Flat Betting Baccarat Strategy: How to Win at Baccarat Using Flat Betting

Flat Betting Baccarat Strategy: How to Win at Baccarat Using Flat Betting

Baccarat betting strategies are divided into flat, negative, and positive. How to win at Baccarat using flat betting? The baccarat flat betting strategy results in the narrowest, most balanced matchup with the expected winning or losing range.

Baccarat Flat Negative Positive Progressions Game Introduction

Betting systems or betting progressions have been devised for every gambling game. Many of them had their origins in eighteenth and nineteenth-century roulette played on the French Riviera. While the particulars of different betting systems vary greatly, the systems fall into three broad categories: flat, negative, and positive. So, how to win at baccarat using flat betting?

Baccarat Betting Strategies

  • Flat: Keep bets constant, waiting for a streak of success.
  • Negative progressions: raise bets after losses, trying to recover an eventual win.
  • Positive progressions: raise bets after wins, hoping to use the "house money" to create a large win.

Each of these systems has positive and negative characteristics, but the approach, that catches the most flack from gaming experts, is the negative progression. The advocates of positive progressions don't think much of increasing your wager after a loss. By their thinking, increasing a bet after you have lost amounts to throwing good money after bad, with the probable outcome being that you will just lose more money. However, as we shall see, in the short run just the opposite is likely to be true.

Assume that we are going to bet player for eight decisions. Three different players will help us in this illustration.

Player A does not believe in ever-changing the size of his bet. He bets flat, that is the same amount on every hand, regardless of the outcome of his preceding hand. In our example, he will bet INR10 a hand.

Player B likes to follow the system many experts recommend and he will press or double his bet after each win, gradually betting more and more as he uses the house's money. He will start with an INR10 bet, increase it to INR20 after a win, and then wager INR40 if he wins again. If his bet reaches as high as INR160, he will stay at this level until he loses a wager. After any loss, he will drop back to betting INR10.

Player C has heard that increasing his bets after losses is the "surest way to win." He will start with an INR10 bet. If he loses this bet he will wager INR20. If this bet loses, he will increase his bet to INR40, then INR80, followed by INR160 if this wager also loses. His maximum wager is INR160. If he reaches this level he will continue to wager INR160 until he has a win. After any win, he will regress to an INR10 bet.

The following table compares the results of eight decisions, consisting of six losses and two wins.

Comparison of Bet Selection Methods

Decisions L L W L L L L W
Player A
Bet 10 10 10 10 10 10 10 10
Win (loss) -10 -10 +10 -10 -10 -10 -10 +10
Net Win -10 -20 -10 -20 -30 -40 -50 -40
Player B
Bet 10 10 10 10 10 10 10 20
Win (loss) -10 -10 +10 -20 -10 -10 -10 -20
Net Win -10 -20 -10 -30 -40 -50 -60 -50
Player C
Bet 10 20 40 10 20 40 80 160
Win (loss) -10 -20 +40 -10 -20 -40 -80 +160
Net Win -10 -30 +10 0 -20 -60 -140 +20

W= Win, L= Loss of wager

In this series of wagers, Player A loses INR40, Player B loses INR50, while Player C comes out INR20 ahead. I purposely set up this example to illustrate some of the characteristics of each of the betting strategies.

How to win at Baccarat using flat betting? For a given session, the baccarat flat betting strategy leads to sessions with the narrowest, most balanced range of expected wins and losses. In this series, we lost 75% of our wagers; therefore, we expect to have a loss.

Positive progressions, like the progression used by Player B, offer more likelihood of an adverse than a favorable session, with intermittent large wins. In this example, increasing wagers after wins caused this player to lose INR50, a greater loss than the one realized betting flat.

Negative progressions, like the one used by Player C, offer a greater chance of winning any given session but have the characteristic of generating many small wins with occasional large losses.

The exact result of sessions played in casinos depends on the details of each game and on variations applied to systems by individual players. However, by ignoring variations, and using each system in its rawest form, we can test how each system performed against the same set of decisions and comment on the general characteristics of each approach to wagering.

A test was created assuming that wagers are made on the pass line only. Each game was 100 decisions long. Limits on the progressions were imposed which required any progression to end immediately if the next bet required in the series exceeded 256 units.

The following systems were tested. Please note that these are not presented as practical systems but are used to emphasize the differences you can expect in each approach to wagering.

  • Flat Betting: Single units are bet and the amount never varies.
  • Positive Progression: In this parlay type of progression, bets are doubled after every win and reduced to one unit after every loss. Assuming a string of nine consecutive wins, this progression would be 1, 2, 4, 8, 16, 32, 64, 128, 256.
  • Negative Progression: A Martingale type of progression is used where bets are doubled after every loss and reduced to a single unit after any win. Assuming a string of nine consecutive losses, this series would consist of the following wagers: 1, 2, 4, 8, 16, 32, 64, 128, 256.

The results of a 2,000-session computer run using each technique are presented in a table on the following page.

This table shows some of the trade-offs among the systems. Notice that while the average size bet for flat betting was 1 unit, it increased to 3.8 units using a positive progression, and was highest at 5.2 units for the negative progression. The average size bet was larger for negative than positive progression because runs of losing bets were longer, and therefore, required higher wagers than runs of winning bets. In this contest, which is also analogous to blackjack, the losing streaks tended to be longer than the winning streaks.

Baccarat flat betting strategy won 38.70% of the games and lost 59.85% of them. The positive progression showed the lowest win percentage of all, winning only 9.60% of the games while losing over 90% of them.

The negative progression won over 85% of the games and lost only about 15% of them. This strategy was clearly the winner in terms of the number of individual games won. The last column in the table "Equivalent Amount Won or Lost" shows how much the amounts would have been if the flat and positive betting strategies' wagers had been raised so that the averages were the same as with the negative progression.

Baccarat Betting Strategies

2,000 Session Computer Run Testing Flat, Positive and Negative Betting Systems

Betting System Outcomes Percent of Sessions Average Amount Won or Lost Equivalent Amount Won or Lost
Flat (1 unit is the average size bet)
  Break-even 1.45%    
  Won 38.70% 7 37
  Lost 59.85% 9 48
Positive (3.8 units is the average size bet)
  Break-even 0.05%    
  Won 9.60% 56 56
  Lost 90.35% 412 412
Negative (5.2 units is the average size bet)
  Break-even 0.00%    
  Won 85.35% 359 492
  Lost 14.65% 43 59

There are a number of variables that affect your ability to avoid losing your bankroll. These variables include the type of betting system used, the size of your bankroll, the games you play, the length of time you play, and your luck at winning any given gaming contest. Let's compare the effects of using different betting systems on our ability to play without losing our bankroll. The betting systems we will use are:

  • Flat betting: We will bet INR25 regardless of previous outcomes.
  • Positive Progression: We will start with an INR10 base bet. After each win, we will double our bet with a maximum wager of INR80. If we reach the INR80 betting level we will continue to wager INR80 until we lose a wager. After any losing wager, we will drop back to betting INR10. The bet we would make in a winning streak would be INR10, INR20, INR40, INR80, INR80, until we have a loss.
  • Negative Progression: Again we will use an INR10 base bet. After each loss, we will double our bet, with our maximum bet to be INR80. If we reach the INR80 bet, we will continue to wager INR80 until we have a win. After any win, we will drop back to betting INR10. A losing series would consist of INR10, INR20, INR40, INR80, INR80 until we have a win.

Here's the game we will face. We will play in a coin-tossing contest and we will always wager heads. Heads win even money less a 2 percent house commission. When tails show we lose the wager. The chances here are 50-50 and the house edge is 1 percent.

The next table shows how each betting system fares, varying the size of our bankroll and the number of games played. Each game consists of 100 bets.

How to win at Baccarat using flat betting?  Flat betting offers the least chance of losing your bankroll. If you are willing to use a bankroll of INR2,000 in playing this coin-tossing game, you will have a 99% chance of not losing your bankroll if you flat bet.

Using a positive progression gives you almost as good a chance of keeping your bankroll intact as flat betting. An INR500 bankroll offers a 94% chance of not losing all of your bankrolls as compared to 96% for baccarat flat betting strategy and only 83% for the negative progression at this level.

Computer Run Testing Different Betting Systems Comparing the Bankroll Used and the Length of Time Played.

Bankroll Size Number of Games Played Flat Bets Positive Progression Negative Progression
250 100 69% 66% 56%
500 100 96% 94% 83%
750 250 93% 87% 80%
1,000 500 90% 81% 76%
2,000 750 99% 98% 94%

Increasing your bets after losses greatly increases your chance of losing all of your bankroll. Using the negative betting progression, the chance of keeping your bankroll is only 56% using an INR250 bankroll, playing for 100 games. The pattern of a much higher risk of losing your bankroll with a negative progression continues until we increase our bankroll to INR2,000. With an INR2,000 bankroll, we can play the coin-toss game for 750 hands with only a 6% chance of losing our bankroll (94% chance of keeping it as shown in the table). This compares favorably with the flat bettor's percentage of 99% and the positive progression bettor's percentage of 98% at this level.

The moral of this comparison should be obvious. Using a negative betting progression greatly increases your likelihood of losing your bankroll unless you increase your bankroll to an adequate level. In this example, by increasing our bankroll to INR2,000, we only give up 5% of the chance of losing our bankroll using a negative progression as compared to betting flat (94% as compared to 99%).

All gambling strategies involve compromises. Betting flat offers the greatest likelihood of keeping your bankroll, but the poorest chance of winning. You may recall in the earlier table comparing betting strategies that the baccarat flat betting strategy only won about 39% of its games.

Using a positive betting progression wins only 9.6% of its games (shown in the earlier table), but you won't risk losing your bankroll much more using this system than with betting flat. Referring again to the earlier table, we notice that using a negative progression gave us a win rate of over 85%. At first glance at the table on the preceding page, it would seem that this high win rate came only by increasing our risk of losing our bankroll by a large factor. But please note the following. Once we increase our bankroll to a larger amount, INR2,000 in the example here, our risk of losing our bankroll using a negative progression is only 6%, not much greater than the 2% chance of losing with a positive progression, or the 1% chance of losing our bankroll betting flat.

If we are willing to use a somewhat larger bankroll, using a negative progression gives us the best of all worlds: A high probability of winning and a low possibility of losing our bankroll. This is something that almost no gambling experts will ever tell you. Experts invariably recommend only the first two approaches to win any gaming contest.

The first approach is to gain a mathematical edge over the game. This is the strategy card counters hope to use at blackjack. At roulette, wheel watchers hope to gain an edge by finding an unbalanced wheel where the ball lands in one section of the wheel a higher percentage of the time than chance would explain. With baccarat, advantage seekers look to precision shooting to alter the casino's edge against the players.

The second approach to gambling, almost universally recommended by the experts, is to use a positive betting progression. That this is the best system for capitalizing on winning streaks is the number one reason cited for using this system. Almost never mentioned by the experts is that this system has a dismal winning rate, losing about 9 out of every 10 sessions. As we have seen, the betting strategy with the greatest chance of winning is the negative progression. With an adequate bankroll, the risk of loss can be reduced to a reasonable amount.

The examples and simulations used in this chapter were for games of chance, rather than a game of skill like blackjack. The examples also assumed games where the house had an edge over the player. Our examples serve to illustrate the varying characteristics of betting flat versus using either a positive or negative betting progression.

In the next chapter, we will take a look at different betting systems. Several of these approaches are over one hundred years old. Let's see if our not-so-dumb ancestors had any meaningful insights on how to beat the baccarat game!

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