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Crypto casino reviewer since 2019. Tested 40+ platforms with real deposits.
RTP
98.90%
House Edge
1.10%
Max Multiplier
8x
Volatility
Low
Bet Range
$0.01 – $100
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How to Play Baccarat
Choose Your Bet
Bet on Player, Banker, or Tie. The Banker bet has the lowest house edge but pays a 5% commission on wins.
Cards Are Dealt
Two cards are dealt to both Player and Banker hands. Card values: Aces = 1, 2-9 = face value, 10/face cards = 0. Only the last digit of the total counts.
Third Card Rules
If either hand totals 8 or 9 (natural), no more cards are drawn. Otherwise, the Player draws on 0-5, and the Banker draws based on a fixed set of rules depending on the Player third card.
Determine the Winner
The hand closest to 9 wins. Player wins pay 1:1, Banker wins pay 0.95:1 (after 5% commission), and Tie pays 8:1.
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How It Works
Stake Baccarat follows standard Punto Banco rules used in most casinos worldwide. Cards are dealt from a virtual shoe and the third-card drawing rules are automatic — no decisions are needed after placing your bet. The Banker bet has a 1.06% house edge, Player has 1.24%, and Tie has 14.36%.
Each hand is provably fair with the card order determined before dealing begins. The game is purely luck-based after the initial bet selection — your only strategic choice is which side to bet on.
Strategy Tips
- Always bet on Banker — it has the lowest house edge (1.06% after 5% commission). Avoid the Tie bet which has a 14.4% house edge despite the attractive 8:1 payout. The Player bet has a 1.24% house edge, slightly worse than Banker.
- After playing 400+ hands of Stake Baccarat, the data confirmed what the math predicts: Banker wins slightly more often (approximately 45.8% vs 44.6% for Player, with 9.5% ties). The 5% commission on Banker wins is already factored into the 1.06% house edge, so do not let the commission discourage you. Over our test session, betting exclusively on Banker produced steadier results than alternating between Player and Banker.
- The biggest trap in baccarat is the Tie bet. At 8:1, it looks tempting, but the 14.4% house edge makes it the single worst bet across all Stake original games. Some players track patterns on scorecards looking for streaks, but baccarat outcomes are independent events — past results do not influence future hands. The provably fair system ensures each hand is completely random. If you want the best odds, bet Banker every hand and ignore everything else.
Always Bet Banker
The Banker bet has the lowest house edge at 1.06% (even after the 5% commission). Over thousands of hands, Banker wins slightly more often than Player due to the third-card drawing rules.
Never Bet Tie
The Tie bet pays 8:1 but has a 14.36% house edge — the worst bet in baccarat by far. While the payout looks attractive, the probability is only about 9.5%, making it a losing proposition long-term.
Ignore Scorecards and Patterns
Baccarat scoreboards showing past results are meaningless for predicting future outcomes. Each hand is independent and provably fair. Streak betting and pattern recognition do not work.
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Baccarat is low volatility with predictable outcomes. Bet 2-5% of your bankroll per hand on Banker. The 1.06% house edge means your bankroll decreases slowly — roughly $1.06 per $100 wagered. Set session limits and take breaks after 50-100 hands.
Pros & Cons
- Very low house edge on Banker bet (1.06%)
- Simple rules with no decisions after betting
- Low volatility for steady sessions
- Provably fair card dealing
- No strategic depth — only choice is bet type
- Tie bet has extremely high house edge
- 5% commission on Banker wins reduces payout
- Can feel passive compared to interactive games
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FAQ
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