Baccarat Online

Baccarat, at the simplest approach, is a guessing game. If you are a fan of the James Bond movies (Casino Royale, for example), you might have even seen it in action. However, unlike the high-intensity duel portrayed in the movies, mobile baccarat is quite relaxed and easier to pick up.

All you have to do is place your bet and predict what hand wins, the player's hand, the banker's hand. You can also opt to bet the game will end in a tie. At the end of the game, the hand that is closer to 9 wins. Baccarat is an exciting game of chance that makes for a perfect way to make the best use of your leisure time.

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Online Baccarat Main Rules Explained

online baccarat - main rules eaxplained

To play and truly enjoy baccarat casino, you need to understand the governing rules. These rules are simple but very important,

  1. All bets must be placed accordingly before the game starts.
  2. The player's hand and the banker's hand gets two cards each from the dealer.
  3. For scores greater than 9, the adjusted value equals the digit on the right, e.g., 12 equals 2.
  4. The dealing of a third card at any point in the game depends on the house rules.
  5. The hand closest to 9 wins
Cards Value - Baccarat

Card Value

All cards do not carry the same value in the baccarat game, although numbered from 1 to 10. There are also a limited number of picture cards which typically include Jack, Queen, and the king. All picture cards and tens in the game are regarded as having a value of zero, while the ace of spades has a value of one point. However, all other cards from 2-9 have values corresponding to the exact number written on them. In calculating the values of cards, nine always remains the highest number.

Understanding Baccarat Main Features

Banker, Player, Tie bet in online baccaratAlthough online casino baccarat has many different variations, some features are common to the game. They depict the role of participants in the game and determine the exact kinds of bets you are placing. A quick one here, "bankers" and "player" are simply designations to represent the types of hands available in the game. They do not imply any special connection to the gambler or the casino house.


The banker's hand will get the value nine or the nearest figure to 9 and win. It carries a 1:1 payout, but the casino takes 5% of the earnings as commission.


The player's hand will get the value nine or the nearest figure to 9 and win. It also carries a 1:1 payout with no commission deducted.


The banker's and player's hands will result in the same value and, as such, a tie. It often carries a much higher odds of 1:8. However, this bet is typically considered the worst to play in baccarat.

Baccarat Common bets: Odds, Payouts & house Edge – 8 Deck
Bet Odds Payout House Edge %
Banker Bet 45.86% 0.95:1 1.06
Player Bet 44.62% 1:1 1.24
Tie Bet 9.52% 8:1 14.36

More Variations Of Bets In Baccarat

Online baccarat side bets explained

Aside from the standard baccarat game, a baccarat casino online may offer diverse types of baccarat games, typically offered as side bets. There are way too many variations of online baccarat bets to cover them all, but here are some of the popular ones.

  • Casino chip

    Player pair

    This is a wager that the first two cards that the player hand receives will be of matching rank.

  • Casino chip

    Banker pair

    This is a bet that the first two cards that the banker's hand receives will be of matching ranks.

  • Casino chip

    Perfect pair

    A bet that the first two cards of either the player's hand or the banker's hand will be of matching ranks and suits.

  • Casino chip

    Either pair

    This is a wager that the first two cards of either the banker or player's hand will be of matching ranks.

  • Casino chip

    Panda 8

    A bet that the player's hand will have a total count of eight with a total of 3 cards, while the banker's hand will have a total count of less than eight.

  • Casino chip

    Lucky 8

    A bet that the hand wagered on will equal a value point of 8. You can wager on either the player's or the banker's hand in this bet.

To save your time we have collected all data about side bet odds and payouts in one place:

Online Baccarat side bets - odds & payouts
Baccarat Side bets: Odds, Payouts & house Edge
Bet Odds Payout House Edge %
Player pair 7.47% 11:1 10.36
Banker Pair 7.47% 11:1 10.36
Perfect pair 3.34% 25:1 13.03
Either pair 14.2% 5:1 13.71
Panda 8 25:1 10.18
Lucky 8 4:1 13.65

Online Baccarat Odds And House Edge

online baccarat odds house edge

The house edge refers to the casino house's competitive advantage over the bettors while playing baccarat. Bets placed on the player's hand come with a house edge of 1.36%. However, in the case of the banker's hand, the house edge decreases slightly to about 1.06%. Remember we talked about how ties are generally regarded as the worst hand to play?

This is due to their very high house edge of 14.4%, which implies the chances of losing a tie to the house are significantly higher. This then brings us to the question of odds. Generally, the odds for winning a banker's bet is the highest, 45.83%, followed by the odds of winning a player's bet, which stands at 44.61%. However, the odds for a tie victory are the poorest, standing at a paltry 9.54%, so it is rarely advisable to make this kind of bet.

How Do Odds, Payouts, and House Edge Change With Different Deck Combinations?

Occasionally, you have a choice of the number of decks. Baccarat is typically played from eight decks, but you have single and six-deck options with a lower house edge.

Six Deck Baccarat

Six Deck baccarat odds and payouts
Bet Odds Payout House Edge %
Banker Bet 45.87% 0.95:1 1.06%
Player Bet 44.63% 1:1 1.24%
Tie Bet 9.51% 8:1 14.44%

Single–Deck Baccarat

Single-Deck baccarat
Bet Odds Payout House Edge %
Banker Bet 45.96% 0.95:1 1.01%
Player Bet 44.68% 1:1 1.29%
Tie Bet 9.36% 8:1 15.75%

Real Money Bonuses For Baccarat Players

Many baccarat casinos offer different real money bonuses to keep the gambling juices flowing. Popular bonuses include: Welcome bonus, match bonus and reload bonus. In addition, some casinos also provide a no-deposit bonus that allows you to enjoy baccarat for free. Note that these bonuses may come with specific wagering requirements to redeem them. You can also participate in the weekly baccarat games to enjoy incredible bonuses and promotions.

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Interesting Betting Strategies

Although free baccarat is a game of chance, some strategies can improve a gambler's chances of winning. You should, however, note that these are not guarantees for a victory.

Positive Progression system

Positive Progression System

The positive progression system is a strategy to maximise your gains during a winning streak by increasing your bet any time you win. Different betting methods use the positive, progressive system. They include:

  • The Paroli method:  Here, you double your subsequent bet any time you win. Once you're able to hit a 3-time winning streak, you stop doubling your bets and return to your default bet.
  • The 1-3-2-6: This is another common positive progression method. It involves a multiplication system in which you multiply your bets after each winning following the order 1-3-2-6. You stake 3x of your default betting when you win for the second time, 2x when you win the third time, and finally 6x of your bet amount.
  • The parlay: In this kind of bet, you use your winnings to increase the size of your subsequent bets. In technical terms, it would look something like this "winnings + normal wager."
Negative Progression system

Negative Progression System

The main goal behind a negative progression is to allow you to recoup your losses after a losing streak. This baccarat strategy gives you a chance to write off your losses and even end up in the profit margin. Several strategies are based on the negative progression; they include;

  • The Labouchère method: You first have to set your intended profit margin using this strategy. As the game proceeds, all you have to do is adjust the size of your bets based on whether you are winning or losing to match your profit margin.
  • Martingale: This is one of the most known baccarat strategies based on the negative progression system. Created by the French mathematician Paul Pierre Levy, the Martingale system requires you to double your bets after every loss while maintaining the same hand. If you finally win, you would have recouped back all your losses, after which you should then go back to your beginning bet size.

Other popular negative progression methods include the Fibonacci strategy and the d'Alembert method.

Most Popular Types Of Online Baccarat

Some types of online baccarat enjoy more widespread popularity than others, depending on the location and casino. The following are the most popular types of online baccarat:

  • Online Big Baccarat

    Big Baccarat

    Big Baccarat is the original version of the baccarat game. The game is directed by a groupie assisted by two other dealers. Gamblers with the largest bets on the player or banker's hand have the opportunity to view the cards before other bettors. Note that this merely adds to the fun; it does not confer any special advantage over other players.

  • Online Mini Baccarat

    Mini Baccarat

    Mini Baccarat is, in reality, just a smaller version of the larger game, requiring fewer players (around 7-9) and taking less time to complete. Mini Baccarat uses only one dealer compared to the multiple dealers in Big Baccarat and has smaller betting stakes and limits. Also, players are generally not allowed to touch the cards; however, all the normal rules and guidelines of normal baccarat still hold.

  • Online Live Dealer baccarat

    Live Dealer Baccarat

    Live dealer games offer one of the richest experiences of an online casino. In Live Baccarat, you interact with a live dealer even though you're playing from a virtual table. You can play, and stream baccarat live using your mobile device regardless of whether you are on an Android or iPhone. Live Dealer baccarat offers the closest thing to a live casino in terms of the light, sound, and overall experience.

  • Online Chemin de fer

    Chemin De Fer

    Chemin De Fer is an older but faster form of baccarat. In fact, it was given this name to compare its speed with that of a railway. One key uniqueness that distinguishes Chemin De Fer is that players in this game can decide how a hand is played. The player with the biggest bets also gets to decide whether a third card is dealt with or not.


How To Start Playing Baccarat Online For Real Money

  1. Choose a casino from our list

    To get started with playing baccarat online for real money, go over to any of the online casinos we've listed earlier in the article.

  2. Choose a good welcome bonus

    When you sign up for an online casino for the first, you automatically qualify for a welcome bonus offer. You can compare different casinos to decide the ones with higher welcome bonuses.

  3. Make a deposit

    Making your first deposit makes you eligible to redeem your welcome bonus, which you can withdraw after meeting all the necessary wagering requirements.

  4. Choose a game and wait until you get your cards

    Select the casino game of baccarat and decide whether to place your bet on the player's hand or the banker's hand.

  5. Take a win

    Once the hand you placed your bet on can get the highest value closest to 9, you win. After this, you can choose to continue playing the game with a positive progression system or take a bow.

Tips That Might Help You Save Money

  • Learn The Rules

    Learn The Rules

    Understanding the basic rules behind the game of baccarat will help you track the game flow and make sound mathematical decisions.

  • Never Bet On Tie

    Never Bet On Tie

    The Tie has the highest house edge and the lowest odds for a win, even though it has the highest payouts. Whatever you do, don't place your bet on ties; you're almost certain to lose.


  • Banker Bet Is The Best Choice

    Banker Bet Is The Best Choice

    Although the casino charges a 5% commission on the banker's earnings, this hand remains your best choice for a win due to its lower house edge and improved odds of winning.

  • Manage Your Bankroll

    Manage Your Bankroll

    Like any other game, baccarat can get addictive fast. Decide your budget or profit margin before playing and stick to it. This will stop you from incurring heavy losses.

  • Play Short Sessions

    Play Short Sessions

    The best way to play baccarat is to split your game time into small sessions. Avoid playing a session for an extended time; you might end up making mistakes that would cost you.


  • Play Only In Licensed Casinos

    Play Only In Licensed Casinos

    To avoid running into issues with the law and local authorities, make sure the online baccarat casinos you play in are fully licensed to operate in your country.


Which bet is the most lucrative in baccarat?

The answer is  The Tie. It offers as high as a 1:8 payout in many baccarat online casinos; however, the tie bet is generally considered a sucker's bet.

Are side bets a good idea in baccarat?

It is recommended you ignore side bets as much as possible when playing baccarat. They cost way much higher and can also distract you.

Is baccarat similar to blackjack?

While some versions of baccarat have similarities to blackjack, the two games are entirely different with peculiar rules.