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Bonus anfordernA baccarat game by Evolution Gaming
One to five Lightning Cards can multiply winning payouts, with a 20% fee added to every wager.
Lightning Baccarat suits players who want card matching multipliers and accept the added fee. Choose it for the feature, not as a cheaper version of ordinary baccarat.
Hoch. Winning rounds without a matching card pay the regular rate, while the 20% fee applies to every wager. The rest of the return comes from multiplied wins, so results swing more than at a table without multipliers.
Payouts below describe winning profit. A winning bet normally also returns its stake, with exceptions shown in the settlement column. Commission and additional fees must also be accounted for.
| Wette | Profit payout | Commission and settlement | Evolution's published RTP |
|---|---|---|---|
| Spieler | 1 to 1, up to 512 to 1 with multipliers | Stake returned on a Tie; the fee is retained. | 98.76% |
| Banker | 1 to 1, up to 512 to 1 with multipliers | Only 95% of the original Banker stake is returned on a win, separately from the winnings. Stake returned on a Tie; the fee is retained. | 98.59% |
| Tie | 5 to 1, up to 1,310,720 to 1 with multipliers | Wins when the final totals are equal. The maximum payout for all your winnings in a round is limited. | 94.51% |
| Player Pair | 9 to 1, up to 576 to 1 with multipliers | The first two Player cards form a pair. | 88.35% |
| Banker Pair | 9 to 1, up to 576 to 1 with multipliers | The first two Banker cards form a pair. | 88.35% |
Additional fee: A 20% Lightning fee is added to every wager, so a $10 bet costs $12. The fee is kept when a main bet ties.
One to five Lightning Cards are drawn from a virtual 52 card pack before each deal, each given a 2x, 3x, 4x, 5x or 8x multiplier. Matching multipliers in a winning bet are multiplied together. A winning bet without a matching card pays the regular rate. The rules do not publish how often each multiplier appears.
A larger payout is not a better return by itself. The cost depends on how often that bet wins and on every commission, reduced payout and fee that applies.
RTP figures are Evolution's published figures, based on a maximum wager on an individual bet. The official rules give both the payout schedules and the published returns.
These are Evolution's published RTP figures from the official rules document, based on a maximum wager on an individual bet. RTP is a long run return figure, not the chance of winning a round or a forecast for your session.
Tap a betting spot to place a chip, and tap again to add more. Each bet you place lights up with its payout, chance of winning and Evolution's published RTP. The Lightning fee of 20% is added to every bet.
A winning bet whose hand holds a matching card has its payout multiplied, and several matching cards multiply together. The Lightning fee means a $10 bet takes $12 from your balance, and the $2 is kept even when a main bet ties.
No chips yet. Place a chip on the layout and the math appears here.
| Wette | Bezahlt | Wins | Stake | Evolution RTP | Remove |
|---|
Place a chip on Banker, Player or Tie to see what each result pays you.
Side bets settle on their own cards, so they are priced in your bets list but left out of the results above.
Win chances come from the standard eight deck deal, which the multipliers do not change. The rules do not publish how often each multiplier appears, and the maximum payout for all your winnings in a round is limited. Check the current table's limits, currency and caps.
Official rules: Evolution Lightning Baccarat game rules, checked Oktober 12, 2026. The rules at your casino may show different figures; its in game help is the version that applies to you.
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Bonus anfordernA $10 wager needs $12 from your balance. The extra $2 is the Lightning fee, and it is not returned on a tied main bet.
Before the deal, one to five cards from a virtual 52 card pack receive 2x, 3x, 4x, 5x or 8x multipliers. Several matching cards in one winning bet multiply together.
A winning bet holding a matching card has its payout multiplied. A winning Banker bet returns only 95% of its original stake, separately from the winnings.
Lightning Baccarat adds a 20% Lightning fee to each wager, so a $10 bet needs $12 from your balance. When a main Player or Banker bet pushes on a Tie, its $10 stake is returned but the $2 fee is not.
After bets are accepted, one to five Lightning Cards are drawn from a virtual 52 card pack and given 2x, 3x, 4x, 5x or 8x multipliers. If your bet wins and its hand holds a matching card, the payout is multiplied. Several matching cards in the same winning bet multiply together rather than add. A winning bet with no matching card pays the regular rate. The live cards come from an eight deck shoe.
The official schedule quotes Player and Banker from 1 to 1 up to 512 to 1, Tie from 5 to 1 up to 1,310,720 to 1, and each Pair bet from 9 to 1 up to 576 to 1. A winning Banker bet returns only 95% of its original stake, separately from the winnings. The maximum payout for all your winnings in a single round is limited, so check the cap in your casino’s game help.
Aces count as 1, cards 2 through 9 have their face value, and tens and face cards count as zero. Keep the last digit of the total: a 7 and an 8 count as 5. Suits do not change the main hand total.
Each hand starts with two cards. An initial 8 or 9 is a natural and stops drawing for both hands. A natural 9 beats a natural 8, and equal totals tie. Without a natural, Player draws on 0 through 5 and stands on 6 or 7. If Player stands, Banker draws on 0 through 5 and stands on 6 or 7. If Player draws, use this table.
| Banker total | Draw when Player’s third card is |
|---|---|
| 0, 1 or 2 | Any card |
| 3 | Any card except 8 |
| 4 | 2 through 7 |
| 5 | 4 through 7 |
| 6 | 6 or 7 |
| 7 | No draw |
Evolution’s official rules publish RTP of 98.76% for Player, 98.59% for Banker, 94.51% for Tie and 88.35% for each Pair bet. Evolution bases these figures on a maximum wager on an individual bet. They are the provider’s published figures, not independently calculated ones. RTP describes a long run return, not the chance of winning a round, and it does not predict your session. The rules do not publish how often each multiplier appears.
Pick a wager size and a session budget before you join. Following the results board cannot make a multiplier match, and raising the next stake to recover a fee only adds to it.
A $10 wager needs $12. The extra $2 is the Lightning fee. It pays for the multiplier feature and is not returned when a main Player or Banker bet ties.
One to five Lightning Cards receive 2x, 3x, 4x, 5x or 8x multipliers before the deal. If a winning bet holds more than one matching card, the multipliers are multiplied together, not added. They do not change the draw rules.
The official rules return only 95% of the original Banker stake on a win, separately from the winnings. On a Tie, the Banker stake is returned but the fee is kept.
Player, at 98.76%. Evolution publishes 98.59% for Banker, 94.51% for Tie and 88.35% for each Pair bet. These are Evolution’s figures, based on a maximum wager on an individual bet.
It is the basis Evolution states for its published RTP figures. The rules also limit the maximum payout for all your winnings in a round, so check your casino’s bet limit table for the current caps and currency.
Eight decks. Fixed punto banco drawing rules decide every third card. You choose your wagers, not how either hand plays.
No. Changing the stake does not change the winning conditions, payouts or fee. It can enlarge a losing run, so set a session budget and stop point before playing.
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