Baccarat, a game of chance originating from France, has been a staple in casinos around the world. Characterized by its simplicity and elegance, it attracts both high rollers and beginners. However, a persistent misunderstanding about the game confuses many players – the concept of the “bank” versus the “house”. Unfortunately, many equate the bank with the house, leading to confusion and misconceptions about the game.

Understanding the Bank in Baccarat
In Baccarat, the terms “bank” and “player” refer to positions or sides you can bet on, rather than the casino or the individual playing the game. Essentially, the bank and the player represent two competing hands. At the start of each round, bets are placed on either the bank, the player, or on a tie. After bets are placed, two hands are dealt: one to the bank and one to the player. The aim is to bet on whichever hand you think will come closest to a total value of nine.
The role of the bank (or banker) can appear confusing because it does not indicate the actual house or casino but rather one of the possible betting options. Although a commission might be deducted from winning bank bets, this does not mean the bank is synonymous with the house. The misconception stems from the nominal similarity rather than the functional reality of their roles in the game.
The Real Role of the House in Baccarat
Contrary to common belief, the house in Baccarat represents the casino, not the bank. It remains neutral in the game, facilitating it without participating in the competition between the player and the bank. Casinos often take a small commission from wins made on bank bets as part of their revenue, typically around five percent. This commission is how the house edges in the game, ensuring they ultimately profit over time, regardless of how individual rounds play out.
Strategies and Betting on the Bank
Despite the common misconception, betting on the bank is generally considered a strategic advantage in Baccarat. Statistically, the bank’s hand has a slightly higher chance of winning compared to the player’s hand. This advantage is why it levies that small commission on bank bet wins – to balance out the slight probability tilt and maintain fairness and profitability.
Clarifying the distinction between the house and the bank in Baccarat clears one of the most prevalent misconceptions. While the house or the casino facilitates the game and ensures fair play, the bank is merely one of the betting sides, like the player. Recognizing this difference helps players make informed bets and enjoy the game with a better grasp of its mechanics. Understanding these subtleties can turn a game of chance into a more strategic endeavor, offering both excitement and insight into the world of Baccarat.