Play Baccarat Online for Real Money in April 2024

Q: Is online baccarat rigged?

Not if you play at a trustworthy online casino. The best online casinos for baccarat use random number generators (RNG) which produce countless random card combinations. Those combinations can’t be predicted and have no patterns. They also re-shuffle after every hand so card counting isn’t even an option when RNGs are being used.

Q: Can I play baccarat for free online?

Yes, playing baccarat online for free is easier than ever as most sites offer free versions of their top games. We like to see sites offer both free online baccarat and real money games to give players the option.

Q: Does card counting work in online baccarat?

No, card counting isn’t advantageous at online baccarat casinos, as they use a Random Number Generator to produce card combinations. Even baccarat in a traditional casino is not the type of game where it can help tilt the odds in your favor and secure consistent profitable returns.

Surely one of the most popular casino games, online baccarat appeals to all players, from veteran high rollers to new gamblers. A favorite game of James Bond, baccarat is one of the most popular casino games because of how easy it is to learn and its high probability of winning.

However, baccarat may still seem exotic to modern gamblers, as blackjack and slots eclipsed its popularity in recent decades. For those new to baccarat, you can experiment with learning with our free game below. For those who are already high rollers, you’ll find info on strategies and reviews of the best places to play baccarat online.

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Whether you want to play baccarat online for real money or for free, these are our favorite online casinos for baccarat.

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Best Baccarat Sites

Online Baccarat Odds

Online Baccarat Strategy

Online Baccarat Variants

Baccarat Online FAQs

An Overview of Baccarat Online

Choose Your Stakes

In baccarat online, you’ll see what the minimum and maximum betting amounts are. If you want to play a game with higher stakes at an online casino for real money, you don’t need to bet the maximum amount, but you’ll want to bet higher than usual. For low stakes, you can stick to the minimum.

Understand Payouts

Knowing the payout can change the amount you’re willing to wager. For winning bets, a playerbet pays out 1 to 1 or even money, a bankerbet pays out 19 to 20 (ex. $1.95 if you bet $1), and a tiebet pays out 8 to 1.

Betting Options

When the hand is over, you’ll be able to choose from three betting options for the next hand: re-bet to repeat your previous bet, clear bet to start fresh with a new bet amount, or double bet to double your bet if you’re feeling lucky.

Baccarat Scoring

It’s very important to remember when scoring a round of baccarat: if the total points in your hand reach double digits, you drop the first digit.

For example:

You have a 7 and a 9, for a total of 16
Because 16 is double digits, you drop the first digit
Your 16 becomes a 6, meaning you have 6 points in your hand

a dealer stands behind a baccarat table covered in cards and chips

Card Values in Baccarat

10 and Face Cards

The card values in baccarat are very similar to other casino table games like blackjack, except when it comes to face cards and tens.

These are worth zero points.

Cards 2-9

Cards 2-9 are worth their face value, i.e. a four of hearts is worth four points.

Aces

If you’re dealt an Ace in baccarat, that card is worth one point.

Baccarat Drawing Rules

In baccarat online, you will increase your edge by taking the time to learn the rules. Luckily, one of the reasons playing baccarat is so popular is due to the minimal learning curve.

Learning how to play baccarat requires understanding that each card has a certain number of points allocated, and there are “drawing rules” that dictate player and banker behavior.

Simply put: you’re wagering on the outcome of a round of cards between you and the dealer – highest hand wins. If you’re looking to start a gaming session while on-the-go, fear not, most casinos offer a mobile baccarat for real money version of the game.

There are four main drawing rules for baccarat online:

Place a Bet
The Deal
Instant Win
Third-Card Rule

Placing a Bet

You can bet either on your hand, the banker’s hand, or a tie. Here, you’re just wagering on who you think will win, or if you believe there will be a tie.

The Deal

The total value for both hands is presented.

Instant Win

If either the player or the banker’s hand totals 8 or 9 points exactly (more on card values in a minute), that score wins the game.

In this case, no more cards are dealt, and the winning bet is cashed out. This is known as a “Natural”.

Online Baccarat Odds

While each online casino’s rules for online baccarat may differ, here is an example of typical baccarat odds for each wager.

Odds of Player Bets

Player bets typically pay even money (e.g. bet $100, win $100).

The house edge for this type of bet is a relatively low 1.24%, making betting on yourself a tempting strategy.

Odds of Banker Bets

Banker bets typically pay even money, less a “commission” on the win, typically around 5%. This means a payout of approximately 95% on banker bets (e.g. bet $100, win $95.)

The house edge for banker bets is even lower than player bets, sitting at approximately 1.06%.

Odds of Baccarat Ties

Ties in baccarat are paid out differently by each casino, but typically paid out at either 8- or 9-to-1.

Tie bets do have a very significant house edge of nearly 15%, so we recommend avoiding this bet type.

Baccarat Strategy

Avoid Tie Bets

As tempting as that payout may be, avoid betting on the tie. The payouts are high for a reason – betting on the tie just isn’t worth it.

Bet on the Banker

It feels weird to bet against yourself, but there’s a reason casinos put a “commission” on banker bets – it happens more often.

Ignore “Streaks”

Tables simply don’t get “hot” or “cold.” The mathematical odds and house edge remain the exact same regardless of the previous result, so trust the process.

How We Rate The Best Baccarat Casinos

Before you play baccarat online, you need to pick the perfect casino for you. Our resident experts research the best new online casino sites to ensure they meet our exceptionally high standards. Here are the key factors we consider when writing our casino reviews of the latest online baccarat casinos:

Available in the US

If you want to play baccarat online for real money, you need to play at a site which accepts players from the US. We will only recommend sites to you if they accept US-based players.

Variety of Casino Games

The best baccarat online casino sites will offer a great selection of online casino games. Naturally, if you want to play baccarat online you expect to find multiple versions of baccarat, including live dealer games. But we always recommend choosing a site with a broad selection, in case you want to switch things up and play some online slots for real money.

Great Bonuses and Promotions

A great casino bonus can really make a baccarat casino online stand out. In addition to a generous welcome bonus, we like to see a casino offer a rotating selection of bonuses and promotions. We appreciate it when a casino offers deposit bonuses, a free spins bonus, VIP program, and maybe even a no deposit bonus!

Selection of Banking Methods

Unless you want to baccarat online for free, you will need to make a casino deposit to play for real money. We like to see a casino accept a broad selection of banking methods for both deposits and withdrawals. We especially like to see crypto casinos which accept Bitcoin in addition to traditional payment methods, like Visa and Mastercard.

Exceptional Mobile Gaming Experience

In 2024, all the best baccarat online casino sites offer a fantastic mobile casino experience. Whether you want to play at an iPhone casino, Android casino, or iPad casino, we believe that players need a smooth mobile gaming experience with plenty of games. While some online baccarat casinos still offer casino apps, most use mobile-optimized sites instead.

Safety and Security

We believe that player safety is paramount when it comes to online baccarat. A safe online casino will hold a valid gaming license from a reputable licensing authority in addition to utilizing encryption and firewall software.

Exceptional Customer Support

We always assess a casino’s customer support service. If players encounter any issues, it is vitally important that you can quickly and easily reach customer support. We like to see multiple contact methods (live chat, email, telephone) as well as 24/7 service.

Free Baccarat Pros & Cons

There aren’t a lot of downsides to playing free online baccarat. First, if you do not know the rules of the game or haven’t played a lot of hands, our free simulator will give you experience in a risk-free environment before you start playing live, Las Vegas baccarat.

However, if you catch a run of good luck when playing baccarat at an online casino for free, you won’t be able to cash out any winnings in the end. Sometimes, you’ll want to save your luck for when you have real money on the line.

Pros of Free Baccarat

Learn how to play
No need to sign up for an account
No need to make a first deposit
You can devise a strategy for when you do play for real money
Make mistakes without losing your bankroll

Cons of Free Baccarat

No welcome bonuses or promotions
Can't win real money
Can't earn loyalty rewards points

Different Baccarat Variants

There are a few variations of online baccarat, but there are two main types: punto banco and chemin de fer. You’ll also find variations that are specifically for the online gambling market, such as baccarat squeeze and Super 6 baccarat.

Punto Banco Baccarat

Punto Banco is the most popular variation of baccarat both online and at land based casinos. As we described above, one hand is designated for the player, while the other is assigned to the banker. Participants choose to wager on a win by player, win by banker, or a tie.

Player bets usually pay even money, while a five percent commission is taken out for banker bets. In the rare case of a successful tie bet (a “push”), payouts are typically 8:1, and the wagers for player and banker roll over to the next round.

Chemin de Fer Baccarat

Chemin de fer involves six decks of cards that are shuffled together. One player becomes the banker, and the rest become “punters.” Just like the blinds in poker, the role of banker/dealer rotates. The banker then places an initial bet, which can be met or exceeded by the punters. At this point, the player with the highest bet is elected (“chief punter”) to represent the rest of the punters.

Both the banker and the chief punter receive two cards face down. If neither has an 8 or a 9, the elected punter can choose to take a third card or stay. The general strategy for chemin de fer baccarat is:

If you hold between 0 and 4, you take a third card, and if you have a 6 or 7, you don’t.

If the banker wins, then they collect all the wagers and keep their position for another round. In the event of a player win, each bettor gets back their wager plus an equal amount from the banker.

Live Dealer Baccarat

Live dealer baccarat provides a land-based casino atmosphere from the comforts of home. Playing baccarat live online with a real dealer is the perfect way to enjoy the fast-paced casino experience without having to travel or deal with the crowds.

When you play live dealer baccarat, you virtually join a table that is hosted by a dealer via live video stream that is broadcasting from a brick-and-mortar casino. You can interact with the dealer via the online casino’s chat function, ask questions, receive answers and leave tips when they deliver a strong hand.

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History of Baccarat

The origins of baccarat are still uncertain, with some believing the game originated in France, and others believing it originated in Italy. Here is a quick history of this classic casino game:

1400s

Italy

Many believe that the game was created in Italy in the 15th century by a man named Felix Falguiere. The game was originally named “baccara”, an old Italian spelling of “zero” (since a majority of the cards are worth zero), and was later changed to “baccarat”, the French spelling, when the game gained popularity in France.

In the original games of baccarat, each player had the opportunity to be the banker, and players were able to bet against other players and the house. Today games are played with only one dealer, the house acts as the banker, and bets are typically made against the house.

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1490s

France

It is speculated that baccarat made its way over to France with soldiers returning home after the Franco-Italian War. It became especially popular with French nobility, who evolved the game into baccarat banque. This variant is played with three decks, and the banker holds their position until they choose to retire or all cards have been dealt.

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1830s

France

A few centuries later, baccarat had become fairly popular at casinos but was ultimately banned by Louis Phillipe I in 1837 when he outlawed gambling establishments. Around this time, the baccarat variant chemin de fer, a.k.a. “chemmy”, was created.

Chemmy was named after the French word for “railway” because it is quicker than the original game of baccarat, and the railway was the quickest mode of transportation at the time.

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1953-1958

United Kingdom

Baccarat remained unpopular outside of the UK, and wasn’t even mentioned in the 1931 Assembly Bill that legalized gambling in the US. However, that changed in 1953 when Ian Fleming published the bestselling James Bond novel Casino Royale. The book’s plot revolved around 007 playing a game of chemin de fer and also acted as a baccarat tutorial.

In 1958, the Sands in Las Vegas opened a chemin de fer table and was the first major US casino to offer a variant of baccarat.

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1950s

Cuba

As baccarat reached other parts of the world, it became popular in Havana, where another variant called punto banco was developed. Punto banco is played with six to eight decks and, rather than allowing players to play and bet against each other, this variant pits the players against the house.

When Vegas heard about this variant, the Sands opened a punto banco table in 1959 and lost $250,000 on its first night. They decided to keep the table and it paid off – eventually becoming an exclusive game with private rooms and luxurious furniture to draw in wealthy players.

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The best baccarat online casino sites offer lucrative welcome bonuses. To help you research and find the right site for you, we’ve created this quick overview of our top five online baccarat casinos:

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Baccarat Glossary

As with many games, baccarat has a language all its own. Here are some of the key terms you might find when you play baccarat online:

Baccarat

This is the worst hand in the game and translates to “zero” in Italian and refers to how many points your hand earned.

Banco

The person who deals the card.

Banker bet

One of three possible baccarat bets where the player believes the house will win. If player is correct, house typically takes 5% commission.

Carte

Requesting another card from the dealer.

Chemin De Fer

A version of baccarat that is often played by high rollers.

La Grande

The best hand you can get in baccarat, totaling 9 points. La Grande is translated to “The big one.”

Push

A wager that doesn’t win or lose, the player gets to keep their original wager.

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Baccarat Online FAQs

There are no federal laws against playing online at a legal online gambling site; the act of individuals placing bets online is not against the law. However, those bets cannot be placed on a site located in the United States. There are plenty of trusted online casinos located around the globe that Americans have access to. No one in the United States has been prosecuted by federal or state officials for playing baccarat online.

Not if you play at a trustworthy online casino. The best online casinos for baccarat use random number generators (RNG) which produce countless random card combinations. Those combinations can’t be predicted and have no patterns. They also re-shuffle after every hand so card counting isn’t even an option when RNGs are being used.

Yes, playing baccarat online for free is easier than ever as most sites offer free versions of their top games. We like to see sites offer both free online baccarat and real money games to give players the option.

The average payout percentage for baccarat is around 98%, giving the player fairly decent odds against the house. This puts the house edge around 2%. The bets with the highest odds of winning are on the banker, followed by the player. Bets on a tie are much less likely to win, although the payout is significantly higher.

The result of a game of baccarat is 100% based on luck. Statistically, the banker's hand wins around 51% of the time, but this is purely based on luck. Baccarat has one of the best overall odds of winning (along with blackjack, jacks or better, and craps) due to its low house edge, so just by playing the game, you're setting yourself up to win.

No, card counting isn’t advantageous at online baccarat casinos, as they use a Random Number Generator to produce card combinations. Even baccarat in a traditional casino is not the type of game where it can help tilt the odds in your favor and secure consistent profitable returns.

Not quite, the banker’s hand has slightly improved odds because it is the last hand dealt. There is also that chance of a tie. The banker has a house edge of just 1.06%, while a bet on the player is 1.24%. The other option is the tie bet that has a house edge of 14.36%. So that bet should be avoided unless you are feeling lucky.

Nope! All you need to play baccarat is an understanding of the rules. Other than that, it's purely luck-based.

The rules of baccarat online are simple: the you win by wagering on the hand (either the player or the banker) whose hand is closest to nine.

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