Bet on your own hand (Player) and you face a house edge of 1.24%. Bet on the Banker's hand and the edge is either 0.6% if there's a 4% House cut or 1.06% their cut is 5%. Finally, in Baccarat there's the Tie bet which at best gives the house almost a 5% edge (Pay 8:1) and at worst 14+% (Pay 9:1). Forget the Tie bet for obvious reasons. Unless you can find a Baccarat game with 4% on Banker bets, betting Player or Banker is six of one, half a dozen of the other.