The main bets in baccarat are famous for being cheap. Banker costs 1.06 percent of every unit wagered, Player 1.24 percent, and that is where most guides stop. But a modern baccarat layout, live or online, carries a ring of side bets around those two boxes, and each of them has its own price. Some are among the worst bets in the casino. One or two are surprisingly reasonable. The figures below come from an exact count of every hand an eight-deck shoe can produce under the standard drawing rules, the same enumeration behind the baccarat probability calculator at Baccarat.gg, priced at the pay tables the major live studios and casinos publish.How to read a side betEvery side bet is a probability and a payout. Multiply the probability of winning by the payout plus one (you get your stake back as well as the prize), subtract one, and the result is the expected return per unit. If it is negative, that is the house edge. The Tie bet is the simplest example: a tie comes up 9.52 percent of the time, pays 8 to 1, and the arithmetic gives a house edge of 14.36 percent. That number is worth keeping in mind as a yardstick. Several side bets sit near it. A few sit well below it.The Pair betsPlayer Pair and Banker Pair win when the first two cards of that hand are the same rank. With eight decks that happens 7.47 percent of the time, about one hand in thirteen. A fair payout would be a little over 12 to 1. The usual table pays 11 to 1, and the house edge is 10.36 percent.Either Pair, which wins if either hand opens with a pair, comes in 14.38 percent of the time and typically pays 5 to 1, for an edge of 13.71 percent. It wins twice as often as a single-side pair and costs more.Perfect Pair asks for the same rank and the same suit. One hand opens that way on 3.32 percent of deals, both hands on 0.03 percent. At the common 25 to 1 and 200 to 1 payouts the edge is 8.05 percent, the best of the pair family, though still eight times the price of the Banker bet. One thing worth knowing: Perfect Pair is impossible from a single deck, since there is only one copy of each card, and the probability falls with every deck removed from the shoe.Super 6On No Commission tables the Banker bet pays even money except when Banker wins with a total of 6, which pays half. The casino then offers Super 6, a side bet that a Banker 6 is exactly what will happen. It does happen 5.39 percent of the time, about one hand in nineteen. At 15 to 1 the house edge is 13.82 percent. Some tables pay 12 to 1, and there the edge jumps to 29.98 percent, nearly a third of every unit wagered. Check the placard before you place it; this is the widest spread between two versions of the same bet on the baccarat layout.Dragon 7 and Panda 8These belong to EZ Baccarat, the commission-free variant in which a Banker win on a three-card 7 pushes instead of paying. Dragon 7 is the side bet that the push will happen: Banker wins with a three-card total of 7. It comes up on 2.25 percent of hands, roughly one in 44, and pays 40 to 1. The house edge is 7.61 percent.Panda 8 is its mirror image on the other side of the table: Player wins with a three-card 8. That is a little more common, 3.45 percent or about one hand in 29, and it pays 25 to 1, for an edge of 10.19 percent.Both bets lose on the great majority of hands and pay rarely, so a session on either one feels like a long drought with occasional rain. Over a few hundred hands you can easily see neither of them hit. That is not the bet being unfair; it is what a 1 in 44 event looks like.The Dragon BonusThe Dragon Bonus is the most interesting bet on the layout, because its price depends on which side you take. You bet that your side will win either with a natural (an 8 or 9 on the first two cards) or by a margin of four points or more. A natural win pays even money, as does a win by four points; a win by five pays 2 to 1, and the payout climbs through 4, 6 and 10 to 1 until a win by nine points pays 30 to 1. A natural tie pushes.Taken on the Player side, this bet wins 28.99 percent of the time, and at the pay table the main live studios use the house edge is 2.65 percent. That is low for a side bet, about a fifth of the Tie's price and far lower than anything else in this article.Taken on the Banker side with the same pay table, the edge is 9.37 percent. The difference comes from the drawing rules. Banker acts last and draws on more information, so it wins by a large margin less often than Player does, and the pay table does not make up the difference. The one side bet that is close to reasonable is reasonable only on one side.What the whole picture looks likeSet the figures side by side and the pattern is plain. The main bets cost about one unit per hundred wagered. The Player Dragon Bonus costs under three. The Perfect Pair and the Dragon 7 cost around eight. Everything else runs between ten and fifteen, and the 12 to 1 Super 6 runs to thirty. A player who adds one ordinary side bet at the same stake as the main bet has roughly multiplied the cost of the hand by ten.None of this changes from hand to hand. The probabilities above are the probabilities of the next deal whatever the last twenty deals showed, and the scoreboards on the table record the past without predicting anything. If you want to test that claim rather than take it on trust, the Baccarat Predictor Tool at Baccarat.gg lets you run the common pattern methods against random deals and shows how each one scores against what a fair coin would do.The practical rule for side bets is the same as for the Tie: know the price before you pay it. The calculator linked above lets you enter your own table's payouts, which matters, because the same bet can carry a 14 percent price at one table and a 30 percent price across the aisle.
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