Baccarat Commission Calculator
See the exact house edge of the Banker bet with the 5% commission, a 4% commission, EZ Baccarat and Super 6, and what each costs you over a session.
Learn the rules and the drawing sequence in the
, or see why scoreboard patterns can't predict the next hand in the
The short version
Banker wins 45.86% of hands, Player 44.62% and Tie 9.52%. After the 5% commission, Banker carries a 1.06% house edge against 1.24% on Player.
The commission is the price of Banker's edge. At 4% the house edge falls to 0.60%, and at 2.69% the Banker bet would be fair, which is why casinos never charge that little.
"No commission" tables are not free. EZ Baccarat pushes a Banker win made with a three-card 7 (1.02% edge), and Super 6 pays only half on a Banker win of 6 (1.46% edge).
The Tie bet pays 8 to 1 and costs 14.36%, about 14 times the cost of Banker. Even at 9 to 1 it still costs 4.84%.
How the numbers work
Why Banker pays a commission
Banker wins slightly more often than Player, because the drawing rules let Banker's third card depend on what Player drew. An even-money payout on a bet that wins more often would favor the player, so the casino takes a commission, usually 5%, from each winning Banker bet. That leaves Banker as the best bet at the table, but still not a winning one.
What "no commission" really costs
EZ Baccarat and Super 6 remove the commission but give the money back another way. EZ Baccarat pushes a Banker win made with a three-card 7, which happens about 2.25% of hands. Super 6 pays only 1 to 2 when Banker wins with a 6, about 5.4% of hands. EZ comes out slightly cheaper than the commission game; Super 6 comes out more expensive.
Why the Tie bet is so costly
A tie comes up about 9.5% of the time, roughly one hand in 10.5, so a fair payout would be about 9.5 to 1. Paying 8 to 1 keeps the difference, a 14.36% edge. Tie also isn't a way to hedge: when a hand ties, Banker and Player bets simply push. Everything here is educational, with no real money involved.
Table Edge