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Free Baccarat

An eight-deck shoe, played for chips that are worth nothing, with the cost of each bet shown before the cards come out.

Play chips

1,000

No real money, no prizes, nothing to buy.

8-deck shoe · 416 left

    Player
    Banker

    Pick a chip and bet on Player, Banker or Tie.

    Session coach

    Last round

    Nothing played yet. After each of your coups the coach says what the round cost and what decided it.

    Decide the cost before you start

    Gambling is entertainment with a price, like a concert ticket. The useful question is not how much you might win but how much the evening is allowed to cost. Pick that number first, and treat reaching it as the end of the session. You can set one below and the coach will hold you to it.

    Next bet

    No bet lined up. Once there is one, its expected cost shows here before you play it.

    This table is for practice and entertainment only. How to keep gambling safe

    What your bets cost

    Player edge
    1.24%
    No bet
    Tie edge
    14.36%
    No bet
    Banker edge
    1.06%
    No bet
    Expected cost of this coup
    0

    Banker is the cheapest bet on the table even after the 5% commission, Player is close behind, and Tie costs more than ten times either. Nothing about the cards already dealt changes that in any way you can use. See the odds worked through

    This session

    Coups
    0
    Chips staked
    0
    Net chips
    0
    Expected at these edges
    0

    Expected is each bet's house edge taken on the chips you put on it. A short session swings well away from it in both directions.

    Built by Alexander Korsager · last updated October 3, 2026 · corrections

    House edge on Banker, after the commission
    1.06%
    House edge on Player
    1.24%
    House edge on Tie at 8 to 1
    14.36%
    Cards in the shoe, dealt by fixed rules
    416

    01 / 03

    A table that prices the three bets

    Baccarat looks complicated from the rail and is the simplest game in the casino to play.

    You bet on which of two hands will finish closer to nine, or on a tie, and the cards are drawn by fixed rules that nobody at the table can influence. There is no decision to practice after the bet.

    One coup, drawn by the rules

    • Player

      Two cards count 5. Draws a third card.

      9

    • Banker

      Two cards count 6. Stands.

      6

    Player finishes closer to nine. Only the last digit of a total counts, and neither draw was anyone's choice.

    What is worth learning is that the three bets are not priced alike.

    At this table Banker costs 1.06% of the chips staked, Player 1.24%, and Tie 14.36%. The panel beside the table prices whatever you put down before the deal, so the difference is in front of you every time you reach for the Tie.

    What each bet costs
    • Banker1.06%

      Pays 1 to 1 less a 5% commission

    • Player1.24%

      Pays 1 to 1

    • Tie14.36%

      Pays 8 to 1

    House edge as a share of the chips staked, for a full 8-deck shoe.

    02 / 03

    Rules at this table

    When the Banker hand draws a third card
    Banker hasPlayer stoodPlayer's third card counts 0Player's third card counts 1Player's third card counts 2Player's third card counts 3Player's third card counts 4Player's third card counts 5Player's third card counts 6Player's third card counts 7Player's third card counts 8Player's third card counts 9
    0DrawsDrawsDrawsDrawsDrawsDrawsDrawsDrawsDrawsDrawsDraws
    1DrawsDrawsDrawsDrawsDrawsDrawsDrawsDrawsDrawsDrawsDraws
    2DrawsDrawsDrawsDrawsDrawsDrawsDrawsDrawsDrawsDrawsDraws
    3DrawsDrawsDrawsDrawsDrawsDrawsDrawsDrawsDrawsStandsDraws
    4DrawsStandsStandsDrawsDrawsDrawsDrawsDrawsDrawsStandsStands
    5DrawsStandsStandsStandsStandsDrawsDrawsDrawsDrawsStandsStands
    6StandsStandsStandsStandsStandsStandsStandsDrawsDrawsStandsStands
    7StandsStandsStandsStandsStandsStandsStandsStandsStandsStandsStands

    D draws, S stands. The columns are what the Player's third card counts, and the table applies when neither hand has a natural.

    • 8 decks, dealt from a shoe and reshuffled when it runs down to the cut card.
    • Aces count one, tens and face cards count zero, and a hand's value is the last digit of its total.
    • A total of 8 or 9 on the first two cards is a natural: both hands stand.
    • The Player hand draws a third card on 0 to 5 and stands on 6 or 7.
    • The Banker hand draws by the standard table, which depends on its own total and the Player's third card.
    • Player pays 1 to 1. Banker pays 1 to 1 less a 5% commission. Tie pays 8 to 1.
    • On a tie, Player and Banker bets are returned.

    • Any bet takes up to 500 chips. Your bets stay down for the next coup until you clear them. Side bets such as pairs are not offered.

    FAQ

    Is this baccarat game played for real money?
    No. The table uses play chips that have no value, cannot be bought, and cannot be cashed out or exchanged for anything. If you run out, you are handed another stack for free. There is no account and nothing to download.
    Which baccarat bet is best?
    Banker. It wins slightly more often than Player because of the third-card rules, and it stays the cheaper bet even after the 5% commission: 1.06% against 1.24%. Tie pays 8 to 1 but comes up far less often than that price implies, and costs 14.36%.
    Do the results on the scoreboard help predict the next hand?
    No. The beads show what has happened, and each coup is dealt from the shoe by fixed rules whatever came before it. Streaks and patterns appear in any random sequence. Following them changes nothing about what a bet costs.
    How are the cards dealt?
    All 416 cards are shuffled in your browser so that every ordering is equally likely, and dealt in order from there. The third-card rules are applied automatically, exactly as a dealer applies them. Nothing depends on your bets or your results.

    How this game works

    The table deals from a shoe of 8 decks shuffled in your browser, and draws third cards by the standard punto banco rules. The house edges are the figures the baccarat odds tool derives from the eight-deck outcome probabilities: 1.06% on Banker at a 5% commission, 1.24% on Player, and 14.36% on Tie at 8 to 1.

    The expected cost of a coup is each bet's edge multiplied by the chips on it, added together. The session figure is the same sum over every coup you have dealt.

    Limits

    • The edges are for a full eight-deck shoe. They move very slightly as cards leave it, by far too little to act on.
    • Some tables pay Tie at 9 to 1, or drop the commission and change a Banker payout instead. Those games are priced differently and are not dealt here.
    • Play chips do not feel like money. A losing run that is easy to sit through here is harder with a real stake.

    This is a practice game for adults. It has no real-money play and links to none. Baccarat played for money has a house edge on every bet, and no pattern on the scoreboard removes it.

    Gambling can cause serious harm. The National Problem Gambling Helpline is free, confidential and open 24/7, call or text 1-800-MY-RESET (1-800-697-3738), or chat at ncpgambling.org/chat.

    03 / 03

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