Exclusive
€30 FREE
- Deposit €20
- Wager x1
- 7 days
18+ · T&Cs apply
What Is Stake Baccarat?
Quick answer
Stake Baccarat is a Stake Originals card game. You bet on Player, Banker or Tie, two hands are dealt, and the total closer to 9 wins. Stake sets its RTP at 98.90%, a 1.10% house edge overall. Your bet sets the payout and the edge: Player pays 1:1, Banker 0.95:1 and Tie 8:1.
- Player, Banker or Tie, with the drawing rules applied for you
- Every round can be checked with your own seed
- !Tie pays 8:1 but carries a 14.36% house edge
| RTP | 98.90% |
|---|---|
| House edge | 1.10% |
| Bets | Player, Banker, Tie |
| Payouts | Player 1:1, Banker 0.95:1, Tie 8:1 |
| Edge by bet | Banker 1.06%, Player 1.24%, Tie 14.36% |
| Fairness | HMAC-SHA256 seeds |
| Min bet | $0.0001 or equivalent |
Source: Stake's Baccarat page.
How to Play Baccarat on Stake
- Open Baccarat from the Stake Originals lobby. Stay on Manual to play one round at a time.
- Set your Chip Value in the currency you hold and pick a chip from the row, 1 to 1T.
- Place your bet on Player, Banker or Tie before the cards are dealt.
- Total Bet shows your stake for the round. Use Undo or Clear to change your chips.
- Press Bet. Player and Banker each get two cards, any third card follows fixed rules, and the total closer to 9 wins.
- To play a series of rounds, switch to Auto.
Baccarat Payouts and House Edge by Bet
Fixed rules decide whether each hand draws a third card. A total of 8 or 9 on the first two cards ends the deal. Otherwise the Player draws a third card on 0 to 5 and stands on 6 or 7. The Banker draws on 0 to 2, stands on 7, and on 3 to 6 draws or stands depending on the Player’s third card.
Your bet sets what a win pays. Player pays 1:1, even money. Banker pays 0.95:1, 5% less: a winning $100 Banker bet returns $195. Tie pays 8:1 when both hands finish on the same total. Stake also lists the house edge of each bet.
Stake lists 98.90% RTP for Baccarat, a 1.10% house edge overall. Over a long run of rounds that is about $1.10 kept for every $100 wagered. By bet, it is about $1.06 on Banker, $1.24 on Player and $14.36 on Tie. From Bronze VIP ($10,000 wagered), or from sign-up with code BONUSTIIME once Stake support activates it, Stake’s rakeback returns 3.5% of that edge: on the overall 1.10%, about 3.85 cents per $100.
Blackjack and Video Poker, two other Stake Originals card games, run at 99.43% and 99% RTP. To compare every Original, see our house edge table.
What the House Edge Costs
An average cost per $100 wagered, not a fee on each bet.
| Edge | Cost | After rakeback |
|---|---|---|
| 1.10% | $1.10 | $1.06 |
| Bet | Pays | House edge |
|---|---|---|
| Player | 1:1 | 1.24% |
| Banker | 0.95:1 | 1.06% |
| Tie | 8:1 | 14.36% |
Baccarat Strategy: What You Can Control
You control
- Which bet you back: Player, Banker or Tie
- Your Chip Value and how many rounds you play
- A loss limit and a time limit, set before you start
You don’t control
- Which cards are dealt, and whether a third is drawn
- The house edge built into each bet
- Streaks: the last round has no effect on the next
No bet beats the house edge, but your choice of bet changes what it costs. Banker is the cheapest at 1.06%, even with its 0.95:1 payout, and Player is close at 1.24%. Tie pays 8:1, yet its 14.36% edge is more than ten times either of them. Banker pays less than Player and still costs less, so the Banker hand wins a little more often.
Doubling your bet after each loss (Martingale) does not change the edge. It makes losing runs more expensive, and it stops at Stake’s maximum bet and maximum profit per bet.
18+. Play with money you can afford to lose. Stake lets you set limits or self-exclude: see our Stake self-exclusion guide and our responsible gambling page.
How to Check a Baccarat Round
Stake Baccarat turns your seeds into the cards of each round. The third-card rules never change, so once the cards are set, so is the winning hand.
- Before you play, open the game’s fairness settings and note the hashed server seed.
- After your session, rotate your seed: Stake reveals the old server seed.
- Hash it, compare it with the one you noted, then replay any round with your client seed and nonce.
Stake Welcome Offer for New Players
-
-
Before You Claim
Check Stake's terms for how Originals count toward wagering. The €30 needs a €20 deposit, so it is not a no deposit bonus.
Stake Tools
Other Stake Originals
Stake Baccarat FAQ
Is Stake Baccarat Rigged?
No. Each round's cards come from your client seed, Stake's server seed and the nonce, and the third-card rules are fixed, so nobody picks a card during the deal. Stake shows you the server seed's hash first; once you rotate it, you can replay any round.
What Is the RTP of Stake Baccarat?
Stake lists Baccarat's RTP at 98.90%, which leaves a 1.10% house edge overall, about $1.10 kept per $100 wagered. Stake also gives an edge for each bet: 1.06% on Banker, 1.24% on Player and 14.36% on Tie. So Banker returns about 98.94%, Player 98.76% and Tie 85.64%.
Which Baccarat Bet Has the Lowest House Edge?
Banker, at 1.06%, even though a win pays 0.95:1. Player follows at 1.24%, and Tie is far behind at 14.36%. No bet beats the edge: Banker simply costs the least over many rounds.
What Does 0.95:1 Mean on the Banker Bet?
A winning Banker bet pays 95 cents for each $1 staked, and you get your stake back: $100 returns $195. Player pays 1:1, so the same $100 returns $200. The Banker payout is 5% below even money.
How Often Does a Tie Come up in Stake Baccarat?
About once every 10.5 rounds, by our maths. Stake's 14.36% edge means the Tie bet returns 85.64% of what is staked on it. A winning Tie pays 8:1 plus your stake, so a Tie comes up in about 85.64 / (8 + 1) = 9.5% of rounds.
Do You Need to Learn Baccarat's Third-Card Rules?
No. Stake applies them after the first two cards, and its own page says you don't need to memorise the Banker's rules. They only decide whether a hand takes a third card. What you choose is the bet: Player, Banker or Tie.
