Baccarat review

Live Baccarat: bets, payouts and RTP

Live Baccarat is Evolution's standard live baccarat: 8 decks, Banker pays 0.95:1 after 5% commission, Tie pays 8:1, with pairs and bonus side bets.

A standard round takes about 48 seconds. Evolution relaunched its baccarat range with new tables and side bets from December 2015.

Our verdict: Back the Banker for the lowest edge in Evolution's card games after blackjack; skip the Tie.

Software: Evolution Gaming
Game type: Baccarat
RTP: 98.94%
House edge: 1.06%
Min. bet: $1
Max. Bet: $100,000
Release year: 2015
Side bets: Yes
Live game: Yes
Mobile compatibility: Yes

Banker 98.94% Tie 8:1 About 48 s a round

By Fiona Gallagher Updated Oct 6, 2026

RTP: 98.94% Best bet, Evolution
Decks: 8
Round time: ~48 s Evolution
Bet range: $1–$100,000 Default table limits

Live Baccarat at a glance

98.94%
Banker RTP after the 5% commission.
85.64%
Tie RTP at 8:1, the worst main bet.
48 s
A standard round, per Evolution.

RTP per bet

Live Baccarat: RTP and house edge per bet

Bet	Payout	RTP	House edge	Cost per $100	Note
Banker	0.95:1	98.94%	1.06%	$1.06	5% commission
Player	1:1	98.76%	1.24%	$1.24
Player Bonus	Up to 30:1	97.35%	2.65%	$2.65
Perfect Pair	25:1 or 200:1	91.95%	8.05%	$8.05
Banker Bonus	Up to 30:1	90.63%	9.37%	$9.37
Player or Banker Pair	11:1	89.64%	10.36%	$10.36
Either Pair	5:1	86.29%	13.71%	$13.71
Tie	8:1	85.64%	14.36%	$14.36

RTP: Evolution's help-file figures as quoted by LiveCasinoComparer and baccarat.net; Banker and Player match Wizard of Odds for 8 decks.

What the numbers mean

RTP 98.94% $989.40

back on average per $1,000 wagered

House edge 1.06% $10.60

expected cost per $1,000 wagered

Turnover 94×

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

How it works

How a round of Live 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.

When the third card is drawn

Nobody makes a decision in baccarat: these fixed rules decide every third card. A total of 8 or 9 on the first two cards is a natural and ends the hand.

Hand	Total	Draws a third card when
Player	0–5	Always
Player	6–7	Never (stands)
Banker	0–2	Always
Banker	3	Player's third card is anything but 8
Banker	4	Player's third card is 2–7
Banker	5	Player's third card is 4–7
Banker	6	Player's third card is 6 or 7
Banker	7	Never
Banker	0–5 when Player stood	Always

Standard punto banco drawing rules, which Evolution's baccarat tables follow.

Versions

Live 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
Live Baccarat	98.94%	$1	$100,000	Standard rules
Lightning Baccarat	98.76%	$1	$500	20% fee, 2x–8x cards
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
No Commission Baccarat	98.76%	$10	$90,000	Banker 6 pays 1:2

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 Live 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

Live Baccarat 98.94% · 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 Live 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

Live 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
Live Baccarat	$1	$100,000

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

Live 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
Live Baccarat	Evolution Gaming	98.94%	1.06%	$1

RTP and bets listed for each game.

FAQ

What is the RTP of Live Baccarat?

Banker: 98.94%; Player: 98.76%; Player Bonus: 97.35%; Perfect Pair: 91.95%, per Evolution.

Which bet is best in Live Baccarat?

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

Where can I play Live 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.

Responsible gaming →

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.

Limit tools →

Help is free

Confidential support is available if gambling stops being fun or starts to cost more than you planned.

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