Baccarat

A baccarat game by LuckyStreak

LuckyStreak's live baccarat: eight decks, a 5% Banker commission, Tie at 8 to 1 and pair, Big and Small side bets.

Tum By Tum
  • • Punto banco with 5% Banker commission
  • • 5% of winning Banker profit (pays 0.95 to 1).
  • • No additional wager surcharge.
Where to play live baccarat 18+ · T&Cs apply · Play responsibly
Baccarat game table
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?

Standard commission baccarat. Banker is the cheapest bet at a 1.06% house edge and Player costs 1.24%; Tie and every side bet cost more, so keep those for fun, not value.

Play it if

  • You want classic commission baccarat with a live dealer
  • You bet Banker or Player and keep side bets small
  • You like following the roads

Variance profile

Low. Banker and Player each win close to half the rounds, so results swing gently. Tie and the pair bets win rarely and swing hard.

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 settlementHouse edge
Banker 0.95 to 1 after a 5% 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 The first two Player cards form a pair. 10.36%
Banker Pair 11 to 1 The first two Banker cards form a pair. 10.36%
Either Pair 5 to 1 The first two cards of either hand, or both, form a pair. 13.71%
Perfect Pair 25 to 1 The first two Player or Banker cards form a pair of the same suit. 13.03%
Big 0.54 to 1 Five or six cards are dealt in the round. 4.35%
Small 1.5 to 1 Exactly four cards are dealt in the round. 5.28%

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 Baccarat

We count every possible deal from a fresh eight deck shoe without replacing the cards, then apply this game's payouts. Naturals stop both hands. There are 4,998,398,275,503,360 ordered six card sequences; shorter hands are counted with the possible unused card orders. Every bet is priced separately.

BetWin chancePush chanceRTPHouse edge
Banker45.86%9.52%98.94%1.06%
Player44.62%9.52%98.76%1.24%
Tie9.52%0.00%85.64%14.36%
Player Pair7.47%0.00%89.64%10.36%
Banker Pair7.47%0.00%89.64%10.36%
Either Pair14.38%0.00%86.29%13.71%
Perfect Pair3.35%0.00%86.97%13.03%
Big62.11%0.00%95.65%4.35%
Small37.89%0.00%94.72%5.28%

Banker wins pay 0.95 to 1 after the 5% commission, Player pays 1 to 1 and Tie pays 8 to 1. Banker and Player stakes are returned when the hands tie.

Pair bets look at card ranks, not baccarat points: a ten and a king are not a pair. Perfect Pair wins when either first two card hand is a same rank, same suit pair and pays 25 to 1 once. Big wins when five or six cards are dealt in the round, Small when only four are.

Every result of one wager

Choose a bet to see every possible return. Variable payouts are not a promise of the highest prize.

Chance this bet wins
45.86%
Chance this bet pushes
9.52%
This bet's house edge
1.06%
Average cost of this wager over your rounds
$10.58
ResultChanceNet profit or lossTotal returned

The total returned includes this wager's stake, not any other wager. Average cost is stake times rounds times house edge, not a session prediction. Figures are rounded from exact fresh shoe probabilities; dealt cards change the next hand's probabilities. These calculations do not include casino payout rounding or table limits.

Official rules: LuckyStreak Live Baccarat rules, checked November 6, 2026. 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?

No system beats the house edge. The cheapest choice is Banker at 1.06%; the roads on screen record past hands and do not change the next one.

The commission is the price of Banker

Banker wins more often than Player, 45.86% of rounds against 44.62%, and the 5% commission takes back most of that advantage.

Big and Small follow the draw

Only four cards are dealt in 37.89% of rounds and five or six in 62.11%. Both payouts sit below those odds, so Big costs 4.35% and Small 5.28%.

What you can control

Your cost per round

House edge, cheapest first. A shorter bar costs less.

  1. Banker1.06%
  2. Player1.24%
  3. Big4.35%
  4. Small5.28%
  5. Player Pair and Banker Pair10.36%
  6. Perfect Pair13.03%
  7. Either Pair13.71%
  8. Tie14.36%

Bet Banker or Player

Both main bets cost far less than the Tie or any side bet.

Keep side bets small

Every pair, Big and Small bet costs more than either main bet.

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 live baccarat

None of the casinos we review that accept players in your region carry LuckyStreak live tables. These top-rated casinos accept players in your region and run live dealer tables from other studios.

How Baccarat works

LuckyStreak’s baccarat table

LuckyStreak deals classic punto banco from its studio in Riga, with a dual camera view and the Big Road, Big Eye Boy, Small Road and Cockroach Pig roads on screen. A single player view lets you play alone with the dealer. The shoe holds eight decks and the dealer follows fixed drawing rules, so the only decision you make is the bet.

What each bet costs

Banker wins 45.86% of rounds and Player 44.62%; the rest are ties, which return Banker and Player stakes. Banker pays 0.95 to 1 after the 5% commission, a 1.06% house edge and the cheapest bet on the table. Player pays 1 to 1 at 1.24%. Tie pays 8 to 1 but wins only 9.52% of rounds, a 14.36% edge.

Side bets

Player Pair and Banker Pair pay 11 to 1 when that hand’s first two cards are a pair, Either Pair 5 to 1 when either hand starts with one, and Perfect Pair 25 to 1 when either hand starts with a pair of the same suit. Big pays 0.54 to 1 when five or six cards are dealt in the round, Small 1.5 to 1 when only four are. Their house edges run from 4.35% on Big to 13.71% on Either Pair, so every side bet costs more than Banker or Player.

Full game specifications

🃏 Baccarat specifications

Rule variant
Punto banco with 5% Banker commission
Decks
8
Banker commission
5% of winning Banker profit (pays 0.95 to 1).
Tie handling
Banker and Player stakes are returned on a Tie. Tie pays 8 to 1.
Scoring and automatic draws
Punto banco scoring: aces count as 1, 2 through 9 at face value, tens and face cards as zero, and only the last digit counts. 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. If Player draws, Banker follows the third card table: it draws on 0 to 2 always, on 3 unless Player's third card is 8, on 4 against 2 to 7, on 5 against 4 to 7 and on 6 against 6 or 7.
Additional fee
No additional wager surcharge.
Format
Live dealer, dual camera view, roads on screen, single or multi player view

Baccarat FAQ

Can I bet the side bets without a main bet?

Yes. Player Pair, Banker Pair, Either Pair, Perfect Pair, Big and Small can be placed even when you have no bet on Banker, Player or Tie.

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