## 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% |

## 4-5-6

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.

### 4-5-6 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 |

### 4-5-6 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 house edge 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 software. It 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.

### Perfect Pair

Decks | Probability | Exp. Ret. |
---|---|---|

6 | 0.031896 | -0.170716 |

8 | 0.033450 | -0.130294 |

## Lucky Bonus

Lucky Bonus is a side bet found in the commission-free 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 |

## 3-Card Six

3-Card Six is a side bet found in the commission-free baccarat game at the Pala casino in California. The bet pays 100 to 1 if both player and banker get a 3-card six, 8 to one if one of them does, and loses otherwise. The table below shows a house edge of 13.37%.

### 3-Card Six — 8 Decks

Event | Pays | Combinations | Probability | Return |
---|---|---|---|---|

Two three-card 6 | 100 | 11932746197248 | 0.002387 | 0.238731 |

One three-card 6 | 8 | 347224932859904 | 0.069467 | 0.555738 |

All other | -1 | 4639240596446200 | 0.928145 | -0.928145 |

Total | 4998398275503350 | 1 | -0.133676 |

## 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 3-card 7. The table below shows a house edge of 7.61%.

### Dragon 7

Event | Pays | Combinations | Probability | Return |
---|---|---|---|---|

Banker win on 3-card 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 3-card 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 |

## Matching Dragon

The Matching Dragon is a baccarat side bet found somewhere in Macau. I heard it can be found at the Lisboa, but my source wasn't sure.

It is actually 13 side bets, one for each rank. The player is paid according to the number of cards of the chosen rank that appear in the next hand. It does not matter how many cards are dealt the next hand, four to six, they all count. Following is the pay table. All wins are on a "to one" basis.

### Matching Dragon Pay Table

Matching Cards |
Pay Table 1 | Pay Table 2 |
---|---|---|

6 | 100 | 100 |

5 | 60 | 60 |

4 | 40 | 30 |

3 | 20 | 15 |

2 | 3 | 2 |

1 | 1 | 1 |

0 | Loss | Loss |

**Example**: Consider the following hands:

Player: Q22

Banker: KQ2

A bet on a 2 would have paid 20 to 1 for three twos, Q 3 to 1 for two queens, K 1 to 1 for one king, and the other 10 bets would have lost.

The next table shows the number of combinations for each total number of cards for each rank, based on an eight-deck game.

### Matching Dragon Combinations

Rank | Total to Appear | |||||||
---|---|---|---|---|---|---|---|---|

0 | 1 | 2 | 3 | 4 | 5 | 6 | ||

A | 3,372,235,347,405,820 | 1,376,864,854,298,620 | 227,334,747,041,792 | 20,748,232,028,160 | 1,174,231,511,040 | 40,210,759,680 | 652,458,240 | |

2 | 3,374,205,845,711,870 | 1,372,886,682,968,060 | 229,384,762,118,144 | 20,753,336,463,360 | 1,130,651,443,200 | 36,344,340,480 | 652,458,240 | |

3 | 3,375,668,306,236,410 | 1,368,547,890,921,470 | 233,294,440,835,072 | 20,047,474,974,720 | 840,162,535,680 | 0 | 0 | |

4 | 3,376,297,590,838,270 | 1,365,203,603,582,970 | 237,624,138,319,872 | 18,841,460,736,000 | 431,482,026,240 | 0 | 0 | |

5 | 3,369,867,624,655,870 | 1,381,466,839,506,940 | 225,192,490,123,264 | 20,626,123,653,120 | 1,201,241,210,880 | 43,303,895,040 | 652,458,240 | |

6 | 3,360,312,058,915,840 | 1,398,234,533,609,470 | 219,826,491,219,968 | 18,905,100,472,320 | 1,079,228,067,840 | 40,210,759,680 | 652,458,240 | |

7 | 3,360,436,360,129,530 | 1,396,785,482,645,500 | 222,199,903,375,360 | 17,958,953,410,560 | 986,765,414,400 | 30,158,069,760 | 652,458,240 | |

8 | 3,341,662,250,324,990 | 1,429,319,839,928,320 | 212,157,913,151,488 | 14,755,316,551,680 | 502,955,546,880 | 0 | 0 | |

9 | 3,345,838,246,777,850 | 1,419,219,581,763,580 | 219,618,524,149,760 | 13,491,384,115,200 | 230,538,696,960 | 0 | 0 | |

10 | 3,372,222,296,173,560 | 1,376,888,919,302,140 | 227,325,253,173,248 | 20,746,767,360,000 | 1,174,176,276,480 | 40,210,759,680 | 652,458,240 | |

J | 3,372,222,296,173,560 | 1,376,888,919,302,140 | 227,325,253,173,248 | 20,746,767,360,000 | 1,174,176,276,480 | 40,210,759,680 | 652,458,240 | |

Q | 3,372,222,296,173,560 | 1,376,888,919,302,140 | 227,325,253,173,248 | 20,746,767,360,000 | 1,174,176,276,480 | 40,210,759,680 | 652,458,240 | |

K | 3,372,222,296,173,560 | 1,376,888,919,302,140 | 227,325,253,173,248 | 20,746,767,360,000 | 1,174,176,276,480 | 40,210,759,680 | 652,458,240 |

The next table shows the probability for each total number of cards for each rank, based on an eight-deck game.

### Matching Dragon Probabilities

Rank | Total to Appear | |||||||
---|---|---|---|---|---|---|---|---|

0 | 1 | 2 | 3 | 4 | 5 | 6 | ||

A | 0.67466319 | 0.27546121 | 0.04548152 | 0.00415098 | 0.00023492 | 0.00000804 | 0.00000013 | |

2 | 0.67505742 | 0.27466532 | 0.04589165 | 0.00415200 | 0.00022620 | 0.00000727 | 0.00000013 | |

3 | 0.67535001 | 0.27379729 | 0.04667384 | 0.00401078 | 0.00016809 | 0.00000000 | 0.00000000 | |

4 | 0.67547590 | 0.27312822 | 0.04754006 | 0.00376950 | 0.00008632 | 0.00000000 | 0.00000000 | |

5 | 0.67418950 | 0.27638191 | 0.04505293 | 0.00412655 | 0.00024033 | 0.00000866 | 0.00000013 | |

6 | 0.67227777 | 0.27973652 | 0.04397939 | 0.00378223 | 0.00021591 | 0.00000804 | 0.00000013 | |

7 | 0.67230264 | 0.27944662 | 0.04445422 | 0.00359294 | 0.00019742 | 0.00000603 | 0.00000013 | |

8 | 0.66854662 | 0.28595557 | 0.04244518 | 0.00295201 | 0.00010062 | 0.00000000 | 0.00000000 | |

9 | 0.66938208 | 0.28393487 | 0.04393778 | 0.00269914 | 0.00004612 | 0.00000000 | 0.00000000 | |

10 | 0.67466058 | 0.27546603 | 0.04547962 | 0.00415068 | 0.00023491 | 0.00000804 | 0.00000013 | |

J | 0.67466058 | 0.27546603 | 0.04547962 | 0.00415068 | 0.00023491 | 0.00000804 | 0.00000013 | |

Q | 0.67466058 | 0.27546603 | 0.04547962 | 0.00415068 | 0.00023491 | 0.00000804 | 0.00000013 | |

K | 0.67466058 | 0.27546603 | 0.04547962 | 0.00415068 | 0.00023491 | 0.00000804 | 0.00000013 |

The next two tables show the return for each total number of cards for each rank, based on pay tables 1 and 2 and an eight-deck game. The right column shows the total expected return for each of the 13 bets.

### Matching Dragon Return Table — Pay Table 1

Rank | Total to Appear | |||||||
---|---|---|---|---|---|---|---|---|

0 | 1 | 2 | 3 | 4 | 5 | 6 | Total | |

A | -0.674663 | 0.275461 | 0.136445 | 0.083020 | 0.009397 | 0.000483 | 0.000013 | -0.169845 |

2 | -0.675057 | 0.274665 | 0.137675 | 0.083040 | 0.009048 | 0.000436 | 0.000013 | -0.170180 |

3 | -0.675350 | 0.273797 | 0.140022 | 0.080216 | 0.006723 | 0.000000 | 0.000000 | -0.174592 |

4 | -0.675476 | 0.273128 | 0.142620 | 0.075390 | 0.003453 | 0.000000 | 0.000000 | -0.180885 |

5 | -0.674189 | 0.276382 | 0.135159 | 0.082531 | 0.009613 | 0.000520 | 0.000013 | -0.169972 |

6 | -0.672278 | 0.279737 | 0.131938 | 0.075645 | 0.008637 | 0.000483 | 0.000013 | -0.175826 |

7 | -0.672303 | 0.279447 | 0.133363 | 0.071859 | 0.007897 | 0.000362 | 0.000013 | -0.179363 |

8 | -0.668547 | 0.285956 | 0.127336 | 0.059040 | 0.004025 | 0.000000 | 0.000000 | -0.192190 |

9 | -0.669382 | 0.283935 | 0.131813 | 0.053983 | 0.001845 | 0.000000 | 0.000000 | -0.197806 |

10 | -0.674661 | 0.275466 | 0.136439 | 0.083014 | 0.009396 | 0.000483 | 0.000013 | -0.169850 |

11 | -0.674661 | 0.275466 | 0.136439 | 0.083014 | 0.009396 | 0.000483 | 0.000013 | -0.169850 |

12 | -0.674661 | 0.275466 | 0.136439 | 0.083014 | 0.009396 | 0.000483 | 0.000013 | -0.169850 |

13 | -0.674661 | 0.275466 | 0.136439 | 0.083014 | 0.009396 | 0.000483 | 0.000013 | -0.169850 |

### Matching Dragon Return Table — Pay Table 2

Rank | Total to Appear | |||||||
---|---|---|---|---|---|---|---|---|

0 | 1 | 2 | 3 | 4 | 5 | 6 | Total | |

A | -0.674663 | 0.275461 | 0.090963 | 0.062265 | 0.007048 | 0.000483 | 0.000013 | -0.238431 |

2 | -0.675057 | 0.274665 | 0.091783 | 0.062280 | 0.006786 | 0.000436 | 0.000013 | -0.239093 |

3 | -0.675350 | 0.273797 | 0.093348 | 0.060162 | 0.005043 | 0.000000 | 0.000000 | -0.243001 |

4 | -0.675476 | 0.273128 | 0.095080 | 0.056542 | 0.002590 | 0.000000 | 0.000000 | -0.248135 |

5 | -0.674189 | 0.276382 | 0.090106 | 0.061898 | 0.007210 | 0.000520 | 0.000013 | -0.238061 |

6 | -0.672278 | 0.279737 | 0.087959 | 0.056733 | 0.006477 | 0.000483 | 0.000013 | -0.240876 |

7 | -0.672303 | 0.279447 | 0.088908 | 0.053894 | 0.005922 | 0.000362 | 0.000013 | -0.243756 |

8 | -0.668547 | 0.285956 | 0.084890 | 0.044280 | 0.003019 | 0.000000 | 0.000000 | -0.250402 |

9 | -0.669382 | 0.283935 | 0.087876 | 0.040487 | 0.001384 | 0.000000 | 0.000000 | -0.255701 |

10 | -0.674661 | 0.275466 | 0.090959 | 0.062260 | 0.007047 | 0.000483 | 0.000013 | -0.238432 |

11 | -0.674661 | 0.275466 | 0.090959 | 0.062260 | 0.007047 | 0.000483 | 0.000013 | -0.238432 |

12 | -0.674661 | 0.275466 | 0.090959 | 0.062260 | 0.007047 | 0.000483 | 0.000013 | -0.238432 |

13 | -0.674661 | 0.275466 | 0.090959 | 0.062260 | 0.007047 | 0.000483 | 0.000013 | -0.238432 |

It is not difficult to see that this bet would be highly countable, especially with the permissible use of a score card and pen. However, there is a high house edge to overcome as well, especially with pay table 2. Sorry, but you're on your own with that.

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