Baccarat Golden Wealth

A baccarat game by Evolution Gaming

Five Golden Cards can multiply winning payouts, with a 20% fee added to every wager.

Par Tum

• Baccarat Golden Wealth
• Banker wins pay 1 to 1 before multipliers, but only 95% of the original Banker stake is returned.
• A 20% Golden fee is added to every wager, so a $10 bet costs $12. The fee is kept when a main bet ties.

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Player published RTP 98.85% Evolution's figure based on a maximum wager on an individual bet

Banker published RTP 98.69% Evolution's figure based on a maximum wager on an individual bet

Tie published RTP 93.36% Evolution's figure based on a maximum wager on an individual bet

Devriez-vous y jouer ?

Golden Wealth suits players who want five multiplier cards every round and accept a fee on every bet. Its top prize is a ceiling with a published chance of one in 452,656,878,803, not a reason to expect a large return.

Écoutez-le si

You want five selected Golden Cards each round
You understand that several matching multipliers combine by multiplication
You can budget for the extra 20% and read the table caps

Ne le lisez pas si

You want a fixed odds Tie wager
You treat the $500,000 headline as a likely payout
You want to know how often each multiplier appears

Profil de variance

FaibleMoyenHaut

Élevé. 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.

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.

Parier	Profit payout	Commission and settlement	Evolution's published RTP
Joueur	1 to 1, up to 512 to 1 with multipliers	Stake returned on a Tie; the fee is retained.	98.85%
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.	98.69%
Tie	Up to $500,000	Wins when the final totals are equal. The official schedule lists only this maximum. The top prize, matching all six cards on a Tie, has a published chance of one in 452,656,878,803.	93.36%
Player Pair	9 to 1, up to 576 to 1 with multipliers	The first two Player cards form a pair.	86%
Banker Pair	9 to 1, up to 576 to 1 with multipliers	The first two Banker cards form a pair.	86%

Additional fee: A 20% Golden fee is added to every wager, so a $10 bet costs $12. The fee is kept when a main bet ties.

Five Golden Cards are drawn from a virtual 52 card pack before each deal, each given a 2x, 3x, 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.

Evolution's 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.

Try it: place your chips

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 Golden fee of 20% is added to every bet.

Golden Cards Five cards a round, drawn from a virtual 52 card pack before the deal

A winning bet whose hand holds a matching card has its payout multiplied, and several matching cards multiply together. The Golden fee means a $10 bet takes $12 from your balance, and the $2 is kept even when a main bet ties.

Your bets

No chips yet. Place a chip on the layout and the math appears here.

Total stake: $0
Taken from your balance: $0 includes $0.00 fee

Your main bets by result, before multipliers

Banker wins45.86%$0.00
Player wins44.62%$0.00
Tie9.52%$0.00

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.

The official schedule lists the Golden Wealth Tie only as up to $500,000, so the results above leave its win unpriced.

Official rules: Evolution Golden Wealth Baccarat game rules, checked octobre 12, 2026. The rules at your casino may show different figures; its in game help is the version that applies to you.

Where to play Golden Wealth Baccarat

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How Golden Wealth Baccarat works

1 20% extra

Budget for the fee

A $10 wager needs $12 from your balance. The extra $2 is the Golden fee, and it is not returned on a tied main bet.

2 Five cards

Watch the Golden Cards

Before the deal, five cards from a virtual 52 card pack receive 2x, 3x, 5x or 8x multipliers. Several matching cards in one winning bet multiply together.

3 Winning bets only

Read the settlement

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.

Five Golden Cards, one added cost

Golden Wealth Baccarat selects five Golden Cards from a virtual 52 card pack before each deal. Each receives a 2x, 3x, 5x or 8x multiplier. 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.

A 20% Golden fee is added to every wager, so a $10 bet needs $12. On a tied main Player or Banker hand, the $10 stake returns but the $2 fee does not. A winning Banker bet returns only 95% of its original stake, separately from the multiplied winnings.

Read the whole payout schedule

The official schedule quotes Player and Banker from 1 to 1 up to 512 to 1, and each Pair bet from 9 to 1 up to 576 to 1. The Tie entry lists only a maximum of $500,000. The top prize, matching all six cards on a Tie, has a published chance of one in 452,656,878,803. The maximum payout for all your winnings in a single round is limited, so check the currency and cap in your casino’s game help.

Card values and automatic draws

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 published returns

Evolution’s official rules publish RTP of 98.85% for Player, 98.69% for Banker, 93.36% for Tie and 86% 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.

Caractéristiques techniques complètes du jeu

🃏 Baccarat specifications

Rule variant: Baccarat Golden Wealth
Ponts: 8
Banker commission: Banker wins pay 1 to 1 before multipliers, but only 95% of the original Banker stake is returned.
Tie handling: Main Player and Banker stakes are returned on a Tie, but their 20% fees are retained.
Scoring and automatic draws: Punto banco scoring: aces count as 1, 2 through 9 at face value, tens and face cards as zero. Keep the last digit of the total. An initial natural 8 or 9 stops both hands. Otherwise Player draws on 0 through 5. If Player stands without a natural, Banker draws on 0 through 5 and stands on 6 or 7. If Player draws, Banker draws on 0 through 2 against any card; on 3 except against 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% Golden fee is added to every wager, so a $10 bet costs $12. The fee is kept when a main bet ties.
Multiplier rules: Five Golden Cards are drawn from a virtual 52 card pack before each deal, each given a 2x, 3x, 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.
Format: Live dealer punto banco with five Golden Cards selected before each deal. Eight decks and automatic draws.

Baccarat Golden Wealth FAQ

What does the 20% fee mean in Golden Wealth Baccarat?

A $10 wager needs $12. The extra $2 is the Golden fee. It pays for the multiplier feature and is not returned when a main Player or Banker bet ties.

How do matching multipliers combine?

Five Golden Cards receive 2x, 3x, 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.

What happens to a winning Banker stake?

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.

Which bet has the highest published RTP?

Player, at 98.85%. Evolution publishes 98.69% for Banker, 93.36% for Tie and 86% for each Pair bet. These are Evolution’s figures, based on a maximum wager on an individual bet.

What does "based on a maximum wager" mean?

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.

How many decks are used, and can I choose a third card?

Eight decks. Fixed punto banco drawing rules decide every third card. You choose your wagers, not how either hand plays.

What does the Golden Wealth Tie bet pay?

Evolution’s official schedule lists it only as up to $500,000. The top prize, matching all six cards on a Tie, has a published chance of one in 452,656,878,803. Check your casino’s game help for the current schedule, cap and currency.

Does a betting system improve my return?

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.