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RNG vs Live Roulette: Four Clear Differences
European Roulette on a random number generator returns 97.30% over 37 pockets, so the house edge sits at 2.70% on every bet type. The same 2.70% applies to Straight at 35:1, Split at 17:1, Street at 11:1, Corner at 8:1, Six Line at 5:1, Dozen and Column at 2:1, and Red/Black at 1:1. On a €100 stake the average cost is €2.70, and the 37-pocket layout never changes that figure.
American Roulette on a random number generator returns 94.74% across 38 pockets, which puts the house edge at 5.26% and almost doubles the cost of play. A €100 stake on Red/Black therefore costs €5.26 on average instead of €2.70. The Five Number Bet covering 0, 00, 1, 2 and 3 is worse still: 92.11% RTP and 7.89% house edge, with no equivalent on the single-zero wheel.
French Roulette with La Partage returns 98.65% on even-money bets, so the house edge falls to 1.35%, and En Prison gives the same 1.35%. That rule applies only to Red/Black, Odd/Even and Low/High at 1:1, where half the stake comes back when 0 hits. Inside bets keep the standard 2.70% edge: Straight 35:1, Split 17:1, Street 11:1, Corner 8:1. A live dealer table shows the same payouts, but the ball and the wheel decide each result.
Straight-Up 35:1 Against 1-in-37 Odds
A Straight bet pays 35:1 on European Roulette, whose 37 pockets hold one winning number, so the true chance is 1 in 37. The payout is set as if there were 36 pockets, and that gap is exactly where the 2.70% house edge comes from. Staking €10 on a single number returns €350 plus the €10 stake when it lands, but the average cost of the bet stays at €0.27 per €10.
On American Roulette the same Straight bet also pays 35:1, yet the wheel carries 38 pockets because of 0 and 00. The chance of a hit drops to 1 in 38 while the payout stays unchanged, so the house edge rises to 5.26%. Over 38 spins at €10 per spin, €380 is staked and the expected return is €360, a shortfall of €20 caused only by the extra pocket.
Inside bets scale the same way: Split pays 17:1, Street 11:1 and Corner 8:1 on the single-zero wheel, and each keeps the 2.70% edge. A Corner covers four numbers and pays 8:1, which looks smaller next to the Straight but spreads the risk across four pockets. The 35:1 headline is therefore not the value of the bet, since every inside wager on the European wheel returns 97.30%.
When to Surrender 16 Against a 10
Blackjack Insurance is a separate side bet of up to 50% of the main bet when the dealer shows an ace, and it returns 92.53% with a house edge of 7.47%. Basic strategy always declines it, except for card counters at a true count of at least +3. With a single deck the edge narrows to roughly 5.88%. Insurance pays 2:1, so a €10 side bet returns €20 plus the stake when the dealer holds a ten-value card underneath.
A 6:5 blackjack payout on six decks returns 98.15% and carries a 1.85% house edge, which is exactly 1.39 percentage points more than the 3:2 version. On a €10 bet a blackjack pays €12 instead of €15, a shortfall of €3 on the same hand. That single rule change moves the edge further than any other adjustment to the game, and it applies to every natural the player draws.
Video Poker Jacks or Better 9/6 returns 99.54% with a 0.46% edge under optimal strategy, so the cost of a €100 stake is €0.46. A Royal Flush pays 800 per coin and reaches 4,000 only at the maximum bet of 5 coins, while a Straight Flush pays 50 and Four of a Kind 25. Deuces Wild Not So Ugly Ducks returns 99.73% with a 0.27% edge, the tightest of the group.
Straight, Split, and Corner: Three Terms Briefly Explained
A Straight bet covers one number on the European wheel and pays 35:1, while the 37 pockets give a true chance of 1 in 37. Staking €10 returns €350 plus the €10 stake, and the house edge stays at 2.70% because the payout is calculated as if 36 pockets existed. On American Roulette the same 35:1 applies across 38 pockets, lifting the edge to 5.26%.
A Split covers two adjacent numbers and pays 17:1, and a Corner covers four numbers and pays 8:1, with the same 2.70% edge on the single-zero wheel. A Street covers three numbers in a row and pays 11:1, and a Six Line covers six numbers and pays 5:1. Every one of these inside bets returns 97.30% on European Roulette, so the wider coverage lowers the payout but not the edge.
French Roulette with La Partage returns 98.65% on even-money bets, cutting the house edge to 1.35% on Red/Black, Odd/Even and Low/High at 1:1. The rule applies only to those bets, where half the stake comes back when 0 hits, and En Prison produces the same 1.35%. Inside bets such as Straight 35:1, Split 17:1, Street 11:1 and Corner 8:1 keep the standard 2.70% edge, so the choice of bet type decides the cost per €100 staked.
Game categories at a glance
| Category | Examples | Stakes From | Highlight |
|---|---|---|---|
| Slots | Wanted Dead or a Wild, Cygnus 4, Dragon's Luck | 0.10 EUR | thousands of titles |
| Table games | Roulette, Blackjack, Baccarat | 0.50 EUR | classic rules |
| Live casino | Quantum Blackjack Plus Live, Auto Roulette Classic 1 Live | 0.20 EUR | real dealers |
| Jackpot games | Mega Moolah, Divine Fortune, Age of the Gods | 0.20 EUR | progressive pools |
| Instant games | Aviator, Plinko, Mines | 0.10 EUR | fast rounds |
| Video poker | Jacks or Better, Deuces Wild | 0.25 EUR | strategy based |
House Edge and RTP: Two Sides of the Same Number
Craps Free Odds with Pass Line in 3-4-5x mode carries a 0.00% house edge on the odds bet itself, the only bet in the casino with zero edge. Combined with Pass Line, the overall RTP is 99.63%, meaning the house keeps 0.37% per roll on average. For €100 staked, that is €0.37 of expected cost, compared to 2.70% or €2.70 on a single-zero roulette wheel.
Video Poker Jacks or Better 9/6 full pay returns 99.54% with optimal strategy, a house edge of 0.46%. The 9/6 label means a Full House pays 9 coins and a Flush pays 6 coins per coin bet. The Royal Flush bonus of 4,000 coins requires the maximum bet of five coins, and the game's standard deviation is 4.42.
Roulette European with La Partage reduces the house edge on even-money bets to 1.35% from the standard 2.70%, an RTP of 98.65%. When zero hits, half the stake on Red/Black, Odd/Even or Low/High is returned. Inside bets without La Partage still pay Straight 35:1, Split 17:1, Street 11:1 and Corner 8:1 at the full 2.70% edge.
Split, Double, and Surrender: Three Decisions Explained
Blackjack Insurance on a 6–8 deck shoe has an RTP of 92.53%, a house edge of 7.47%. It is a separate side bet of up to 50% of the main bet, offered when the dealer shows an ace and paying 2:1. Basic strategy always declines it except for card counters at a true count of +3 or higher.
Baccarat Tie at 8:1 payout carries an RTP of only 85.64%, the worst main bet in Baccarat with a house edge of 14.36%. On a tie, Banker and Player stakes are returned as a push. The standard deviation is 2.64, far higher than the Player bet's 0.95, making it both expensive and volatile.
Baccarat Tie at 9:1 payout improves the RTP to 95.16% and cuts the house edge to 4.84%, almost threefold lower than the 8:1 version's 14.36%. Even so, it remains clearly worse than the Player bet at 98.76% RTP or the Banker bet. For €100 staked, the 9:1 tie keeps €4.84 on average.
35:1 Instead of 36:1: Where the House Edge Comes From
Roulette European has 37 pockets numbered 1–36 plus a single zero, but payouts are set as if there were 36 pockets. A Straight bet pays 35:1 instead of the true 36:1, producing an RTP of 97.30% and a house edge of 2.70% on every bet. For €100 staked, the wheel keeps €2.70 on average.
Roulette American uses 38 pockets with both 0 and 00, doubling the house edge to 5.26% and lowering RTP to 94.74%. The Five Number Bet covering 0, 00, 1, 2 and 3 pays 6:1, but with an edge of 7.89% it is the only bet on the American wheel above 5.26%. It has no equivalent on the European wheel.
Blackjack paying 6:5 instead of 3:2 on a six-deck game lowers RTP to 98.15% and adds exactly +1.39 percentage points to the house edge, now 1.85%. On a €10 bet, a blackjack pays €12 instead of €15. This rule change costs more than any other single alteration to the blackjack pay table.
Split 17:1 vs Corner 8:1: Payouts Compared
Sic Bo Small and Big bets under Atlantic City rules carry an RTP of 97.22%, the best bet in Sic Bo with a house edge of 2.78%. Small covers totals of 4–10 and Big covers 11–17, both paying 1:1. A triple loses both bets, and the overall Sic Bo edge ranges from 2.78% to 33.33% depending on the wager.
Sic Bo Single Number is the best special bet with a house edge of 7.87%, paying 1:1, 2:1 or 3:1 depending on how many matching dice appear. The Specific Triple pays 180:1 but carries a 16.20% edge, while the Specific Double pays 10:1 with the worst edge at 18.52%. Two-Dice Combo pays 5:1 at a 16.67% edge.
Video Poker Deuces Wild Not So Ugly Ducks returns 99.73% RTP, a house edge of just 0.27%. Its pay table differs from Jacks or Better: a Natural Royal pays 800, Four Deuces 200, Wild Royal 25, Five of a Kind 16, Straight Flush 10, Four of a Kind 4, Full House 3, Flush 2, Straight 2 and Three of a Kind 1.
Sic Bo Payouts From 1:1 to 180:1
Baccarat Player bet on eight decks carries an RTP of 98.76% and a house edge of 1.24%, paid straight at 1:1 with no commission. The edge is 0.18 percentage points higher than on Banker, which remains the better bet even after its commission. Standard deviation is 0.95, the lowest among Baccarat wagers.
Baccarat Player Pair and Banker Pair are side bets with an RTP of 89.64% and a house edge of 10.36%, an order of magnitude higher than the main game. The first two cards of the chosen side must form a pair, paying 11:1 as shown in pay tables. For €100 staked, the pair side bet keeps €10.36 on average.
Roulette European even-money bets with La Partage return 50% of the stake when zero hits, giving an RTP of 98.65%. Red/Black, Odd/Even and Low/High all pay 1:1. Inside bets without La Partage pay Straight 35:1, Split 17:1, Street 11:1 and Corner 8:1, all subject to the standard 2.70% house edge.
The Craps Pass Line in Four Steps
Craps Free Odds pays 100.00% on the odds portion and carries a house edge of 0.00%, making it the only bet in the casino that settles at true odds. A house edge is the average share of each stake the casino keeps over the long run. The bet is only available on top of a Pass or Don't Pass wager once a point has been set, so it cannot be placed on its own.
Combined with Pass Line in the 3-4-5x mode, the RTP reads 99.63% and the house edge 0.37%. Per roll that combined figure equals 0.111%; measured per bet it stands at 0.251% at 1x, 0.180% at 2x and lower again at 3-4-5x. On €100 of Pass Line stakes the expected cost is therefore about €0.37.
Odds are paid at true odds: a point of 4 or 10 returns 2:1, a point of 5 or 9 returns 3:2 and a point of 6 or 8 returns 6:5. On a €10 odds bet behind a point of 6, the win is €12. The four steps run as follows: stake the Pass Line, wait for the point, add the odds behind it, then let the roll resolve at true odds.
Before Doubling Down: Read the Dealer's Upcard
Blackjack Insurance, a side bet of up to 50% of the main wager offered when the dealer shows an ace, returns an RTP of 92.53% and a house edge of 7.47%. A side bet is an optional extra wager placed next to the main bet.
The 7.47% edge is far above the 0.46% attached to Jacks or Better 9/6 and above the 1.24% on Baccarat Player. On €100 of insurance stakes the average cost is €7.47. With a single deck the edge narrows to roughly 5.88%, but it still stays far above the main blackjack wager.
A 6:5 payout on blackjack instead of 3:2 moves the RTP to 98.15% and the house edge to 1.85%, a shift of exactly 1.39 percentage points. On a €10 bet a blackjack pays €12 rather than €15, so the shortfall is €3 per qualifying hand. Reading the open dealer card before doubling keeps that comparison in view.
Jacks or Better 9/6: 99.54% RTP
Video Poker Jacks or Better 9/6, played with optimal strategy, shows an RTP of 99.54% and a house edge of 0.46%. The label 9/6 means a Full House pays 9 and a Flush pays 6 per single coin. RTP is a theoretical long-run average across hundreds of thousands of hands, not a forecast for one session.
The Royal Flush pays 800 per coin and reaches 4,000 only at the maximum bet of 5 coins. A Straight Flush pays 50, Four of a Kind 25, a Full House 9, a Flush 6, a Straight 4, Three of a Kind 3, Two Pair 2 and Jacks or Better 1. Volatility differs from the near full pay Deuces Wild variant, whose RTP is 99.73%.
Against the 0.46% edge here, the 6:5 blackjack rule pushes that game to 1.85%, roughly four times the cost. On €100 of Jacks or Better stakes the average loss is €0.46, while the same €100 on a 6:5 blackjack table costs €1.85. The gap widens further against Insurance at 7.47%.
The Four Decisions in Every Blackjack Hand
Insurance on a 6-8 deck shoe returns 92.53% and carries a 7.47% house edge, the highest of the four decisions. It is a separate side bet of up to 50% of the main wager. Basic strategy declines it in every case except for card counters at a true count of at least +3.
A 6:5 blackjack payout on 6 decks gives an RTP of 98.15% and a house edge of 1.85%. Replacing 3:2 with 6:5 adds exactly 1.39 percentage points to the casino's edge, more than any other single rule change. On a €10 bet the blackjack pays €12 instead of €15.
The gap between the two extremes is 5.62 percentage points: 7.47% against 1.85%. On €100 of stakes that difference equals €5.62 in expected cost. Taking insurance is therefore the costliest of the four decisions, while standing on the short 6:5 payout is the cheaper path.
Multi-Hand Blackjack: Up to 5 Hands
Roulette American uses 38 pockets, the numbers 1 to 36 plus 0 and 00, and returns an RTP of 94.74% with a house edge of 5.26%. Payouts match those of the European wheel, but the extra pocket doubles the edge. A Straight pays 35:1, a Split 17:1, a Street 11:1, a Corner 8:1 and a Six Line 5:1.
Roulette European runs 37 pockets, the numbers 1 to 36 plus a single 0, with an RTP of 97.30% and a house edge of 2.70%. Because payouts are set as if there were 36 pockets, every bet carries the same 2.70% edge. On €100 of stakes the European wheel keeps €2.70 instead of €5.26.
The American Five Number Bet on 0, 00, 1, 2, 3 is the exception: it returns 92.11% and carries a 7.89% house edge, paid at 6:1 across 5 of the 38 pockets. That is the only wager on the American wheel above 5.26%, and it has no counterpart on the European wheel. Spreading stakes across five hands does not change any of these edges.
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