds?
No progression or pattern can change the rules of the game or guarantee a profit. Past hands do not determine the next deal. If you choose to play, set a spending limit before you start and stop when you reach it.
Last updated October 8, 2026.
Source: OLG PlaySmart baccarat odds. For help setting limits or taking a break, see OLG PlaySmart.