2 to 1 Baccarat

Introduction

2 to 1 Baccarat is a baccarat variant found in the Crown casinos of Melbourne and Perth. I understand it is intended for small bettors and has a lower minimum bet than regular baccarat.

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Rules

The rules are the same as conventional baccarat, except as follows.

No commission on winning Banker bets.
A winning 3-card total of 8 or 9 will pay 2 to 1 on both Player and Banker bets.
Ties lose.

Odds

The following table shows the odds for the Player bet. The lower right cell reflects a house edge of 3.62%.

Player Bet

Win	Combinations	Probability	Return
2	356,212,163,551,232	0.071265	0.142531
1	1,874,306,119,041,020	0.374981	0.374981
-1	2,767,879,992,911,100	0.553753	-0.553753
Total	4,998,398,275,503,360	1.000000	-0.036242

The following table shows the odds for the Banker bet. The lower right cell reflects a house edge of 2.20%.

Banker Bet

Win	Combinations	Probability	Return
2	304,079,683,551,232	0.060835	0.121671
1	1,988,172,882,886,660	0.397762	0.397762
-1	2,706,145,709,065,470	0.541403	-0.541403
Total	4,998,398,275,503,360	1.000000	-0.021970

Strategy

If you must play this game, the Banker bet offers a much better bet, with a house edge 1.42% less than the Player bet. However, if you can afford the minimums in regular baccarat, then I would highly recommend playing that instead.

The following table compares the house edge in 2 to 1 Baccarat with regular baccarat.