Banker Seven Baccarat is a commission-free table with a single twist on the main game. Banker pays 1 to 1, but if Banker wins with a three-card 7, Banker bets push. That one rare hand replaces the 5% commission. Two side bets come with the table: Fortune 7 pays big on that same 7, and One Up pays when Player wins by exactly one point. Card rooms in Washington State and California deal this game as Fortune 7 Baccarat.
How to play
Bets. Chips come in 10, 50, 100 and 500. Every spot takes up to 1,000 credits, in steps of 10.
| Bet | Wins when | Pays |
|---|---|---|
| Player | Player has the higher total | 1 to 1 |
| Banker | Banker has the higher total | 1 to 1, but a push on a three-card 7 |
| Tie | Both totals are equal | 8 to 1 |
| Fortune 7 | Banker wins with three cards totalling 7 | 40 to 1 |
| One Up | Player wins by exactly one point | 30 to 1 for 1 over 0, 9 to 1 for any other (2-1, 3-2 … 9-8) |
If the hands tie, Player and Banker bets come back. A Banker 7 on two cards is an ordinary win and pays 1 to 1.
The cards. Aces count 1, 2 to 9 count their pips, and tens and picture cards count 0. Only the last digit of a total matters. Two cards each go to Player and Banker. A total of 8 or 9 is a natural and nobody draws. Otherwise Player draws on 0 to 5, and Banker draws by the standard third-card table. The higher total wins.
What each bet costs
House edge, counted exactly over every possible deal from an eight-deck shoe:
| Bet | House edge |
|---|---|
| Banker (push on three-card 7) | 1.02% |
| Player | 1.24% |
| Fortune 7 | 7.61% |
| One Up | 8.81% |
| Tie | 14.36% |
Strategy
Banker is the best bet on the table. Banker wins with a three-card 7 in about 2.3% of rounds, and pushing then costs Banker bettors a little less than a 5% commission would. At 1.02%, Banker here is even slightly cheaper than at a classic commission table (1.06%).
Fortune 7 is the better of the two side bets. It wins about once in 44 rounds and pays 40 to 1.
One Up wins far more often. A one-point Player win happens about once in twelve rounds (8% of them). Most of those pay 9 to 1, and the rare 1-0 pays 30. Its edge is a bit higher than Fortune 7’s, but the results swing much less.
Same game, different side bets: Seven Push Baccarat has the identical main game with a Player three-card 8 bet instead of One Up.
If you enjoy Banker Seven Baccarat, try Banker Six Baccarat or Barbudi next.
