Live Table RTP & House Edge: Baccarat, Roulette & More (2026)
For table games, RTP is fixed by the rules, not configured by the operator like a slot can be. Below is the return-to-player for each main live bet, ranked from best to worst, so you can see exactly which bets keep the most of your money in play.
Live Table RTP, Best to Worst
House edge and RTP are two sides of the same coin: a 1.06% edge is a 98.94% RTP. The table below shows both for the bets you will actually make on the live floor. The single most important takeaway is that your bet selection, not the operator, decides your return on a table game.
| Bet | House edge | RTP | Verdict |
|---|---|---|---|
| Baccarat: Banker | 1.06% | 98.94% | Best standing bet |
| Baccarat: Player | 1.24% | 98.76% | Strong, commission-free |
| European Roulette | 2.70% | 97.30% | Best wheel to play |
| American Roulette | 5.26% | 94.74% | Skip if a Euro wheel is open |
| Baccarat: Tie | ~14.4% | ~85.6% | Avoid entirely |
Table RTP vs Slot RTP: The Key Difference
A table game's RTP is baked into the physical rules: one zero on a European wheel produces a 2.70% edge, full stop. A slot's RTP is different, JILI ships many titles with several configurable tiers (commonly 92–97%), and the operator chooses which to run server-side. That is why LARO77 leads with table games: what you see is what you play.
- Table games: RTP fixed by rules, identical at every licensed casino, visible before you sit down.
- Slots, RTP set by the operator from a range of tiers; the highest published figure is not always the one deployed.
- For a purely maths-driven session, Banker baccarat (98.94% RTP) is the strongest bet on the whole floor.
Where a High-Volatility Slot Fits In
If you want a break from the felt, the highest-RTP slots sit right alongside the best table bets. Mega Ace publishes a 97% RTP with high volatility, a 6-reel 46,656-ways engine and a 15,000× max win, a very different risk profile from a steady Banker grind. We cover it in full on our similar games page.
Frequently Asked Questions
Which live casino bet has the highest RTP?
The baccarat Banker bet, at 98.94% RTP (a 1.06% house edge) even after the 5% commission. Player is close behind at 98.76%, and European roulette returns 97.30%.
Can a casino lower the RTP of live baccarat or roulette?
No. Table-game RTP is determined by the rules of the game: the number of zeros on the wheel, the baccarat drawing rules, so it is identical at every licensed operator. Only slots have configurable RTP tiers.
Is Mega Ace's RTP the same as baccarat's?
Mega Ace publishes a 97% RTP, similar on paper to European roulette, but it is a high-volatility slot, payouts are rarer and larger. Baccarat delivers its 98.94% far more steadily. They suit different bankrolls and moods.