EZ Baccarat: no commission, with Dragon 7 and Panda 8
EZ Baccarat removes the 5% Banker commission. Instead, a Banker win with a three-card 7 is a push. Side bets: Dragon 7 pays 40 to 1 on that exact hand, and Panda 8 pays 25 to 1 when Player wins with a three-card 8.
Reviewed Oct 14, 2026
Answer first
90s| Bet | Pays | House edge |
|---|---|---|
| Banker (EZ) | 1 to 1, push on three-card 7 | About 1.02% |
| Player | 1 to 1 | About 1.24% |
| Dragon 7 | 40 to 1 | About 7.61% |
| Panda 8 | 25 to 1 | About 10.19% |
| Tie | 8 to 1 | About 14.36% |
Key numbers
EZ Baccarat in four numbers
In short
Key takeaways
- EZ Baccarat replaces the commission with one push: Banker winning on a three-card 7.
- Banker remains the best bet on the table.
- Dragon 7 and Panda 8 are long-shot side bets with high edges.
- No commission means faster play and simpler payouts.
On the felt
The special hands
Dragon 7: Banker three-card 7
Banker wins with 7 — Banker bets push, Dragon 7 pays 40 to 1
Panda 8: Player three-card 8
Player wins with 8 — Panda 8 pays 25 to 1
Normal Banker win
Pays 1 to 1 with no commission
The Dragon 7 push is how EZ Baccarat replaces the 5% fee.
How often the special hands happen
| Hand | About 1 in |
|---|---|
| Dragon 7 | 44 |
| Panda 8 | 29 |
Eight-deck approximations.
How the push works
When Banker wins with a total of 7 made from three cards, Banker bets are returned with no win. Every other Banker win pays even money.
That single push costs Banker bettors about the same as the 5% commission, but play moves faster.
Banker on $100 per hand
| Version | Edge | Expected cost per 100 hands |
|---|---|---|
| Commission baccarat | 1.06% | About $106 |
| EZ Baccarat | 1.02% | About $102 |
Nearly identical cost, with simpler payouts.
The side bets
Dragon 7 wins only on a Banker three-card 7. It pays 40 to 1 and hits about once in 44 hands. Panda 8 wins only on a Player three-card 8, paying 25 to 1 and hitting about once in 29 hands.
Both are separate from the main bet and can be placed alone at most tables.
Sequence
Playing EZ Baccarat
Step 01
Pick Banker or Player
Banker is still best.
Step 02
Add a side bet if you like
Dragon 7 or Panda 8.
Step 03
Watch the deal
Standard baccarat drawing rules.
Step 04
Check for the push
A Banker three-card 7 pushes Banker bets.
Where you find it
EZ Baccarat is common in US casinos, especially on mini-baccarat tables. Many online live dealer studios offer it too.
Some casinos offer other no-commission versions with different push rules; read the placard.
Floor rules
EZ terms
Know before you sit
- EZ Baccarat
- A no-commission version with a three-card 7 push.
- Dragon 7
- Side bet on Banker winning with a three-card 7.
- Panda 8
- Side bet on Player winning with a three-card 8.
- Push
- A tie for the bet; stake returned.
Reading the placard
Check the placard for the Dragon 7 and Panda 8 pays and limits. Some tables also offer a Tie at 9 to 1 or other side bets.
Common mistakes
- Thinking no commission is free
- The three-card 7 push costs Banker bettors about the same.
- Betting side bets big
- Their edges are 7% to 10%, much higher than the main bets.
- Avoiding Banker
- Banker is still the lowest-edge bet.
- Ignoring other no-commission rules
- Some tables use different pushes; check the sign.
Keep reading
Related pages
Go play
Where to play in Las Vegas
Tap a resort — each row opens that casino’s White Gambling page (hours, game mix, floor facts). Venues with this game in official counts, sorted high to low.
Open a casino page
Real listings · not adsAfter the 90 seconds
Questions before and after you play
A 90-second guide cannot cover every table moment. Tap a group, then a question — answers are short paragraphs, not one-liners.
01Basics
What is EZ Baccarat?
A no-commission version of baccarat where a Banker win with a three-card 7 is a push instead of a win.
Is EZ Baccarat better than regular baccarat?
Almost the same. Banker edge is about 1.02% compared with 1.06% in commission games.
Why do casinos offer it?
No commission means faster games and easier payouts, which keeps more hands moving per hour.
02Side bets
What does Dragon 7 pay?
40 to 1 when Banker wins with a three-card total of 7. Its edge is about 7.61%. House rules can vary, so check the table placard or ask the dealer.
What does Panda 8 pay?
25 to 1 when Player wins with a three-card total of 8. Its edge is about 10.19%.
Can I bet the side bets alone?
At most tables, yes. Check the posted rules. House rules can vary, so check the table placard or ask the dealer.
03At the table
How often does the Dragon 7 hit?
About once every 44 hands on average. House rules can vary, so check the table placard or ask the dealer.
Is EZ Baccarat offered online?
Many live dealer and online casinos offer EZ Baccarat with both side bets. House rules can vary, so check the table placard or ask the dealer.
Do I still tip the same?
Tipping customs are the same as other baccarat games; a small bet for the dealer is common.
Sources
- Wizard of Odds — EZ Baccarat Not from a registry (Reference source, not an official registry)The gaming industry’s standard reference for casino-game math, by actuary Michael Shackleford. Not an official registry; our calculators compute these numbers independently. · accessed Oct 14, 2026Rules, odds and house edge
- Wizard of Odds — Baccarat Not from a registry (Reference source, not an official registry)The gaming industry’s standard reference for casino-game math, by actuary Michael Shackleford. Not an official registry; our calculators compute these numbers independently. · accessed Oct 14, 2026Rules, odds and house edge
- Nevada Gaming Control Board · accessed Oct 14, 2026Approved games and gaming revenue reports
- National Council on Problem Gambling — Help and resources Not from a registry (Reference source, not an official registry) · accessed Oct 14, 2026Free, confidential help: call or text 1-800-GAMBLER