No Commission Over Under Baccarat
A no-commission baccarat table that pairs a simplified Banker payout with a card-count totals side bet.
appro. 98.76%
RTP
Low to Medium
Volatility
No-commission baccarat with card-count side bet
Table Format
Banker-on-6 pays 0.5:1
Key Rule
No Commission Over Under Baccarat merges two specific rule changes into one live table. First, it removes the standard 5% commission charged on winning Banker bets, paying them at even money instead, with one key exception: if the Banker wins with a total of 6, that bet is paid at a reduced 0.5:1 rather than the usual full payout. This single carve-out is how the operator recovers the house edge that the missing commission would otherwise cost them. Second, the table layers in an Over/Under style side bet, commonly built around the total number of cards dealt in the round rather than the hand value itself; a Small bet wins when exactly four cards are dealt and pays 1.5:1, while a Big bet wins when five or six cards are dealt and pays 0.54:1. Because the underlying drawing rules are unchanged from classic Punto Banco, players who already understand baccarat can adapt to this format almost immediately. Independent factsheets covering the no-commission format list a theoretical payout of roughly 98.76%, slightly lower than standard commission baccarat's 98.94% due to the Banker-on-6 rule.
How to Play No Commission Over Under Baccarat?
The main betting choices are unchanged from classic baccarat, so the only new decision is whether to add the card-count side wager.
Step 1: Open the Live Table
Launch the game and wait for the dealer to open the next betting round.
Step 2: Choose Player, Banker, or Tie
Place your primary wager exactly as you would on a standard baccarat table.
Step 3: Consider the Over/Under Bet
Decide whether to add a Small or Big wager based on how many cards you expect to be dealt that round.
Step 4: Watch the Cards Resolve
The dealer deals and draws under standard Punto Banco rules, with the Banker-6 exception applied automatically if it occurs.
Step 5: Collect Your Payouts
Main and side bets settle together, with the Banker-6 rule and card-count bet paid according to their specific odds.
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FAQs
What exactly does no commission mean on this table?
Winning Banker bets are paid at full even money instead of having the usual 5% commission deducted.
Is there any exception to the no-commission rule?
Yes, if Banker wins with a total of 6, that bet is paid at a reduced 0.5:1 instead of the standard payout.
What triggers the Small side bet win?
The Small bet wins and pays 1.5:1 when exactly four cards are dealt across both hands in the round.
What triggers the Big side bet win?
The Big bet wins and pays 0.54:1 when five or six cards are dealt across both hands in the round.
Does removing commission increase the house edge elsewhere?
Yes, the Banker-on-6 reduced payout is specifically designed to offset the revenue the casino would lose from skipping commission.
What RTP does this format typically carry?
Industry factsheets list the theoretical payout at approximately 98.76%, slightly below standard commission baccarat's 98.94%.
Do the card-drawing rules change from standard baccarat?
No, every drawing rule for when a third card is dealt remains identical to classic Punto Banco.
Can I play this table without using the Over/Under side bet?
Yes, the card-count wager is entirely optional and you can play using only Player, Banker, and Tie.
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Game Features
The table's identity comes from two very specific rule mechanics rather than a cosmetic redesign of standard baccarat.
No Commission on Banker Wins
Winning Banker bets are paid at full even money instead of the usual 1:1 minus 5% commission found at standard tables.
Reduced Payout on Banker-6
The one exception to the no-commission rule is a Banker win with a three-card or two-card total of 6, which pays only 0.5:1 instead of the full amount.
Card-Count Over/Under Bet
The Small side bet wins and pays 1.5:1 when exactly four cards are dealt in the round, while the Big side bet wins and pays 0.54:1 when five or six cards are dealt.
Unchanged Drawing Rules
Every other rule, including when a third card is drawn to Player or Banker, stays identical to classic Punto Banco baccarat.
Slightly Lower Theoretical RTP
Because the Banker-6 rule replaces the standard commission, published factsheets list the format's payout near 98.76%, marginally below standard commission baccarat.
