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House edge of mobile casino games

The house edge of mobile casino games runs from under 1% on well-played blackjack and video poker to 25% or more on keno, and your phone doesn't change those numbers. This guide ranks the games you'll find in UK casino apps, turns each edge into pounds and shows where the costly bets hide.

Key takeaways

  • House edge is the average share of each stake the game keeps; RTP is the same figure seen from the other side.
  • Blackjack with basic strategy, video poker and baccarat's Banker bet sit near or under 1%; keno and many side bets sit well above 7%.
  • Expected cost = amount staked × house edge, so fast games and big stakes cost more even when the edge is small.
  • The edge on a phone is set by the game's rules and RTP version, not by the device: check the help screen in the app.
Lowest common edge
0.46% (9/6 Jacks or Better, optimal play)
European roulette
2.70% on every standard bet
Baccarat Banker
1.06% (eight decks)
Slots (general range)
2% to 15%
Keno (general range)
25% to 29%
UK rule
Chances of winning must be shown before play (RTS 3C)

What the house edge of mobile casino games actually measures

The house edge is the average amount a game keeps from each bet, written as a percentage of the stake. Wizard of Odds defines it (opens in a new tab) as the ratio of the average loss to the initial bet, so a 2.70% edge means that, over a very long run, you lose about 2.7p for every £1 you stake.

It is the mirror image of return to player. A slot listed at 96% RTP has a 4% edge, and European roulette's 2.70% edge is the same thing as a 97.30% RTP. Our house edge glossary entry covers the definition in more detail; this page compares the games you'll actually meet in a UK app, and our mobile casino games hub has a guide to each one.

The classic formula comes from casino maths textbooks: if a bet pays x to 1 and the true odds against it are y to 1, the edge is (y − x) ÷ (y + 1). A straight-up number on a single-zero wheel has true odds of 36 to 1 but pays 35 to 1, giving (36 − 35) ÷ 37 = 1/37, or about 2.70%.

The edge is a long-run average. In a single session you can finish well up or well down; the edge tells you what the game costs on average, not what will happen tonight.

House edge by game: the mobile casino comparison table

The figures below are standard game maths, mostly from Wizard of Odds' analysis. Each one assumes the stated rules and, for skill games, the best strategy. The last column turns the edge into pounds so you can compare like for like.

House edge of common casino app games (standard rules)
Game and betHouse edgeAverage cost per £100 staked
Video poker, 9/6 Jacks or Better (optimal play)0.46%46p
Blackjack, six-deck European rules (basic strategy)0.62%62p
Baccarat, Banker bet (eight decks)1.06%£1.06
Baccarat, Player bet (eight decks)1.24%£1.24
French roulette, even-money bet with La Partageabout 1.35%£1.35
Craps, Pass line1.41%£1.41
Casino Hold'em, most common ante pay table2.16%£2.16
European (single-zero) roulette, any standard bet2.70%£2.70
Sic bo, Big or Small2.78%£2.78
Three Card Poker, Ante and Play3.37%£3.37
Typical slot at 96% RTP4.00%£4.00
Caribbean Stud (optimal play)5.22%£5.22
American (double-zero) roulette5.26%£5.26
Baccarat, Tie paying 8 to 1 (eight decks)14.36%£14.36
Keno (general range)25% to 29%£25 to £29

Two patterns stand out. Card games where you make decisions, such as blackjack and video poker, offer the lowest edges, but only if you play them correctly. Games with long-shot pay tables, such as keno, keep far more of each stake.

Slots don't have a single number. The general range quoted by Wizard of Odds is of 2% to 15%, and each game's own RTP sets its edge. Most of the popular titles reviewed on our slot pages list RTPs around 96%, which is roughly a 4% edge.

House edge on live tables and game shows

A live dealer table uses the same maths as its RNG cousin when the rules match. A single-zero wheel in a studio still has 37 pockets, so live European roulette carries the same 2.70% edge as the animated version.

Game shows are different because the edge changes with the bet you pick. Evolution gives Crazy Time a theoretical RTP of 94.41% to 96.08%, which works out at an edge of 3.92% to 5.59%. For Dream Catcher, Wizard of Odds' figures run from 3.42% (the 10 segment) and 9.19% (the 40 segment).

Game show edges by bet (developer or Wizard of Odds figures)
Game show and betRTPHouse edge
Crazy Time, best bet96.08%3.92%
Crazy Time, worst bet94.41%5.59%
Dream Catcher, number 1096.58%3.42%
Dream Catcher, number 4090.81%9.19%
Deal or No Deal Live95.42%4.58%

What each game costs per hour on your phone

A small edge doesn't always mean a cheap session. The expected cost of play is stake × number of rounds × house edge, so speed matters as much as the percentage. UK rules set minimum speeds: at least 2.5 seconds per slot spin and at least 5 seconds per round for other casino games, which caps a slot at 1,440 spins an hour and an RNG table game at 720 rounds.

Nobody plays at the legal maximum all the time, so the examples below use slower, illustrative paces. Change the numbers to match your own habits.

Illustrative hourly cost (pace is an example, not a measured figure)
GameStake × rounds in an hourAmount stakedExpected cost
Slot at 96% RTP20p × 400 spins£80£3.20
RNG European roulette£1 × 150 spins£150£4.05
Live speed roulette (about 25 seconds a round)£1 × 144 spins£144£3.89
Live baccarat, Banker (about 48 seconds a round)£5 × 75 hands£375£3.98
RNG blackjack, basic strategy£2 × 100 hands£200£1.24
Keno at a 25% edge£1 × 100 games£100£25.00

The roulette rows show why fast play adds up. The edge is identical, but an RNG wheel lets you spin as quickly as you tap, while a live speed table runs at the studio's pace. Our page on speed games looks at the faster formats, and the game speed rules explain the legal minimums.

Side bets: where the house edge jumps

Side bets are small optional wagers next to the main game, and on a phone they're often a single tap away. Their edges are usually far higher than the main bet, so they can double your cost per hand without you noticing.

Side bet house edges (pay table and deck count matter)
Side betTypical house edge
Blackjack insuranceabout 7.5% to 7.7%
Blackjack 21+3 (Evolution pay table, eight decks)3.70%
Blackjack Perfect Pairs (eight decks, 25/12/6)4.10%
Blackjack Lucky Ladies (six decks)5.87% to 24.71%
Three Card Poker Pairplus (common table)7.28%
Baccarat Tie paying 9 to 1 (eight decks)4.844%
Baccarat Tie paying 8 to 1 (eight decks)14.36%

The baccarat Tie shows how much a pay table matters: the same bet costs about three times as much at 8 to 1 as at 9 to 1. Check which version your table uses before you place it. Our side bet glossary page explains how they're settled.

Why the same mobile game can have different edges

A game's name doesn't fix its edge. Three things change it: the rules, the pay table and the RTP version the operator runs.

  • Rules: in blackjack, paying 6 to 5 on a blackjack instead of 3 to 2 adds about 1.39% to the edge in Wizard of Odds' single-deck example.
  • Pay tables: in video poker, 9/6 Jacks or Better returns 99.54% with optimal play, while 8/5 Jacks or Better returns 97.3%.
  • Zeros: a double-zero wheel has a 5.26% edge against 2.70% for a single zero, and French La Partage rules cut even-money bets to about 1.35%.
  • RTP versions: many slots come in several RTP settings. Wizard of Odds notes that one slot's RTP can differ between jurisdictions, and operators choose which version to offer.

That last point is why we never quote one RTP as universal. Our guide on whether RTP is the same on mobile explains how versions work and how to check the one you're playing.

Is the house edge higher in a casino app?

No, not by default. The edge comes from the game's rules and RTP setting, and apps don't have lower RTP simply because they run on a phone. What can differ is which version an operator offers, so the honest answer is to check the game's help screen in the app.

The Gambling Commission's RTS 3 rules on game information (opens in a new tab) require operators to give you information about your chances before you play. That can be the house edge, the RTP percentage or the probability of winning events. For games of chance, the guidance says the figure to show is the average theoretical RTP.

Our answer to whether RTP is lower on casino apps covers the common worries in more depth.

How to find a game's house edge in a casino app

Menus differ from app to app, but the information has to be there before you stake. These steps work in most UK apps.

  1. Open the game but don't place a bet yet.
  2. Look for the game's information, help or rules icon, usually inside the game window rather than in your account settings.
  3. Find the RTP or return to player line. Subtract it from 100% to get the house edge.
  4. For table games and game shows, look for a per-bet list, because side bets and segments often have their own RTP.
  5. Check the rules that move the edge: blackjack payout, number of zeros, Tie payout or video poker pay table.
  6. Work out your cost: planned stake × planned rounds × edge. If the result is more than you're comfortable spending, lower the stake or play fewer rounds.

Our step-by-step guide to finding a game's RTP in an app has more detail on where the figure tends to sit.

House edge versus volatility: why short sessions swing

The edge tells you the average; volatility tells you how far results stray from it. The expected loss grows in a straight line with the number of bets, but the spread of results grows only with the square root of the number of bets.

Hannum and Cabot's Casino Math gives a worked example: 1,000 bets of $5 on red at double-zero roulette give the casino an expected win of $263.16 with a standard deviation of $157.89. About two-thirds of the time, the result lands between $105.26 and $421.05. The example is in dollars and uses an American wheel, but the lesson holds for any game: short sessions vary widely, long ones track the edge.

That's why two slots with the same 96% RTP can feel very different. A low-volatility game pays small amounts often; a high-volatility one goes quiet for long stretches between bigger hits. Both cost the same on average.

Can strategy lower the house edge on mobile?

Correct decisions can reduce the edge in games with choices, but nothing removes it. In blackjack, basic strategy is what gets you to figures like 0.62%; play by hunch and the edge rises. Our page on blackjack strategy on mobile explains the decisions, and our answer on the house edge on mobile blackjack puts numbers on them.

Betting systems don't change the edge at all. Wizard of Odds' betting systems analysis (opens in a new tab) found that a Martingale bettor in a craps simulation went broke in 19.65% of sessions, and the loss-to-bet ratio still matched flat betting. Doubling after a loss only makes losses arrive faster and in bigger lumps, and table limits stop the sequence.

Card counting doesn't help in RNG blackjack either, because the virtual deck is reshuffled every hand. Treat strategy as a way to avoid paying more than the minimum edge, not as a way to win.

UK rules that shape the house edge of mobile casino games

No UK rule sets a minimum RTP, but several rules shape how you meet the edge in an app.

  • Information before play (RTS 3): rules, payouts and your chances of winning must be easy to find before you commit to a bet.
  • No compensated games (RTS 7): an online game can't change its odds to make up for past results, so a run of losses doesn't make a win more likely.
  • Game speed: at least 2.5 seconds per slot spin since 31 October 2021, and at least 5 seconds per round for other casino games since 17 January 2025.
  • Slot stake limits: £5 per spin for players aged 25 and over and £2 for those aged 18 to 24. These limits apply to slots only, so see our slot stake limits page for the detail.
  • Net position and time: apps must show your net spend and time played in real time during a session.

Our guide to RTP information rules goes through RTS 3 line by line.

Casino apps for low house edge games

None of our partner offers lowers a game's house edge. Bonus play happens on the same maths. These three apps are worth a look if you want table games and slots in one place, but check each game's help screen for its RTP, because we can't confirm which versions each app runs. 18+ and terms apply to every offer.

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Spin and bonus offers are for slots. Table games and live casino are often excluded or count for less, so read the terms before playing them with bonus money.

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Frequently asked questions

Which mobile casino game has the lowest house edge?

Full-pay video poker and blackjack played with basic strategy have the lowest edges you're likely to find in a UK app. The published figures are 0.46% for 9/6 Jacks or Better with optimal play and 0.62% for six-deck European blackjack. Both figures depend on the exact rules and pay table, so check the game's help screen. Among games with no decisions, baccarat's Banker bet at 1.06% is the lowest. See our video poker guide for the pay tables to look for.

Is the house edge higher on a casino app than on a website?

No, the house edge isn't higher just because you play in an app. It comes from the game's rules and RTP setting, not the device. Operators can choose different RTP versions of some slots, though, so the number to trust is the one on the game's own help screen. UK rules require that information to be available before you bet. Our answer on whether RTP is lower on casino apps explains how to compare versions.

What is the house edge on mobile roulette?

European roulette, with one zero, has a 2.70% house edge on every standard bet, whether the wheel is live or animated. American roulette, with a double zero, has 5.26%. French rules with La Partage cut even-money bets to about 1.35%. Multiplier games such as Lightning Roulette change the payouts, so check their RTP separately. Our European roulette guide shows the bets and payouts.

How do I work out what a casino game will cost me?

Multiply the total you plan to stake by the house edge. If you plan 300 spins at 20p on a 96% RTP slot, that's £60 staked × 4% = £2.40 of expected cost. Remember to count the total staked, not your starting balance, because winnings usually get staked again. Real results swing around that average, so set a budget you're happy to lose. Our budgeting guide has a simple planner.

Do side bets have a higher house edge?

Usually, yes: side bets tend to cost far more than the main bet. Blackjack insurance has an edge of around 7.5%, Three Card Poker's common Pairplus table is 7.28%, and Lucky Ladies can reach 24.71% on some pay tables. Baccarat's Tie is 14.36% at 8 to 1. Some side bets are lower, but you need the pay table to know. Our three card poker page covers Pairplus in detail.

Does basic strategy remove the house edge in blackjack?

No, basic strategy reduces the house edge but doesn't remove it. It gets you to the lowest edge the rules allow, such as about 0.62% under six-deck European rules. Playing by feel or copying the dealer raises the cost. Rule changes matter too: a 6 to 5 blackjack payout adds about 1.39%. Our blackjack strategy on mobile page explains the main decisions.

Why does keno have such a high house edge?

Keno's draw is fair, but its pay tables pay well below the true odds, so the house keeps a large share. The general keno edge listed by Wizard of Odds is 25% to 29%, and surveys of US land-based keno found even wider ranges. Online RNG keno sets its own RTP per game, so read the help screen before you play. Our keno on mobile guide explains the draw and the pay tables.

Is RTP the same thing as house edge?

Yes, they're two ways of stating one figure: RTP plus house edge equals 100%. A slot with a 96.82% RTP, such as the top version of Dead or Alive, has a 3.18% edge. UK rules let operators show either figure, or the probability of winning, so learn to convert between them. Our RTP glossary entry has more worked examples.

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