Placing your bets on the banker to win is the smart move to make because the house always has the edge and your chances of winning increase. Baccarat online has a house edge that is variable depending on the bet you place. If you wish to bet that you will win, that edge is 1.24%. If, however, you favour the banker, then the house edge drops to 1.06%. The return isn't exactly the best, coming in at 0.95 to 1, but what you must not do is bet on a tie despite its appealing odds of 8 to 1.