House edge is the built-in mathematical advantage the online casino has over you as you play over time. It describes the percentage of your money that will be returned to the casino as you gamble over a long period. In baccarat, the house edge depends on the type of bet you place. The banker has the lowest house edge (1.06%), while the player has a 1.24% house edge, and the tie bet’s house edge is the highest among all three (14.40%).