{"id":58756,"date":"2026-09-06T13:41:53","date_gmt":"2026-09-06T17:41:53","guid":{"rendered":"https:\/\/casino.betmgm.com\/en\/blog\/?post_type=article&#038;p=58756"},"modified":"2026-09-06T11:38:26","modified_gmt":"2026-09-06T15:38:26","slug":"baccarat-odds-and-payouts","status":"publish","type":"article","link":"https:\/\/casino.betmgm.com\/en\/blog\/guides\/baccarat-odds-and-payouts\/","title":{"rendered":"Baccarat Odds and Payouts Explained"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Baccarat odds and payouts are important components of playing the game for bettors, as they inform players of the probability of a bet winning and reveal what bettors will receive if that happens. Players can use this information to formulate a detailed betting plan for their baccarat sessions.<\/span><\/p>\n<div id=\"betmg-2841118861\" class=\"after-article-adv-ad betmg-after-content betmg-entity-placement\" role=\"region\" aria-label=\"Advertisements\"><a href=\"https:\/\/www.betmgm.com\/en\/myaccount\/promotions\/casino\/new-player-offer\" target=\"_blank\" aria-label=\"PS_MC_3864152_PS &#8211; Facebook &#8211; 1200&#215;628\"><img src=\"https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1.jpg?strip=all\" alt=\"\"  srcset=\"https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1.jpg?strip=all 1200w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1-300x157.jpg?strip=all 300w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1-1024x536.jpg?strip=all 1024w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1-768x402.jpg?strip=all 768w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1-50x26.jpg?strip=all 50w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1-640x335.jpg?strip=all 640w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1.jpg?strip=all&w=120 120w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1.jpg?strip=all&w=240 240w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1.jpg?strip=all&w=360 360w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1.jpg?strip=all&w=480 480w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1.jpg?strip=all&w=840 840w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1.jpg?strip=all&w=960 960w, https:\/\/eidk95seyu2.exactdn.com\/en\/blog\/wp-content\/uploads\/2022\/10\/PS_MC_3864152_PS-Facebook-1200x628-1.jpg?strip=all&w=1080 1080w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 770px\" width=\"1200\" height=\"628\"   \/><\/a><\/div>","protected":false},"author":4,"featured_media":70158,"comment_status":"closed","ping_status":"closed","template":"","categories":[459],"tags":[],"topic":[545],"class_list":["post-58756","article","type-article","status-publish","has-post-thumbnail","hentry","category-casino-guides","topic-guides"],"acf":{"article_highlights":[{"hightlight":"Baccarat odds and payouts inform players about the house edge, prizes, and probabilities in the game."},{"hightlight":"Each betting option in baccarat has unique odds and payouts."},{"hightlight":"Informed betting plans use baccarat odds and payouts as guideposts."}],"article_builder":[{"acf_fc_layout":"paragraph","title_only":true,"content":"<span style=\"font-weight: 400;\">The odds and payouts are standard across <\/span><strong><a href=\"https:\/\/www.betmgm.com\/en\/casino\/c\/tablegames\" target=\"_blank\" rel=\"noopener\">online baccarat<\/a><\/strong><span style=\"font-weight: 400;\"> games that follow traditional rules, making it easier for bettors to select a wager with the balance between reward and risk that they prefer.\u00a0<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Baccarat odds and payouts represent three important aspects of playing the game. These are the casino\u2019s house edge, the probability of a bet winning, and the prize that bettors will receive if they win.<\/span>\r\n<h2><b>What is the House Edge in Baccarat?<\/b><\/h2>\r\n<span style=\"font-weight: 400;\">One of the most foundational <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/beginners-guide-to-baccarat\/\" target=\"_blank\" rel=\"noopener\">baccarat rules for beginners<\/a><\/strong><span style=\"font-weight: 400;\"> is that the casino has a house edge and that each of the three standard betting options has a unique house edge. The <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/reasons-why-beginners-need-to-know-about-house-edge\/\" target=\"_blank\" rel=\"noopener\">house edge<\/a><\/strong><span style=\"font-weight: 400;\"> in baccarat is the advantage that the casino enjoys through the game rules and the scoring system. The house edge for each of the wagers is:<\/span>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Banker bet: 1.06%*<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Player bet: 1.24%*<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tie bet: 14.36%*<\/span><\/li>\r\n<\/ul>\r\n<i><span style=\"font-weight: 400;\">*\u00a0 This is the house edge according to traditional rules. Rule variations in certain baccarat games can alter these statistics<\/span><\/i><span style=\"font-weight: 400;\">.<\/span>\r\n<h2><b>How Do You Explain Probability in Baccarat?<\/b><\/h2>\r\n<span style=\"font-weight: 400;\">Whether you\u2019re discussing <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/guides\/comparing-baccarat-vs-other-casino-games\/\" target=\"_blank\" rel=\"noopener\">baccarat or other casino games<\/a><\/strong><span style=\"font-weight: 400;\">, the probability of a bet hitting is a simple ratio of the number of ways that the bet can win compared to the number of possible outcomes. In baccarat, there are three standard outcomes to every coup (more commonly known as a round): the banker wins, the player wins, and a tie. However, the rules in all <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/guides\/types-of-baccarat-explained\/\" target=\"_blank\" rel=\"noopener\">types of baccarat<\/a><\/strong> <span style=\"font-weight: 400;\">alter the probability.\u00a0<\/span>\r\n\r\n<span style=\"font-weight: 400;\">For example, whether the banker hand receives a third card is heavily dependent on the player hand\u2019s score, giving the banker hand a slight advantage.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Rules that provide for a third card to be dealt to either or both hands in baccarat also make a tie less probable. The basic probabilities for traditional games of baccarat show <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/guides\/banker-in-baccarat\/\" target=\"_blank\" rel=\"noopener\">why the banker bet is different<\/a><\/strong><span style=\"font-weight: 400;\"> and why the player bet is still much safer than the tie.<\/span>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Banker: 45.86%* chance of winning<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Player: 44.62%* chance of winning<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tie: 9.52%* chance of winning<\/span><\/li>\r\n<\/ul>\r\n<i><span style=\"font-weight: 400;\">* For standard-rules baccarat games. Modifications may alter probabilities.<\/span><\/i>\r\n<h2><b>Baccarat Payouts Explained<\/b><\/h2>"},{"acf_fc_layout":"large_image","image_options":"inline-image","image":70160,"image_link":"","caption_1":"","image_2":null,"caption_2":"","image_2_link":null},{"acf_fc_layout":"paragraph","title_only":true,"content":"<span style=\"font-weight: 400;\">Payouts in baccarat reflect the house edge and the probability of each wagering option. Bettors who fall prey to <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/guides\/baccarat-myths-and-misconceptions\/\" target=\"_blank\" rel=\"noopener\">common baccarat misconceptions<\/a><\/strong><span style=\"font-weight: 400;\"> may forget to account for the house edge and assume that bets pay out the \u201ctrue odds\u201d (another word for the probability).<\/span>\r\n\r\n<span style=\"font-weight: 400;\">When you\u2019re <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/comparison-card-game-odds\/\" target=\"_blank\" rel=\"noopener\">comparing card game odds<\/a><\/strong><span style=\"font-weight: 400;\">, you always have to remember the casino advantage. In standard baccarat games, the commission on winning banker bets is the clearest example of this \u201ccost.\u201d It\u2019s the main thing separating the banker vs. player baccarat odds.<\/span>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Banker bet payout: 1:1 minus 5% commission*<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Player bet payouts: 1:1*<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tie bet payout: 8:1 or 9:1 (depending on house rules)*<\/span><\/li>\r\n<\/ul>\r\n<i><span style=\"font-weight: 400;\">* In games with traditional rules. Rule changes can alter these payouts<\/span><\/i><b><i>.<\/i><\/b>\r\n<h2><b>What Are the Odds in Baccarat?<\/b><\/h2>\r\n<span style=\"font-weight: 400;\">Use this table as you\u2019re learning <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/guides\/how-to-play-baccarat-game\/\" target=\"_blank\" rel=\"noopener\">how to play baccarat<\/a><\/strong><span style=\"font-weight: 400;\"> to easily compare your wagering options. Keep in mind, though, that these stats are just for games with traditional rules and may fluctuate based on a casino\u2019s house rules or other changes.<\/span>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><b>Bet<\/b><\/td>\r\n<td><b>House Edge<\/b><\/td>\r\n<td><b>Probability<\/b><\/td>\r\n<td><b>Payout<\/b><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Banker<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.06%<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">45.86%<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1:1 minus 5% commission<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Player<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.24%<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">44.62%<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1:1<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Tie<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">14.36%<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">9.52%<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">8:1 or 9:1\u00a0<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><b>What Are the Odds on Baccarat Side Bets?<\/b><\/h2>\r\n<span style=\"font-weight: 400;\">Many versions of the game also offer various <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/what-are-side-bets-baccarat\/\" target=\"_blank\" rel=\"noopener\">baccarat side bets<\/a><\/strong><span style=\"font-weight: 400;\"> that often have long odds but tremendous payouts. Which bets are available and their exact returns depend on the casino and table you choose.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">An example of these wagers is the <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/dragon-bonus-baccarat\/\" target=\"_blank\" rel=\"noopener\">Dragon Bonus wager<\/a><\/strong><span style=\"font-weight: 400;\">. The Dragon Bonus house edge and payout fluctuate based on the score in the coup, ranging as low as 2.65% on the house edge and as high as 30:1 on the payout.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Players who want to include side bets in their <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/guides\/best-baccarat-betting-systems\/\" target=\"_blank\" rel=\"noopener\">baccarat betting systems<\/a><\/strong><span style=\"font-weight: 400;\"> should consult the rules of the specific game they\u2019re considering to verify which bets are available along with their odds.\u00a0<\/span>\r\n<h2><b>How Do You Use the Odds in Baccarat to Your Advantage?<\/b><\/h2>\r\n<span style=\"font-weight: 400;\">The odds and payouts in baccarat help you identify which bets fit your playing style best. The biggest difference between <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/blackjack-vs-baccarat\/\" target=\"_blank\" rel=\"noopener\">baccarat and blackjack<\/a><\/strong><span style=\"font-weight: 400;\"> is that bettors are mere spectators when it comes to the card deal, putting more emphasis on careful choices prior to the deal in baccarat.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Evaluating these options requires an honest appraisal of <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/what-is-rtp-in-casino-games\/\" target=\"_blank\" rel=\"noopener\">RTP in casino games<\/a><\/strong><span style=\"font-weight: 400;\"> and your tolerance for risk. If you\u2019re a conservative player, for example, you\u2019ll probably want to stick to the banker bet, while people with a greater appetite for risk may want to experiment with the tie bet on a limited basis.<\/span>\r\n<h2><b>Baccarat Odds and Payouts FAQ<\/b><\/h2>"},{"acf_fc_layout":"large_image","image_options":"inline-image","image":58760,"image_link":"","caption_1":"","image_2":null,"caption_2":"","image_2_link":null},{"acf_fc_layout":"paragraph","title_only":true,"content":"<span style=\"font-weight: 400;\">Learn more about baccarat odds and payouts with these most commonly asked questions:<\/span>\r\n<h3><b>What Are the Baccarat Tie Bet Odds?<\/b><\/h3>\r\n<span style=\"font-weight: 400;\">The chance of a tie occurring in standard baccarat games is 9.52%, but the normal payout can be as high as 9:1. Ties are very rare in baccarat because of the rules in most games that define whether the banker and player hands receive third cards.<\/span>\r\n<h3><b>Why Is the Banker Bet Better in Baccarat?<\/b><\/h3>\r\n<span style=\"font-weight: 400;\">Whether the banker bet is \u201cbetter\u201d depends on what you value in your baccarat wagers. The banker bet has the lowest house edge and highest probability compared to the player and tie bets, but it also offers the lowest payout of the three options due to the commission on the wager.<\/span>\r\n<h3><b>Why is There a Commission on the Banker Bet in Baccarat?<\/b><\/h3>\r\n<span style=\"font-weight: 400;\">Most casinos charge a commission on winning banker bets in most baccarat games to maintain their house edge. The banker hand carries a better probability than the player hand because of the third card rules, so the commission accounts for that fact.<\/span>\r\n<h3><b>Are There Baccarat Versions Without a Commission on the Banker Bet?<\/b><\/h3>\r\n<span style=\"font-weight: 400;\">Yes. Certain <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/how-does-punto-banco-compare-to-baccarat\/\" target=\"_blank\" rel=\"noopener\">Punto Banco<\/a><\/strong><span style=\"font-weight: 400;\"> titles and other variants pay out even money (1:1) on banker bets without a commission. However, these titles often adjust other rules to maintain the casino's house edge.<\/span>\r\n<h2><b>Size Up Your Odds at BetMGM Casino<\/b><\/h2>\r\n<span style=\"font-weight: 400;\">There\u2019s no better place to put your knowledge of baccarat odds to use than BetMGM. BetMGM is at the forefront of the <\/span><strong><a href=\"https:\/\/casino.betmgm.com\/en\/blog\/guides\/future-of-baccarat-trends-and-innovations\/\" target=\"_blank\" rel=\"noopener\">future of baccarat<\/a><\/strong><span style=\"font-weight: 400;\"> with a robust selection of games and valuable bonuses for players.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">You can discover all the baccarat entertainment at your fingertips as soon as you <\/span><strong><a href=\"https:\/\/www.betmgm.com\/en\/myaccount\/register\" target=\"_blank\" rel=\"noopener\">register<\/a><\/strong><span style=\"font-weight: 400;\"> for BetMGM. You won\u2019t always get a payout on every baccarat bet, but the odds are that you will have fun at BetMGM.<\/span>"}],"display_as_video":false,"video_duration":"","video_embed":null,"promote_to_homepage":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Everything You Need to Know About Baccarat Odds and Payouts &#8211; BetMGM<\/title>\n<meta name=\"description\" content=\"Baccarat odds and payouts guide players in formulating betting plans that help bettors identify wagers that fit their budget and tolerance for risk. 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