Last Updated: February 2, 2021

# Lucky 99

## Introduction

Baccarat 99 is a baccarat side bet, seen on multi-game machines called Casino Wizard. The bet wins if at least one side gets a natural nine.

## Rules

The rules are quite simple. If the Player side only has a natural nine, then the Lucky 99 bet pays 2 for 1. If the Banker side only has a natural nine, then the Lucky 99 bet pays 5 for 1. If both sides have a natural nine, then the Lucky 99 bet pays 25 for 1.

## Analysis

The following table shows my analysis of Lucky 99. The bottom right cell shows an expected return of 82.58%. In other words, a house edge of 17.42% (ouch!).

### Lucky 99 Analysis

Event Pays Combinations Probability Return
Player and banker natural nines 25 44,838,810,157,056 0.008971 0.224266
Banker natural nine 5 429,522,620,252,160 0.085932 0.429660
Player natural nine 2 429,522,620,252,160 0.085932 0.171864
No naturals 9's 0 4,094,514,224,841,980 0.819165 0.000000
Total   4,998,398,275,503,360 1.000000 0.825790

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