Real Money Casino Table Games Australia 2026: An Honest Read of the Odds, the Law and the Offshore Pitch

There is no honest way to write a guide to real-money casino table games for an Australian reader that pretends an offshore casino can give them the same thing a Crown Melbourne baccarat pit gives them. It cannot, because no Australian regulator licences online casino games — full stop — and the offshore operators advertising them are operating against the Interactive Gambling Act 2001. The remainder of this page is the analysis that follows from that single fact: which table games are worth playing when you find them in their lawful setting, what the math says about each, who the ACMA has warned, and where a player who has decided to take a punt on a black-market site stands once the site disappears.

This page is current as of 30 October 2026, with operator and licence claims cross-checked against the Australian Communications and Media Authority’s published list of formal warnings.

What “Table Games” Means at a Real-Money Casino

A table game is any game dealt by a human croupier or by an electronic equivalent on a felt-top layout, against which players wager on the outcome of cards, dice or a spinning wheel. Blackjack, roulette, baccarat and craps are the four that have carried the format since the late 18th and 19th centuries, and they remain the spine of every casino floor from the Las Vegas Strip to Crown Sydney. Side games — Casino War, Three Card Poker, Ultimate Texas Hold’em, Caribbean Stud — share the same equipment and the same dealer and are described as table games because of where they sit, not because of any deeper family resemblance.

What distinguishes the category from slot machines and video poker is decision-making. On a poker machine, the result is whatever the random number generator has decided before the player presses spin; on a table game, the player chooses to hit or stand, take the odds or lay them off, bet the Banker or the Player. That choice is what makes basic strategy a real discipline and what compresses the house edge on the best games to fractions of a percent. A punter who plays craps Pass line and blackjack basic strategy gives back about A$1.06 and A$0.28 respectively per A$100 wagered in the long run; the same A$100 dropped into a keno ticket gives back A$71 to A$75. The category divides cleanly between games worth playing and games that exist to be walked past.

How the Math Stacks Up Across the Main Games

House edge is the slice of every dollar wagered that the casino keeps, expressed as a percentage and computed across millions of decisions. It is not what an individual player loses on any given night — variance, not edge, decides that — but it is the truest single number for comparing games against each other. The figures below are taken from Wizard of Odds and Wikipedia’s coverage of standard rule sets, with the more permissive rules used where a venue offers a choice.

Two comparisons matter. First, the spread inside the table itself: a basic-strategy blackjack player loses under 1% of action on average, while a roulette player on an American wheel loses more than five times that. Second, the spread between the best and worst bets inside a single game: a baccarat Tie bet at a 14.36% edge is a worse proposition than almost anything else on a casino floor, while the Banker bet on the same felt is among the cheapest games in the building. Both spreads are the same lesson read in two directions — the choice of game matters, and inside the game the choice of bet matters more.

The Games Worth Knowing

Blackjack: the cheapest game on the floor, conditional on the rule sheet

The first written reference to a blackjack-like game appears in Miguel de Cervantes’ Rinconete y Cortadillo, written around 1601–1602, where the Spanish game veintiuno is described in Castile. The English game vingt-un followed, and the modern American name “blackjack” emerged around 1899 — Klondike Gold Rush prospectors are credited with the coinage. What survives from those four centuries is a two-card game with simple arithmetic: number cards at face value, face cards at ten, ace at one or eleven, dealer drawing to seventeen, and a starting total of 21 — a “blackjack” or “natural” — as the strongest hand.

The reason blackjack has the lowest house edge on the felt is that the player acts first and the dealer’s play is mechanical. Basic strategy — the statistically optimal decision for every player total against every dealer up-card — compresses the edge to fractions of a percent. On a liberal Las Vegas Strip rule sheet (dealer stands on soft 17, double on any two cards, double after split, resplit aces, late surrender) the edge is 0.28%. Atlantic City rules push it to about 0.43%. Those figures are averages across millions of hands; a single session will swing far wider, and the casino wins on most of them even with perfect strategy.

The rule sheet is the part that matters more than the strategy chart. A blackjack table that pays 6-to-5 on a natural instead of 3-to-2 — a variant that has spread through American casinos since the 2010s — pushes the house edge up by roughly 1.4 percentage points, more than wiping out the gain from a perfect basic-strategy routine. The game itself has not changed; the payout has. Variants such as Double Exposure, Blackjack Switch, Spanish 21 and Super Fun 21 alter the rule sheet in different directions, and each rule change moves the edge with it.

Roulette: same wheel, very different math

Roulette is a 1796 Parisian game that descends from an Italian wheel-and-ball device from 1720 and the older Italian game Biribi. A wheel with thirty-seven pockets — numbers 1 to 36 plus a single zero — is the European form; an American wheel adds a second zero, for thirty-eight pockets, and almost doubles the house edge. On a single-zero wheel the edge is 2.70%; on a double-zero wheel it is 5.26%. Both are calculated on every bet type on the layout — red or black, odd or even, single number — because the zeroes are the house’s pocket either way.

The wheels themselves are manufactured to tolerances that prevent any bias-based prediction, and modern casino layouts randomise the position of every number across red and black to break the older visual systems. The game’s reputation for “systems” — the Martingale, the Fibonacci — is a product of the near-50/50 even-money bets rather than any real edge over the house. No progression of bet sizes changes the math, because the math is the wheel.

Baccarat: three bets, only two of them cheap

Baccarat’s origins are contested between 15th-century Italy and 19th-century France, but the form played in casinos worldwide today — punto banco — was fixed in Havana in the 1940s. The casino banks the game permanently and both hands are played out by fixed drawing rules; the player chooses only which of three bets to back. In an 8-deck shoe, the Banker bet carries a house edge of 1.06%, the Player bet 1.24%, and the Tie bet — depending on the felt’s payout — 4.85% at 9-to-1 or 14.36% at 8-to-1.

The reason the Banker bet is cheaper than the Player bet is the drawing rule: the Banker hand draws a third card in some situations where the Player hand would stand, and that rule gives the Banker a small statistical edge. Casinos charge a 5% commission on Banker wins to even the take, but the commission is built into the 1.06% figure above. Card values are simple — 2 to 9 at face, ten and the face cards at zero, ace at one, hand totals taken modulo 10 — and the game has the lowest decision overhead on the felt.

Crown Melbourne lists three approved baccarat variants — Traditional Baccarat, Crown Baccarat and 2 to 1 Baccarat — under rules approved by the Victorian Gambling and Casino Control Commission. In NSW, Liquor & Gaming NSW — acting under delegation from the NSW Independent Casino Commission since September 2022 — must approve any rule changes at the state’s two casinos before they go live, and section 66 of the Casino Control Act 1992 requires the operator to make a copy of the approved rules available on request.

Craps: the Pass line is fine, the props are not

Craps developed in the United States as a simplification of the English game Hazard, which Bernard de Marigny brought from London to New Orleans around 1805; the American simplification had spread through the country by the 1910s. The base game is the Pass line bet — a wager that the shooter will win on the come-out roll or, after establishing a point, hit that point before sevening out. The Pass line carries a 1.41% house edge, which makes it the second-cheapest standard bet on the floor after blackjack.

The proposition bets — the centre of the layout, marked with bright graphics and painted payouts — carry house edges that bear no resemblance to the Pass line. The Field bet runs 5.56%, Any 7 runs 16.67%, and Hard 4 or Hard 10 run 11.11%. The cheapest craps wager apart from the Pass line is the odds bet behind the line, which is paid at true odds on the point and carries no house edge at all; the catch is that odds bets can only be placed behind a Pass or Don’t Pass bet, and the table will cap how many times the original line bet they can match.

Live-Dealer vs RNG: Same Rules, Different Wrapper

A live-dealer table streams a real croupier dealing real cards from a real shoe to a real roulette wheel, and the player wagers through a software interface. An RNG table replaces the croupier and the shoe with a random number generator, and the result is animated on screen. The mathematics of the game is identical between the two formats — the same number of decks, the same drawing rules, the same payouts — but the throughput is not. A live-dealer blackjack table deals roughly 50 to 70 hands per hour, while an RNG table can push 400 or more. More hands per hour means more exposure to the house edge per hour, which is why an online table game session can drain a bankroll faster than the equivalent time at a felt-top table.

Under Australian law the distinction is irrelevant. The Interactive Gambling Act 2001 prohibits the supply of online casino games to a person in Australia, regardless of whether the dealing is live, RNG, or anything in between. The distinction matters only when an Australian player is on a licensed overseas site in a jurisdiction where online casino is legal — and that jurisdiction is not Australia.

The Law as It Stands in 2026

The Interactive Gambling Act 2001, as tightened by the Interactive Gambling Amendment Act 2017, makes it an offence to provide online casino games, online pokies or in-play betting to a person physically in Australia. No state or territory regulator licences online casino games. What is licensed is wagering on races and sport placed before the event, lotteries and keno — most of it through the Northern Territory Racing and Wagering Commission, which regulates 52 of Australia’s online bookmakers despite having no full-time staff and meeting once a month in Darwin.

The individual player is not the target of the Act. The IGA goes after the provider, which means an Australian punter using an offshore site does not face prosecution for using it. What the punter does not have is recourse when something goes wrong — the operator is outside any Australian consumer-protection framework, the Australian Competition and Consumer Commission cannot compel a refund, and the operator can be blocked at the network level with the player’s balance still on the account. The ACMA directed Australian ISPs to block 12 more illegal sites in a round reported on 26 June 2026: 7Signs, ChromaBet, Donbet, Duospin, Freshbet, Slots Gem, Jacks Club, Lucky Start, Pointsbetz, Spinrise, Vinyl Casino and Wildsino.

Payments tightened in 2024. From 11 June 2024, credit cards, credit-related products and digital currency are banned as payment instruments for licensed online wagering; the penalties for operators taking them run up to A$247,500. The lawful deposit routes for a licensed Australian wagering account are debit card, bank transfer, PayID/Osko and BPAY. A site asking an Australian for a credit card or a crypto deposit is operating outside the Australian rules by definition.

The reform package on the table at the time of writing is the Interactive Gambling Amendment (Gambling Reform) Bill 2026, which passed Parliament on 19 August 2026. Its advertising and inducement measures commence on 1 January 2027 — law passed, but not in force yet.

The ACMA’s Blocking Record and What the Pace Tells Us

The blocking-rate arithmetic is what this page adds to the picture. The ACMA’s first blocking request went out in November 2019, and as of the 26 June 2026 round a cumulative 1,751 illegal gambling and affiliate marketing websites had been referred for blocking — roughly 1,751 blocked sites across the 80 months between November 2019 and June 2026. That works out to an average of about 21 to 22 sites per month, or one every 35 hours or so, since the regime began.

The recent pace has been faster. The 12-site round reported on 26 June 2026 alone matches the long-run average for an entire month; earlier rounds in the same reporting year have carried similar or larger blocks. More than 230 unlicensed gambling services have left the Australian market entirely since enforcement was strengthened in 2017, according to the ACMA as cited in industry reporting — a different counter from the block list, since some services are removed by their operators after a warning rather than blocked.

The figure to watch is not the cumulative total but its slope. A linear pace of around 22 sites per month across nearly seven years is what a working enforcement regime looks like when the supply of new offshore operators is not slowing down. The estimate from H2 Gambling Capital’s 2025 report is that Australians lose about A$3.9 billion a year to illegal sites, and that the share of gambling going through legal channels fell from 74% in 2021 to 64%. The block list is the supply-side answer to a demand-side problem the data shows is still expanding.

Responsible Gambling Around Real-Money Table Games

The table games on a casino floor are the casino games with the lowest house edges and the slowest drain on a bankroll. They are also the games a player can sit at for hours at a stretch with no obvious point at which to stop. The responsible-gambling infrastructure for an Australian player exists at two levels: a national one for the legal market, and an offshore-shaped gap where the legal one does not reach.

BetStop — the National Self-Exclusion Register — went live in August 2023 and lets a player exclude themselves from every Australian-licensed online and phone wagering service in one registration. The exclusion is binding on the licensed operator. It does not bind an offshore casino, because the offshore casino has not connected itself to the register, and a player who has self-excluded can still open an account on a Curaçao-licensed or Anjouan-licensed site and play. The register is the right tool for a player who wants out of the licensed market; it is not a complete answer.

The National Gambling Helpline on 1800 858 858 is free, runs 24/7 and routes to Gambling Help Online for chat-based support. The line is funded by the Australian government and is independent of every operator named on this page. For someone whose play has moved past a budget they set, the line is the first call.

A bank-level block — a request to the player’s own bank to decline debits to merchant categories tied to gambling — is the layer underneath the official tools. Australian banks offer gambling-transaction blocking at varying scope; combined with BetStop it closes off most of the legal channels a self-excluding player might use to backslide. None of these tools replaces the decision to stop, but together they make the decision easier to keep.

The Lawful Places to Play Table Games in Australia

There is no substitute for a licensed venue if the question is “where can I sit at a real blackjack or baccarat table in Australia.” The IGA permits the games themselves — the prohibition is on the online supply, not on the play of casino games. The venues sit in every mainland state and territory capital and in a handful of regional centres.

Crown Melbourne is the largest casino complex in the southern hemisphere and operates under a Victorian licence administered by the Victorian Gambling and Casino Control Commission, which replaced the Victorian Commission for Gambling and Liquor Regulation as Victoria’s casino regulator on 1 July 2022. The complex runs the full table-games catalogue described in this page under rules approved by the VGCCC.

The Star Sydney and The Star Gold Coast operate under NSW casino licences regulated by Liquor & Gaming NSW under delegation from the NSW Independent Casino Commission. The Star Brisbane opened in 2024. Crown Perth operates under a Western Australian casino licence. SkyCity Adelaide is the licensed casino in South Australia, and SkyCity Darwin is the licensed casino in the Northern Territory. The casino at Jupiters Townsville and the Country Club Resort in Launceston round out the licensed land-based footprint for table games in Australia.

Outside the casinos themselves, clubs and pubs in NSW and Queensland operate gaming floors under their own state rules — poker machines, keno, and in some jurisdictions table games in designated rooms. Victoria’s club and pub gaming is pokies-only; Queensland allows some higher-tier clubs to run table games under specific licence conditions. The lawful path is well-marked, and it does not run through a browser tab.

Crypto Table Games: Faster Rails, Same Black-Market Site

Crypto casino table games are real-money table games hosted by an offshore casino that takes deposits in Bitcoin, Ethereum, USDT or a handful of other coins. The games themselves — blackjack, roulette, baccarat, dice variants — are the same games played on the same software; the difference is the payment rail. Bitcoin deposits clear in roughly ten minutes on the base layer and faster on the Lightning Network, and withdrawals are paid out in the same currency without going through an Australian bank.

That speed does not address the underlying problem. The site is still an offshore casino operating against the Interactive Gambling Act 2001. The blockchain transaction does not make the operator Australian-licensed, and the absence of an Australian payment processor does not mean the operator has stopped accepting Australian customers — it means the operator has routed around the Australian banking system. Crypto deposits are also banned as a payment instrument for licensed Australian wagering from 11 June 2024, which puts an offshore crypto casino outside the Australian rulebook by design.

The “anonymity” claim is the part to be careful with. Bitcoin is pseudonymous, not anonymous — every transaction is on a public ledger, and chain-analytics firms trace deposits and withdrawals routinely. A player who funds a crypto casino account from a KYC’d exchange account is identifiable to anyone with access to the exchange’s records. The site that promises “no verification” is asking the player to give up the consumer protection that comes with the exchange’s identity checks in exchange for an account at a black-market operator.

What the ACMA Has Done to Specific Operators

The operator list below is built from the ACMA’s published formal warnings, not from any ranking. Each brand sits on this page because the ACMA itself issued a formal warning over it for offering prohibited services to Australians, and the point of the list is to make the warnings visible — not to compare the brands on game quality, payout speed, or bonus generosity, none of which can be reliably sourced for an Australian audience.

The shared feature across the eleven brands is the licence they do not have: no Australian regulator licences an online casino. The licence that any of them may display — typically Curaçao, occasionally Anjouan or Kahnawake — is from a jurisdiction whose consumer-protection framework does not extend to an Australian player, and whose regulator has no relationship with the ACMA. The legal status of the brand in Australia is set by Australian law, not by the foreign licence.

RocketPlay

RocketPlay received an ACMA formal warning in March 2026 over its Australian-facing site at RocketPlay, with the regulator naming Pulsup Ltd as the operator. The brand had already drawn a formal warning in May 2022, when Dama N.V. was named as the operator over six brands including RocketPlay. The 2026 action targets the same product under different corporate ownership. None of the operator’s licence claims affect its Australian status.

Level Up Casino

Level Up Casino was named in the May 2022 ACMA formal warning to Dama N.V., alongside Bambet, Dazard, Rocketplay, Wild Tornado and Cobra Casinos. Public listings describe a games catalogue featuring BGaming titles among other providers, but the listings are not a substitute for an Australian licence, and the brand remains on the ACMA’s list of warned operators.

Woo Casino

Woo Casino drew an ACMA formal warning in March 2025, with the regulator naming Dama N.V. — the same operator named in the 2022 round. The brand has continued to accept Australian customers through the period of the warning. The ACMA’s enforcement path runs through the operator, not through the player, which is why a warned brand can keep operating until a block is issued or the operator withdraws.

Spirit Casino

Spirit Casino received its ACMA formal warning in May 2025, with Dama N.V. again named. The pattern across Woo Casino and Spirit Casino — both Dama N.V. brands, both warned within roughly two months of each other — is the regulator working through a single operator’s portfolio rather than picking off brands one at a time.

National Casino

National Casino received an ACMA formal warning in July 2025, with Consolutetish S.R.L. named as the operator. Public listings describe the brand’s offering; the listings are not a regulatory finding, and the brand’s Australian status is unchanged by what they say.

Bizzo Casino

Bizzo Casino received an ACMA formal warning in July 2025 with Consolutetish S.R.L. as the operator — the same operator named over National Casino in the same round. Bizzo had been warned before, in 2022, with TechSolutions (CY) Group Limited and TechSolutions Group N.V. named as operators. The repeated warning across two operators is a sign of how easily an offshore casino can change corporate wrappers while continuing to target the same market.

Ignition Casino

Ignition Casino received an ACMA formal warning in July 2025 with Bamboo Media named as the operator. The brand’s offshore-facing marketing and its Australian-facing site are not separated in any way the ACMA’s action depends on; the test is whether an Australian can place a real-money wager, and the regulator’s view is that they can.

Instant Casino

Instant Casino received an ACMA formal warning in February 2025, with EOD Code SRL named as the operator. The brand’s “instant” branding and the regulator’s separate warning illustrate the gap between the marketing of speed and the regulator’s view of legality.

Jackbit

Jackbit received an ACMA formal warning in April 2026, with Ryker B.V. named as the operator. The same April 2026 round also named CasinOK, indicating the regulator again working through a portfolio.

Casino Intense

Casino Intense received an ACMA formal warning in April 2025, with Sterplay Holding Ltd named as the operator. Public listings describe the brand; the regulator’s view is what determines the Australian status.

Sky Crown

Sky Crown sits alongside Blue Leo in the ACMA’s formal warning to Hollycorn N.V., a Curaçao-licensed operator whose services the regulator has put on record as prohibited for Australian customers. Hollycorn N.V. is a long-established white-label operator in the Curaçao market, and the Sky Crown brand is one of several it has run.

What the Comparison Across the Eleven Reveals

Three patterns are visible in the table that the individual brand write-ups cannot show on their own. The first is operator clustering: Dama N.V. accounts for four of the eleven brands (RocketPlay in 2022, Woo Casino in 2025, Spirit Casino in 2025, Level Up Casino in 2022), and Consolutetish S.R.L. accounts for two (National Casino and Bizzo Casino in 2025, with Bizzo also warned in 2022 under TechSolutions). The regulator’s enforcement is reaching the offshore casino market through its operator companies rather than through its brands, which is the more efficient path — a single formal warning to a single operator can cover dozens of brands under common control.

The second pattern is the gap between warning and exit. The first formal warning in this list dates to September 2022 (Sky Crown, Hollycorn N.V.); the most recent dates to April 2026 (Jackbit, Ryker B.V.). Several of the warned brands are still operational as of writing, which is consistent with the ACMA’s enforcement model — a formal warning is the regulator’s opening move, and a blocking instruction is the closing move, with the time between set by the operator’s response.

The third pattern is the chronological shape of the regulator’s work. The pace of warnings has been steady across 2022, 2025 and 2026, with the ACMA adding to a portfolio of warned operators while the parallel blocking regime runs on a roughly 22-sites-per-month cadence. The two regimes are independent and complementary: the warning is the regulatory record, the block is the network-level removal.

Where a Reader Who Wants to Play Real-Money Table Games Should Sit

If the question is “where can an Australian play real-money table games today without falling foul of the law,” the answer is a licensed Australian casino or a licensed Australian club that runs table games — Crown Melbourne, The Star Sydney, Crown Perth, SkyCity Adelaide, SkyCity Darwin, The Star Gold Coast, The Star Brisbane, or the relevant licensed clubs in Queensland and NSW. The table games on those floors are the same games described above: blackjack, roulette, baccarat, craps and a catalogue of approved variants. The rule sheet at each venue is the rule sheet that applies.

If the question is “can I sit at a table game online as an Australian,” the answer is that no Australian-licensed venue offers the product, and every offshore site offering it is on the wrong side of the Interactive Gambling Act 2001. The warnings list above is not a roster to choose from; it is a roster the regulator itself has put on the record. The brands are named to make the record legible, not to give the reader somewhere to go.

The Bottom Line

Real-money casino table games are the best odds on a casino floor when the player picks the right game and the right bet inside it: blackjack basic strategy, baccarat Banker, craps Pass line. The same games at an offshore online casino carry the same math, the same payouts and a regulatory status that makes the operator unavailable to the player the moment the ACMA moves. The pace of the regulator’s work — roughly 22 sites blocked per month since November 2019, with the cumulative total at 1,751 in June 2026 — is the supply-side answer to a demand that H2 Gambling Capital’s 2025 report puts at A$3.9 billion a year. The arithmetic of one side is in the public record; the arithmetic of the other is the player’s bankroll.

The lawful Australian alternative is well-established and accessible, and the table games on those floors are the games this page describes. The offshore alternative is not recommended; the regulator’s record is the only commentary the page needs to offer on it.

Frequently Asked Questions

How does the house edge on blackjack compare with roulette or craps at a typical casino?

Blackjack under liberal rules carries about a 0.28% house edge, against 2.70% on single-zero roulette and 5.26% on double-zero roulette. Craps sits in between: 1.41% on the Pass line, but proposition bets on the centre of the layout run as high as 16.67% on Any 7. The gap between blackjack and an American roulette wheel is roughly nineteen times; the gap between the Pass line and a craps prop bet inside the same game is wider still.

Are live-dealer table games treated any differently under Australian law compared with RNG-based ones?

No. The Interactive Gambling Act 2001 prohibits the supply of online casino games to a person in Australia, and the prohibition covers live-dealer, RNG and any hybrid format equally. The game format is irrelevant; what the regulator looks at is whether a person in Australia can place a real-money wager online. The math of the game is identical between the two formats, but the throughput is not — a live-dealer blackjack table deals roughly 50 to 70 hands per hour, while an RNG table can run 400 or more, which changes the bankroll exposure per hour even with the same house edge.

What’s the difference between American and European roulette in terms of odds for the player?

A single-zero wheel has 37 pockets and a house edge of 2.70%; a double-zero wheel has 38 pockets and a house edge of 5.26%. The extra zero nearly doubles the edge on every bet on the layout — red or black, odd or even, single number — because the zeroes are the house’s pocket in either case. The European wheel is the cheaper game by a clear margin, and the only material difference between the two formats.

Do crypto casino table games use the same rules as a standard online table game, just with a different currency?

The game rules, payouts and house edge are the same; what changes is the payment rail. Bitcoin, Ethereum and USDT deposits clear faster than card payments and are not routed through the Australian banking system, which is exactly why an offshore operator accepts them. Crypto deposits are banned as a payment instrument for licensed Australian wagering from 11 June 2024, and an offshore crypto casino remains an offshore casino regardless of which coin it accepts. The speed of the rail does not change the regulatory status of the site.

Where can someone play real-money table games legally near them in Australia?

At a licensed Australian casino or a licensed club that runs table games under state rules. Crown Melbourne, Crown Perth, The Star Sydney, The Star Brisbane, The Star Gold Coast, SkyCity Adelaide and SkyCity Darwin are the licensed casinos; some higher-tier Queensland and NSW clubs run table games under state-specific conditions. Online, the product is not licensed in Australia — the Interactive Gambling Act 2001 prohibits its supply, and no state or territory regulator licences an online casino.

What should a beginner know about baccarat’s banker bet before sitting down at a table?

The Banker bet is the cheapest of the three standard baccarat bets at 1.06% in an 8-deck shoe, marginally cheaper than the Player bet at 1.24% and far cheaper than the Tie bet at 4.85% to 14.36% depending on the payout. The casino charges a 5% commission on Banker wins to recoup the edge, but the commission is built into the 1.06% figure. Card values are simple — 2 to 9 at face, ten and the face cards at zero, ace at one, hand totals modulo 10 — and punto banco is dealt by fixed drawing rules from a shoe of six or eight decks. The game is the lowest decision overhead on the felt, and the Banker bet is the right default.