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How do Baccarat Betting Odds Work

Last updated: 21.11.2025
Emily Thompson
Published by:Emily Thompson
How do Baccarat Betting Odds Work image

What makes Baccarat a real hit among players in Zimbabwe is its famously low house-edge. It's the casino card game that offers the lowest house edge, sitting at just 1.06% for the most popular Banker Bet.

Baccarat comes with a few variations that generally stick to similar rules, but there can be small differences that might slightly tweak the final Baccarat payout odds. In the most common version, Punto Banco, you'll find three main betting options: backing the Banker, betting on the Player, or going for a Tie. This is where that favourable low house edge comes from.

Without wasting any time, let's get straight into how Baccarat game odds work and how that low house edge can work in your favour as a player.

Understanding Baccarat Odds for Zimbabwean Players

The game of Baccarat largely comes down to chance – what cards the Player and Banker will be dealt. Your winning edge as a player can definitely be influenced by understanding the game's odds.

Baccarat odds simply refer to your chances of winning. It's crucial for every Baccarat player in Zimbabwe to be well-informed about the winning probabilities, house edges, and payouts for each of the three main Baccarat bets available.

Placing Your Bets: Banker vs. Player

Based on historical data, the Banker bet is often considered the smartest bet a player can make. Banker bets have a proven track record of winning around 45.86% of the time, with payouts typically at 19:20.

However, because it's so popular in Baccarat, casinos often charge a small commission, usually around 5%, on winning Banker bets. Even with this fee, the house edge remains incredibly low at just 1.06% – one of the lowest you'll find across all casino games.

The Player Bet Option

Your second choice for a bet in Baccarat is the Player bet. This bet boasts a win rate of about 44.62%. While still a strong contender, it's not quite as statistically favourable as the Banker's bet.

It has a 1:1 payout, but there are not any commission fees. As the player's bet is proven to win less than the Banker, the house edge is a little higher, 1.24%.

Tie Bet

The Tie is the least possible outcome that can happen in a game of baccarat, so the payouts are 8:1. The probability of this bet happening is very low, so players should avoid placing the Tie Bet.

The Tie bet has a 9.6% win rate and a 14.44% house edge in a 6-deck baccarat game. For an 8-deck baccarat game, the house edge is a little lower, 14.36%, but it’s still too low to include that bet in a winning strategy.

Overall, the baccarat winning odds that any player should stick to getting are the ones from the Banker’s bet, as they will provide the biggest returns.

The tie bet is recommended to be avoided unless any sequence is spotted by the player, in which case, it is worth putting a few bucks on it.

Baccarat Payout Odds

Baccarat odds are quite simple to understand, but in order to make things even easier for any baccarat player, here are a few examples of how baccarat bets will be paid:

Hand BetStakeOutcomePayoutReturn
Banker$5Win19:20$4.75
Banker$10Win19:20$9.50
Banker$50Win19:20$47.50
Player$5Win1:1$5
Player$10Win1:1$10
Player$50Win1:1$50
Tie$5Win8:1$40
Tie$10Win8:1$80
Tie$50Win8:1$400

This table clearly shows that payouts for the banker and the player bets are not that impressive, whereas the tie bet can give very good returns. However, the tie bet comes in at just 9.6% of the time, literally making it not worth placing.

Baccarat Side Bets Payouts

Apart from the standard Banker, Player, and Tie bets, there are some side bets in Baccarat that players can place.

Side bets can be seen across any online casino site, but they can be very tricky. Some of them have huge payouts, like 75:1 for the Bellagio Match, which can be placed in a three-card variation of baccarat.

  • All the same color - One of the most popular side bets for baccarat is the bet for the same color of cards in either the banker's or player's hand. This bet pays 22:1 for the banker and 24:1 for the player.
  • Big and Small - This side bet is on the total number of cards in a round. It’s strongly dependent on whether the player will hit or stand. The payout for this side bet will be 3:2.
  • Bellagio Match - Bellagio Match can be played in a Three-Card Baccarat Game. It’s simple to get three cards of the same rank in a single hand, either bankers or players. The payout for this side bet is 75:1 for the player and 68:1 for the Banker.
  • Perfect Pair - One of the most widespread side bets in baccarat is the perfect pair bet. This simply requires either the banker's or the player’s hand to be a pair. The payout for this side bet is 5:1. If the pair is of the same color, the payout is increased to 25:1.

Conclusion

Baccarat is a game based on luck, as it features comparing cards, in most cases two. The whole goal of the game is to get a card value as close to 9 as possible. So, any factor that can help players increase their chances of winning should be taken into account.

One of the easiest things to implement in a baccarat betting strategy is to take advantage of the odds system of the game. From today’s article, every player should know that the best bet in baccarat is the banker’s bet, with a house edge of just 1.06%. Statistics show that the bet wins 45.8% of the time, and has a payout of 19:20, due to the 5% commission charged from casinos.

Overall, the odds of winning baccarat feature using the banker bet, which has the highest probability of winning over the other two bets and has the lowest house edge.

FAQ

What are the odds in baccarat?

Baccarat odds indicate your chances of winning. The Banker bet wins approximately 45.8% of the time, offering a payout of 19:20. The Player’s bet has a win rate of about 44.6% with a 1:1 payout, while the remaining 9.6% is for the Tie bet, which pays out 8:1.

How do you play baccarat to your advantage using the odds?

Baccarat is largely a game of chance, so understanding and utilising the odds is vital. The Banker bet is statistically the most frequent winner and offers a very favourable payout rate. Therefore, it's highly recommended to leverage the good payout and low house edge associated with the Banker's bet.

What's the best strategy to win using baccarat odds?

In baccarat, the odds significantly influence a player's success. Your baccarat winning odds will determine your potential profits, so it's advisable to focus on the Banker bet. It boasts a high win rate of 45.8%, a 19:20 payout, and a remarkably low house edge of just 1.06%.

Why does the Banker bet have better odds in baccarat?

In baccarat, the Banker bet consistently has better winning odds due to the specific drawing rules. The Banker hand always acts last in baccarat, which gives it more favourable drawing opportunities. This results in a lower house edge and a higher win rate for the Banker.

Does baccarat offer the best odds among casino games?

Baccarat is renowned as one of the casino card games with the lowest house edge available. The Banker bet, which is the most advantageous option in the game, boasts a win rate of 45.8% compared to the Player’s and Tie bets. This translates to a very low house edge of just 1.06%. So, yes, baccarat indeed offers some of the best odds.

What is considered the best bet in baccarat?

The best bet in baccarat is unequivocally the Banker bet. It provides the lowest house edge, at just 1.06%, and also has the highest win rate among the three possible bets, standing at 45.8%. It's important to note that many casinos charge a 5% commission on winning Banker bets; without this commission, the payout for the Banker would effectively be 1:1.

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