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A baccarat game by Gold Tier Games
Standard eight deck baccarat at a quicker pace, with Banker at 19 to 20 after a 5% commission and six optional side bets.
By Tum
- • Standard punto banco at a faster pace
- • Banker pays 19 to 20 in profit after a 5% commission on winning profit.
- • No additional wager surcharge.
Play at Bovada · 4.5/5
18+ · T&Cs apply · Play responsibly
Banker house edge
1.06%
Calculated from the cited complete rules
Player house edge
1.24%
Calculated from the cited complete rules
Tie house edge
14.36%
Calculated from the cited complete rules
Should you play it?
A fair, ordinary baccarat table that simply moves faster. Banker is the cheapest bet at a 1.06% house edge, Player costs 1.24%, and every side bet costs more; the speed raises what an hour costs, not the odds.
Play it if
- You want ordinary Banker, Player and Tie settlement at a brisk pace
- You play at Bovada, Ignition or their sister casinos
- You can keep a firm limit on rounds
Skip it if
- You expect a faster table to change the odds
- You would add a side bet just because its top payout looks large
- You want a table without a Banker commission
Variance profile
LowMediumHigh
Low. The main bets have the ordinary baccarat result structure. Bonus and Twin Hit bets swing more and cost more, and quicker rounds put more money in play each hour.
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.
| Bet | Profit payout | Commission and settlement | House edge |
|---|---|---|---|
| Banker | 19 to 20 after commission | 5% of winning profit. Push on a Tie. | 1.06% |
| Player | 1 to 1 | Push on a Tie. | 1.24% |
| Tie | 8 to 1 | 14.36% | |
| Player Pair | 11 to 1 | 10.36% | |
| Banker Pair | 11 to 1 | 10.36% | |
| Either Pair | 5 to 1 | 13.71% | |
| Twin Hit | 25 to 1 for exactly one hand; 200 to 1 for both | 8.05% | |
| Player Bonus | Natural win 1 to 1; non natural margins 4, 5, 6, 7, 8, 9 pay 1, 2, 4, 6, 10, 30 to 1 | Push only on a natural tie. | 2.65% |
| Banker Bonus | Natural win 1 to 1; non natural margins 4, 5, 6, 7, 8, 9 pay 1, 2, 4, 6, 10, 30 to 1 | Push only on a natural tie. | 9.37% |
Additional fee: No additional wager surcharge.
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.
The math behind Speed Baccarat
These figures are exact: we count every possible deal from a fresh eight deck shoe without replacing cards, then apply this table's payouts. Every bet is priced separately.
Who wins a round
Banker wins slightly more often because it draws after seeing Player's third card. The 5% commission on Banker wins is what keeps it from being a winning bet.
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 house edge.
Your bets
No chips yet. Place a chip on the layout and the math appears here.
| Bet | Pays | Wins | Stake | Cost a round | Remove |
|---|
- Total stake
- $0
- Expected loss a round
- $0.00 0.00% house edge
Your main bets by result
- 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.
All nine bets, priced exactly
| Bet | Pays | Win chance | Push chance | RTP | House edge |
|---|---|---|---|---|---|
| Banker | 0.95 to 1 after 5% commission | 45.86% | 9.52% | 98.94% | 1.06% |
| Player | 1 to 1 | 44.62% | 9.52% | 98.76% | 1.24% |
| Tie | 8 to 1 | 9.52% | 0.00% | 85.64% | 14.36% |
| Player Pair | 11 to 1 | 7.47% | 0.00% | 89.64% | 10.36% |
| Banker Pair | 11 to 1 | 7.47% | 0.00% | 89.64% | 10.36% |
| Either Pair | 5 to 1 | 14.38% | 0.00% | 86.29% | 13.71% |
| Twin Hit | 25 to 1, or 200 to 1 for both hands | 3.35% | 0.00% | 91.95% | 8.05% |
| Player Bonus | 1 to 1 up to 30 to 1 | 28.99% | 1.79% | 97.35% | 2.65% |
| Banker Bonus | 1 to 1 up to 30 to 1 | 28.28% | 1.79% | 90.63% | 9.37% |
The main Banker and Player bets push on ties. Bonus bets push only on a natural tie. A natural win pays 1 to 1 on a Bonus bet; other wins need a margin of at least 4 points. Pair bets concern card ranks, not point values: a ten and a king are not a pair. Twin Hit pays 25 to 1 for one matching rank and suit pair, or 200 to 1 when both hands have one. House edge is the average loss per original stake, with pushes counted as rounds that cost nothing.
Third card rule explorer
Pick each hand's two card total. If Player draws, pick the value of Player's third card to see whether Banker draws, and why.
- Player has 4, so Player draws a third card (0 to 5 draws).
- Player's third card counts 6. Banker has 5: on 5 Banker draws against a third card of 4 through 7, so Banker draws.
Deal 1,000 rounds
Pick a bet and a stake, then deal. Each round's result is drawn at random using the exact chances above. The dashed line is the average loss the house edge predicts; your line wanders around it, and over more rounds it tends to follow it down.
- Your result
- Not dealt yet
- Average loss the edge predicts
- $105.79
- Rounds won
- 0
- Total staked
- $10,000
Probabilities start from a full shoe and shift slightly as cards leave it. Casino payout rounding and table limits are not included.
The rules at your casino may show different figures; its in game help is the version that applies to you.
Is there a Speed Baccarat strategy?
Not one that beats the house edge. The drawing rules are fixed, so your only choices are the bet and the stake. Banker is the cheapest at 1.06%; Player costs 1.24% and Tie 14.36%.
The commission is the edge on Banker
Banker wins 45.86% of rounds and Player 44.62%, so at even money Banker would beat the casino. The 5% commission takes that away and leaves a 1.06% house edge, still the lowest on the table.
The side bets all cost more
Tie lands in 9.52% of rounds but pays 8 to 1, so it costs 14.36% of every stake. The cheapest side bet, Player Bonus, costs 2.65%; Either Pair costs 13.71%.
Streaks change nothing
The cards do not remember the scoreboard, and a progression changes your stake, not what a bet pays. The edge applies to every dollar you bet.
What you can control
Your cost per round
House edge, cheapest first. A shorter bar costs less.
- Banker1.06%
- Player1.24%
- Player Bonus2.65%
- Twin Hit8.05%
- Banker Bonus9.37%
- Player Pair and Banker Pair10.36%
- Either Pair13.71%
- Tie14.36%
Pace sets your cost per hour
The odds are the same at any speed, so more rounds means more money in play. At $10 a round on Banker the average cost is about $0.11 a round; decide how many rounds you will play before you start.
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 Speed Baccarat
Showing casinos that carry Gold Tier Games live tables and accept players in your region.
Ignition Casino
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Claim BonusHow Speed Baccarat works
1
Nine bets
Place your bets
Banker, Player and Tie are the main bets. Six optional side bets have their own payouts and limits.
2
8 decks
Watch the deal
Two cards each to Player and Banker, in turn. The fixed drawing rules decide any third card.
3
19 to 20
Closest to 9 wins
Player pays 1 to 1, Banker 19 to 20 after commission and Tie 8 to 1. Main bets are returned on a Tie.
Ordinary baccarat, dealt quickly
Speed Baccarat uses eight decks and the standard drawing rules. A presenter deals two cards each to Player and Banker, in turn, and a third card only when the rules call for it, so you never decide whether a hand draws. The hand closest to 9 wins. Player pays 1 to 1, Banker pays 19 to 20 after a 5% commission, and Tie pays 8 to 1. When the totals match, Banker and Player stakes come back.
What sets it apart is pace. The rules are those of an ordinary table; the rounds simply come round faster, and at the same stake more rounds mean more money wagered each hour.
Six side bets
Player Pair and Banker Pair pay 11 to 1 when that hand’s first two cards share a rank, and Either Pair pays 5 to 1 if either hand does. These three can be placed on their own. Twin Hit pays 25 to 1 when one hand starts with an identical pair (same rank and suit) and 200 to 1 when both do. Player Bonus and Banker Bonus pay 1 to 1 on a natural win and up to 30 to 1 on a non natural win by 9 points; they push on a natural tie. Twin Hit and the Bonus bets need a main bet, and each is limited to half of your main bets.
Reading the cost
Banker wins 45.86% of rounds and Player 44.62%; the rest are ties. After the commission Banker returns 98.94% and Player 98.76%. Every side bet returns less, from 97.35% on Player Bonus down to 86.29% on Either Pair.
Full game specifications
🃏 Baccarat specifications
- Rule variant
- Standard punto banco at a faster pace
- Decks
- 8
- Banker commission
- Banker pays 19 to 20 in profit after a 5% commission on winning profit.
- Tie handling
- Main Banker and Player stakes are returned on a Tie. Bonus bets push only on a natural tie.
- 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
- No additional wager surcharge.
- Format
- Live presenter, eight decks, four cards dealt in turn with a faster round; six optional side bets.
Speed Baccarat FAQ
Is Speed Baccarat different from normal baccarat?
Only in pace. It uses eight decks, the standard drawing rules and the ordinary payouts; the rounds come round faster.
What is the RTP of Speed Baccarat?
Banker returns 98.94%, Player 98.76% and Tie 85.64%. The side bets return between 86.29% (Either Pair) and 97.35% (Player Bonus). The game rules publish the same figures.
Which side bets can I place without a main bet?
Player Pair, Banker Pair and Either Pair. Twin Hit, Player Bonus and Banker Bonus need a main bet and are limited to half of your main bets.
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