Many casino players like to take a break from other games and enjoy the luxurious and sophisticated Baccarat setting for a while. Here we will teach you all about Baccarat
" Baccarat is a game with favorable odds, easy decisions and an aura of high-class Mone Carlo casinos. Basically, it is one of the best games you will find in the casino. Here we teach you everything you need to know before hitting the tables.
Baccarat is a straightforward card game played against the bank. It is perfect for casino-game beginners since the rules are very simple, more or less like flipping a coin. Despite the simplicity, there is a lot of math involved, something that can be good to know about. There are also quite a few myths about the game flourishing in the gaming community - myths we would like to dispel.
How to Play Baccarat
The game originates from France and still is very popular in European casinos. Strategically baccarat is very basic. In the standard version you don't have to make any decisions at all. If you focus on money management - as always in casino games - and avoid the one bet that offers bad odds, you will do just fine.
This is how the game is played: In every round of Baccarat, two hands are dealt no matter how many players are sitting at the table. The player's hand is called punto and the bank's hand is called banco, although the hands have nothing to do with neither the player nor the bank. You can bet on either one of them.
The player now chooses to wager on one of the three betting options.
Punto: Punto hand wins, which is a good bet.
Banco: Banco hand wins, which is a slightly better bet
Egalite: Punto and banco end up with the same value, which is a useless bet.
As far as skill is concerned you have now made your choice, and if you avoided ""egalite"", you can look forward to an honest coin-flip with very low house edge.
Usually six to eight decks are used. Suites don't matter and the card values are as follows:
Cards from ace (low) to 9 have their card values.
Cards from 10 to king have zero value.
To get the total value of a hand, add the value of all individual cards. However, if the total is a two-digit number, disregard the first. In consequence, if you have 8/6, your hand's total is 4 (8 + 6 = 14).Â The total of 3/J/9 is 2 (3 + 0 + 9 = 12).
A hand in baccarat consists of two or three cards but can never go bust as in blackjack. The cards are dealt in a somewhat complicated fashion, which can look a bit strange the first time you watch a game.
If the dealer or the bank has 8 or 9, no more cards are added and winnings are paid out. This is the superior rule and the exceptions listed below are not considered when the bank or the player has a so-called natural.
If the player has 0 - 5, another card is drawn and the player's hand is now finished.
Bank Hand (Banco)
If the player hasn't drawn an additional card (remember that this is not an option and is done automatically,) the bank draws on 0-5 and stands on 6-9.
If the player has drawn an additional card, the rules are as follows:
If the bank has 0-2, the bank always draws a card no matter what the player holds.
If the bank has 3, the bank draws a card unless the player's third card is 8
If the bank has 4, the bank stands when the player's third card is 0, 1, 8 or 9.
If the bank has 5, the bank stands when the player's third card is 0,1,2,3,8, or 9
If the bank has 6, the bank stands when the player's third card is 0,1,2,3,4,5,8Â or 9
If the bank has 7, the bank stands no matter what the player's third card is.
Note that the rules above are always followed rigorously. This means that the bank sometimes will draw an additional card although the bank has the player beaten. It might seem illogical to risk loosing with a hand that's already a winner, but remember that Baccarat is about chance and not playing the cards right. You can have your money on the bank as well as on the player.
When playing according to these rules, the bank and the player will tie about once every eleventh hand. When this happens, all bets on banco and punto are paid back while egalite obviously wins.
The rules give banco an advantage and therefore every winning player betting on banco has to pay a 5 % rake (vigorish or vig). If you bet $100 on banco and win, the house will take $5. In live casinos, these fees are often paid when a player leaves the table. Observant readers probably understand that it is good to have some money left when ending the day. Otherwise you might find yourself in a very embarrassing situation.
Three Versions of Baccarat
Baccarat comes in three flavors: Baccarat, mini baccarat (also known as punto banco) and the exotic version chemine de fer. Here is a brief explanation of the different game types.
Baccarat, which is played on a large table, is the European original. This game is, or at least used to be, very highbrow and the tables are often located in an exclusive room in the casino. The atmosphere in these games is often deadly serious and players are not at all as loud and merry as when playing craps. In these games, the players themselves take care of the dealing and the stakes are often rather high.
Punto banco is a modern form of baccarat, designed for those who want a faster-paced and more accessible game. The table looks very much like the ones used in blackjack and a dealer handles all the cards. The only thing you do as a player is placing your bet on punto, banco or - although advised against - egalite. In this version you can't really make any mistakes and there are no weird rituals you are expected to follow. This is the version you find in online baccarat casinos.
Chemin de fer is played as original baccarat except for one big difference. You actually have a decision to make when the player's first two cards show a total of five: to take a card or stand. This version is the one played in the classic Monte Carlo casino.
Numbers and Strategy
With one exotic exception that you probably won't stumble upon unless you go to Monte Carlo, the hands are played automatically in baccarat. The only things you have to decide are how much to wager and what kind of bet you wish to make.
This is the house edge in normal baccarat with eight decks.
Casino edge on baco bets: 1.06 %
Casino edge on punto bets: 1.24 %
Casino edge on egalite bets: 14.4 %
As you can see, egalite is a very stupid wager. And why on earth would you chose one of the best games in the casino and then choose a sucker bet?
Players who have the slightest understanding of math realize that the game doesn't become more entertaining by betting on egalite. Also, if you chose banco instead of punto you reduce the house edge with about 0.2 %, which is as much as you reduce the house advantage in blackjack by learning the finer details of a blackjack strategy.
How to Reduce the House Advantage
If you wish to reduce the house edge even more, look for games with a smaller vigorish when betting on banco. Here are the house percentages when the vig is lowered.
4 % vig reduces the house edge to 0.60 %
3 % vig reduces the house edge to 0.14 %
2.75 %Â vig reduces the house edge to 0,03 %. This is virtually no advantage at all and must be considered as a fair game. However, you will never find these games in brick-and-mortar casinos. But if you play online baccarat, you can actually find games with these incredibly nice odds.
1 % vig gives the player a 0.78 % advantage.
During special promotion periods in Las Vegas, some casinos have offered baccarat games with 0 % vig. This gives the player a 1.24 % advantage, but for obvious reasons these games don't appear that often.
Card Counting in Baccarat
When Edward Thorp realized that the odds in blackjack radically change depending on the value of the remaining cards in the shoe, people tried to find out if there are any other games that can offer players positive expectation when counting cards. Naturally baccarat was a prime suspect due to its similarities with blackjack.
However, counting cards in baccarat doesn't change the odds at all - or at lest very little. Math examples show that if you want to achieve positive expectation you can only play every 500 hands and have to go through very complicated calculations along the way. In consequence, you have to rely on luck and not counting in baccarat.
Just like most other games baccarat is surrounded by many casino myths. Players have rituals and systems they think can help them beat the house. Naturally, all of them are nonsense. Here are a couple of examples:
One method to beat the game is to make decisions based on prior outcomes. This occurs in most games, but in baccarat player often believe, falsely I must add, that banco and punto wins come in streaks. In other words, if banco wins two times in a row, the likelihood of banco winning again increases.
Casinos are satisfied when players have these false assumptions. They even hand out pen and paper so that casino players can take notes and write down their system, which is something that you wouldn't see at a blackjack table. The cards can't remember any prior outcomes. Do people think that cards have a memory? No, this is obviously something to avoid at all cost.
Betting systems are also widely popular among baccarat players. The classic Martingale system, in which you double your wager after every loss, is unbelievably popular. What it really does is that it generates small wins and humongous losses. On the contrary to what most players want to achieve when gambling in a casino. Ask yourself: How many of those praising the martingale system are professional gamblers?Â I have the answer for you, none!
There are a whole lot of other systems used, and all of them are pointless. They won't make the odds more favorable, but on the other hand, they won make the odds any worse either. Baccarat is a game built solely upon chance and there is nothing you can do to alter that.
However, baccarat is still one of the best games you will find when it comes to odds and house advantages. Especially online, baccarat is a game you can play virtually for free. And if you have the luck on your side perhaps rake in a buck or two.
These are the 10 best baccarat casinos online.
" Many of the terms used in baccarat are French, Spanish and Italian.
Many of the terms used in baccarat are French, Spanish and Italian. Some of the terms below have one meaning when
applied to general gambling and another meaning in the context of baccarat. Definitions listed here apply to baccarat.
The total money a player wagers during a session.
have a value of zero.
Spanish: banker. The dealer or player in possession of the shoe who deals and plays the hands.
In some versions, the banker finances the action; in other versions, the casino books the action,
but the dealer is usually called the banker.
The dealer or player in possession of the shoe who deals and plays the hands.
In some versions, the banker finances the action; in other versions, the casino books
the action, but the dealer is usually called the banker.
The total amount of money the player intends to bet.
The dominant version of baccarat played in North America.
The card removed from the deck after each shuffle and placed in the discard tray.
Chemin de Fer
French: the French version of baccarat.
French: round of play in Baccarat.
French: dealer. In American baccarat, the croupier acts as the ""caller"", and controls the flow of the game
rather than dealing the cards. In mini baccarat, the dealer does it all: deals, controls the
flow, collects losses and pays wins.
Cut Divide the deck in two after the cards have been shuffled.
Cut CardSolid-colored plastic card given to a player to cut the deck after the dealer shuffles.
DealDistribute the cards.
DealerIn American baccarat, two casino employees, stationed at opposite ends of the baccarat table,
are called dealers. They do not deal the cards; instead, they collect losing bets and pay winning bets.
The player acting as banker deals the cards and is sometimes called the dealer as well. In mini baccarat,
the croupier deals the cards.
A tray that holds cards that have been played or discarded.
Down CardA card dealt face down.
EdgeA statistical advantage, usually an advantage that the house has over the players, expressed as a percentage.
Face CardJack, Queen, King (all having a zero value in baccarat)
Flat BetThe same bet, placed over and over again without variance. When a player bets the same unit or dollar
amount from hand to hand, he or she is flat betting.
Cards dealt and played during each round.
The casino or gaming establishment.
The edge that the casino has over the players, expressed as a percentage.
Casino employee who supervises baccarat from a chair above the table.
French: natural 9.
A version of American baccarat using a smaller table, about the size of a blackjack table.
An 8 or a 9 that is dealt in the first two cards.
A tool used to move cards on the baccarat table.
PuntoSpanish and Italian: point. Point or player in baccarat.
Wooden device that holds playing cards, from which the cards are dealt. The shoe holds up to eight decks
and allows the dealer to easily slide one card out at a time.
A term used when dealers shuffle prematurely to annoy and harass card counters.
A card dealt face up.
" " When you think of baccarat, images of posh casino settings come to mind. Just picture high rollers huddled around roped off tables. If you enter any casino you will see these roped off baccarat pits, but the game isn't just reserved for the wealthy. If you don't have the bankroll to play with the big dogs, you can still enjoy the game.
Mini-baccarat is baccarat for the rest of us. The limits are lower, and there are fewer players, but the game is played by the same rules.
In baccarat, there are only two hands dealt, a banker hand and a player hand. The game is played with six or eight decks. The object is to bet on the hand that has a value (or total) that is closest to nine. Before the cards are dealt, players use chips to wager on the hand that they believe will be closest to this set number. Bets can be made on the banker, the player or a tie. Betting limits are posted on the table. Wagers do not affect the outcome of the game, and this adds to the communal nature of the game. Everyone just bets on the outcome of the cards.
In baccarat, all cards 2 through 9 retain their numerical value. Tens and face cards all count as zero. Aces count as one. When the total of the two cards is higher than 9, the first digit is dropped in order to get a single digit value. If a hand has an 8 and a 9, the total would be 17. Drop the first digit, and you get a hand value of 7.
Once the two cards are dealt for each hand. the dealer checks to see if there's an immediate winner. If either the player or the banker has been dealt a two-card hand that totals eight or nine, the game is over. These hands are called naturals. Eight is le petit natural and nine is le grande natural. Whenever anyone is dealt a natural, there is no need to deal any more cards. Le grande natural always beats le petit natural. If both the player and the banker are dealt naturals of equal value, then the game ends in a tie. (all Baccarat terms are explained in the Baccarat glossary)
If neither the banker nor the player has been dealt a natural, the dealing continues. Cards are dealt based on a strict set of rules. If the player's first two cards total less than five, then another card is drawn. If the player has a total of six of seven, then the player must stand. Action always begins with the player's hand first.
The banker's hand is played after the player's hand. If a player only has two cards, then the banker has a certain set of rules to follow. If the player has been dealt three cards, then the banker must follow a different set of protocols.
The rules are followed by the dealer; all the player has to do is pick a side to bet. Once you familiarize yourself with the game, you'll discover that baccarat is the simplest casino game that you'll ever encounter.
If you want to learn more about Baccarat, please study the Baccarat Strategy article.
" " Because baccarat is played around the globe, it shouldn't come as any surprise that there are several popular variations.
The object of the game is always to bet on the hand that comes closest to 9 points.
Other elements of the game can vary from version to version:Number of players at the table Table size and layout Number of decks Who serves as banker and controls the shoe Who controls the action (finances the game) Whether or not there is a cap on the sum of all players' bets for a round Drawing rules Odds and payouts
Mini baccarat, popular in the United States, is almost identical to American baccarat. The table is smaller than the American baccarat table, approximately the size of a blackjack table. It accommodates only seven players. Instead of a crew of three, a lone croupier mans the table, attending to all game details. The croupier controls the shoe at all times, and acts as the banker for all hands.
Mini baccarat lacks the sense of exclusivity of the other variations and provides a less intimidating atmosphere. You won't find mini baccarat behind velvet ropes in a far corner of the casino. You'll find it up front and center, right in the middle of the casino floor along with the other games.
Mini baccarat is accessible to the rest of us. Dress is casual, and minimum bets usually start at $5.
Chemin de fer
Chemin de fer is French for railroad, and this version is the French national baccarat treasure. It can also be found in some casinos throughout the rest of Europe, but not in North America. Chemin de fer requires a minimum of two players. The major difference is that the casino does not fund the action. Instead of betting on either the banker or the player, you are the banker, the player, or a wagering spectator in each hand. The banker deals two hands, and the players bet against one another for the privilege of ""playing"" the player hand. Players can pass on controlling the shoe and the action. Hit and stand rules also differ from the American version, providing more flexibility.
As the name suggests, this version is popular in Europe and can be found in most of the European casinos. Like Chemin de fer, the banker finances the game, and the game cap is determined by the banker. For example, if the cap is $2000, and the first player bets $1000 followed by another player betting $500, no more bets are allowed for that hand. If a player wants to wager the entire cap, he or she says, ""banco."" Caps are usually much smaller than they are in versions funded by the house.
Baccarat en Banque
You'll find Baccarat en Banque in some European casinos. The casino funds the action, and the game only requires one player present at the table. Baccarat en Banque differs from all other versions: the banker deals three hands, a banker's hand and two players' hands. Players bet on one of the two players' hands, but not on the banker's hand. There are no set drawing rules; instead, they vary according to the dealer.
This version is similar to American baccarat. It is available in Europe and it comes in two versions: punto banco and mini punto banco.
Lern More about Baccarat by studying the Baccarat Glossary.
" " Online baccarat is a simple game, much simpler than the pomp and airs surrounding a live action baccarat pit may make it appear.
Even so, it's important to play the game correctly to give yourself the maximum chance to succeed. Here are a few tips on correct baccarat play.
Always Bet on the Bank
Many players tend to avoid banker bets because of the five percent commission they must pay if they win. However, this commission is simply there to offset the considerable advantage the banker has over the player by acting last. It does not completely do so and betting on the banker is still a better bet.
Never Bet on Ties
While the 8-to-1 payout on a tie looks great, the tie will actually happen significantly less often than one time out of nine. The house has a big edge on this bet. If you can find an online casino that offers 9-to-1, it's considerably better, but your best bet is to stick with betting on the banker.
Stay Within Your Bankroll
Even though you probably won't be playing for as high stakes as live baccarat players, you will still probably be playing for real money. While online baccarat has a low house edge, it is still a negative expectation game that you can expect to lose in the long run. If you're losing more than you planned to on any given day, shut the computer off and come back another time. The game is always available, and tomorrow your luck may change.
Chances are that you first encountered baccarat (pronounced bac-car-ah) with a fleeting glimpse at the baccarat table over the tux-clad shoulder of Agent 007. Long before you were legally able or financially fit to approach a baccarat table in person, you could catch the action in a James Bond film. Handsome and beautiful double-agents and triple-agents, often evil and always dripping in diamonds, won and lost obscene sums of money in the bat of an eyelash.
Even though most of us first discovered baccarat on the silver screen, the game predates Hollywood and Ian Fleming. Sean Connery and all who followed him enjoyed baccarat centuries after its introduction.
Baccarat is, without question, the casino's most elegant and prestigious game. You'll find it tucked away in a quiet, out-of-the way corner of the casino, guarded and roped off from the rest of the common games and the casino hoi polloi. Even today, baccarat remains almost the exclusive province of the couture crowd from one end of the globe to the other.
Like most casino games, baccarat's exact origin is shrouded in mystery. What separates baccarat's history from the history of the other casino games is that it retained its exclusive image on its worldwide journey-until it found its way to the Internet.
While there is some debate about whether baccarat originated in Italy or France, most agree that it originated in Italy. Baccarat dates back at least to the Italian middle ages, where legend places its birth sometime in the 1480s. Wandering like a nomad from continent to continent, baccarat remains extremely popular among European nobility and in China. Baccarat's moderate popularity in the United States is probably due to its relative short tenure in the American casinos and its exclusive nature.
European and American versions differ widely, with the most important difference being who banks the game. In Europe, it is common for actually players to bankroll the game while the house simply takes a percentage. In the United States, the casino bankrolls the game.
You can view a brief synopsis of baccarat's fascinating timeline below:
Italy, Middle Ages - The earliest version of baccarat was born in Italy in the 1480s from a deck of tarot cards. The Italians called it baccara, the Italian word for zero. Most of the cards in baccarat's deck hold a point value of zero-tens, Jacks, Queens and Kings of all suits. Legend credits Felix Falguierein as the first baccarat player. Many of the modern casino games point to Pagan or Christian spirituality as instrumental in their development. Early accounts of baccarat claim that it was:
""... based on an old Etruscan ritual of the nine gods, who prayed to a blonde virgin on their tiptoes waiting for her to throw a nine-sided die. The result of the die decided her fate. If an eight or a nine was thrown, she would become the priestess; if she threw a six or seven, she would be banned from any further religious activities; if she threw any number less than six, she would walk into the sea.""
France, 1500s - Nicknamed Chemmy and Shimmy, Chemin De Fer, as baccarat is known in Europe, was introduced to the French by the Italians. The French, however, also claim credit for inventing baccarat. Either way, the French aristocracy, always seeking new and different idle pastimes, warmed to the game immediately sometime in the early 1500s. It spread to the Riviera where it remains a favorite casino game among the rich and famous beautiful people.
Argentina, 1950s - Baccarat made the long voyage from France to Argentina. It landed at the casinos of Mar del Plata, home to the South American upper echelon.
Saratoga, NY and Palm Beach, FL, 1910s - Baccarat is introduced at the famed Saratoga racetrack and spa and the Palm Beach resort, the summer and winter playgrounds of American aristocracy and nouveau riche. It received a less than lukewarm embrace and made little impression upon the industrialists.
Cuba, 1950s - Baccarat made its way to Havana's famed seaside playground during Cuba's pre-Castro heyday. Known as Punto Banco in Cuba, it underwent rule changes to become what is now known as American baccarat. The casinos began bankrolling the action, and all players played against the house rather than against a player/banker. Francis ""Tommy"" Renzoni, a casino executive at George Raft's Capri Hotel Casino showed an insatiable curiosity for the game, which led baccarat to…
Las Vegas, NV, 1958 -In his book, Renzoni on Baccarat, (Lyle Stuart, June 1, 1974), Francis ""Tommy"" Renzoni credits himself with bringing baccarat to Las Vegas. Around the time Cuba was about to fall to Castro, Renzoni persuaded the Sands to open a baccarat pit. At the end of its first night of operation, Baccarat had cost the house $250,000 in 1958 dollars. For the second time, Americans rebuffed the game, preferring the more boisterous games and shying away from the elegant, secluded atmosphere of the baccarat pit. Even today, you'll find little more than mini-baccarat in Las Vegas, unless you confine your play to nights and weekends at the few casinos that offer the upscale version behind the velvet ropes.
Atlantic City, 1990 - In February, Akio Kashiwagi, also known as, ""The Warrior,"" entered Donald Trump's Atlantic City Trump Plaza casino to play baccarat. He wagered $200,000 a hand until he won $6 million. At one time, The Warrior was the highest roller in history. Unfortunately, Mr. Kashiwagi didn't know when he'd had enough of a good thing, and he returned to Trump Plaza in May. That time, however, the tables were turned, and after six days at the baccarat table, our warrior left the casino $10 million poorer, the largest recorded loss in baccarat history.
Internet, 21st Century - Now that baccarat is established throughout casinos around the world, it has made the natural leap to the Internet. Most online gambling establishments include baccarat among their offerings. With the variety of baccarat rules, and absent the elegance and exclusivity that some find intimidating in the casinos, baccarat is bound to attract a whole new global audience of enthusiasts on the Internet.
" " Manage Your Money. Don't Let IT Manage You
Before you step foot behind the velvet ropes, sidle up to a mini baccarat table, or click that first chip online, determine your bankroll for the session. Know exactly how much money you are willing to lose before you begin playing. Sounds easy, right? If you can gamble only what you can afford to lose, set limits, and adhere to those limits, you can gamble responsibly. Resist the siren's call to action, ""just one more hand,"" at all costs
What if you're on a winning streak? When you luck into a winning streak, don't give back all your gains to the house. Massive fortunes are won and lost at baccarat, and it might just happen to you. When you've been lucky enough to experience a windfall, pocket a portion of your winnings to take home or to withdraw from your online account and just do it. If you win, it's equally important to walk away a winner.
Right Pocket, Left Pocket
Manage your money in the following manner to guarantee that you leave the table with some money:Place your bankroll for a session in your left pocket. Play only with money in your left pocket. When you win, place ? of your winnings in your right pocket. When your left pocket is empty, take a break or quit.
Money Conservation ""Systems""
We've already established that systems don't work with baccarat. However, many baccarat aficionados apply some of the systems that are widely used in other casino games such as roulette and blackjack as a money-management technique in baccarat. You might consider incorporating one of the systems below into your overall money management system. Don't expect to win with any system, but it's not unreasonable to use a system to your advantage in conserving your bankroll and extending the amount of time you can play with your bankroll. Establish your own pattern or system and combine it with money management.
The Martingale system is one of the oldest and most popular betting systems. The system was devised for even-money games, and while it was devised for roulette, it has also been adapted for blackjack and baccarat.
The Martingale Premise
The premise stems from the law of averages, which states that on 50/50 bet, 50% of the time one outcome is probable, while the other 50% of the time, the opposite outcome is probable. Sooner or later, if you can afford to keep gambling and increasing your bet, you will end up even plus $1. Of course, this may be difficult in baccarat, because the minimum bet in mini baccarat is the casinos is $5. This system works best if you can find a $1 table online.
The Martingale System
Use Martingale only when you bet on the player or the banker. After you lose an even-money bet, double your bet until you win. When you win, you will have won a total of $1, as illustrated in the table below:
Hand # 1 2 3 4 5 6 7 8 9 10 Your bet
(previous bet x2) $1 $2 $4 $8 $16 $32 $64 $128 $256 $512 Banker or Player B B B B B B B B B P Result -$1 -$2 -$4 -$8 -$16 -$32 -$64 -$128 -$256 +$512
The Martingale Pitfall
Players often exceed their bankroll before hitting a winning hand.
The Paroli system ups the ante-when you're winning. It takes advantage of hot streaks on even-money bets. Use this system only when you're betting with the banker or the player (which you should be doing most of the time, if not all of the time). The Paroli system's objective is to cut your losses quickly and let your winnings ride. Remember that this system applies only to even-money bets.
When you win, double your next wager.
When you lose, bet the same amount as the last wager.
The Paroli Pitfall
Players often exceed their bankroll before hitting a winning hand.
" " Even though baccarat is a game of pure chance, there are several tips and tricks that baccarat enthusiasts use to further decrease the house odds or to increase their chances of success.
Even though baccarat is a game of pure chance, there are several tips and tricks that baccarat enthusiasts use
to further decrease the house odds or to increase their chances of success.
Be Merciless - Beat Down the House Edge
There are not a lot of worthwhile tips for playing baccarat, but the five tips below can significantly reduce the house edge:Don't bet on a tie. The house advantage is 14%-15% when you bet on a tie.
Bet on the banker. This provides the absolute lowest house edge.
Choose a table that uses six decks instead of eight decks. You reduce the house edge slightly, but every little bit counts. Compare the difference between a six-deck shoe and an eight-deck shoe:
# of decks
Find a casino that charges 4%commission on winning banker bets. Compare the difference between a 4% and a 5% commission:
# of decks
Banker bet 5%
Banker bet 4%
Bet tie 9:1
Bet tie 8:1
Combine as many of the above strategies as you possibly can. If you can find a 6-deck table with a 4% commission on winning banker bets, glue yourself to your seat at the table.
Bet the Bank in Baccarat
There is one other way to slightly increase your odds of winning, and that is to bet the banker. Consider that the house pays even money on both the player and banker winning hands. If, however, you win on the banker hand, you pay a commission to the house. Even after paying the commission to the house on the banker hand, you still come out slightly ahead over the long haul by betting on the banker, especially if you are paying 4% commission instead of 5% commission. The advantage you gain with a 5% commission is miniscule, approximately 0.18%, but no gain in percentage is too small to consider.