Baccarat review

Mini Baccarat: RTP, bets and where to play

Mini Baccarat is a live baccarat table from Playtech.

Its listed RTP is 98.94%; bets run from €1 to €5,000 per round, although each casino sets its own table limits inside that range.

Below: banker, player and tie side by side, what an hour costs at an example pace and the ranked casinos that carry it.

Software: Playtech
Game type: Baccarat
RTP: 98.94%
House edge: 1.06%
Min. bet: €1
Max. Bet: €5,000
Release year: 2014
Side bets: Yes
Live game: Yes
Mobile compatibility: Yes

RTP 98.94% (listed figure) 18+ only

By Fiona Gallagher Updated Oct 6, 2026

RTP: 98.94% listed figure
Bets: €1–€5,000 studio range, casinos vary
Banker: 5% commission 5% commission on banker wins
Released: 2014 Playtech

RTP per bet

Mini Baccarat: RTP and house edge per bet

Banker is the cheapest bet; the tie costs the most. The tie pays more because it lands far less often, and the gap shows in its edge.

Bet	Payout	RTP	House edge	Cost per $100
Banker	0.95:1	98.94%	1.06%	$1.06
Player	1:1	98.76%	1.24%	$1.24
Tie	8:1	85.64%	14.36%	$14.36

Commission: standard 5% on banker, going by the listed 98.94% banker RTP; the Playtech rule sheet is still to be checked. Chances and edges for 8 decks: Wizard of Odds, baccarat (wizardofodds.com/games/baccarat/basics/).

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

One round of Mini Baccarat, step by step

A round

Bet Back banker, player or tie, plus any side bets.
Deal Two cards each to player and banker; a third card follows fixed drawing rules.
Settle The hand closer to 9 wins. You make no decisions after the bet.

Bets

Banker, player or tie in Mini Baccarat

Bet	Payout	Chance to win	House edge	What it means
Banker	0.95:1 (5% commission)	45.86%	1.06%	The cheapest bet on the table.
Player	1:1	44.62%	1.24%	No commission, slightly dearer than banker.
Tie	8:1	9.52%	14.36%	Over ten times the cost of banker per bet.

Cost per hour

What an hour of Mini Baccarat costs on average

Expected cost = stake per round × rounds per hour × house edge. The paces are examples, not timed counts.

European roulette 97.3% · 40 rounds/h

$11

Mini Baccarat 98.94% · 60 rounds/h

Blackjack, basic strategy 99.5% · 50 rounds/h

RTP: the figure we list for the game. Comparison RTPs: standard rules (Wizard of Odds, roulette basics (wizardofodds.com/games/roulette/basics/); Wizard of Odds, baccarat (wizardofodds.com/games/baccarat/basics/)). Rounds per hour are example paces; studios do not publish them.

Variance

How the three bets behave over a session

Banker or player

Wins close to half the rounds; the balance moves slowly.

Suits you if: Most players.

Tie

Lands about one round in ten and pays 8:1; long runs without one are normal.

Suits you if: Small side stakes only.

Table limits

Mini Baccarat bet limits

The studio range. Each casino picks its own minimum and maximum inside it, and VIP tables raise the top end.

Game	Lowest min	Highest max	Range	What it means
Mini Baccarat	€1	€5,000		A standard range for live tables.

Listed figures. Limits at a given casino can be narrower.

Mini 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
Mini Baccarat	Playtech	98.94%	1.06%	€1

RTP and bets listed for each game.

FAQ

What is the RTP of Mini Baccarat?

The listed RTP is 98.94%. Over a long run that is the share of stakes paid back on average; any single session can land far from it.

What are the minimum and maximum bets on Mini Baccarat?

The studio range is €1 to €5,000 per round. Each casino sets its own limits inside that range, so check the lobby before you sit down.

Is there commission on the banker bet in Mini Baccarat?

5% commission on banker wins.

Where can I play Mini Baccarat?

At casinos that carry Playtech's live lobby. The ranking on this page lists them in order, and the offers are live. More from the studio on our Playtech page, and other tables in live baccarat.

Responsible gambling

Live tables run around the clock: set your limits first

18+ only

Licensed casinos check your age and ID before you can withdraw.

Responsible gaming →

Decide the budget first

Pick the amount and the end time before the first bet, and use the casino's deposit and session limits.

Limit tools →

Get help

Free, confidential help is available if gambling stops being fun.

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