Math
No-commission baccarat is not free
The table says no commission. The math says it charges more. Here is the trick.
The rule change
On a no-commission table Banker pays 1 to 1 instead of 0.95 to 1, except when Banker wins with a total of 6, which pays 1 to 2 (half your stake). That one exception is the whole commission, repackaged.
The numbers
Banker wins with a 6 on about 5.4% of all hands. Losing half your stake on those is worth about 2.7% of the stake, against the 2.3% the standard 5% commission costs across all Banker wins. Net effect:
| Table | Banker house edge |
|---|---|
| Standard, 5% commission | 1.06% |
| No commission, Banker 6 pays half | 1.46% |
Forty percent more house edge on the same bet. The "Super 6" side bet that often sits beside it, paying 12 to 1 on a Banker win with 6, carries a house edge near 14%.
Rack Chasers is built on a live dataset of about 838,000 logged baccarat hands, growing by roughly 130,000 a day, with every rule re-judged nightly against the new shoes. Nothing on this site is a forecast.
What this means for a rule-based player
Break-even for Banker rises from 51.3% to about 51.7% on a no-commission table. If your rule set was measured against standard tables, play standard tables. The app's sizing assumes the 5% commission; a different payout table shifts the target without telling you. Break-even by bet.
Questions
Is no-commission baccarat better for the player?
No. The half-payout on Banker 6 costs more than the 5% commission it replaces: 1.46% house edge against 1.06%.
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GET ACCESSFigures are measurements of logged hands and standard baccarat mathematics as of 2026-09-23. Not a forecast; no outcome is guaranteed. Decision support only; every bet is your own decision. 21+ or your local gambling age.