Microgaming Baccarat Review

Microgaming Baccarat Payout Tables and Rules

Game Rules and Payout Details

The payouts are not very hard to figure out or interpret in the game of baccarat. With three different ways to bet - the Player, Banker or tie - there are only three possible payouts. This is probably a plus for the player who is looking for a simple game, as it is very straightforward.

What is less straightforward are the complicated rules that involve the conditions under which a third card is to be taken by either of the two entities - the Player or Banker. basically this is the way it works, as it is explained in the rules:

  • If the Player or the Banker has a total of an 8 or a 9 they both must stand.

  • The Banker can get a third card, if the Player stands and the Bankerís total is 5 or less.

  • If the Playerís total is 5 or less, then the Player gets a third card.

  • If the Player gets a third card, there is a chart available through the help files which outlines the circumstances under which the Banker gets a third card.

Payout Schedule

For a successful wager on either the Banker hand or the Player hand, the base payout is the same - even money. There is, however, a subtle but meaningful difference. While a bet on the Player hand that wins pays off at an even money figure that you keep, successful bets on the Banker will require that you pay a an amount equal to 5% of the win to the house. Betting on the Banker hand actually puts you at an advantage over the house; the 5% commission wipes that out, of course, but the Banker hand is still a better percentage bet than the Player hand.

Any bets on a tie that win are paid off at 8-to-1 odds. However, the odds against a bet like that coming in are about 9.5-to-1, so it is a very low percentage play, by far the worst of the three possible wagers you can make.

Casinos offering this game

Casinos offering this game

Microgaming Baccarat Quick Facts
Software Microgaming
Min. Bet 10
Max. Bet 500
Speed of Game Medium
Autoplay No


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Hot Features of this Game
  • Good introduction for beginners
  • Not a bad percentage game
  • Nice, clear graphics

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