Is no-commission baccarat better?
Slightly, on the banker bet, in the common version where a banker win with three cards totaling 7 pushes. The player bet is unchanged.
On an 8-deck shoe banker costs 1.058% with a 5% commission and 1.018% without it. A banker win with a three-card 7 comes up 2.25% of the time. Player stays at 1.24% either way.
Banker with and without commission
| Shoe | 5% commission | No commission | Three-card 7 wins |
|---|---|---|---|
| 8 decks | 1.058% | 1.018% | 2.25% |
| 6 decks | 1.056% | 1.016% | 2.25% |
| 4 decks | 1.052% | 1.012% | 2.25% |
| 2 decks | 1.039% | 0.998% | 2.25% |
| 1 deck | 1.012% | 0.968% | 2.25% |
House edge per hand bet on banker, ties counted as pushes. In the no-commission game a banker win with three cards totaling 7 pushes.
Why
No-commission games pay banker wins at 1 to 1 and take their edge back another way. In the version computed here, a banker win made with three cards totaling 7 pushes instead of paying. That hand is rare, and it costs the player a little less than 5% of every banker win did. Other versions pay only half on some banker wins instead; check the rule printed on the table, because the price depends on it.