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A baccarat game by Winfinity
Winfinity's live baccarat: eight decks, a 5% Banker commission or a no commission mode with Lucky 6, and pair, Big and Small side bets.
By Tum
- • Punto banco with 5% Banker commission, and a no commission mode with the Lucky 6 side bet
- • 5% of winning Banker profit (pays 0.95 to 1). In no commission mode Banker pays 1 to 1, or 0.5 to 1 when it wins with 6.
- • No additional wager surcharge.
Where to play live baccarat
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?
Standard commission baccarat. Banker is the cheapest bet at a 1.06% house edge and Player costs 1.24%; the no commission Banker costs 1.46%, and 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
Skip it if
- You expect the roads to predict the next hand
- You mostly bet Tie, Lucky 6 or the pair bets
- You want a multiplier feature
Variance profile
LowMediumHigh
Low. Banker and Player each win close to half the rounds, so results swing gently. Tie, Lucky 6 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.
| Bet | Profit payout | Commission and settlement | House 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% |
| Big | 0.5 to 1 | Five or six cards are dealt in the round. | 6.83% |
| Small | 1.5 to 1 | Exactly four cards are dealt in the round. | 5.28% |
| Banker (no commission) | 1 to 1, or 0.5 to 1 when Banker wins with 6 | No commission mode. Push on a Tie. | 1.46% |
| Lucky 6 | 12 to 1 with two cards, 20 to 1 with three cards | No commission mode. Banker wins with 6 points. | 16.68% |
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.
| Bet | Win chance | Push chance | RTP | House edge |
|---|---|---|---|---|
| Banker | 45.86% | 9.52% | 98.94% | 1.06% |
| Player | 44.62% | 9.52% | 98.76% | 1.24% |
| Tie | 9.52% | 0.00% | 85.64% | 14.36% |
| Player Pair | 7.47% | 0.00% | 89.64% | 10.36% |
| Banker Pair | 7.47% | 0.00% | 89.64% | 10.36% |
| Big | 62.11% | 0.00% | 93.17% | 6.83% |
| Small | 37.89% | 0.00% | 94.72% | 5.28% |
| Banker (no commission) | 45.86% | 9.52% | 98.54% | 1.46% |
| Lucky 6 | 5.39% | 0.00% | 83.32% | 16.68% |
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.
In no commission mode a Banker win pays 1 to 1, except a win with 6 points, which pays 0.5 to 1. Its Lucky 6 side bet pays 12 to 1 when Banker wins with a two card 6 and 20 to 1 when Banker wins with a three card 6.
Pair bets look at card ranks, not baccarat points: a ten and a king are not a pair. 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
- Total staked including the required main bet
- Average combined cost over your rounds
| Result | Chance | Net profit or loss | Total returned |
|---|
Enter a positive stake up to $1,000,000 and a whole number of rounds from 1 to 100,000.
Super 6 requires a main bet first. The outcome rows and win chance price the Super 6 side wager only. Combined cost adds the selected main wager by linearity of expectation; the two bets are not independent.
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.
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 with commission 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.
No commission is not free
Paying only half on a Banker 6 costs more than the 5% commission: 1.46% against 1.06%.
What you can control
Your cost per round
House edge, cheapest first. A shorter bar costs less.
- Banker1.06%
- Player1.24%
- Banker (no commission)1.46%
- Small5.28%
- Big6.83%
- Player Pair and Banker Pair10.36%
- Tie14.36%
- Lucky 616.68%
Bet Banker or Player
Both main bets cost far less than the Tie or any side bet.
Keep side bets small
Every pair, Big, Small and Lucky 6 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 Winfinity live tables. These top-rated casinos accept players in your region and run live dealer tables from other studios.
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Claim BonusHow Baccarat works
Winfinity’s baccarat studios
Winfinity deals punto banco in two studios, Tao Yuan, named for the Peach Blossom Land of an ancient tale, and Shangrila. The shoe holds eight decks and the dealer follows fixed drawing rules, so the only decision you make is the bet. Cards are read by AI video recognition, the Bead Road, Big Road and derived roads track the shoe, and on mobile a multi table view lets you play several baccarat tables at once.
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.
No commission and Lucky 6
One tap switches the table to no commission baccarat. Banker then pays 1 to 1, except a Banker win with 6 points, which pays 0.5 to 1, for a 1.46% edge. It brings the Lucky 6 side bet, which pays 12 to 1 when Banker wins with a two card 6 and 20 to 1 with a three card 6, at a 16.68% edge.
Side bets
Player Pair and Banker Pair pay 11 to 1 when that hand’s first two cards are a pair. Big pays 0.5 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 5.28% on Small to 10.36% on the pairs, so every side bet costs more than Banker or Player.
Full game specifications
🃏 Baccarat specifications
- Rule variant
- Punto banco with 5% Banker commission, and a no commission mode with the Lucky 6 side bet
- Decks
- 8
- Banker commission
- 5% of winning Banker profit (pays 0.95 to 1). In no commission mode Banker pays 1 to 1, or 0.5 to 1 when it wins with 6.
- 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 in the Tao Yuan and Shangrila studios, roads on screen, multi table play on mobile
Baccarat FAQ
Why are Big and Small sometimes unavailable?
They may be switched off once five decks of the shoe have been played, since how many cards a round uses depends more on the cards left as the shoe runs down.
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