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The banker takes another card based on that hand’s total versus the player hand total, as follows:
- The banker bet has a 1.06% house edge.
- The player bet has a 1.24% house edge.
- The tie bet has a 14.36% house edge.
The best strategy for most casino games is to take the bet with the lowest house edge. In the case of baccarat, that’s the banker bet. The difference between the banker bet and the player bet is small enough (0.18%) that you could go with the player bet if you find it more entertaining.
But under no circumstances should you ever take the tie bet. That’s one of the worst house edge figures in the casino for a table game.
You can sometimes find a casino which offers a “reduced commission” on the banker bet. Instead of charging a 5% commission, they might charge a 4% or 3% commission—or less.
Any reduction in the commission on this bet results in a lower house edge for the game, which means that the banker bet is even better at such a casino running such a special.