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Baccarat review

Live Baccarat: RTP, bets and where to play

Live Baccarat is a live baccarat table from Pragmatic Play. How it plays: standard punto banco from an 8-deck shoe with Player, Banker and Tie bets; tables can be switched to No Commission mode via the Super 6 option.

Its listed RTP is 98.94%; bets run from $0.50 to $10,000 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
Pragmatic Play
Game type
Baccarat
RTP
98.94%
House edge
1.06%
Min. bet
0.5 USD
Max. Bet
10,000 USD
Release year
2020
Side bets
Yes
Live game
Yes
Mobile compatibility
Yes
RTP 98.94% (listed figure) 8 decks 18+ only
RTP
98.94% listed figure
Bets
$0.50–$10,000 studio range, casinos vary
Decks
8 per shoe
Banker
No commission 5% on banker; optional No Commission mod
Released
2020 Pragmatic Play

Live casinos with Live Baccarat

Ranked casinos that carry Pragmatic Play's live lobby. The order and the offers are live; check the lobby for this table before you deposit.

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RTP per bet

Live 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

RTP per bet for eight decks: Wizard of Odds, baccarat (wizardofodds.com/games/baccarat/basics/). House edge and cost are computed.

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 Live Baccarat, step by step

A round

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

Bets

Banker, player or tie in Live Baccarat

BetPayoutChance to winHouse edgeWhat it means
Banker 1:1, a win on 6 pays 1:245.86%1.46%The cheapest bet on the table.
Player 1:144.62%1.24%No commission, slightly dearer than banker.
Tie 8:19.52%14.36%Over ten times the cost of banker per bet.

Commission rule: Pragmatic Play (Studio news: Baccarat, Speed Baccarat, Roulette Macao (Mar 2020)). Chances and edges for 8 decks: Wizard of Odds, baccarat (wizardofodds.com/games/baccarat/basics/); no-commission banker edge: Wizard of Odds, commission free baccarat (wizardofodds.com/games/baccarat/appendix/6/).

Side bets

Side bets at Live Baccarat

Side bets pay more and cost more than the main bets. Check each payout in the table's help panel.

Side betWhat it needs
Player PairSee the table's pay table
Banker PairSee the table's pay table
Perfect PairSee the table's pay table
Either PairSee the table's pay table
Big/SmallSee the table's pay table
Super 6 (No Commission mode, 15:1)See the table's pay table

Pragmatic Play (Studio news: Baccarat, Speed Baccarat, Roulette Macao (Mar 2020)).

Cost per hour

What an hour of Live 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
Live Baccarat 98.94% · 60 rounds/h
$6
Blackjack, basic strategy 99.5% · 50 rounds/h
$3

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

Live 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
Live Baccarat $0.50 $10,000 Low entry stake; suits small budgets.

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

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 USD
Baccarat Dragon Bonus Ezugi 98.94% 1.06% Low
Baccarat Multiplay Evolution Gaming 98.94% 1.06% 1 USD
Fashion TV Jackpot Baccarat Playtech 98.94% 1.06% 1 USD
Fortune 6 Baccarat Pragmatic Play 98.94% 1.06% 0.2 USD
Live Baccarat Playtech 98.94% 1.06% 1 USD
Live Baccarat VIVO Gaming 98.94% 1.06% 0.5 USD
Live Baccarat Pragmatic Play 98.94% 1.06% 0.5 USD

RTP and bets listed for each game.

FAQ

What is the RTP of Live 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 Live Baccarat?

The studio range is $0.50 to $10,000 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 Live Baccarat?

5% on banker; optional No Commission mode (Super 6) where a banker win on 6 pays 1:2.

Where can I play Live Baccarat?

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

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