Online Baccarat

Published: 10.08.2021 Update: 05.10.2022
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Lily Lamb

Baccarat has one of the lowest House advantages of the online casino. Contrary to what everyone thinks, it is easy to learn and accessible. Read all about this fascinating casino game here and learn how to play Baccarat online like a real James Bond.

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Baccarat is the most popular casino game in some parts of the world. It is especially popular in Asia. The majority of the gaming tables in Macau casinos consist of baccarat tables and also many of the real high rollers in Las Vegas play it.

In the private salons of the casino they play with bets that can reach hundreds of thousands of dollars per bNZDt.

In the online casinos the game is very popular in the Live Casino, with Evolution Gaming in particular being great with various variants of Live Baccarat, including Lightning Baccarat , Baccarat Dragon Tiger .

It has a reputation for being an elite game. An image that is caused by the fact that Baccarat in the land-based casinos is often hidden in the high-limit sections.

This image is not correct, in fact it is a very accessible casino games for beginners . It is also one of the table games with the lowest house edge and the highest odds of winning. Definitely worth a try!

In this article we explain how online Baccarat works, what betting options there are and which bets have the highest payout percentage. We go into the best strategy and explain why you should always avoid side bets.

evolution gaming live baccarat

Purpose of the game Baccarat

Baccarat is a very simple game. You have three options to bet in the base game:

You bet on what you think will be the outcome of the game. Will the player win, will the bank win or will it be a draw?

After you have made your choice and placed your bet, the game begins. The goal is to get as close to the 9 points as possible

Baccarat Game Rules

The dealer deals two cards to both the player (punto) and the banker (banco).

The scoring is as follows:

For example: a player gets a 6 and a king, then the total value of his hand is 6 + 0 = 6.

If the total number of points exceeds 9 then only the units are looked at and the Ten is dropped.

For example: a 6 and an 8 is a total value of 14, 6 + 8 = 14, because the tens do not count, the 1 expires and 4 remains.

Then there are fixed House rules regarding the purchase of Cards. Specifically, this means that the player is dealt an additional card if he has a total of points from 0 to 5.

Whether the bank gets an extra card depends on two things: the bank's point total and the player's point total. Which rules are used in the game you have chosen can be found in the game explanation for the respective game in the online casino.

Whoever comes closest to the 9 points wins. If the player and the banker get equally close to the 9 points, then it is a draw.

Baccarat Payouts

There are only three possible outcomes in the basic game: the player wins, the banker wins or it is a draw.

That yields the following payouts:

Commission

With a bank win, you only get paid 95% of your bet, because 5% commission is withheld. This 5% is the commission normally paid in Baccarat to play banker. You do not pay this commission for nothing: the probability that the bank will win is the greatest.

Baccarat payout percentage

Baccarat has one of the lowest House advantages in the online casino.

The probability of the bank winning is 45.86%. The probability of the player winning is 44.62%. The probability of a draw is 9.51%.

Betting on player, although it gives a higher payout than betting on the bank because you do not pay a 5% commission, but has a lower chance of winning.

The payout percentage of this bet is 98.64%, with a house edge of 1.36%. Still an excellent percentage compared to many others casino games incidentally.

And what about the draw? You better not bet on that. Although the payout is the highest (8 x the bet), the probability of a draw is small. The bank's house edge on a tie is astronomically high at 14.36%. That amounts to a payout percentage of, fear not, 85.64%.

In some countries and / or online casinos, the tie bet pays out a little more, but even that still makes it an unattractive bet.

Baccarat payout percentage

House edge and RTP of online Baccarat

So you have the best chance of winning if you bet on the bank. Even with the mandatory 5% commission, the payout percentage on this bet is the highest: 98.83%. That equates to a house edge of just 1.17%. This makes the bank bet one of the very best bets in the online casino.

This also makes it a ‘dangerous’ game for casinos. especially in the land-based casinos, due to the low house edge and the huge stakes, gigantic amounts can be won. Casinos make millions every day, but they can also lose millions. It is the reason why there is almost always a betting limit in Baccarat.

Side Bets

A side bet is an additional bet option that you can only make if you have placed a regular bet (Player, Banker or Tie).

There are many different types of side bets in Baccarat. All of them promise a high payout, but the payout percentage is low.

Side bets are intended to further increase the house edge for the casino and we therefore do not recommend using them.

These are the most played side bets:

The payout percentages of these side bets range from 86.29% for ‘Either pair’ to 91.95% for a ‘Perfect pair’. If we convert that to the house edge, you get percentages from 8.05% to 13.71%.

This is exactly why they call these types of bets “Sucker Bets”. Read our review of Side Bet City , then you know what we're talking about.

Play Online Baccarat

Now that you know the ins and outs of one of the best table games out there, it's time to get your bearings on where exactly you're going to play. Fortunately, nowadays you don't have to go to a ‘real’ casino to play Baccarat. There are many online Baccarat games.

Online you have the choice of many free Baccarat variants, something you will not find in a land-based casino! In addition, you can benefit from attractive Baccarat bonuses and you can play Baccarat on your mobile wherever and whenever you want.

Baccarat Bonus

One of the biggest advantages of the online casino is of course that you can take advantage of casino bonuses. These can help you by doubling your balance and sometimes even multiplying it even more.

This way you can get hundreds and sometimes thousands of extra dollars in free money. Of course, you don't just get that, but that is associated with certain bonus conditions.

Most online casinos offer a bonus for new players. This often comes in the form of a deposit bonus on your first and sometimes also on your second and/or third or fourth deposit.

For existing Baccarat players, online casinos often offer recurring bonuses such as a reload bonus and very occasionally you can even benefit from a no Deposit bonus.

Baccarat is a game that is very popular among High Rollers, for them the online casinos have special VIP bonuses stand ready. Often these consist of exclusive promotions, valuable gifts and/or deposit bonuses that fit their high budget.

Attention! Before accepting a bonus, read the bonus conditions carefully. Not all casinos allow you to use the bonus to play Baccarat online.

Play online Baccarat for real money or for free?

Many casinos give you the chance to play a free version of their online baccarat games. That's handy if you want to get a better handle on the game before you start playing for Real Money.

Even for experienced players, playing for FREE can be useful and, of course, just fun. The gameplay and stakes are the same as in online Baccarat for real money and so it's perfect to try out a new strategy without risking your own money.

In the end, you can then play for real money and experience the thrill of winning Real Money. Below we compare the advantages of both options.

Play Free Online Baccarat Playing Baccarat for Real Money
Learn the rules of the game without risk Play baccarat with bets starting at $0.50 per hand
Test a Baccarat strategy without risk Play easily from home or on the go
The same software as Real Money games Get a chance to win real money
Play as long as you want without losing a penny Take advantage of a casino bonus
Play easily from home or on the go More tension

Online Baccarat on your mobile

In order to enjoy Baccarat, you really don't have to go to a land-based casino anymore. You are not even tied to your house anymore because on your mobile you can play online Baccarat wherever and whenever you want.

Make use of the casino apps that are suitable for all iOS and Android devices. You can also easily play via the browser of your smartphone. Most gambling sites are optimized for mobile so there is no difference between playing Baccarat on your mobile or on your desktop.

Playing Live Baccarat

Live dealer Baccarat brings the thrill of the real casino to your screen.

In the online casino games you get the opportunity to digitally join a real Baccarat table with a real dealer and real cards. The action is streamed live to you via high-quality HD webcams from different angles, so you can follow every move of the live dealer.

Live Baccarat not only comes in the classic variant but there are a variety of new, exciting versions of the game available with original game rules, bonus games and betting options.

Find the best Baccarat Casino Online

Discover the best casinos to play baccarat online here. All of our recommended sites offer a variety of online baccarat games for Real Money. Prefer to play free Baccarat first and find the best strategy? Of course you can!

When we review online casinos, we rely on our knowledge and experience in the industry as players. We assess each casino on several important factors after which we decide whether we recommend a casino to you. If you are looking for the best casino to play Baccarat online then you have come to the right place.

Read our reviews or take a look at the online casino NZ top 10 . If you want to make it completely easy for yourself, scroll up and choose one of the reliable casinos at the top of this guide to start playing Baccarat online.

Baccarat terms

Below you will find the most commonly used terms that come in handy when you start playing Baccarat online for Real Money. Of course, you can also use them in the land-based casino.

Keep the list handy to be able to follow exactly what is happening at the table.

Baccarat Strategy

Because the buying and matching of Cards is done according to fixed House rules, you as a player can not influence that.

The best Baccarat strategy is therefore to play only bets with the lowest house edge: the Bank bet.

In any case, whatever you do, always avoid the tie bet and the side bets: these have a very high house edge that can reach up to 14.71%.

The following are two well-known Baccarat strategies. Please note that there is no mathematical proof for ‘beating’ the casino. There is always a house advantage. The longer you play, the more likely you are to lose all your money again. So the trick is to stop playing in time.

Martingale Strategy

This is pretty much the same as The Martingale strategy. online Roulette . The idea is that you ‘make up’ for your losses and stay ahead of the casino. You need to find a table for this without Commission.

Choose player or banker. Start with a small bet, for example, $1. If you win, you take your winnings and bet $1 again. If you lose, you bet the next bNZDt $2. Are you losing again? Double your bet again. Once you win again, you start again at $1.

In itself a smart idea but if you get a lot of losses in a row, that can add up quite a bit. Starting at $1, after losing 7 times means that you have to bet $128.

1-3-2-4 Baccarat Strategy

The numbers in the name tell you the betting structure. Start with $1, if you win then bet $3. You Win again? Then you bet $2 and if you are very lucky and win again your bet is $4 next time. If you lose, you go back to $1. The advantage of this strategy is that the bet amount is not as high as in Martingale.

Myths and misconceptions about Baccarat

There are a number of myths in the world about this great casino game that make some people never try it. Too bad, of course, because it's so much fun!

We therefore like to print this lariekoek in the head.

Myth 1: Baccarat is hard to learn

Not right at all! As you can see above, the rules of the game are very simple and there are only 3 possible outcomes. Oh, and then there's the golden rule: Always bet on the bank. So, nothing difficult about it.

Myth 2: Baccarat is an elite game

Ok, this may have been true in the past but is definitely not true anymore. Even for’ ordinary ' people with a moderate budget, Baccarat is very accessible. You don't have to have millions of dollars to play the game. Both the Live and online Baccarat variants are available with low minimum bets and you can also play from your own home.

Myth 3: You can win by paying attention to Baccarat patterns

Fake news! There are no fixed patterns. The outcome of each game is determined randomly and you are therefore at the mercy of chance. The probability of winning for player, banker and tie are exactly the same every game namely: banker =45.86%, player = 44.62% and the probability of draw is 9.51%.

Myth 4: You can count cards in Baccarat.

Nope on a rope ! In Baccarat there is no possibility to bet during the game, because the cards are only dealt after all bets have been placed and so you can not count cards.

Myth 5: A winning strategy is guaZodiaceed to help me win

I would love to know what strategy that is. Who invented it is now a multimillionaire. All the craziness on a stick, don't fall for it. The outcome is determined by fate in land-based games and Live Dealer Games. Online Baccarat runs on an RNG where the outcome is kept random by a computer algorithm. There is no strategy that guaZodiacees profit.

Myth 6: Baccarat is only worth playing with large amounts

See Myth 2. You definitely don't need to bet very big to have fun with online Baccarat.

Baccarat Variations

In the history of the game, it has traveled through many countries and each country has thus added its own rules. This resulted in several variants that are still played to this day. And we are not even talking about the many online variants that have been created in recent years that are played in the online and live casino.

Below you will find the 4 Traditional Baccarat variants.

Punto Banco

This Variety has its origin in South America. The Cuban version is played with up to 14 participants and the player is called ‘Punto’ and the banker is called ‘Banco’. The third card is dealt anyway, the player has no choice here. The dealer announces the winner.

Bank

This variant has a fixed bank operated by the casino. Participants can bid on the bank's bet and only the highest bid is accepted and placed. This version is fairly rare but is still played in a few casinos in dollarpa.

Chemin de Fer or ' Chemmy’

One participant can only bet on the bank, the others must bet on the player. The position of the bank rotates clockwise and everyone is so around the bNZDt the bank. The participant who is the banker also deals the cards. This variant is still very popular, especially in casinos in France and is generally very popular among high rollers.

Mini Baccarat

This is a mini version of the game that is played on a table that can seat up to 8 participants. Mini-Baccarat generally has lower betting limits and so is most loved among casual gamblers.

Frequently asked questions about Baccarat

By betting on the hand you think is going to win. You can choose from banker, player or tie. Read our comprehensive guide above on what you need to do to win.

No, you bet before the cards come on the table and no longer during the game.

If you bet on bank and the bank wins then you only get 95% of your winnings paid out and the rest goes to the casino. The 5% that goes to the casino is called Commission.

Yes. In fact, we recommend you play in the live casino instead of online baccarat. Here you are sitting at a real table with a real dealer with Real cards. Although this is via the live stream, you still get the feeling that you also get when you play in a land-based casino.

Why not? It is a simple and accessible game that is easy to learn and very exciting. It has a low house edge and you do not play against the other participants but against the casino. What more do you want?

Yes! There are many different online casinos that offer their games in a demo mode so you can practice for free.

No, the game is 100% luck. All you need to know are the rules of the game .

As far as we are concerned, the only strategy is: always bet on bank and never on tie.

It has the lowest house edge in the casino and often high betting limits. They can win a lot of money in a short time.

007 plays Chemin de Fer in the films Dr No, Thunderball, On Her Majesty's Secret Service and GoldenEye. The game also plays a major role in the first James Bond novel ‘Casino Royale’. Funnily enough, in the Casino Royale movie he doesn't play Baccarat but No-Limit Texas Hold'em Poker.

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