Baccarat (Punto Banco) is one of the simplest casino table games — ideal for mobile: two main bets (Player, Banker) and an occasional Tie. This guide gives transparent odds, practical GCC tips, and a compact payout calculator that accounts for banker commission.
Quick rules (Punto Banco)
- Player & Banker each receive two cards; third card rules are automatic — you do not decide.
- Card values: A=1, 2–9 face value, 10/J/Q/K = 0. Hands total modulo 10 (e.g., 7+8 = 5).
- Bet on Player, Banker, or Tie. Banker wins usually pay 95% after 5% commission (varies).
Odds & house edge (typical values)
| Bet | Typical payout | Approx. win chance | House edge |
|---|---|---|---|
| Banker | 1:1 (minus 5% commission) | ~45.86% | ~1.06% |
| Player | 1:1 | ~44.62% | ~1.24% |
| Tie | 8:1 or 9:1 (site-dependent) | ~9.52% | ~14.36% (if 8:1 payout) |
Notes: odds are approximate for a conventional 8-deck shoe and standard drawing rules. Commission on Banker is typically 5% (some sites use lower effective commissions).
Simple, practical strategy (bankroll-first)
- Banker is the safest long-run bet (smallest house edge). For steady play prefer Banker with consistent stakes.
- Avoid Tie unless you’re targeting high volatility (Tie has poor EV despite big payout).
- Short mobile sessions: set time and stake caps; prefer flat bets over progressions.
Mobile payout calculator — quick
This calculator is illustrative — always verify table payout rules on the site.
Why these numbers matter
Small differences in house edge compound over many rounds. The Banker bet’s slightly better edge makes it the sensible default for players aiming to preserve bankroll during mobile sessions.
FAQ
Why does Banker pay commission?
Because Banker has a slightly higher raw chance to win; commission balances the payout so the game stays fair to the house.
Is Tie ever a good bet?
Statistically no for long-term EV — it’s a high-variance shot. Only use small stakes if you enjoy big swings.
Do decks affect odds?
Yes, deck count and rule variants slightly change odds; figures above assume a standard multi-deck shoe (commonly 6–8 decks).