Baccarat Strategy – How to Beat the House Edge in Baccarat

Baccarat, also known as chemin de fer and punto banco, is a casino table game with low house edge and few skills required. It is usually played in high-limit gambling areas.

The goal is to correctly predict which hand will win, either the player’s, the banker’s or a tie. Each hand is scored based on its value, but only the rightmost digit is taken into account.

Game rules

Baccarat is a game played by groups of players at a table. The game uses six decks of cards, which are shuffled together. The banker is the first player to announce that they want to play as the bank, then other players can place bets against them in counterclockwise order. Once a player has declared that they are willing to stake an amount equal to the banker’s total, they become the banker for the remainder of the round.

After the cards are dealt, both the Player and the Banker hands are compared to determine the winner. The hand with the highest value wins. The values of each hand are determined by adding the number of each card and dropping the initial digit. For example, a hand consisting of 9 and 6 is worth nine points, while a hand made up of 10 and 3 is only six points. The resulting score is then added to the bets.


There are a number of side bets in baccarat. The most popular are ‘Banker Pair’ and ‘Player Pair’, which pay out if the Banker and Player hands have two cards of the same value. Other side bets include ‘Big and Small’, ‘Tiger Tie’ and ‘Super Six’. These bets are offered alongside the initial bet and have a higher payout than the pair bet.

Some players use a strategy known as the Martingale System, in which they increase their wagers after each loss and decrease them after each win. This is a risky strategy that can lead to high losses, especially in the long run.

The best way to avoid huge losses is to set a budget before you start playing. You should decide how much you’re willing to spend in advance and stick to this amount. It’s also a good idea to quit while you’re ahead, as this will help prevent you from losing too much money.


When it comes to payouts in baccarat, there are three main options: winning the player hand, winning the banker’s hand, and a tie. Each option offers different odds and payouts. If you win on the banker, for example, the payout is 1:1, but you must pay a 5% commission to the house.

Aside from the player and banker bets, players can also place side bets on a player/banker pair or a perfect pair. These bets offer a much higher payout than those on the player or banker hands. The payouts for these bets are calculated using the total points in a hand. Aces count as one point, cards two through nine are worth their face value, and tens and picture cards are worth zero points.

The dealer then compares the Player and Banker hands. The hand that is closest to nine wins the game. If neither hand is closer to nine, a third card is drawn. The dealer then collects and pays all optional bets before a new round begins.


Baccarat is a game of chance and luck, but there are some tricks to beat the house edge. Some of these strategies involve setting a budget and using tools to track wins and losses. It is also important to avoid playing while you are tired or under the influence of alcohol, and to play only with money you can afford to lose.

One baccarat winning strategy involves the Paroli system, which is similar to the Martingale betting system but is less aggressive and lower risk. This system focuses on positive progression, where you increase your bet size after each win and return to your original bet size after a loss.

Another baccarat strategy is the Fibonacci system, which uses a sequence of numbers to optimize your betting. The system works by starting with a fixed wagering unit (e.g. $2) and increasing it every time you lose. Once your win profits reach +1 in wagering units, the cycle restarts.