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Baccarat Side Bets
Dragon Bonus
The "Dragon Bonus" is a popular pair of side bets in mini baccarat. The following two tables show the possible outcomes of both the banker and player Dragon Bonus bets, based on eight decks. The lower right cells show a house edge of 2.65% on the player Dragon Bonus and 9.37% on the banker Dragon Bonus.
Dragon Bonus — Player
Event  Pays  Combinations  Probability  Return 

Win by 9  30  18,409,431,764,992  0.003683  0.110492 
Win by 8  10  34,097,645,543,424  0.006822  0.068217 
Win by 7  6  89,590,261,473,280  0.017924  0.107543 
Win by 6  4  141,238,897,317,888  0.028257  0.113027 
Win by 5  2  166,169,165,987,840  0.033244  0.066489 
Win by 4  1  186,780,352,174,080  0.037368  0.037368 
Natural win  1  812,685,054,124,032  0.162589  0.162589 
Natural tie  0  89,325,908,267,520  0.017871  0 
Loss  1  3,460,101,558,850,300  0.692242  0.692242 
Totals  4,998,398,275,503,350  1  0.026517 
Dragon Bonus — Banker
Event  Pays  Combinations  Probability  Return 

Win by 9  30  15,390,342,909,952  0.003079  0.092372 
Win by 8  10  28,305,092,784,128  0.005663  0.056628 
Win by 7  6  79,517,099,278,336  0.015909  0.095451 
Win by 6  4  119,200,072,366,080  0.023848  0.095391 
Win by 5  2  157,275,882,332,160  0.031465  0.062931 
Win by 4  1  201,147,167,287,296  0.040242  0.040242 
Natural win  1  812,685,054,124,032  0.162589  0.162589 
Natural tie  0  89,325,908,267,520  0.017871  0 
Loss  1  3,495,551,656,153,850  0.699334  0.699334 
Totals  4,998,398,275,503,350  1  0.093731 
The final table shows the house edge on each bet according to the number of decks.
Dragon Bonus House Edge
Number of decks 
Player House Edge 
Banker House Edge 

4  2.70%  9.42% 
6  2.67%  9.39% 
8  2.65%  9.37% 
456
This is a side bet rumored to be seen at the Atlantic City Hilton. There are three bets available on the total number of final player and banker cards. 4 cards pays 3 to 2, and 5 and 6 pay 2 to 1. The following table shows the probability of winning and expected value of each bet, based on six and eight decks.
456 Side Bet — 6 Decks
Total Cards 
Probability  Pays  Return 

4  0.378925  1.5  0.052688 
5  0.303540  2  0.089380 
6  0.317535  2  0.047395 
456 Side Bet — 8 Decks
Total Cards 
Probability  Pays  Return 

4  0.378868  1.5  0.05283 
5  0.303444  2  0.089668 
6  0.317687  2  0.046939 
Big and Small
The Big and Small are side bets found at Internet casinos using Playtech software.
The Small bet is the same as the 4 bet above, paying 3 to 2 if the total Player and Banker cards equals four. Based on six decks, the probability of winning is 37.8925% and the house edge is 5.26875%.
The Big bet pays if the total Player and Banker cards equals five or six and pays 0.54 to 1. Based on six decks, the probability of winning is 61.1075% and the house edge is 4.35445%.
Either Pair
The Either Pair bet can be found at Internet casinos using Playtech software. It pays if the first two cards of the Player or Banker form a pair. A win pays 5 to 1. The following table shows the probability of winning and expected return under for six and eight decks. They use six at Playtech.
Either Pair
Decks  Probability  Exp. Ret. 

6  0.142439  0.145365 
8  0.143817  0.137099 
Perfect Pair
The Perfect Pair bet can be found at Internet casinos using Playtech and Evolution Gaming software. The two software companies follow different rules, as follows.
Playtech RulesUnder the Playtech rules, the Perfect Pairs bet pays if the first two cards of the Player or Banker form a suited pair. A win pays 25 to 1. The following table shows the probability of winning and expected return under for six and eight decks. They use six at Playtech. The following table shows the probability of winning and expected return for six and eight decks.
Perfect Pair — Playtech Rules
Decks  Probability  Exp. Ret. 

6  0.031896  0.170716 
8  0.033450  0.130294 
Evolution Gaming Rules
The Evolution Gaming rules are the same as the Playtech rules, except if both the Player and Banker hands are equal in both rank and suit (but not necessarily to each other), then the bet shall pay 250 to 1, instead of 25 to 1. Eight decks are used instead of six. The following table shows the probability and contribution to the return of all possible outcomes. The lower right cell shows a house edge of 6.62%.
Perfect Pair — Evolution Gaming Rules
Event  Pays  Combinations  Probability  Return 

Two perfect pairs  250  2,101,008  0.000285  0.071176 
One perfect pair  25  244,747,776  0.033166  0.829138 
No perfect pairs  1  7,132,734,336  0.966550  0.966550 
Total  7,379,583,120  1.000000  0.066235 
Lucky Bonus
Lucky Bonus is a side bet found in the commissionfree baccarat game at the Pala casino in California. The bet pays 18 to 1 if the banker gets a winning six. The table below shows a player advantage of 2.34%. That is not a mistake; the bet has a player advantage. However, the player can not bet more than 10% of his banker bet on the Lucky Bonus. The house edge on the banker bet is 1.33%, for a combined house edge of 1.11%.
Lucky Bonus — 8 Decks
Event  Pays  Combinations  Probability  Return 

Banker win on 6  18  269232304455680  0.053864  0.969547 
All other  1  4729165971047680  0.946136  0.946136 
Total  4998398275503360  1  0.023411 
3Card Six
3Card Six is a side bet found in the commissionfree baccarat game at the Pala casino in California. The bet pays 100 to 1 if both player and banker get a 3card six, 8 to one if one of them does, and loses otherwise. The table below shows a house edge of 13.37%.
3Card Six — 8 Decks
Event  Pays  Combinations  Probability  Return 

Two threecard 6  100  11932746197248  0.002387  0.238731 
One threecard 6  8  347224932859904  0.069467  0.555738 
All other  1  4639240596446200  0.928145  0.928145 
Total  4998398275503350  1  0.133676 
Lucky Six
Lucky Bonus is a side bet found in the commissionfree baccarat game at the Marina Bay Sands in Singapore, known there as Nepal Baccarat. The bet wins if the Banker has a winning total of six. It pays 20 to 1 if the Banker hand is composed of three cards, and 12 for two cards. The following table shows the probability and contribution to the return for each possible outcome, based on eight decks. The lower right cell shows a house edge of 16.68%.
Lucky Six — Eight Decks
Event  Pays  Combinations  Probability  Return 

Winning 3card 6  20  83,058,367,551,488  0.016617  0.332340 
Winning 2card 6  12  186,173,936,904,192  0.037247  0.446961 
Other  1  4,729,165,971,047,680  0.946136  0.946136 
Total  4,998,398,275,503,360  1.000000  0.166836 
Super 6
The Super 6 is a side bet on a winning Banker total of 6 played on what I call the U.K. variant of commissionfree baccarat. This side bet can be found at some Internet casinos with a live dealer feature.
The Super 6 pays 12 to 1 on a winning Banker total of six. The following table breaks down the odds. The lower right shows a house edge of 29.98% (ouch!).
Super 6
Event  Pays  Combinations  Probability  Return 

Winning Banker 6  12  269,232,304,455,680  0.053864  0.646365 
All other  1  4,729,165,971,047,680  0.946136  0.946136 
Total  4,998,398,275,503,360  1.000000  0.299772 
Dragon 7
The Dragon Bet is a side bet found in the game EZ Baccarat. The bet pays 40 to 1 if the banker gets a winning 3card 7. The table below shows a house edge of 7.61%.
Dragon 7
Event  Pays  Combinations  Probability  Return 

Banker win on 3card 7  40  112633011329024  0.022534  0.901353 
All other  1  4885765264174340  0.977466  0.977466 
Total  4998398275503360  1  0.076113 
For information on counting the Dragon 7 bet, visit my page Card Counting the Dragon Side Bet in EZ Baccarat by Eliot Jacobson.
Panda 8
The Panda 8 is a side bet found in some EZ Baccarat games. The bet pays 25 to 1 if the player gets a winning 3card 8. The table below shows a house edge of 10.19%.
Panda 8
Event  Pays  Combinations  Probability  Return 

Win  25  172,660,763,262,976  0.034543  0.863580 
Lose  1  4,825,737,512,240,380  0.965457  0.965457 
Total  4,998,398,275,503,360  1.000000  0.101876 
For information on counting the Panda 8 bet, visit my page Card Counting the Panda 8 Side Bet in EZ Baccarat.
Royal Match
I have an uncomfirmed report that at some casinos in London have a side bet on a the player or banker getting a king and queen in the first two cards, called the "Royal Match." It should not be confused with the side bet of the same name in blackjack. The bet pays 75 for 1 for a suited king/queen, and 30 for 1 for an unsuited king/queen. A single bet pays for both player and banker hands, so the return column in the following table is the product of the probability, win, and 2 (for two hands). The lower right cell shows a return of 97.87%, for a house edge of 2.13%.
Royal Match — 8 Decks
Event  Pays  Combinations  Probability  Return 

Suited K/Q  75  256  0.002966  0.444856 
Unsuited K/Q  30  768  0.008897  0.533828 
All other  0  85296  0.988137  0 
Total  86320  1  0.978684 
Bellagio Bet
On January 12, 2010 I noticed an electronic baccarat game at the Bellagio, in which multiple players play against an animated dealer on a video screen. The rules looked standard, except there were a pair of pair bets (player and banker) that paid a premium for a three of a kind. As the tables below show, the probability of a Player three of a kind is 0.3036%, and 0.2835% on the Banker. However, strangely, the Player three of a kind paid more at 75 to 1 than the Banker three of a kind at 68 to 1. The following two tables, based on eight decks, show the overall house edges are 5.27% on the Player, and 8.57% on the Banker.
Player Pair — 8 Decks
Event  Pays  Combinations  Probability  Return 

Three of a kind  75  15173295632640  0.003036  0.227672 
Pair  9  358201033380864  0.071663  0.644968 
Loser  1  4625023946489860  0.925301  0.925301 
Total  4998398275503360  1  0.05266 
Banker Pair — 8 Decks
Event  Pays  Combinations  Probability  Return 

Three of a kind  68  14171102634240  0.002835  0.192789 
Pair  9  359203226379264  0.071864  0.646773 
Loser  1  4625023946489860  0.925301  0.925301 
Total  4998398275503360  1  0.085739 
Color in Majority
This is a set of three side bets I noticed at a live dealer Internet casino. The odds are adjusted at each betting opportunity, as the shoe is dealt. The following table shows the odds at the beginning of an eightdeck shoe and converted to a "to one" basis. Why "more black cards" pays more than "more red cards," I have no idea. The odds are exactly the same on both.
Color in Majority
Event  Pays  Combinations  Probability  Return 

More red cards  1.5  1,892,467,242,879,610  0.378615  0.053463 
More black cards  1.53  1,892,467,242,879,610  0.378615  0.042104 
Equal red and black cards  2.87  1,213,463,789,744,120  0.242771  0.060476 
All Red/Black
This is a set of two side bets I noticed at a live dealer Internet casino. The odds are adjusted at each betting opportunity as the shoe is dealt. The following table shows the odds at the beginning of an eightdeck shoe with odds converted to a "to one" basis. There is no bet available for a mixture of red and black cards, but I include it in the table for informational purposes. Why "all black" pays more than "all red," I have no idea. The probability is exactly the same for both.
All Red/Black
Event  Pays  Combinations  Probability  Return 

All red cards  22  186,891,927,234,688  0.037390  0.140030 
All black cards  24  186,891,927,234,688  0.037390  0.065250 
Mixed red and black cards  4,624,614,421,033,980  0.925219 
First Two Banker/Player Cards Same Suit
This is a set of two side bets I noticed at a live dealer Internet casino. It pays if the first two Player or Banker cards are the same suit. The odds are adjusted at each betting opportunity as the shoe is dealt. The following table shows the return table for either bet assuming a win of 2.87 to one, which is the initial setting for the Player bet.
First Two Player Cards Same Suit
Event  Pays  Combinations  Probability  Return 

Win  2.87  21,424  0.248193  0.712313 
Loss  1  64,896  0.751807  0.751807 
Total  86,320  1.000000  0.039494 
For some strange reason, the win for the first two Banker cards starts at 2.86, as opposed to the 2.87 for the Player. This increases the house edge from 3.95% to 4.20%.
Total Points Over/Under 9.5
This is a set of two side bets I noticed at a live dealer Internet casino. It pays based on the sum of the final Player and Banker points (so a maximum of 18). The odds are adjusted at each betting opportunity as the shoe is dealt. The following table shows the odds at the begging of an eightdeck shoe. The pays were converted to a "to one" basis.
Total Points Over/Under 9.5
Event  Pays  Combinations  Probability  Return 

Under 9.5 points  1.23  2,141,179,778,831,870  0.428373  0.044728 
Over 9.5 points  0.66  2,857,218,496,671,490  0.571627  0.051099 
Total Points Odd/Even
This is a set of two side bets I noticed at a live dealer Internet casino. It pays based on whether the sum of the final Player and Banker points will be odd or even. The odds are adjusted at each betting opportunity as the shoe is dealt. The following table shows the odds at the begging of an eightdeck shoe. The pays were converted to a "to one" basis.
Total Points Odd/Even
Event  Pays  Combinations  Probability  Return 

Total points odd  0.92  2,500,277,749,981,180  0.500216  0.039586 
Total points even  0.91  2,498,120,525,522,180  0.499784  0.045412 
Natural Wins
There are various side bets on Banker and Player natural hands. I list those I know of in my page on Baccarat Natural Hand Side Bets.
Matching Dragon
Information on this bet has been moved to my page on the Matching Dragon.
Lucky 8
For information on this side bet, please see my page on Lucky 8.
Rabbit Play
For information on this side bet, please see my page on Rabbit Play bet.
Quik
For information on this side bet, please see my page on Quik Baccarat bet.
Power 8's
For information on this side bet, please see my page on Power 8's bet.
Lucky Max
For information on this side bet, please see my page on the Lucky Max bets.
One Up
For information on this side bet, please see my page on the One Up bet.
Egalities
Egalitie bets are on a specific tie, like a 77 tie. These are commonly found in the United Kingdom. You can find information about them in my Egalite bets page.
Internal Links
Go back to baccarat
Go to baccarat appendix 1
Go to baccarat appendix 2
Go to baccarat appendix 3
Go to baccarat appendix 4
Go to baccarat appendix 6
Go to baccarat appendix 7
Written by: Michael Shackleford