Based on that assumption, and 6 decks, the house edge is 5.27% on four playing cards, eight.94% on 5 cards, and 4.74% on six cards. Here is how I calculate the expected return on each bet by counting ties. To reply your question, if compelled to make just one even money type guess I would have chosen the banker guess in baccarat with a home edge of 1.06%. There are thirteen attainable values and 4 attainable fits in a deck.