If you bet on the player’s hand, the payouts are 1 to 1 and the house edge is 1,36 % i.e. for each dollar you’ll be paid a dollar; if you bet on the banker’s hand, the payouts are 1 to 1 as well but the house takes 5 % commission i.e if you win $10, the house is going to take 50 cents. The house edge is 1,17 %; if you bet on the tie, the payouts are 8 to 1 or 9 to 1 depending on the rules of the casino i.e. for each of your dollars you’ll be paid 8 or 9 dollars. But the house edge is 14, 12 % (when the payouts are 8 to 1). The hand is tie when the banker and the player have the same point total. Usually, that does not happen very often and it is not a good idea to bet on it. If you want to reduce the house edge, you should bet on the banker.

Examples:

1. The player has a Queen and 9 (9 points); the banker has – 4 and 4 (8 points). Both hands are natural. No more cards are dealt and the hand ends. The winner is the player.

2. The player has 4 and 2 (6 points); the banker has an Ace and a Jack (1 point). What happens in this case? The player cannot draw a card since he has 6 points. The banker draws a card since he has point total of 2. If he draws 7, he wins.

3. The player has a King and 5 (5 points); the banker has 2 and 4 (6 points). The player has to draw a card. If he draws 7, he is going to have point total of 2 since 5+7=12 and 12 -10=2. In this case, if the banker stands, he is going to win. But since he has to follow the rules and the player drew 7, the banker has to draw a card as well. The only thing he has to pray for is not to draw 5 since 6+5=1 and he is going to have 1 point total. If he draws 6, then it is a tie. But if he draws 8, he wins.

4. If the player has an Ace and 3 (4 points); the banker has 8 and 7 (5 points). What will happen? The player has to draw a card and if it is 9, he is going to have point total of 3 (since 4 +9=13 and 13-10=3). According to the rules, if the banker has point total of 5 and the third card of the player is 9, the banker stands. In this case, the banker wins with 2 points. (the player has 3 points and the banker has 5 points since he stands).