Free Baccarat Simulator

Variant Pair pays

Place your chips, then deal.

Total bet$0

House edge—

Expected loss—

Win chance—

Explain this hand

Recent

Educational simulation — fun credits only, no real money. The house edge is real: Banker 1.06%, Player 1.24%, and the tempting Tie a brutal 14.36%. The longer you play, the more the math wins.

Best bet · Banker 1.06% house edge · $1.06 lost per $100

Trap · Tie 14.36% that 8:1 payout hides a $14.36-per-$100 edge

Bet	Pays	Win chance	House edge	Loss / $100
Bankereven money, minus 5% commission	1:1 *	45.86%	1.06%	$1.06
Playereven money	1:1	44.62%	1.24%	$1.24
Player Pairfirst two Player cards match rank	11:1	7.47%	10.36%	$10.36
Banker Pairfirst two Banker cards match rank	11:1	7.47%	10.36%	$10.36
TiePlayer and Banker tie	8:1	9.52%	14.36%	$14.36

* The Banker bet wins slightly more often than Player, so the casino takes a 5% commission on Banker wins — that's what lands its edge at 1.06%, still the lowest on the table.

Banker across the three variants

Standard — 5% commission1.06%
No commission — Banker 6 pays ½1.46%
No commission — Banker 6 pushes4.15%

A "commission-free" table isn't a free lunch — it makes up the commission by shorting the Banker-6 win (and the push rule is actually worse than paying the 5%).

Pair side bets by payout

Pair pays 11:1 (common)10.36%
Pair pays 12:1 (rare)2.89%

At the usual 11:1 a Pair bet is one of the worst on the table; only the rare 12:1 table makes it close to reasonable.

Every figure is computed at build time by our baccarat analytic solver — the same engine that deals the cards in the Play tab. Win chance is the probability the bet pays; pushes (Ties for Banker/Player) are neither a win nor a loss.

Banker's first two cards total Player's third card

Pick a Banker total and the Player's third card to see the rule.

Banker ↓ / Player 3rd →	Player stood	0	1	2	3	4	5	6	7	8	9
0	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw
1	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw
2	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw
3	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Draw	Stand	Draw
4	Draw	Stand	Stand	Draw	Draw	Draw	Draw	Draw	Draw	Stand	Stand
5	Draw	Stand	Stand	Stand	Stand	Draw	Draw	Draw	Draw	Stand	Stand
6	Stand	Stand	Stand	Stand	Stand	Stand	Stand	Draw	Draw	Stand	Stand
7	Stand	Stand	Stand	Stand	Stand	Stand	Stand	Stand	Stand	Stand	Stand

Banker totals of 8 or 9 on the first two cards are a natural — the hand ends immediately, so they're not in the table. The Player draws on 0–5 and stands on 6–7.

Build your bet

Banker across the three variants

Pair side bets by payout