2024 Best Reviews Guide To Online Baccarat

Baccarat is one of the most popular casino table games, and this guide will show you how easy online baccarat is to play. In the original brick and mortar casinos, baccarat players were always elegantly dressed, but the introduction of online casinos changed all that. In 2024 anyone can play baccarat online from the comfort of their own home, or even on the go with a mobile device.

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The Popularity of Online Baccarat With Gamblers Worldwide

With simple rules and fast gameplay, baccarat is an easy casino game for new players to pick up and is popular around the world. You can learn the basic rules in a matter of minutes, and since there are no decisions to make after the initial wagers, you just need a good betting strategy. Brick and mortar casinos typically offer a small number of tables, but online casinos offer many variants to play, making it more lucrative for gamblers to play online.

History of Baccarat

Baccarat is one of the oldest card games, but its exact origins remain a mystery. Many people contest that the game originates from France, but there is some evidence that points to the game originating from Italy and making its way to France by soldiers returning from the Italian Wars in the late 15th century.

The Basics – How to Play Online Baccarat

Anybody can play online baccarat after learning some basic rules, it may look complicated at first, but it is actually, quite simple. The game is played with 2 hands given to a player and a banker. Before the cards are dealt, you place a wager on what you believe the outcome of the hand will be. There are no more actions to take, the croupier takes care of the gameplay.


While there are many different variations, the basic rules for all baccarat games remain the same. The player and banker’s hands are evaluated and awarded a score. There are 3 possible outcomes, the player has the best hand, the banker has the best hand, or they have the same score. Depending on the cards, a hand may receive a third card, but this is taken care of by the dealer.

Baccarat Terminology

While you do not need to know the terminology to play for real money at an online baccarat table, it makes the game more enjoyable, especially at a live dealer game.

Baccarat:The name of the game means zero in Italian, which is the worst hand score that you can achieve in the game. If the dealer or the player scores zero, this is known as baccarat.
Banco:The Spanish word for the banker. The banker is one of the 2 hands in the game, the other is the player’s hand.
Bankroll:This refers to the amount of money you place on the table to wager with. You cannot lose any more than the money you have in your bankroll.
Banque:A baccarat variation popular in Europe where there are 2 tables and the banker sits in the middle. There are 2 player hands and the dealer will play his hand against both of them.
Burning:To ensure fair play, the croupier will burn or remove some cards from the top of the deck after shuffling.
Commission:The house edge in baccarat is very low for both the player and banker’s hands, but the banker bet comes with a 5% commission for the casino.
Croupier:The French word for the dealer, the croupier is the attendant who deals the cards and announces the winning hand.
Cut Card:A piece of plastic approximately the size of a playing card. It is inserted into the deck and the cards are cut at this point and placed into the shoe.
Face Cards:The face cards in a normal deck are the Jacks, Queens, and Kings. Face cards are all worth zero in baccarat.
High Roller:The stereotypical person who dresses elegantly and makes big bets at the baccarat table. Think of James Bond when he plays Chemin de Fer in the movies.
House Edge:The house edge is the advantage the casino has over the player. The casino will always win in the long run, and the house edge is how much profit the casino will makeover time, no matter what the outcome of a particular hand.
La Grande:The best hand you can get in baccarat is a score of 9. A natural is a score of 9 using 2 cards and is called The Big One – La Grande.
La Petite:The second best hand you can get is known as the Little One. It consists of a score of 8 with 2 cards.
Natural:Getting La Grande or La Petite. If the first 2 cards the player or banker receives adds up to 8 or 9, this is a natural.
Palette:The name of the long paddle the croupier uses to move the cards during the game.
Player:Although many people can place a wager on a round of baccarat, the croupier only deals 2 hands. One belongs to the Banker and the other belongs to the Player. The people making wagers are referred to as punters.
Side Bets:These are bonus bets that are sometimes available aside from the 3 main bets. Typically they include things like what color the cards in a hand will be, or the value of the 2 hands combined.
Shoe:The shoe is the box that holds the decks of cards to reduce the chance of accidents when dealing. Typically a casino will use six or eight decks of cards in the shoe.

Hand Values

A hand in baccarat has a value of 0 to 9. Aces are worth 1 point. All cards from 2 to 9 are worth their face value. Jacks, Queens, and Kings are worth 0 points. If the value of a hand is less than 10, then that is the total score. If the value is a 2-digit number, then we just use the digit on the right-hand side.


There are 3 main bets in online baccarat to coincide with the 3 possible outcomes. Additionally, some variations also offer side bets that you can make.

Baccarat Bet types

Player Bet

With a house edge of 1.24%, the Player bet in baccarat is not as favorable as betting on the Banker. There is no commission to pay on any Player bets, but the house advantage on the Player is still more than on the Banker even after the commission is taken. While it may seem like a good idea to play both sides and switch your choices, you should always wager on the Banker.

Banker Bet

The Banker bet is the most favorable choice since it has an extremely low house edge of 1.06%. This is lower than the Player bet since the banker has the advantage of playing second, similar to the dealer’s hand in Blackjack. Remember though, the casino will take its 5% commission from all wagers on the banker’s hand. However, even with the commission, the Banker bet gives you the best chance to win.

Tie Bet

It is best to avoid the Tie bet in any real money baccarat game if you wish to win money in the long run. Most casinos payout at 8:1 for correctly choosing the Tie bet, and although this looks like a promising reward, the house edge on this bet is over 14%. This exceptionally high house edge makes it the most unfavorable bet you can make. No matter how strong the temptation, avoid the Tie bet.

Other Available Online Baccarat Bets

Depending on the casino you play at, and the variation you play, you may have the option of placing side bets. These are additional wagers that you can place to increase the number of ways to win. They usually have fixed odds and can seem quite attractive at first. There are hundreds of different side bets that a casino can offer. An example is betting on All Black/All Red, where you are predicting that all the cards in the player’s hand will be the same color. A winning All Red side bet usually pays 22:1 and an All Black win pays at 24:1.

Baccarat Online Games

When you play the game of baccarat online, there are many different variations to choose from. The basic rules are usually the same, but there are extra rules and side bets that make each variation different.

Chemin de Fer

Chemin De Fer

Chemin de Fer comes from the french word for a railway. Originating in France at the end of the 19th century it is faster than the original game. The main difference in this baccarat game is that one player is assigned the role of banker and he is playing against all the other players as the bank.

Punto Banco Baccarat Game Variantt

Punto Banco

When you play baccarat in a land-based casino, you are likely playing Punto Banco. The croupier is the bank at all times and you wager on the Punto (the player) or the Banco (the banker). Punto Banco is the most popular live dealer baccarat game.

Baccarat Banque

Baccarat Banque

Chemin de Fer comes from the french word for a railway. Originating in France at the end of the 19th century it is faster than the original game. The main difference in this baccarat game is that one player is assigned the role of banker and he is playing against all the other players as the bank.

Live Dealer Baccarat

Live Dealer Baccarat

To play baccarat at a real casino is undoubtedly the best way to enjoy the thrill of the game. Playing with a live dealer replicates this feeling from the comfort of your own home. The live interaction, dealer chat, and gameplay make for an incredible atmosphere.

Other Real Money Online Baccarat Variations

There are many other variations of baccarat that you may encounter online.

  • Mini-Baccarat: Punto Banco with fewer players, faster gameplay, and lower table limits
  • No Commission Baccarat: Replaces the normal 5% commission with 50% payouts when the banker wins with a 6
  • European Baccarat: The player can decide to draw or stand when the total of his hand equals 5

Baccarat Strategies

You can easily enjoy an online baccarat game without using any strategy, but to get the most value from your bankroll, there are many different strategies you can employ.


With a house edge of 1.24%, the Applying the 1-3-2-4 strategy to baccarat online is an easy way to give yourself a better chance of returns. First, pick a betting unit and always wager on the banker. Secondly, if you win, you progress to the next betting unit. Finally, if you lose, you go back to the start of the sequence.


When you apply the one-sided strategy to baccarat online, you decide if you will back the player or the banker and you never change. You never allow yourself to lose more than 3 rounds in a row. If this happens, you wait until your chosen side wins and then you join in again. Set a target of wins such as +5 in a particular shoe and leave the table if you hit your objective.


The objective of the Paroli betting system is to obtain 3 consecutive wins in a row. After each win, you double the amount of your initial wager, up to a maximum of 3 rounds. Winning 3 times in a row, or losing any round, requires you to return to your starting amount.

Other Strategies of Note

There are many other betting systems that you can apply to baccarat online. Since predicting the result in any round of baccarat is 100% luck, betting strategies usually rely on making the most of sequences where either the player or banker wins a number of consecutive hands. The aim is to wager higher amounts when your chosen side wins, and less when they lose. Popular systems include:

  • Fibonacci
  • Labouchere
  • Martingale
  • Shift 5

Practice With Free Online Baccarat Games

Many online casinos give you the chance to play baccarat for free so you can practice and try out strategies without the fear of losing real money. This is a great way to check if you like the game and to see how the gameplay unfolds. We always recommend you play baccarat for free before you play baccarat for real money.

Playing Tips For Online Baccarat

When you play online baccarat for real money, there is not one baccarat strategy that guarantees you a win. The key is to keep your emotions in check and quit if you’re ahead.

Do not bet on a tie

One of the best tips is to never bet on a tie. Casinos usually payout at 8:1 for predicting a tie, but while this may seem like an attractive proposition, the reality is that it is not. The house edge on this bet is over 14% making it a terrible choice.

Bet on the Banker

The banker has a distinct advantage over the player as they get the advantage of playing second. Even taking the 5% commission into account, you will win more in the long run if you always wager on the banker as opposed to the player.

Use a betting strategy

Even though the house edge in baccarat is quite low, the casino will always make money in the long run. Since we cannot predict the outcome of any one hand, the only way to increase our odds of winning is to employ one of the many betting strategies.

Check the number of decks

The standard setup in baccarat online is to use eight decks of cards, but some baccarat games will use fewer decks than this. A good rule of thumb is that the lower the number of decks that are in the shoe, the better the odds are for you.

Online Baccarat Bonus Offers

Any good online casino will offer an attractive welcome bonus to attract new customers. The best online baccarat bonus is usually when you get a matching bonus for your initial deposit. This can greatly increase your bankroll so you can play for longer. There are often VIP clubs and promotions for existing customers so check the promotions frequently to get the most value.


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Best Baccarat Software Providers

One of the main advantages of playing baccarat online, is there are many variations available. Some of the biggest names in software development such as NetEnt, Microgaming, and IGT provide amazing instant play games that you can access directly from a browser or by downloading their software. For live dealer games, Evolution Gaming, Ezugi, and Playtech are the leading suppliers, each providing amazing gameplay and camera angles. Even in live dealer games, the developers add animations and effects to enhance the experience.

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Our Online Baccarat Casino Inspection Process – How We Review, Rate And Rank

There are many factors to consider when reviewing online baccarat casinos, from what bonuses the casino offers to the quality of the software they use.

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Is Online Baccarat for You?

There are many reasons that people enjoy real money baccarat online. New players do not need to learn any baccarat strategy as the game is solely based on luck. Returning players and high rollers enjoy the many variations that exist with online baccarat. With one of the lowest house edges among casino games, you can enjoy the thrill of playing a live dealer game without risking too much of your bankroll. And with so many tables, you can find one with betting limits to suit your budget. You can even play for free to see if online baccarat is the game for you.

Online Baccarat FAQ 

Here you will find answers to some of the most commonly asked questions about online baccarat games.

Is baccarat a game of luck?

Baccarat is 100% based on luck, there is no skill required.

What is the best bet?

The best bet in baccarat is to always bet on the banker.

How many players are in a game of baccarat?

There are 7 to 14 seats at a baccarat table, depending on the variation.

What is a natural 9?

If you score 9 with 2 cards this is known as natural 9.

Why do players bend their cards?

Baccarat players often bend the cards out of superstition, nervousness, or habit.

What Baccarat Variant does James Bond Play?

James Bond can often be seen playing Chemin de Fer.

Are baccarat online games rigged?

No, online baccarat games at reputable casinos use an RNG or a live dealer to avoid allegations of rigging.

What is the world’s highest-grossing casino table game?

Baccarat is the highest-grossing casino table game around the world based on the amount of money won.

Can I play on a mobile?

You can play an online baccarat game on any mobile device as long as you have a good internet connection.

Is card counting in baccarat possible?

Although it is possible, the advantage you receive is so minimal that it is not worthwhile.

✊ Knowledge Is Power - More Related Guides For You

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