Why You Should Always Place the Banker Bet in Baccarat


Even the most basic research will inform you that the banker bet is your best option in baccarat. According to the same data, the player bet is only a tiny underdog to the banker bet. Players compare the house edge and commission for the banker bet and choose the player bet. This isn’t the craps table, where betting alongside the shooter is the norm.

There is no “hot hand” in baccarat throwing 7s like machine-gun fire and making the table rich. Learn why you should always make the banker bet when playing baccarat.

Baccarat Basics

Examining how the baccarat game is played can help you grasp why the banker bet is so profitable. The player and dealer each receive two cards in a baccarat hand; the goal is to reach as close to nine as possible. It is worth noting that the values of 10 through King are 0 and Aces are 1. If the total of the two cards is 10 or higher, the initial digit is removed. As a result, 17 becomes 7. 

If either the player or the dealer has an 8 or 9, the hand is termed a natural, and no further cards are dealt. If no natural is dealt, the player is dealt another card with a value of 5 or less. The player is either on 6 or 7.

If the total of the two cards is 10 or higher, the initial digit is removed. As a result, 17 becomes 7. If either the player or the dealer has an 8 or 9, the hand is termed a natural, and no further cards are dealt. If no natural is dealt, the player is dealt another card with a value of 5 or less. The player is either on 6 or 7.

The dealer has a hand of 7-9. However, the dealer’s actions beyond those three are determined by the player’s hand. The banker bet benefits from the drawing strategy for the banker’s hand. The fact that if the player draws, the banker’s hand will only draw a third card is a huge advantage. Regardless, the player will assess whether or not the banker’s hand draws at all based on the findings of the third card.

The casino gains an advantage in real money blackjack in much the same way. The player must take the initiative. Of course, in blackjack, the player can bust and lose immediately. In baccarat, you don’t have to worry about that.

You Have Options

In a game that eliminates all gameplay options, the player just has one important choice. Baccarat only provides you one chance to make a choice. At the baccarat table, you have three betting possibilities to select from. These are wagers on either the banker, the player, or a tie.

Let’s begin with the tie wager.

If the player and banker tie the hand, the tie bet pays off 8:1. Many players enjoy the thrill of placing a tie wager in the hopes of winning the 8:1 payoff rather than the regular 1:1 payout for a victory. Some players may fall behind and perceive the tie bet as a method to recoup their losses.

This bet has several major flaws. To begin, all ties at the baccarat table are pushed. So you’re putting money at risk that you really don’t need to. Second, bets are made in fewer than 10% of all hands. You’re taking a 1 in 10 chance of winning an 8:1 payout. Does that math make sense to you? The tie bet is a worst bet in its most basic form, and you should never make it under any circumstances.

The only two bets you should ever consider whether playing baccarat at an online casino, or through a mobile baccarat app are the banker and player bets. While both have a similar house edge, the banker bet remains the tiny favorite.

The Banker Gains the Math

The banker’s hand usually wins 46% of the time. The player hand is somewhat less than 45%, with ties accounting for the rest. However, because a tie pushes, the banker’s hand effectively rises to 51%. The banker’s hand is such a good bet that, all else being equal, the player has an advantage over the casino. Consider how much money you could steal from the casino if you were guaranteed to win 51% of the time. The casino obviously cannot have tables full of gamblers taking the casino’s money with impunity. As a result, they charge a commission.

This tiny commission shifts the balance back in favor of the house. Even with the 5% commission and the house expenses, the edge is still a meager 1.06%. Unfortunately, if you play long enough, you will still lose in the end. However, the little advantage implies you can go on a winning streak and grab some incremental victories. Baccarat is one of the top casino games for players. You’ll be able to play for longer periods of time and walk away a winner more frequently.

Games with a low house edge are ideal for beginners and anyone looking to stretch their bankroll to its farthest.

How Does the Commission Impact Your Winnings?

So, what precisely is this banker commission, and how does it affect your winnings? All successful banker bets are subject to a 5% commission fee by the house. So, if you play baccarat for $20 per hand and bet on the banker, your winnings will be $19. A winning wager on the player would result in a $20 payout. This $1 may appear insignificant, but keep in mind that it is a 5% commission, not a $1 commission. That’s an essential distinction since it takes the player’s advantage away.

Still, one complete bet for every twenty wins. When you’re losing as many as you’re winning, that’s a considerable difference. Before you sit at the baccarat table, you should read the regulations carefully. Some casinos impose a fixed minimum commission. These minimal commissions could be as low as $1. If you’re betting $5 per hand, that’s a 20% commission. This increases the house edge tremendously. If you can’t play for at least $20 per hand, you should look for another game. There are two schools of thought. It’s all about convenience and providing the best possible player experience if you work in the casino industry. In any case, you should be aware of tables with a minimum.

Why is the Best Bet the Banker Bet?

The banker bet provides you with some of the best odds in the casino. When you consider your predicted loss and how far your money will go, the commission is definitely worth it. Assume you are playing for $20 every hand and playing 100 hands per hour. That means you’re betting $2000 per hour.

Everyone know that the estimated loss due to ties is 1.06%. That equates to nearly $21 in losses each hour. To spend all day playing baccarat for real money, you don’t need a large bankroll. You’ll definitely need enough to get through a losing run, but not nearly as much as you’d need if you were playing slot machines or roulette.

In fact, you’re dealing with such slim margins that you might be shocked how often you leave the casino a winner. If you want to stay at the tables longer and win more often, the banker bet in baccarat is one of the best possibilities in the casino.


Now that you understand why you should always make the banker bet in baccarat, you’re ready to go on a path of casino gaming success. Keep in mind that you will still lose money, but you will spend hours at the tables enjoying all of the exciting action.