EZ Baccarat
Same cards and drawing rules as classic baccarat. Only the Banker payout and two side bets change, and the simulator above runs in EZ mode.
The simulator needs JavaScript. The rules, payouts and house edge are below.
EZ Baccarat rules: what changes
The cards, the totals and the third-card rules stay the same as in classic baccarat. Two things are different:
- No commission: a Banker win pays in full, with no 5% fee.
- The push: if Banker wins with three cards totalling seven, Banker bets are returned. They do not win and they do not lose.
| Bet | Pays | Wins | House edge |
|---|---|---|---|
| Banker | 1 to 1 (push on a three-card 7) | 45.86% | 1.02% |
| Player | 1 to 1 | 44.62% | 1.24% |
| Tie | 8 to 1 | 9.52% | 14.36% |
| Dragon 7 | 40 to 1 | 2.25% | 7.61% |
| Panda 8 | 25 to 1 | 3.45% | 10.19% |
8 decks, exact count of every possible deal. Ties push Banker and Player bets.
Banker house edge: EZ vs classic
- Classic baccarat, Banker paid 0.95 to 1: 1.06%
- EZ Baccarat, Banker with the three-card seven push: 1.02%
| Bet | Pays | Wins | House edge |
|---|---|---|---|
| Banker | 0.95 to 1 (5% commission) | 45.86% | 1.06% |
| Player | 1 to 1 | 44.62% | 1.24% |
| Tie | 8 to 1 | 9.52% | 14.36% |
| Player or banker pair | 11 to 1 | 7.47% | 10.36% |
8 decks, exact count of every possible deal. Ties push Banker and Player bets.
The two Banker edges are close. EZ removes the commission and takes back about the same amount through the push. See baccarat odds for every bet.
Dragon 7 example
Player gets a five and a king (total five) and draws a nine – the total becomes four. Banker gets a two and an ace (total three), draws a four and reaches seven with three cards.
Banker wins with a three-card seven, so the Dragon 7 side bet pays 40 to 1 and Banker main bets push.
This hand comes up with a probability of 2.253%. The Dragon 7 house edge is 7.61%.
Panda 8 side bet
- Wins when: Player wins with three cards totalling eight
- Pays: 25 to 1
- Probability: 3.454%
- House edge: 10.19%
Both side bets have a much higher house edge than the Banker bet, so they cost more per dollar bet over time.
More side bets are compared on the baccarat side bets page.
Try it in the simulator
- Bet on Banker and watch for a three-card seven – the chips come back to you.
- Add the Dragon 7 or the Panda 8 side bet and count how often it hits over a long session.
No betting pattern changes the edge. See can you beat baccarat for why.
Questions
What is EZ Baccarat?
EZ Baccarat is baccarat with no commission on Banker wins. Instead, a Banker win with three cards totalling seven is a push, and the table adds the Dragon 7 and Panda 8 side bets.
Is EZ Baccarat better than regular baccarat?
Not by much. The Banker house edge is 1.02% in EZ Baccarat and 1.06% in classic baccarat with commission.
What does Dragon 7 pay in baccarat?
Dragon 7 pays 40 to 1 when Banker wins with three cards totalling seven. Its house edge is 7.61%.
What is the Panda 8 bet?
Panda 8 wins when Player wins with three cards totalling eight and pays 25 to 1. Its house edge is 10.19%.
Does the Player bet change in EZ Baccarat?
No. The Player bet works the same as in classic baccarat, and only Banker bets are affected by the three-card seven push.