Play Baccarat Online for Real Money in June 2024

Posted by Arthur Crowson

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.

 

Best Real Money Baccarat Online Casino Sites

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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An Overview of Baccarat Online

Hand giving free casino chips

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.

realmoney icon

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.

casino chip raise icon white

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

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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.

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Cards 2-9

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

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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

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

scoreboard displaying a tied score with an X through the middle

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.

a man wearing a tie next to a bag of money

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.

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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:

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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.

green playing cards, poker chips, and a dice

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.

green bag full of money icon

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!

a green cash bill being entered into a machine

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.

a hand holding a mobile phone

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.

a green security badge with a poker chip and a check mark in the center

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.

a green laptop computer

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.

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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.

a hand returning two playing cards

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.

a dealer behind a casino game table

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.

Best Baccarat Bonuses

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:

Online Baccarat Guides

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All Online Casino Games

Looking for a new favorite online casino game? You’ll find it here.

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Online Blackjack

An online casino classic with equal parts strategy and luck.

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How to Play Baccarat Guide

Read our in-depth guide to baccarat's rules.

Baccarat Online FAQs

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Arthur Crowson

Arthur Crowson writes for GambleOnline.co about the gambling industry. His experience ranges from crypto and technology to sports, casinos, and poker. He went to Douglas College and started his journalism career at the Merritt Herald as a general beat reporter covering news, sports and community. Arthur lives in Hawaii and is passionate about writing, editing, and photography.

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