Prosperity Tree Baccarat

A baccarat game by Evolution Gaming

Eight Prosperity cards fall from a golden tree every round, each worth 2x or 3x. Win with one in your hand and your payout is multiplied. Every bet carries a 20% fee.

Tum By Tum
  • • Prosperity Tree Baccarat
  • • Banker wins pay 1 to 1 before multipliers, but only 95% of the Banker bet is returned.
  • • A 20% fee is added to every bet, so a 5 bet costs 6. The fee is kept when a main bet ties.
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Player published RTP 98.89% Evolution's figure from the game rules
Banker published RTP 98.74% Evolution's figure from the game rules
Tie published RTP 92.78% Evolution's figure from the game rules

Should you play it?

Prosperity Tree Baccarat trades a 20% fee on every bet for small but frequent multipliers. Player is the bet to make: Evolution puts it at 98.89%, Banker at 98.74%, and the Tie and Pair bets below 93%. At regular payouts alone Player would give back only 82.30% of what you pay, so about a sixth of its return arrives through multiplied wins.

Play it if

  • You want baccarat with a multiplier on many winning hands
  • You stick to Player or Banker, both above 98.7%
  • You can budget for the extra 20% on every bet

Variance profile

Medium. Player and Banker still win close to half the time, and the multipliers are small: 2x or 3x per card, 27 to 1 at most. But the fee is charged every round, and a sixth of the return waits on hands that hold a Prosperity card, so results swing more than at a table without multipliers.

How bets settle

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.

BetProfit payoutCommission and settlementEvolution's published RTP
Player 1 to 1, up to 27 to 1 with multipliers Stake returned on top of the winnings. On a Tie the stake is returned and the fee kept. 98.89%
Banker 1 to 1, up to 27 to 1 with multipliers Only 95% of the Banker bet is returned on a win, on top of the winnings. On a Tie the stake is returned and the fee kept. 98.74%
Tie 5 to 1, up to $500,000 Wins when the final totals are equal. The top prize needs all six cards to match Prosperity cards. 92.78%
Player Pair 10 to 1, up to 90 to 1 with multipliers The first two Player cards form a pair. 92.53%
Banker Pair 10 to 1, up to 90 to 1 with multipliers The first two Banker cards form a pair. 92.53%

Additional fee: A 20% fee is added to every bet, so a 5 bet costs 6. The fee is kept when a main bet ties.

Eight Prosperity cards are drawn from a virtual 52 card pack before each deal, each given a 2x or 3x multiplier. A winning bet whose hand holds a matching card has its payout multiplied; two or more matching cards multiply together. A winning bet without a matching card pays the regular rate.

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 from the game rules, which give both the payout schedules and the published returns.

Evolution's published returns

Evolution bases these figures on a maximum bet placed on an individual bet spot. RTP is a long run return figure, not the chance of winning a round or a forecast for your session. The house edge is what is left: 100% minus the RTP.

BetPaysPublished RTPHouse edge
Player1 to 1, up to 27 to 1 with multipliers98.89%1.11%
Banker1 to 1, up to 27 to 1 with multipliers98.74%1.26%
Tie5 to 1, up to $500,00092.78%7.22%
Player Pair10 to 1, up to 90 to 1 with multipliers92.53%7.47%
Banker Pair10 to 1, up to 90 to 1 with multipliers92.53%7.47%

Official rules: Evolution Prosperity Tree Baccarat game rules, checked October 30, 2026. The rules at your casino may show different figures; its in game help is the version that applies to you.

Is there a Prosperity Tree Baccarat strategy?

Not one that beats the house edge. The draws are fixed and the Prosperity cards are random, so the only choice that matters is the bet. Player returns the most, 98.89%, with Banker close behind at 98.74%.

Prosperity cards are drawn at random

Eight new cards and their multipliers are revealed after betting closes, every round. You cannot aim for them, and the gold circles on the Big Road do not make the next match more likely.

Side bets cost several times more

The Tie costs 7.22% of what you pay and each Pair 7.47%, against 1.11% for Player. Adding one next to your main bet raises the cost of every round.

Do not cover both sides

$10 on Player and $10 on Banker costs $24. Unless the hands tie, one wins and you get $19.50 or $20 back, more only if the winning hand holds a Prosperity card. It protects nothing and pays the fee twice.

What you can control

What each bet returns

Evolution's published RTP, best first. A shorter bar gives back more.

  1. Player98.89%
  2. Banker98.74%
  3. Tie92.78%
  4. Player Pair and Banker Pair92.53%

Your stake per round

Count the fee: $10 in chips costs $12. Set your budget on what you pay, not on the chips.

How long you play

At 98.89%, $100 in Player bets costs $120 and gives back $118.67 on average over time. More rounds an hour means more money through the fee.

Play for fun, with money you can afford to lose. Set a time and money limit before you start and keep to it. If gambling stops being fun or you feel the urge to chase losses, take a break and get support: see our problem gambling help page.

Where to play Prosperity Tree Baccarat

Showing casinos that carry Evolution Gaming live tables and accept players in your region.

How Prosperity Tree Baccarat works

Prosperity Tree Baccarat is Evolution's live baccarat with a multiplier feature. Before each deal, golden leaves fall from a tree to reveal eight Prosperity cards, each with a 2x or 3x multiplier. The cards come from an eight deck shoe and follow the usual automatic draws, and a winning hand that holds Prosperity cards pays more.

1 20% fee

Bet and pay the fee

Bet on Player, Banker, Tie or a Pair before betting closes. A 20% fee is added to each bet, so a 5 bet costs 6 in total.

2 8 cards

The Prosperity Round

Golden leaves fall from the tree to reveal eight Prosperity cards from a virtual 52 card pack, each with a 2x or 3x multiplier for this round.

3 Up to 27 to 1

The deal

Player and Banker get two or three cards by the fixed draw rules. A winning bet whose hand holds Prosperity cards has its payout multiplied.

How a round runs

You bet while the timer runs, or while the traffic light on screen is green and then yellow. When betting closes, the Prosperity Round starts: golden leaves fall from the tree and reveal eight Prosperity cards, each with its multiplier. The dealer then deals two cards each to Player and Banker, and a third card where the draw rules call for one. When a dealt card matches a Prosperity card, it is highlighted on screen. You make no decisions once the cards are out.

What the 20% fee costs

Evolution’s rules give the example: if your bet is 5, the fee is 1 and your total bet is 6. The screen shows that total. Say you put $10 on Player, which costs $12. If Player wins at the regular 1 to 1, you get $20 back, $8 ahead of what you paid. If the round ties, your $10 comes back but the $2 fee does not.

How the Prosperity cards pay

The eight Prosperity cards are drawn from a virtual 52 card pack, so each is one particular card, and any card dealt from the shoe has an 8 in 52 chance, about 1 in 6.5, of matching one of them. A match only pays if your bet wins. Say you have $10 on Player and the Player hand wins holding a Prosperity card marked 3x: the 1 to 1 becomes 3 to 1, and you get $30 plus your $10 back. If the winning hand holds two Prosperity cards, their multipliers multiply each other, so 2x and 3x make 6 to 1. A Player or Banker hand has at most three cards, which is why the top main bet payout is 27 to 1, three 3x cards. A winning hand with no Prosperity card pays the regular rate, and Prosperity cards in the losing hand pay nothing.

The Pair bets work the same way from a base of 10 to 1, up to 90 to 1. The Tie pays 5 to 1, and its top prize needs all six cards on the table to match Prosperity cards. Evolution puts that at one in 25,000,000,000 and caps it at $500,000.

Card values

Aces count 1, cards 2 through 9 count their face value, and tens and face cards count zero. Drop the tens digit of a total: Evolution’s examples are a 7 and a 9, worth 6, and a face card plus a 9, worth 9. Suits never change a hand total; they only matter for matching a Prosperity card.

What to watch for

The Big Road on screen circles in gold every result a Prosperity multiplier touched, which shows how often they land but cannot predict the next round. The total you can win in one round is capped, and the cap is in the Bet Limits panel at your table.

Full game specifications

🃏 Baccarat specifications

Rule variant
Prosperity Tree Baccarat
Decks
8
Banker commission
Banker wins pay 1 to 1 before multipliers, but only 95% of the Banker bet is returned.
Tie handling
Player and Banker bets push on a Tie and the stakes are returned, but their 20% fees are kept.
Scoring and automatic draws
Aces count 1, 2 through 9 at face value, tens and face cards as zero. Drop the tens digit of the total. An initial natural 8 or 9 stops both hands. Otherwise 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. If Player draws, Banker draws on 0 through 2 against any card; on 3 except against an 8; on 4 against 2 through 7; on 5 against 4 through 7; on 6 against 6 or 7. Banker stands on 7.
Additional fee
A 20% fee is added to every bet, so a 5 bet costs 6. The fee is kept when a main bet ties.
Multiplier rules
Eight Prosperity cards are drawn from a virtual 52 card pack before each deal, each given a 2x or 3x multiplier. A winning bet whose hand holds a matching card has its payout multiplied; two or more matching cards multiply together. A winning bet without a matching card pays the regular rate.
Format
Live dealer baccarat with eight Prosperity cards revealed before each deal. Eight decks and automatic draws.

Prosperity Tree Baccarat FAQ

What happens to a winning Banker bet?

Evolution’s rules return 95% of your Banker bet when Banker wins, on top of the winnings. A winning $10 Banker bet with no Prosperity card returns $19.50: $10 in winnings plus $9.50 of your stake. With a 3x Prosperity card in the Banker hand, it returns $39.50.

Do Prosperity cards change how the cards are drawn?

No. They are revealed before the deal and only change what a winning bet pays. Player and Banker still draw by the same fixed table every round.

Is the fee returned on a tie?

No. When the hands tie, Player and Banker bets push and the stakes come back, but the fee on those bets is kept. A winning Tie bet returns its stake on top of the winnings.

Is there a version I can play at my own pace?

Yes. First Person Prosperity Tree Baccarat is an RNG version with eight Prosperity cards every round. You start each round with the Deal button, and its GO LIVE button takes you to the live dealer table.

What happens if I lose my connection mid round?

Your bets stay valid and are settled without you, and the result shows in your History window when you return. If a game error cannot be fixed at once, the round is cancelled and bets are refunded.

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