Banker or player bet – Understanding the odds in online baccarat


Players bet on either hand to win or bet that it will be a tie. Understanding the odds for betting on the player or banker is key to playing baccarat strategically. While the game relies heavily on chance, knowing the probabilities for each bet gives you an edge.

Banker bet odds

  1. The banker bet statistically has a slight edge over the player bet. The banker hand will win around 45.85% of decisions, while the player hand will win around 44.62%. Ties make up the remaining 9.53%. If you continuously bet on the banker, you will win more often in the long run.
  2. Banker bets pay 95% on wins. If you bet $100, you will collect $95 on wins and lose your full bet on losses. The house edge is derived from this 5% commission on wins.
  3. The banker bet has a house edge of roughly 1.06%. So for every $100 wagered to the banker, the house expects to earn $1.06.

While the banker bet is the recommended strategy, avoid betting on it repeatedly. Use it for 7-8 decisions then switch to player to mix things up. The pattern of bankers and players is random, so streaks happen.

Player bet odds

Betting on the player’s hand is almost an even money bet. The payout is 1:1 with no commission, unlike the banker bet. The player bet wins 44.62% of decisions.

  • With no house commission, the player’s bet odds are better than the banker’s. The house edge is 1.24% on the player bet.
  • However, you will still be winless over time betting on a player’s hands compared to a banker’s hands.
  • Feel free to bet on players more often to offset losses from the 5% commission on winning banker bets.

The dealer hand you bet on does not affect the dealing of the cards. Each hand is dealt independently according to set rules for drawing a third card. Neither your decisions nor the dealer’s impact the outcome.

Tie bet odds

A tie between the banker and the player happens 9.53% of the time. The payout for a winning tie bet is 8:1 at most online casinos. This bet may seem tempting with the high payout, but the house edge on tie bets is a massive 14.36%. Betting on ties very often due to the high house advantage. Understanding the mathematical probabilities for banker, player, and tie bets will help you make informed wagers when you play sexybaccarat online. Use the odds to guide your betting strategy, but also keep in mind the element of chance in every hand. Baccarat is a fun, fast-paced game to enjoy alongside implementing a practical betting approach based on the odds and house edge.