Baccarat by Playtech Review - Strategy & How to Play

Vale la pena giocarci?

A plain baccarat table for players who want the standard paytable. Banker returns the most at 98.94%, so the main decision is whether to add any of the side bets, which all return less.

Giocaci se

You want ordinary Banker, Player and Tie settlement
You are happy paying the 5% commission for the highest return on the table
You like side bets such as pairs, Big and Small early in the shoe

Salta questo passaggio se

You want a table without a Banker commission
You want multipliers or a bonus feature
You mainly play side bets late in the shoe, after they close

Profilo di varianza

BassoMedioAlto

Basso. Banker and Player settle near even money and push on a Tie, so results move in small steps. Tie at 8 to 1 and Specific Tie at up to 220 to 1 swing far more.

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.

Scommessa	Profit payout	Commission and settlement	Playtech's published RTP
Banker	0.95:1	5% on winning Banker bets Wins when Banker is closer to 9. Stake returned on a Tie.	98.94%
Giocatore	1:1	Wins when Player is closer to 9. Stake returned on a Tie.	98.76%
Tie	8:1	Wins when both hands finish on the same total.	85.64%
Player Pair	11:1	Player's first two cards are a pair.	89.64%
Banker Pair	11:1	Banker's first two cards are a pair.	89.64%
Coppia perfetta	25:1	Player's or Banker's first two cards are a same suit pair.	86.97%
Either Pair	5:1	Player's or Banker's first two cards are a pair.	86.29%
Big	0.54:1	Five or six cards are dealt in the round.	95.65%
Small	1.5:1	Four cards are dealt in the round.	94.72%

Additional fee: Nessuno

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 Playtech's published figures from the game rules, which give both the payout schedules and the published returns.

Playtech's published returns

These are Playtech's published RTP figures from the game rules. 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.

Scommessa	Pagamenti	Published RTP	Vantaggio della casa
Banker	0.95:1	98.94%	1.06%
Giocatore	1:1	98.76%	1.24%
Tie	8:1	85.64%	14.36%
Player Pair	11:1	89.64%	10.36%
Banker Pair	11:1	89.64%	10.36%
Coppia perfetta	25:1	86.97%	13.03%
Either Pair	5:1	86.29%	13.71%
Big	0.54:1	95.65%	4.35%
Small	1.5:1	94.72%	5.28%

Specific Tie has no published RTP, so it is not listed here.

The rules at your casino may show different figures; its in game help is the version that applies to you.

Is there a Baccarat strategy?

Not one that beats the house edge. The draws are fixed, so your only choices are the bet and the stake, and every bet returns less than 100%. Banker returns the most, at 98.94%.

Banker is the best bet even after commission

Banker pays 0.95 to 1 and still returns 98.94%, against 98.76% on Player at 1 to 1. Paying the 5% commission is the cheaper way to play.

Tie and the side bets cost much more

Tie returns 85.64% at 8 to 1. The pair bets return 86.29% to 89.64%, and Big and Small 94.72% to 95.65%. Specific Tie has no published RTP at all.

What you can control

What each bet returns

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

Banker98.94%
Giocatore98.76%
Big95.65%
Small94.72%
Player Pair and Banker Pair89.64%
Coppia perfetta86.97%
Either Pair86.29%
Tie85.64%

A main bet needs no side bet

Side bets can be placed with or without a Player or Banker bet. Keeping to Banker or Player keeps you on the two highest returns at the table.

Side bets close after two decks

Pairs, Big, Small and Specific Tie close once two decks have been dealt from the shoe, so they are only on offer early in each shoe.

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.

How Playtech Baccarat works

1 Banker, Player or Tie

Fai la tua scommessa

Bet on Banker, Player or Tie before the timer runs out. Side bets can be placed with a main bet or on their own.

2 Otto ponti

Watch the fixed draws

The dealer gives each hand two cards face up, and the draw table decides any third card. A two card 8 or 9 on either hand ends the round.

3 Banker 0.95 to 1

Read the settlement

Player pays 1 to 1, Banker 0.95 to 1 and Tie 8 to 1. On a Tie, Player and Banker bets are returned.

How the classic table pays

Playtech deals this game from an eight deck shoe, and the shoe is replaced once the eight decks are played out. Player pays 1 to 1. Banker pays 0.95 to 1, which is a 5% commission on the win. Tie pays 8 to 1, and when the hands tie, Player and Banker bets are returned.

The game has one betting position that any number of players can join, and it can also be run as a seven seat table. Playtech offers it at several tables, including Grand Baccarat, Jade Baccarat, VIP Baccarat and Live Baccarat tables for New Jersey, Pennsylvania and West Virginia. The figures on this page are from the rules of the main Baccarat table, and the in game help at each table is the version that applies.

Card values and automatic draws

Aces count as 1, cards 2 through 9 at face value, and tens and face cards as zero. Keep the last digit of the total, so a 7 and a 6 count as 3. A two card 8 or 9 on either hand ends the round. Otherwise Player draws on 0 through 5 and stands on 6 or 7. If Player stands, Banker draws on 0 through 5. If Player draws, Banker follows 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

Side bets, including Specific Tie

Player Pair and Banker Pair pay 11 to 1 when that hand’s first two cards are a pair. Either Pair pays 5 to 1 if either hand starts with a pair, and Perfect Pair pays 25 to 1 when Player’s or Banker’s first two cards are a same suit pair. Big pays 0.54 to 1 when five or six cards are dealt in the round, and Small pays 1.5 to 1 when only four are.

Specific Tie bets name the total of the tie. A tie on 0 pays 150 to 1, on 1 pays 215 to 1, on 2 pays 220 to 1, on 3 pays 200 to 1, on 4 pays 120 to 1, on 5 pays 110 to 1, on 6 or 7 pays 45 to 1 and on 8 or 9 pays 80 to 1. The rules do not publish an RTP for these bets. All side bets close once two decks have been dealt from the shoe.

Specifiche complete del gioco

🃏 Baccarat specifications

Rule variant: Classic baccarat with a Banker commission
Ponti: 8
Banker commission: Banker wins pay 0.95 to 1, a 5% commission on the win.
Tie handling: Player and Banker bets are returned on a Tie. Tie pays 8 to 1.
Scoring and automatic draws: Aces count as 1, cards 2 through 9 at face value, and tens and face cards as zero. Keep the last digit of the total. A two card 8 or 9 on either hand ends the round. Otherwise Player draws on 0 through 5 and stands on 6 or 7. If Player stands, Banker draws on 0 through 5. 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: Nessuno
Formato: Live dealer baccarat from an eight deck shoe, one betting position for any number of players. Side bets close once two decks have been dealt.

Baccarat FAQ

What is the RTP of Playtech Baccarat?

Playtech’s rules publish 98.94% for Banker, 98.76% for Player and 85.64% for Tie. The side bets return between 86.29% (Either Pair) and 95.65% (Big).

How much commission does Banker pay?

A winning Banker bet pays 0.95 to 1, which is a 5% commission on the win. Banker still has the highest published return, 98.94%.

What happens to my bet on a Tie?

Player and Banker bets are returned, and a Tie bet pays 8 to 1.

When do the side bets close?

Side bets close once two decks have been dealt from the eight deck shoe.

What does Specific Tie pay?

It depends on the tied total: from 45 to 1 on a tie on 6 or 7 up to 220 to 1 on a tie on 2. The rules do not publish an RTP for Specific Tie.

Which Playtech tables play these rules?

The classic game runs at tables including Grand, Jade and VIP Baccarat and the New Jersey, Pennsylvania and West Virginia tables. This page uses the main Baccarat table’s rules, so check the in game help at each table.