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Last Updated: February 2, 2021

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Lucky 99

Introduction

Baccarat 99 is a baccarat side bet, seen on multi-game machines called Casino Wizard. The bet wins if at least one side gets a natural nine.

Rules

The rules are quite simple. If the Player side only has a natural nine, then the Lucky 99 bet pays 2 for 1. If the Banker side only has a natural nine, then the Lucky 99 bet pays 5 for 1. If both sides have a natural nine, then the Lucky 99 bet pays 25 for 1.

Analysis

The following table shows my analysis of Lucky 99. The bottom right cell shows an expected return of 82.58%. In other words, a house edge of 17.42% (ouch!).

Lucky 99 Analysis

Event Pays Combinations Probability Return
Player and banker natural nines 25 44,838,810,157,056 0.008971 0.224266
Banker natural nine 5 429,522,620,252,160 0.085932 0.429660
Player natural nine 2 429,522,620,252,160 0.085932 0.171864
No naturals 9's 0 4,094,514,224,841,980 0.819165 0.000000
Total   4,998,398,275,503,360 1.000000 0.825790

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