Baccarat Online and All About It

Baccarat is a gambling game that dates back to the 1500s, or perhaps earlier, and it’s still in demand today. The easy rules and simple setup is ideal for online play, making it even more popular.

Most historians believe that Italian gambler Felix Falguierein invented the modern game before it migrated to France in the early 1500s. Punters in the UK adopted the French version of Chemin de fer, changing the rules to evolve this into European baccarat.

Although this game made it to the US in the late 1800s, it wasn't until the 1950s that a Cuban version gained popularity in Las Vegas casinos. In the past, only the nobility and high rollers could play baccarat, but with the introduction of baccarat online, this game is available to everyone.

  • We'll explore the following in this article:
  • Top-rated online baccarat casinos
  • Main baccarat rules
  • Baccarat main features
  • Online baccarat house edge and odds
  • Betting strategies
  • Online baccarat variations
  • How to start playing baccarat online

Page contents

Top-Rated Online Casinos for Baccarat

Online Baccarat Main Rules Explained

Baccarat Main RulesThe easy rules of baccarat are what make it so popular with gamblers worldwide. Similar to blackjack, the dealer and the player each receive two cards. You have the option to bet on the player or the banker to win.

The hand that is closest to nine when the values of the cards are added together is the winner. Occasionally the banker, player, or both may draw a third card. If the values of the cards exceed nine, then subtract ten from the total to determine the final value. If the hand consists of a seven and an eight, then the final value is five. (7+8=15, 15-10=5)

  • The procedure for wagering on baccarat online is easy:
  • Choose your stake by clicking on the chips
  • Place your bet on a player, banker, or tie
  • You may have side-bet options
  • Click on the deal button
  • Either two or three cards are drawn to decide the outcome of the game
  • Any winnings are added to your balance
  • You can now place a new bet or repeat your previous bet
Card Value Baccarat

Card Value

The baccarat card values have some differences from most casino table games. This is one of the few games where some cards have a zero value. No importance is attached to suits of cards, only the face values. The cards have the following values:

Ace: One

Two to nine: Face value of the card

Ten, Jack, Queen, and King: Zero

Understanding Baccarat Main Features

baccarat main featuresIt's easy to understand the main features of baccarat once you know the card values and the flow of play. The goal is to guess if the banker or the player will win the hand before the cards are dealt. There’s a third option for a tie, where the card values of the banker and player add to the same result. The three main betting options are:

Banker: The banker bet has a slightly lower house edge at 1.06%, but most casinos take a 5% commission on winnings

Player: The player bet house edge is 1.24%, but the casino takes no commission

Tie: The tie wager counts on the values of the player's, and the banker's hands being equal and has a house edge of 14.36%

8 Deck Baccarat odds and payouts
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

Variations of Bets in BaccaratIf you crave more excitement or variation in the game, you can look for a baccarat casino that offers these side bets.

Player pair: You wager on the first two cards dealt with the player being a pair

Banker pair: A bet on the first two cards dealt with the banker being a match

Perfect pair: The wager pays out if either the banker or the player receives two cards matching both value and suit

Either pair: Your wager is that the banker or the player will receive two matching cards

Panda 8: A panda 8 requires the player to win with three cards adding up to a value of eight

Lucky 8: For this wager to payout, the total value of the winning hand must be eight

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, House Edge

online baccarat odds house edgeThe low house edge for baccarat makes it popular with gamblers. If you stick to the main bets of a banker or player, the house edge is only 1.06% and 1.36%, respectively. If you're betting on a tie, this increases to 14.4% with a payout of 8:1.

If you like the risk and bigger payouts, some of the side bets compare better. For example, the Panda 8 pays out 25:1 but only has a house edge of 10.19%. Game developers base most online baccarat games on an eight-deck shoe, with a marginally higher house edge.

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

One of the advantages of gambling online is that you can take advantage of bonuses and promotions that you would seldom find at a land-based casino. You may not find specific baccarat promotions, but that doesn't mean you can't take advantage of welcome bonuses or any promotion that includes table games or live casino options.

Claim a bonus and keep playing your favourite version of baccarat for longer.

Interesting Betting Strategies

Baccarat is purely a game of chance, but you can try these two progressive betting strategies to increase your likelihood of winning more money than you lose. With the positive progression system, you increase your bet after each win and decrease or keep your stake the same if you lose. The negative progression systems work the opposite way. Try these strategies while playing baccarat for free.

Positive Progression System

Positive Progression System

The most popular and easy-to-use positive progression system is the Paroli system. The Paroli system is the inverse of the Martingale negative progression betting strategy.

Select your initial stake at around 2% of the total you're willing to bet on one hand

  • If you lose, keep your stake the same
  • If you win, double your stake

A few interesting facts about the Paroli system:

  • The Paroli system is about 400 years old, and gamblers developed it for the basset card game
  • The name derives from the Latin par, meaning equal
  • You can use it for any even odds betting on games like roulette, pai gow, or sic bo
  • No system will guarantee you a win, but you can use it as a method to control your bankroll
Negative Progression System

Negative Progression System

Most progression betting systems use this type of method. We'll describe the Fibonacci system below.

  • The Fibonacci betting system is based on the Fibonacci sequence of numbers and gives you a method to determine your stakes (1, 1, 2, 3, 5, 8, 13, etc)
  • Add the last two numbers in the sequence to arrive at the next in the sequence. (1+1=2, 1+2=3, 2+3=5, 3+5=8, etc)
  • After each losing wager, you progress to the following number in the sequence
  • When you win a bet, you go back to numbers in the sequence
  • This system can be used as a method to manage your bankroll
  • The disadvantage of using this system as you may quickly run out of money if you have an extended losing streak

Most Popular Types of Online Baccarat

Let's look at some of the most popular versions of baccarat online. You can play baccarat for free and try different versions to find which one you prefer. 

  • Online Big Baccarat

    Big Baccarat

    • The full-size version of the game is known as big baccarat
    • Up to 14 players can join the game
    • You can have up to three dealers
    • The table is oval-shaped
    • The players' places are marked from one to 15, with the unlucky 13 left out
  • Online Mini Baccarat

    Mini Baccarat

    • You can have five to seven players
    • The table is in a semi-circle
    • There are no players in the place marked "4" as it's considered unlucky in Asia
    • You get one dealer who stands opposite the players
    • The lower bet limits make this version popular in most casinos
    • The mini version of baccarat isn't for high-rollers
  • Online Live Dealer baccarat

    Live Dealer Baccarat

    • It can be any baccarat version with a live dealer
    • Not always available 24/7
    • You can interact with other players and the dealer during live baccarat games
    • In some versions, you can make side bets
    • The game is typically played with a mini-baccarat table setup
  • Online Chemin de fer

    Chemin De Fer

    • Chemin de fer is the oldest modern baccarat version
    • Popular in Europe and France
    • It's played around a kidney-shaped table
    • The table has 12 player seats, two dealer seats, and one banker seat
    • Played from a six-deck shoe
    • Players bet against each other, and each player has a chance to act as a dealer or banker

How to Start Playing Baccarat Online for Real Money

  1. Choose a casino from our list

    Use our list to choose a fair and reliable casino that suits your preferences.

  2. Choose an excellent welcome bonus

    An advantage of online gambling is the promotions and welcome offers from casinos, so don't forget to claim the best welcome bonus for you.

  3. Make a deposit

    Choose your favourite deposit method at the casino and fund your account so you can start playing for real money

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

    Choose the game you want to play, place your stakes and start playing.

  5. Take a win!

    As soon as you cash out of the game, any wins and losses will show on your player account.

A few tips for baccarat players

  • Learn the counting rules

    Learn the counting rules

    Card counting in Baccarat is possible, even though it is frowned upon by many casinos. The basic premise is estimating how many cards are left in play and making an educated guess as to which they might be. If you master this technique and get the hang of the system, then you stand the chance of winning some big money.

  • Never bet on Tie!

    Never bet on Tie!

    This is probably the worst bet you can make when playing Baccarat because the house has a high edge of 15.75%. Any bets placed on either the Players or Banker’s hand are returned if there is a tie. You can keep them in the betting space and change your bet on the next round.

  • Use bonuses to play Baccarat

    Use bonuses to play Baccarat

    Try to get a welcome bonus for a free Baccarat game. Keep an eye out for new promotions. Be sure to check the T&C’s of the bonuses, as many of them are specific as to which games qualify.

  • Manage your bankroll

    Manage your bankroll

    Don’t spend more money then you can afford to lose. Baccarat is a game of chance with a little bit of skill thrown in. Make sure to quit while you’re ahead.

  • The best bet is the Banker

    The best bet is the Banker

    At a very low 1.01% house edge, this is the most beneficial bet type in Baccarat. If you place your chips in the ‘banker’ space, you are betting on the Banker’s hand. If the bankers dealt cards are higher than the players hand, you’ll win the round. Just remember that there is a standard 5% commission fee on any winning amount.

  • Proper strategy development

    Proper strategy development

    There are few strategies to use when playing Baccarat, some of which are D’Alembert, the Labouchere system and the Parlay and Paroli systems. The most popular strategy is the Fibonacci progression system.

    After mastering the rules of the game, you can play Baccarat online free to test each of the above strategies. Practice your favourite and hone it to perfection. Finally, implement what you’ve learned and play Baccarat online for real money.


Do all casinos offer Baccarat?

Any online casino that offers a live casino option will usually have Baccarat as one of its games. The game is played with a live dealer and is one of the most popular online games.

Is Baccarat expensive to play?

Each casino will have its limits on minimum and maximum bets. But, baccarat is a relatively inexpensive game to play. It can get expensive for the player if they do not control their budget and spend more than they planned.

Where did Baccarat originate?

The game originated in Italy in the 1400s. It was invented by a man called Felix Falguiere. It was initially called “Baccara” which is “zero” in Italian because all the face cards and the tens were equal to zero.