

Banker's 
Player's Third Card 

0 
1 
2 
3 
4 
5 
6 
7 
8 
9 

7 
S 
S 
S 
S 
S 
S 
S 
S 
S 
S 
6 
S 
S 
S 
S 
S 
S 
H 
H 
S 
S 
5 
S 
S 
S 
S 
H 
H 
H 
H 
S 
S 
4 
S 
S 
H 
H 
H 
H 
H 
H 
S 
S 
3 
H 
H 
H 
H 
H 
H 
H 
H 
S 
H 
2 
H 
H 
H 
H 
H 
H 
H 
H 
H 
H 
1 
H 
H 
H 
H 
H 
H 
H 
H 
H 
H 
0 
H 
H 
H 
H 
H 
H 
H 
H 
H 
H 
You may wonder how the dealer collects the 5% commission on winning banker bets. If they did so every hand it would involve a lot of change and slow down the game. To avoid this during the course of play the dealer will pay even money to winning banker bets and consider the 5% an IOU. As the dealer plays through an eight deck shoe he/she will keep track of the commissions every player owes. At the end of the shoe or when a player wants to leave midshoe the dealer will collect on the commissions. Make sure you don't run out of money with outstanding commissions.
Except for the tie bet, baccarat is one of the best bets in the casino. The following table shows the house edge on all available bets. Usually a tie will pay 8:1 but sometimes will pay 9:1.
Probabilities in 8deck Baccarat 

Bet 
Combinations 
Probability 
House 
Bank 
2,292,252,566,437,888 
45.86% 
1.06% 
Player 
2,230,518,282,592,256 
44.62% 
1.24% 
Tie 
475,627,426,473,216 
9.52% 
14.36% 
Note: If the tie bet pays 9:1 the house edge on that bet drops to 4.80%.
Real Time Gaming online casinos offer a sixdeck baccarat game, and Microgaming online casinos offer a single deck game. The fewer the decks the lower the house edge on the banker bet and the greater the house edge on the player and tie bets. The following tables show the specific numbers.
Probabilities in 6deck Baccarat 

Bet 
Combinations 
Probability 
House 
Bank 
403,095,751,234,560 
45.87% 
1.06% 
Player 
392,220,492,728,832 
44.63% 
1.24% 
Tie 
83,552,962,932,288 
9.51% 
14.44% 
Probabilities in 4deck Baccarat 

Bet 
Combinations 
Probability 
House 
Bank 
34,543,624,867,840 
45.88% 
1.05% 
Player 
33,608,344,225,792 
44.63% 
1.24% 
Tie 
7,145,601,996,928 
9.49% 
14.59% 
Probabilities in 1deck Baccarat 

Bet 
Combinations 
Probability 
House 
Bank 
6,737,232,640 
45.96% 
1.01% 
Player 
6,548,674,432 
44.68% 
1.29% 
Tie 
1,372,227,328 
9.36% 
15.75% 