Baccarat review

Golden Wealth Baccarat: bets, payouts and RTP

Golden Wealth Baccarat is Evolution's multiplier baccarat with a 20% fee and always five Golden Cards a round, each worth 2x, 3x, 5x or 8x.

Our verdict: Similar to Lightning Baccarat with a fixed five multiplier cards per round and slightly higher Player and Banker returns.

Software: Evolution Gaming
Game type: Baccarat
RTP: 98.85%
House edge: 1.15%
Min. bet: $1
Max. Bet: $10,000
Release year: 2021
Side bets: Yes
Live game: Yes
Mobile compatibility: Yes

Fee 20% 5 Golden Cards a round Player 98.85%

By Fiona Gallagher Updated Oct 6, 2026

RTP: 98.85% Best bet, Evolution
Decks: 8
Bet range: $1–$10,000 Default table limits

RTP per bet

Golden Wealth Baccarat: RTP and house edge per bet

Bet	Payout	RTP	House edge	Cost per $100
Player	1:1, up to 512:1	98.85%	1.15%	$1.15
Banker	0.95:1, up to 512:1	98.69%	1.31%	$1.31
Tie	5:1 base	93.36%	6.64%	$6.64
Player or Banker Pair	9:1 base	86%	14%	$14

RTP including the 20% fee: LiveCasinoComparer, quoting Evolution.

What the numbers mean

RTP 98.85% $988.50

back on average per $1,000 wagered

House edge 1.15% $11.50

expected cost per $1,000 wagered

Turnover 87×

times a balance can be wagered before the house edge has, on average, used it up

How it works

How a round of Golden Wealth Baccarat works

One round

Bet Back Player, Banker or Tie, plus any side bets, while the timer runs.
The deal Two cards each to Player and Banker; the totals count only the last digit.
Third cards Fixed rules decide whether either hand draws a third card.
Settlement The total closest to 9 wins.

Golden Cards

Rule	Golden Wealth Baccarat
Fee	20% of your total bet
Golden Cards	Always 5 per round
Multipliers	2x, 3x, 5x or 8x
Cap	EUR 500,000 per round

Evolution, Golden Wealth Baccarat game page; LiveCasinoComparer.

Versions

Golden Wealth Baccarat against Evolution's other baccarats

RTP and default limits of the closest Evolution versions on this site, as we list them.

Game	RTP	Min bet	Max bet	What sets it apart
Golden Wealth Baccarat	98.85%	$1	$10,000	5 Golden Cards a round
Lightning Baccarat	98.76%	$1	$500	20% fee, 2x–8x cards
Live Baccarat	98.94%	$1	$100,000	Standard rules
Speed Baccarat	98.94%	$1	$10,000	About 27 seconds a round
Baccarat Squeeze	98.94%	$5	$10,000	Dealer squeeze
Baccarat Controlled Squeeze	98.94%	$5	$10,000	You squeeze
Salon Privé Baccarat	98.94%	$50	$250,000	Private table
Baccarat Multiplay	98.94%	$1	$50,000	Bet on every table at once

RTP: the best-bet figure verified for each game (sources on each game's page; – where none is published). Default limits: the figures we list on LiveCasinoRank. Features: Evolution's game pages. Casinos set their own limits on each table.

Cost per hour

What an hour of Golden Wealth Baccarat costs on average

Expected cost is stake per round × rounds per hour × house edge. Change the inputs in the calculator to match your own stake and pace.

Live Roulette 97.3% · 40 rounds/h

$11

Golden Wealth Baccarat 98.85% · 50 rounds/h

Live Blackjack, basic strategy 99.28% · 50 rounds/h

RTP: Evolution. Rounds per hour are an assumption for the example; Evolution does not publish a pace for every table, and real pace depends on the number of players.

Variance

How Golden Wealth Baccarat swings from round to round

Banker and Player

Win close to half the time and pay about even money.

Suits you if: Steady sessions.

Pairs and bonus bets

Pay 11:1 to 30:1 with a much higher edge.

Suits you if: Occasional small add-ons.

Tie

Lands about one hand in ten and returns only 85.64%.

Suits you if: Skip it.

Limits

Golden Wealth Baccarat bet limits

The range below is the default we list for the game. Each casino sets its own limits, so the table in your lobby can start higher or stop lower.

Game	Lowest min	Highest max	Range	What it means
Golden Wealth Baccarat	$1	$10,000

Default minimum and maximum bet: the figures we list for the game. Check the limits shown at the table before you play.

Golden Wealth Baccarat compared with similar games

Published Baccarat games on CasinoRank, best RTP first.

Game	Software	RTP	House edge	Min. bet
Baccarat Controlled Squeeze	Evolution Gaming	98.94%	1.06%	$5
Baccarat Dragon Bonus	Ezugi	98.94%	1.06%	Low
Baccarat Multiplay	Evolution Gaming	98.94%	1.06%	$1
Fashion TV Jackpot Baccarat	Playtech	98.94%	1.06%	$1.00
Fortune 6 Baccarat	Pragmatic Play	98.94%	1.06%	$0.20
Live Baccarat	Playtech	98.94%	1.06%	$1
Live Baccarat	VIVO Gaming	98.94%	1.06%	$0.50
Golden Wealth Baccarat	Evolution Gaming	98.85%	1.15%	$1

RTP and bets listed for each game.

FAQ

What is the RTP of Golden Wealth Baccarat?

Player: 98.85%; Banker: 98.69%; Tie: 93.36%; Player or Banker Pair: 86.00%, per Evolution.

Which bet is best in Golden Wealth Baccarat?

Player has the highest return. The Tie and the side bets cost several times more per bet.

Where can I play Golden Wealth Baccarat?

At casinos that carry Evolution's live games; the ranked list on this page shows them. Check that the casino accepts players from your country and that online casino play is legal where you live.

Responsible gambling

Set your limits before you join a live table

18+ only

Licensed casinos check age and identity before they pay out. Play only where online casino play is legal for you.

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Time and budget first

Set deposit, loss and session limits in your casino account before the first bet, and keep to them when a round goes against you.

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