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What Are Baccarat Bets And Side Bets Explained

Last updated:30.03.2026
Jacob Mitchell
Published by:Jacob Mitchell
What Are Baccarat Bets And Side Bets Explained image

This article will comprehensively define and explain the various wagers available in the Baccarat game. We begin by providing a foundational understanding of Understanding Baccarat Bets: Main and Side Bets, distinguishing between the core gameplay options and additional wagers. Following this, we delve into Main Baccarat Bets: Player, Banker, and Tie Explained, detailing their mechanics, payouts, and probabilities. Subsequently, we explore Popular Baccarat Side Bets: Rules, Payouts, and House Edge, offering a detailed look at common optional wagers. Finally, we conclude by Evaluating Baccarat Side Bets: Are They Worth It?, providing strategic insights for players.

Understanding Baccarat Bets: Main and Side Bets

Baccarat bets encompass both main wagers, which are fundamental to the game, and side bets, which offer additional, optional betting opportunities for players. The game of Baccarat is renowned for its simplicity, primarily offering three core betting options that form the backbone of gameplay. These are known as the main bets, and they are the most common choices for players. In contrast, side bets are supplementary wagers that players can choose to place alongside their main bets. These optional bets introduce an extra layer of excitement and variety to the game, often featuring significantly higher payouts. However, it is crucial for players to understand that side bets typically come with a much higher house edge, indicating a lower probability of winning compared to the main bets.

Main Baccarat Bets: Player, Banker, and Tie Explained

The three main baccarat bets are the Player, Banker, and Tie, each offering distinct probabilities, payouts, and house edges for bettors. Understanding these core wagers is essential for any player looking to engage with the game effectively, as they represent the primary ways to participate and potentially win. Each bet carries a different statistical advantage for the house and varying returns for the player.

Here is a breakdown of the main Baccarat bets:

Bet TypeDefinitionPayoutHouse Edge (approx.)Probability (approx.)
PlayerBet on the Player's hand winning (closer to 9)1:11.24%44.62%
BankerBet on the Banker's hand winning (closer to 9)1:1 (minus 5% commission)1.06%45.86%
TieBet on both hands having an equal value8:1 or 9:114.36% (for 8:1)9.52%

Betting on Player: When a player places a bet on the Player, they are wagering that the Player's hand will have a total value closer to nine than the Banker's hand. If the Player's hand wins, the payout is typically 1:1, meaning the player receives their original bet back plus an equal amount in winnings. The house edge for the Player bet is approximately 1.24%, making it a statistically sound choice, though slightly less favorable than the Banker bet.

Betting on Banker: Betting on the Banker is widely considered the best bet in Baccarat due to its lowest house edge. This wager predicts that the Banker's hand will win by having a value closer to nine. The Banker's hand has a slightly higher probability of winning because the Banker acts last, allowing for strategic draws based on the Player's hand. While the payout is 1:1, a 5% commission is typically deducted from winnings on Banker bets to maintain the casino's advantage. Even with this commission, the house edge remains the lowest at approximately 1.06%. This makes the Banker bet a cornerstone of many effective baccarat strategy approaches.

Betting on a Tie: The Tie bet is a wager that both the Player's and Banker's hands will end with the same total value. For example, if both hands score a six, the Tie bet wins. This bet offers a significantly higher payout, often 8:1 or 9:1, reflecting its low probability of occurring. The Tie bet in Baccarat should be avoided because it has a significantly higher house edge, typically ranging from 14% to 15%, and a very low probability of occurring, making it a poor long-term strategy despite its high payout. Despite the allure of large returns, the statistical odds are heavily against the player for this particular wager, making it a risky choice for sustained play.

Baccarat side bets are optional wagers that allow players to bet on specific outcomes beyond the main game, offering varied rules, payouts, and house edges. These additional bets can add an exciting dimension to online baccarat games, but they generally come with a higher risk due to their increased house advantage. Players should understand the mechanics and statistical implications of each side bet before placing their wagers.

Here is a detailed look at some popular Baccarat side bets:

Side Bet NameDefinition/RulesTypical PayoutHouse Edge (approx.)
Pair BetWager that the first two cards dealt to either the Player or Banker hand will form a pair. Can be Player Pair, Banker Pair, or Any Pair.11:110.36% (Player Pair), 11.25% (Banker Pair)
Dragon BonusBet on a specific hand winning by a certain point margin, or winning with a natural (8 or 9). Payouts scale with the margin of victory.Varies (e.g., 9 points = 30:1, 8 points = 10:1, 7 points = 6:1, 6 points = 4:1, 5 points = 2:1, 4 points = 1:1)2.65% (Player), 9.37% (Banker)
Bellagio MatchWager that a specific hand (Player or Banker) will achieve three of a kind.68:1 (Banker), 75:1 (Player)5.27% to 8.57%
Lucky BonusBet specifically on the Banker's hand winning with a total value of 6 points.18:12.34%
All Black/RedWager on whether a hand will consist entirely of black cards or entirely of red cards.All Black: 24:1, All Red: 22:1All Black: 6.53%, All Red: 14%
Big/SmallBet on the total number of cards dealt in the round. Small wins if 4 cards are dealt; Big wins if 5 or 6 cards are dealt.Varies4.35% (Small), 5.27% (Big)
Matching DragonWager on how many cards of a specific rank (e.g., all Kings) are dealt between the Player and Banker hands.Varies (e.g., 6 cards = 100:1, 5 cards = 60:1, 4 cards = 40:1, 3 cards = 20:1, 2 cards = 3:1, 1 card = 1:1)16.99%

These side bets offer diverse ways to bet, but their house edges are generally much higher than those of the main Player and Banker bets. For instance, the Matching Dragon bet can have a house edge as high as 16.99%, significantly increasing the risk for players. While the Lucky Bonus offers a relatively lower house edge for a side bet at 2.34%, it is still higher than the main Banker bet. The high payouts associated with these bets are a direct reflection of their low probability of occurring, making them less favorable for consistent wins.

Evaluating Baccarat Side Bets: Are They Worth It?

Baccarat side bets are generally not worth it for players seeking long-term profitability due to their significantly higher house edges and lower probabilities of winning. While side bets can add an element of excitement and offer the thrill of large payouts, their statistical disadvantage makes them a poor choice for a sustainable baccarat strategy.

Here are the pros and cons of Baccarat side bets:

Pros:

  • Increased Excitement: Side bets introduce more variety and potential for dramatic wins, enhancing the game's entertainment value.
  • High Payouts: Many side bets offer very attractive payouts, sometimes exceeding 100:1, which can be appealing to players looking for big wins.

Cons:

  • High House Edge: The most significant drawback is the substantially higher house edge compared to the main Player and Banker bets. This means the casino has a much greater statistical advantage over the player in the long run.
  • Low Probability of Winning: The attractive payouts are directly correlated with the low probability of these specific outcomes occurring. Players are much less likely to win side bets consistently.
  • Faster Bankroll Depletion: Due to the high house edge and low win rates, placing side bets frequently can lead to a quicker depletion of a player's bankroll.

Ultimately, while Baccarat side bets are not always a bad idea for players solely focused on entertainment and willing to accept higher risk, they are generally a bad idea for most players due to their high house edge and low probability of winning, making them unprofitable in the long run. The statistical odds are heavily stacked against the player for these wagers, making them unsuitable for those aiming for consistent profitability.

Types of Baccarat Bets

As already mentioned, there are three main types of bets in the game of baccarat; betting on the player’s hand to win, betting on the banker’s hand to win, or for a tie.

Each of the three main bets provides different payouts and house edges. The probability of each bet happening is different, so bettors should be well-informed about it.

Betting on Player

If the player placed a bet on the player, it basically means he placed a bet for his hand to be better than the banker’s hand. So, if the player’s hand value is closer to 9, the player’s hand will be the one who is winning.

The player’s bet is the second-best choice for baccarat, as it’s the opposite of the banker’s bet, which is the most preferred one.

Betting on the Banker

Betting on the Banker is always the best option, as the house edge is just 1.06% regardless of the number of decks played. The Banker’s bet is the most preferred bet in baccarat as the order of playing, in which the banker is always the last to take action, this hand is most likely to win.

It’s always a good idea for a player to include the banker’s bet in his strategy, but the 5% commission has to be taken into account.

Betting on a Tie

Betting on a tie has its advantages and disadvantages. The biggest problem with tie betting is that this option is very unlikely to happen, as both the banker’s and player’s hands have to be equally valued, for example, if both players get an equal score of 6.

But, due to the fact that Tie rarely happens, it has very good payouts that can be used for some players to benefit from.

Baccarat Side Bets Explained

Side Bets are some additional wagers that players can place during the game of Baccarat. There are simply dozens of side bets, but for the purposes of today’s guide, only the most popular and widespread ones will be in focus.

It is important for any player to know that side bets are considered very risky, so most players avoid placing them when playing online baccarat games.

Pair Bet

The pair bet is predicting if the two cards dealt will make a pair. The payout for a pair bet is 11:1, but the house edge comes at about 11%, depending on the online casino. A Pair Bet can be placed in either the banker’s hand, the player’s hand, or both.

All Black/ Red

The all black or red side bet is a wager on whether the hand will contain only black or red cards.

The all-black bet offers a 24:1 payout with a house edge of 6.53%, whereas the all-red bet has a slightly lower payout of 22:1, but the house edge is 14%.

Big/ Small

There are other side bets that can be seen in many online casinos, like Big and Small. The big and small bets are to bet on the total number of cards in play. This bet is strongly dependent on how the player’s hand is played. If, in the end, there are 4 cards on the table, the small bet wins, but if there are 5 or 6 cards, the big bet wins.

Bellagio Match

The Bellagio match is a side bet on whether the hand will get three of a kind. The Bellagio match has a payout of 68:1 for the banker’s hand, and 75:1 for the player’s hand. The house edge varies from 5.27% to 8.57%.

Dragon Bonus

It is about either hand winning with a natural hand with an exact point margin. The higher margin, the bigger payout:

  • 9 points - 30:1
  • 8 points = 10:1
  • 7 points = 6:1
  • 6 points = 4:1
  • 5 points = 2:1
  • 4 points = 1:1
  • 3 points or fewer = Loss.

The house edge for the dragon bonus is usually about 2.65% for the player’s hand, but it goes up to 9.37% for the banker’s hand.

Lucky Bonus

Lucky baccarat bonus bets are among the most exciting side options that the game offers. This is a wager for the banker's hand to win while being worth 6 points. The game has a great payout of 18:1, with a house edge of just 2.34%.

Matching Dragon

The Matching dragon is a wager about how many cards of a specific rank the banker and the player will be dealt. The matching dragon side bet has a house edge of $16.99 = %. Here are the payouts for the matching dragon side bets in baccarat:

  • 6 cards = 100:1 payout
  • 5 cards = 60:1
  • 4 cards = 40:1
  • 3 cards = 20:1
  • 2 cards = 3:1
  • 1 card = 1:1
  • No cards of a specific rank = Loss

Bets to Avoid

Side Bets alongside Tie Bet are not likely to happen often. So, for every player who is tempted to create a strategy, in which his chances of winning are as high as possible, side bets and tie bets have to be excluded.

Overall, betting on a tie and side bets in Baccarat is something that any player should avoid, in order to keep his chances of being profitable in the long term.

When to place side bets in Baccarat?

The baccarat side bets can work against the player in most cases, as they have a huge house edge, and the high payouts usually don’t cover the losses. But, if the player has a good side bets betting strategy, they can really bring some fascinating profits in the long term. Unfortunately, that requires a huge budget and a lot of patience.

Are Side Bets Worth it?

Even beginners are aware of the fact that most online casinos offer baccarat tables with side bets available, and these bets have to be avoided. The statistical odds of any side bet happening are so low that in the long term, it’s nearly impossible to come into profit.

Conclusion

Baccarat is a game that offers a range of different bets for players to choose from. The straightforward way to approach the game is by sticking to the main banker, player, and Tie bets. On the other hand, if the player is seeking more excitement, there are some baccarat side bets in addition to the main ones.

Side bets have higher payouts but are a lot riskier. So, it’s recommended to stick to the main three. The benefit of knowing both baccarat bets and baccarat side bets will give the player a clear vision of what odds he has to win and increase them.

FAQ

FAQ: Why should I avoid the Tie bet in Baccarat?

The Tie bet in Baccarat should be avoided because it has a significantly higher house edge and a very low probability of occurring, making it a poor long-term strategy despite its high payout. While the Tie bet offers attractive payouts, often 8:1 or 9:1, its house edge can range from 14% to 15%, which is substantially higher than the Player or Banker bets. This means that, statistically, players are much less likely to win this bet, and it will deplete their bankroll faster over time, making it an unfavorable option for strategic play.

FAQ: Are Baccarat side bets always a bad idea?

Baccarat side bets are generally a bad idea for most players due to their high house edge and low probability of winning, making them unprofitable in the long run. While they add excitement and offer large payouts, the statistical disadvantage for the player is considerable. For those focused on maximizing their chances of profitability, sticking to the main Banker or Player bets is a more prudent approach. However, for players prioritizing entertainment and willing to accept higher risk for the chance of a large, infrequent payout, side bets can add an extra thrill.

FAQ: What is the house edge for main Baccarat bets?

The house edge for main Baccarat bets varies, with the Banker bet typically around 1.06%, the Player bet around 1.24%, and the Tie bet significantly higher, often ranging from 14% to 15%. These figures represent the casino's statistical advantage over the player for each specific wager. The Banker bet's house edge includes a 5% commission on wins, which is factored into its overall lower percentage, making it the most favorable main bet from a statistical perspective.

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