Gambling terms, explained straight

Casino & Table Games

Baccarat commission chart

A baccarat commission chart is a payout reference that shows the commission deducted from winning Banker bets, typically 5%.

Standard commission
5% on winning Banker bets16
Equivalent payout
Banker wins pay 19 to 20, which is even money less the 5% commission16
House edge (eight decks)
1.06% on Banker, 1.24% on Player, 14.36% on Tie57

Key points

  • The chart applies only to Banker bets; Player and Tie bets pay at even money or higher without commission.
  • In some no-commission variants, a Banker win with a total of 6 pays 1 to 2 instead of the usual 1-to-1.34
  • Casinos may deduct the commission directly from winnings or track it separately for later settlement.2

Where this term is used

Not the same as

  • Baccarat game — the full set of dealing and betting rules, not just the payout reference for one bet type
Casino games Baccarat probability chart Shows the probability of each outcome (Player, Banker, Tie) in baccarat. Casino games Baccarat third card rules chart A reference for when the Player or Banker draws a third card. Casino games Casino baccarat rules The complete rules of baccarat as played in casinos. Casino games Baccarat odds The probabilities and house edges for each baccarat bet. Casino games Baccarat draw rules The rules determining when a third card is drawn. Casino games Baccarat hit rules The rules for when the Player and Banker hands receive a third card.

Sources

  1. Baccarat en.wikipedia.org Provides the standard 5% commission and 19-to-20 payout for Banker bets.
  2. Vigorish en.wikipedia.org Explains that vigorish can refer to the 5% banker commission and how casinos settle it.
  3. Commission Free Baccarat wizardofodds.com Describes no-commission variants where a Banker 6 pays 1 to 2.
  4. Tiger No Commission Baccarat wizardofodds.com Covers Tiger No Commission Baccarat and its special payout rules.
  5. House Edge of Casino Games Compared wizardofodds.com Lists house edges for eight-deck baccarat: 1.06% Banker, 1.24% Player, 14.36% Tie.
  6. 百家乐 wizardofodds.com Confirms the 5% commission and 19-to-20 payout on Banker wins.
  7. Live Baccarat Dealer - Online Casinos wizardofodds.com Provides the house edge figures for eight-deck baccarat.

Sources are drawn from regulators, universities and published research, and each one is labelled with what it actually is — a preprint is not called a paper. Bookmaker and affiliate pages are never cited here, because a page that sells betting is not a neutral authority on it.

Written and maintained by Ellis Warrender, writer and maintainer.

Last updated 28 July 2026. Spotted an error? Tell me and it gets fixed and logged on the corrections page.