What is the RTP of Classic Baccarat?

It depends on the bet. The rules list 98.76% for Player, 96.65% for Banker and 98.01% for Tie. Side bets range from 97.09% (Banker Pair) to 98.7% (Perfect Pair).

How much does the Banker bet pay?

Banker pays 0.9:1. In the demo a 5 FUN Banker win returned 9.50 FUN, the stake plus 4.50 FUN.

What happens on a Tie?

The Tie bet wins and the Player and Banker bets push, so those stakes are returned. Player Bonus and Banker Bonus bets lose on a Tie.

When does the Player draw a third card?

The Player draws when its first two cards total 5 or less. Neither hand draws if either one has a natural 8 or 9.

How many decks does Classic Baccarat use?

The shoe holds 8 decks of 52 cards with no Jokers. A new shoe is shuffled when the old one runs out.

Does Classic Baccarat have a bonus buy?

No. It is a table game with no bonus features to buy. The extra options are the six side bets.

Classic Baccarat Guide: Rules, Third Card Drawing, Payouts and Side Bets

By the CasinoDemo editorial team · Updated 2026-11-09 · How we review

Classic Baccarat is BGaming's RNG take on the casino card game. You bet on the Player hand, the Banker hand or a Tie, and the hand closest to 9 wins. On top of that sit six optional side bets, from simple pairs to Player and Banker Bonus bets that pay by winning margin.

We read the full rules screen in the free demo and played a handful of hands to check how the drawing rules and payouts work in practice. This is a table game, so there are no reels, no free spins and no bonus buy. What follows is the rules, the payouts and the RTP of every bet as the game itself lists them.

Play Classic Baccarat demo for free

Classic Baccarat at a glance

Provider: BGaming
RTP: 98.76%
Volatility: Low
Demo: Free, no sign-up

How a round of Classic Baccarat works

You pick a chip, place it on one or more betting areas and press Deal. The demo offered chips of 1, 5, 25, 100 and 1,000 FUN (play money). Double doubles your bet, Rebet repeats the last one, and Clear cancels your last action.

The dealer gives two cards to the Player hand and two to the Banker hand. If either hand totals 8 or 9 with its first two cards (a natural), no more cards are drawn. Otherwise a third card may be dealt under fixed rules. You never decide whether to draw.

Hand values use the last digit of the total. The rules give the example 8 + 6 = 14, which counts as 4. The hand closest to 9 wins. If both hands are equal, the result is a Tie: the Tie bet wins and the Player and Banker bets push, so those stakes are returned.

Classic Baccarat table layout with Player, Banker, Tie and side bet areas and the Scorecards widget — The table: main bets at the bottom, side bets above, Scorecards on top

Card values

The shoe holds 8 decks of 52 cards with no Jokers. Number cards 2 to 9 count at face value, so a 7 is worth 7 points. The 10, Jack, Queen and King are worth 0. An Ace is worth 1. Suits play no part in the main game. When the shoe runs out, a new one is prepared and shuffled.

Third card drawing rules

The Player hand draws a third card when its two-card total is 5 or less. If the Player does not draw, the Banker draws a third card on a total of 5 or less.

If the Player does draw, the Banker's action depends on its own total and on the Player's third card:

Banker 0 to 2: draws. Banker 3: draws unless the Player's third card is an 8. Banker 4: draws if the Player's third card is 2 to 7. Banker 5: draws if the Player's third card is 4 to 7. Banker 6: draws if the Player's third card is 6 or 7. Banker 7: does not draw.

One of our demo hands showed this table at work. The Player had Queen and King (0), drew a Jack and stayed on 0. The Banker held 6 and 8 for 4. Because the Player's third card was a Jack, worth 0 and outside the 2 to 7 range, the Banker stood on 4 and won.

Classic Baccarat rules screen showing the Banker third card drawing table — The Banker drawing table from the in-game rules

Classic Baccarat hand where Banker stands on 4 and beats Player 0 after the Player draws a Jack — Banker stands on 4 after the Player's third card (a Jack) and wins

Main bets and payouts

There are three main bets. Player is a wager that the Player hand finishes higher. Banker is a wager that the Banker hand finishes higher. Tie is a wager that both hands finish on the same value.

Player pays 1:1. Banker pays 0.9:1, which works the same as an even-money payout with 10% taken off the win. In the demo a 5 FUN Banker win returned 9.50 FUN: our 5 FUN stake plus 4.50 FUN.

The Tie payout needs a note. The felt on the table reads 9:1, while the Results table in the rules lists Tie at 9.3:1. Both of our Tie bets lost, so we could not check which one the game actually pays. Read the in-game rules at your casino before you lean on the Tie.

Classic Baccarat with a 5 FUN Banker bet and a 1 FUN Tie bet placed before the deal — 5 FUN on Banker and 1 FUN on Tie

Classic Baccarat Banker 7 beats Player 1, paying 9.50 FUN on a 5 FUN Banker bet — Banker 7 beats Player 1: 9.50 FUN back on a 5 FUN bet

Side bets

Side bets are available only when a main bet is placed. There are six:

Player Pair: the Player's first two cards are the same rank, for example 7 and 7 of different suits. Pays 12:1. Banker Pair: the same for the Banker's first two cards. Pays 12:1. Perfect Pair: the first two cards of either hand are the same rank and suit, for example two Aces of spades. The Results table lists 28.5:1; the felt reads 25:1. Either Pair: the first two cards of either hand form a pair. The Results table lists 5.8:1; the felt reads 5:1. Player Bonus: the Player hand wins by 4 or more points. A natural win pays 1:1, a Tie loses, and if both hands have a natural the bet is returned. Payouts range from 1:1 to 30:1. Banker Bonus: the same, for the Banker hand. Also 1:1 to 30:1.

The rules do not list which winning margin pays which amount on the Bonus bets, only the 1 to 30:1 range, so we will not fill in that table. We placed a 5 FUN Player Pair bet twice; it lost both times.

Classic Baccarat Results table from the rules listing main bet and side bet payouts — Payouts as listed in the Results section of the rules

What happened in our demo hands

We played five hands from a 1,000 FUN balance. The first two had 5 FUN on Player and 5 FUN on Player Pair. Player won both. The second was a natural: Player 4 and 5 for 9 against Banker 3 and Queen for 3, paying 10 FUN back on the Player bet, while the pair bet lost.

The next three had 5 FUN on Banker and 1 FUN on Tie. Banker 7 beat Player 1, then Player 4 beat Banker 2 after both sides drew a third card, then Banker 4 beat Player 0. We finished on 991.50 FUN. Five hands tell you nothing about long-run results, but they do show the 0.9:1 Banker payout and the drawing rules behaving as written.

Classic Baccarat Player natural 9 beats Banker 3, You Win 10.00 FUN — Player natural 9 beats Banker 3

Classic Baccarat hand where both sides draw a third card and Player 4 beats Banker 2 — Both hands draw; Player 4 beats Banker 2

Scorecards and roads

Above the table sits a Scorecards widget. Counters show the round number in the current shoe and how many rounds went to Player, Banker and Tie, plus how many times the Player Pair and Banker Pair won. The roads (Bead Board, Big Road, Big Eye Road, Small Road and Cockroach Road) chart the same history.

Tools below it let you clear the history, deal one free hand without touching your balance, and preview the roads after a Player or Banker win. The rules are clear that the widget is for information only and does not influence the results. Treat the roads as a record, not a forecast.

RTP and max win

The rules list a separate RTP for every bet. Player: 98.76%. Banker: 96.65%. Tie: 98.01%. Player Pair: 97.12%. Banker Pair: 97.09%. Perfect Pair: 98.7%. Player Bonus: 97.35%. Banker Bonus: 97.74%. Either Pair: 97.79%.

Here Player has the best return and Banker the lowest, against the usual baccarat rule of thumb, so go by this game's own numbers. The maximum win is listed as 20.83x the bet.

Our verdict

Classic Baccarat is a clean, faithful RNG baccarat table. The drawing rules are standard and spelled out in full, the side bet menu is generous, and the Scorecards roads are a nice touch for players who like to track a shoe. The odd part is the RTP list: with the Banker paying 0.9:1, the Banker bet returns 96.65% here, while Player returns 98.76%. Check the payout on Tie, Perfect Pair and Either Pair at your casino too, because the felt and the rules table show different numbers.

How to play Classic Baccarat free in Canada

Press Play demo for free on the game page and the BGaming demo loads with virtual credits. There is nothing to download, no account to create and no deposit to make, and it works in your browser on desktop and mobile.

Demo credits have no cash value, so you can test bet sizes, trigger the features and learn the paytable without risking anything.

Playing Classic Baccarat for real money in Canada

Real-money online gambling in Canada is regulated province by province. Ontario runs a regulated market where licensed operators are overseen by iGaming Ontario and the AGCO; other provinces offer play through their own provincial sites, such as PlayNow (British Columbia, Manitoba and Saskatchewan), Loto-Québec, PlayAlberta and ALC in Atlantic Canada.

The legal age is 19 in most provinces and 18 in Alberta, Manitoba and Quebec. Only play at sites licensed where you live, set limits before you start, and treat gambling as entertainment, never as a way to make money.

Classic Baccarat FAQ

What is the RTP of Classic Baccarat?: It depends on the bet. The rules list 98.76% for Player, 96.65% for Banker and 98.01% for Tie. Side bets range from 97.09% (Banker Pair) to 98.7% (Perfect Pair).
How much does the Banker bet pay?: Banker pays 0.9:1. In the demo a 5 FUN Banker win returned 9.50 FUN, the stake plus 4.50 FUN.
What happens on a Tie?: The Tie bet wins and the Player and Banker bets push, so those stakes are returned. Player Bonus and Banker Bonus bets lose on a Tie.
When does the Player draw a third card?: The Player draws when its first two cards total 5 or less. Neither hand draws if either one has a natural 8 or 9.
How many decks does Classic Baccarat use?: The shoe holds 8 decks of 52 cards with no Jokers. A new shoe is shuffled when the old one runs out.
Does Classic Baccarat have a bonus buy?: No. It is a table game with no bonus features to buy. The extra options are the six side bets.

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