Baccarat UK
Two hands, player and banker, are dealt to fixed rules.
- House edge1.06%
- RTP98.94%
- SkillNo
- Pace50/hr
By Ryan Jessop. Last checked .
Key takeaways
- House edge: about 1.06% on banker.
- Best bet: banker, every hand.
- Avoid: the tie.
- Skill involved: no.
AnswerTwo hands, player and banker, are dealt to fixed rules. You bet on which will finish closer to nine. The best bet is banker, every hand.
How baccarat works
- Bet on banker, player or tie.
- Two cards go to each hand.
- Totals count the last digit only.
- A third card is drawn by fixed rules.
- Closer to nine wins.
Bets and house edge
| Bet | Pays | House edge |
|---|---|---|
| Banker | 1 to 1, less 5% commission | About 1.06% |
| Player | 1 to 1 | About 1.24% |
| Tie | 8 to 1 | About 14% |
| Pair side bets | 11 to 1 | About 10% |
Best and worst bets
Best
Banker, every hand.
Avoid
The tie.
Variants
Punto banco is the version found online. No-commission baccarat pays banker in full and halves the payout on a winning banker six, leaving the edge slightly higher at about 1.46%. Squeeze and speed tables change the pace, not the maths.
More on baccarat
What an hour costs
| Stake | Rounds an hour | Staked | Average cost |
|---|---|---|---|
| £1 | About 50 | £50 | £0.53 |
| £2 | About 50 | £100 | £1.06 |
| £5 | About 50 | £250 | £2.65 |
At a house edge of 1.06%. A long-run average; any one hour can differ widely.
Three things to know
- Bet banker and ignore the scoreboard.
- Avoid the tie, however often it seems to appear.
- No-commission tables change one payout; the edge stays close.
Baccarat and bonuses
Typical contribution to bonus wagering: 0% to 20%. None of the five welcome offers we list is cleared on baccarat.
Where to play
All five are compared on where to play casino games.
All five, by report. Live dealer versions are covered on live casino.
| Casino | Games | Live studios | Games score |
|---|---|---|---|
| Casumo | 3,500+ games | Evolution, Pragmatic Play and Playtech, plus Casumo-branded tables | 9.0/10 |
| Coral | 2,000+ games (some reports put it far higher) | Evolution, Playtech and Pragmatic Play | 8.5/10 |
| Ladbrokes | 2,000+ games | Evolution, Playtech and Pragmatic Play; around 100 live tables reported | 8.5/10 |
| PlayOJO | 2,000+ games (reports range to 7,000 and above) | Evolution, with other studios reported | 8.5/10 |
| 10bet | 2,000+ games (reports range from 1,200) | Evolution and Pragmatic Play | 8.0/10 |
More games: Craps UK, Roulette UK, Sic Bo UK and Slingo UK.
Rankings, strategy and casinos: Best RTP slots UK, Cheapest casino games per hour, RTP explained, Roulette bets and odds and Ladbrokes Casino games review.
Go further: No commission baccarat UK, Blackjack vs roulette and How to play slots.
House edges and RTPs are standard published figures for common rules, and are long-run averages. Offer terms dated 5 October 2026. How we check. 18+. Free help: 0808 8020 133 or safer gambling.
Frequently asked questions
What is the house edge in baccarat?
About 1.06% on banker.
What is the best bet in baccarat?
Banker, every hand.
Is baccarat a game of skill?
No.
Can I use a bonus on baccarat?
Rarely; table and live games usually count little or nothing.