House Edge Versus RTP: What Five Live Games Really Keep From Each Stake
By TAYA777 Editorial Team
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The house edge is the portion of every bet that a game holds onto on average, and it is the single most useful number on any live table. It is written right into the payouts, which means you can work it out or look it up before you stake a peso. RTP says the same thing from the other side: a 97.30% return and a 2.70% edge describe one bet.
House edge compared: five live games, ranked by cost
Calculated from standard rules, on eight decks for the card games. Live tables print their own payouts, and those decide the real figure if they differ.
| Bet | How it pays | Edge | Lost per ₱500 staked, on average |
|---|---|---|---|
| Banker, 5% off wins | 0.95 to 1 | 1.06% | ₱5.30 |
| Player | 1 to 1 | 1.24% | ₱6.20 |
| Any even-money chip, French single zero | 1 to 1, half back on zero | 1.35% | ₱6.75 |
| Straight up, one-zero wheel | 35 to 1 | 2.70% | ₱13.50 |
| Sic bo Big or Small | 1 to 1, triples lose | 2.78% | ₱13.90 |
| Main bet, half refunded on ties | 1 to 1 | 3.73% | ₱18.65 |
| Dragon Tiger Tie | 11 to 1 | 10.36% | ₱51.80 |
| Baccarat Tie | 8 to 1 | 14.36% | ₱71.80 |
The rule: RTP plus house edge equals 100%. The call: before choosing a game, choose a line on this list. Why: the cheapest and dearest boxes on one baccarat felt sit further apart than most whole games do.
House edge baccarat players should know first
Baccarat holds both ends of the list. Banker’s edge of 1.06% is what remains after the 5% commission, and Player sits just above it. The Tie at 8 to 1 is the dearest bet on the table by a wide margin, and a no-commission table, where a winning Banker 6 pays half, lifts Banker to about 1.46%. The drawing rules behind those figures are on the baccarat third-card page.
Where the arithmetic comes from, game by game
- Roulette. The wheel has 37 pockets and payouts assume 36, which fixes the price at 1 in 37. Every chip on a one-zero roulette layout pays the same.
- Sic bo. Big and Small lose only to the 6 triples among 216 outcomes, so the gap is 6 in 216. Other boxes on the sicbo layout cost far more.
- Dragon Tiger. A tie comes up about 7.47% of the time on eight decks. Whether the table returns half your main bet on it is the whole difference shown on the Dragon Tiger page.
- Crazy Time. The bare number bets return between about 72% and 81%, and multipliers and side rounds add to that by the studio’s own settings. Use the game panel figure; the Crazy Time breakdown shows what can and cannot be worked out from the wheel.
Terms like edge, return and variance have their entries in the casino glossary entries on edge and return. For the rest of the tables, head back to the live casino rule pages.
Turn the edge into pesos and the choice gets concrete. A hypothetical ₱10,000 staked on Banker across an evening costs about ₱106 on average; the same ₱10,000 on the Tie costs about ₱1,436. An edge never tells you what will happen tonight. It tells you what the game costs per peso over time, so treat the figure as the price of entry, and budget for it the way you would for any other evening out.
How to Get Started
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Find the bet you actually plan to make
Prices attach to bets, not games. A baccarat table carries both one of the cheapest and one of the dearest boxes in the room.
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Multiply it by your total action
Take the peso total you expect to stake across the session, not your deposit, and multiply by the edge. That is your average cost.
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Prefer a printed figure where one exists
The numbers here come from standard rules. A table's own help panel may carry different payouts, and on a printed figure the panel wins.
