Mathematical Odds & House Edge

Table Games Statistics 2026: RTP, Odds and House Edge in Philippines

Make smarter bets by comparing the exact mathematical advantages of blackjack, baccarat, craps, and roulette.

Table Games Statistics6 min readUpdated July 13, 2026

Quick answer

Blackjack offers the lowest house edge at just 0.50% when using basic strategy. Baccarat follows closely with a 1.06% edge on Banker bets. In contrast, American roulette carries a high 5.26% edge. Choosing games with low house advantages directly improves your long-term mathematical return.

Reviewed by SlotRigorLast updated July 13, 2026

0.50%

Blackjack House Edge (Basic Strategy)

1.06%

Baccarat Banker Bet House Edge

2.70%

European Roulette House Edge

1.36%

Craps Don't Pass House Edge

14.36%

Baccarat Tie Bet House Edge

Philippine players have access to a wide variety of online and physical table games. However, not all table games are created equal. Every bet you place has a built-in mathematical advantage for the house. Knowing these exact percentages helps you manage your bankroll and make smarter decisions.

This guide breaks down the true mathematical odds of the most popular table games in the Philippines. We look at blackjack, baccarat, craps, and roulette. By ranking these games from the lowest house edge to the highest, you can see exactly where your money has the best chance of lasting.

Blackjack: The King of Low House Edge

Blackjack is famous for offering some of the best odds in the casino. With standard rules, such as a 3:2 payout for a natural blackjack and the dealer standing on soft 17, the house edge sits at roughly 0.50%. This incredibly low number assumes you play with perfect basic strategy. If you play by gut feeling, the house edge can easily rise to 2.00% or higher.

3:2 Payout: This standard payout keeps the house edge near 0.50%. Avoid tables that pay 6:5, which increases the edge to around 1.40%.
Basic Strategy: Following a mathematical chart determines the exact move for every hand combination, keeping the RTP at 99.50%.

Baccarat: Low Complexity and High RTP

Baccarat is highly popular in Philippine casinos due to its simple choices. You only need to bet on the Player, the Banker, or a Tie. The Banker bet is mathematically the best option. It wins 45.86% of the time, excluding ties. Because of this high probability, casinos charge a 5% commission on Banker wins, resulting in a low house edge of 1.06%.

Banker Bet (1.06% Edge): The most statistically favorable bet in baccarat, even after the 5% commission is deducted.
Player Bet (1.24% Edge): Slightly less favorable than the Banker bet, but it does not require paying any commission on wins.
Tie Bet (14.36% Edge): A very high house edge despite the attractive 8:1 payout. Statistically, this is a poor long-term bet.

Craps: Low Edge on Fundamental Line Bets

Craps can look confusing with its busy table layout. However, the fundamental bets offer some of the best odds in the casino. The Don't Pass and Don't Come bets carry a tiny house edge of 1.36%. The standard Pass Line and Come bets are just slightly behind at 1.41%. Many online variants also allow you to take odds bets, which carry a 0% house edge.

Don't Pass (1.36% Edge): You are betting against the shooter. It has a slightly better probability than the Pass Line.
Pass Line (1.41% Edge): The most common bet in craps, where you bet with the shooter on the come-out roll.
Proposition Bets (Up to 16.67% Edge): Single-roll bets like Any 7 have terrible odds and should generally be avoided by smart players.

Roulette: Why the Wheel Layout Matters

Roulette odds depend entirely on the number of zeros on the wheel. European roulette has a single zero, giving a house edge of 2.70%. American roulette features both a single zero and a double zero, which spikes the house edge to 5.26%. Players in the Philippines should always search for European wheels to double their statistical chances of winning over time.

European Roulette (2.70% Edge): Features 37 pockets with one zero. Even-money bets have a 48.60% chance of winning.
American Roulette (5.26% Edge): Features 38 pockets with two zeros. Even-money bets drop to a 47.37% winning probability.

PAGCOR Oversight and Fair Play Standards

In the Philippines, table games are strictly regulated by PAGCOR. This state agency ensures that all licensed online and physical casinos use certified Random Number Generators (RNG). This certification guarantees that the mathematical probabilities of baccarat, roulette, and blackjack are authentic. Players should check the footer of their chosen online casino to confirm PAGCOR licensing for guaranteed fair payouts.

Table Games House Edge and Payout Comparison

This table ranks the most common casino table game bets from the lowest house edge to the highest.

Game and Bet Type	Standard Payout	Winning Probability	House Edge
Blackjack (Basic Strategy)	3:2	42.22%	0.50%
Baccarat (Banker Bet)	1:1	45.86%	1.06%
Baccarat (Player Bet)	1:1	44.62%	1.24%
Craps (Don't Pass)	1:1	47.93%	1.36%
Craps (Pass Line)	1:1	49.29%	1.41%
European Roulette (Even Money)	1:1	48.60%	2.70%
American Roulette (Even Money)	1:1	47.37%	5.26%
Baccarat (Tie Bet)	8:1	9.52%	14.36%

These figures are calculated using standard casino game rules and exact probability mathematics. They represent the theoretical long-term averages built into the design of each game.

Frequently Asked Questions About Table Games

Which table game has the absolute lowest house edge?

Blackjack has the lowest house edge at around 0.50%. This requires using a perfect basic strategy chart on every hand.

Is the Banker bet in baccarat always the best choice?

Yes. Mathematically, the Banker bet wins more often than the Player bet. Even with the 5% commission, the house edge is only 1.06% compared to 1.24% for the Player.

Why is American roulette worse than European roulette?

American roulette has two green pockets (0 and 00) instead of one. This extra pocket increases the house edge from 2.70% to 5.26% while payouts remain the same.

Does PAGCOR regulate the odds of online table games?

PAGCOR does not set the odds, but they mandate that all licensed operators use audited RNG software. This ensures the games perform according to their true mathematical probabilities.

Can card counting eliminate the house edge online?

No. Online table games use virtual decks that are shuffled automatically after every single hand. This makes card counting impossible.

Are side bets in table games worth playing?

Generally, no. Side bets like baccarat pairs or blackjack perfect pairs offer high payouts but carry a much higher house edge, often exceeding 10%.

Related Guides

Explore our other detailed statistics guides to master your casino strategy.

All players must be 21 years of age or older to gamble in the Philippines. Please use the PAGCOR responsible gaming program and operator self-exclusion tools if you need assistance. The statistics presented here are mathematical averages over millions of rounds and do not guarantee short-term individual results.

Last updated July 13, 2026