Last Updated: January 6, 2015

# EZ Baccarat

## Introduction

I first saw EZ Baccarat on July 3, 2004, at the Plaza in Las Vegas. Since then it has picked up many more placements and has become one of the most popular baccarat variants.

## Rules

The rules followed standard baccarat except on the Banker bet: (1) all wins pay even money, and (2) if the banker wins with a three-card total of 7, then the banker bet will push. There are a couple of side bets added, the Dragon 7 and Panda 8, which are explained below.

The following table shows the possible outcomes of the Banker bet, based on eight decks. The lower right cell shows a house edge of 1.02%

### Banker Bet

Event Pays Combinations Probability Return
Banker win (except on 3-card 7) 1 2,179,619,555,108,870 0.436064 0.436064
Banker win on 3-card 7 0 112,633,011,329,024 0.022534 0.000000
Tie 0 475,627,426,473,216 0.095156 0.000000
Player wins -1 2,230,518,282,592,250 0.446247 -0.446247
Total 0 4,998,398,275,503,360 1.000000 -0.010183

## Dragon 7

The Dragon 7 bets wins on a Banker winning three-card total of seven. The following table shows the probability and return of each event, based on eight decks. The lower right cell shows a house edge of 7.61%.

### Dragon 7

Event Pays Combinations Probability Return
Win 40 112,633,011,329,024 0.022534 0.901353
Loss -1 4,885,765,264,174,340 0.977466 -0.977466
Total   4,998,398,275,503,360 1.000000 -0.076113

## Panda 8

The Panda 8 bets wins on a Player winning three-card total of eight. The following table shows the probability and return of each event, based on eight decks. The lower right cell shows a house edge of 10.19%.

### Panda 8

Event Pays Combinations Probability Return
Win 25 172,660,763,262,976 0.034543 0.863580
Lose -1 4,825,737,512,240,380 0.965457 -0.965457
Total   4,998,398,275,503,360 1.000000 -0.101876