Surely one of the most popular casino games online, and James Bond’s personal favourite, baccarat appeals to all players, from veteran high-rollers to new gamblers. If you’re a fan of other card games, or even if you’ve never played any before, baccarat is a great game of chance worth playing. In our guide to online baccarat in Canada, we’ll teach you how to play baccarat, winning baccarat strategy, card values, odds, how to play as good as 007 himself, and more.
Whether you want to play online baccarat in Canada for real money or just understand your options, these are our favourite online casinos for baccarat, updated daily.
1 day (Process) up to 10 days (payment)
24-48 hrs
1-5 days
Instant (Bitcoin) 10 days (check)
1 to 15 Business Days
Want to become a baccarat expert in less than 15 minutes? Watch our expert, Tommy Green, break down everything you need to know about playing online baccarat in Canada.
In baccarat, you’ll increase your edge by taking the time to learn the rules. Luckily, one of the reasons baccarat is so popular is due to the minimal learning curve. Simply: You’re wagering on the outcome of a round of cards between you and the dealer – highest hand wins.
Each card has a certain number of points allocated, and there are “drawing rules” that dictate player & banker behaviour. The most popular variation of baccarat is called punto banco, so we’ll discuss those rules here. The rules for other game types vary slightly.
There are four main stages of a game of baccarat: Place a Bet, The Deal, Instant Win, and Third-Card Rule.
You have three betting options: your hand (the player), the banker, or a tie.
After you've placed your bet, the dealer will give each of you two cards.
If someone's hand totals 8 or 9 points exactly, they win automatically.
Channel your inner James Bond by playing 007’s favourite game for free. Practice your baccarat skills and learn the game before playing for real money.
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If neither hand totals 8 or 9, a third card will be drawn with the player going first.
| Dealer’s Total Points | Rule |
| 2 or less | Banker draws a card |
| 3 | Banker draws a card, unless player’s third card was an 8. |
| 4 | Banker draws a card, if the player’s third card was a 2, 3, 4, 5, 6, or 7. |
| 5 | Banker draws a card, if the player’s third card was a 4, 5, 6 or 7. |
| 6 | Banker draws a card, if the player’s third card was a 6 or 7 |
| 7 | Banker stands. |
While each online casino’s rules may differ, here is an example of typical baccarat odds for each wager.
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 baccarat strategy.
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%.
Ties in baccarat are paid out differently by each casino, but typically pay 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.
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.
It feels weird to bet against yourself, but there’s a reason casinos’ put a “commission” on banker bets – it happens more often.
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.
The card values in baccarat are very similar to other casino table games like blackjack, except when it comes to face cards and tens:
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:
The best casinos will have multiple options that let gamblers play their favourite baccarat game from anywhere they want. You can enjoy playing baccarat from the comfort of your couch with your iPhone or Android devices. The only thing you need is a device to play and an internet connection. Baccarat is a great game to play on a mobile device, with the simple controls you can set the stake and bet with ease.
All the casinos we recommend go through our strict reviewing process to give you the best experience with online baccarat in Canada.
Simple and widely available banking options with fast deposit and withdrawal times is a must for us.
A good casino will provide its player with generous bonuses. Bonuses must also have reasonable terms and conditions attached to them.
When we recommend a casino, we want to make sure they provide players with plenty of baccarat game options.
There are no federal laws against playing online; the act of individuals placing bets online is not against the law. There are plenty of trusted online casinos located around the globe that Canadians can access. No one in Canada has been prosecuted by federal or state officials for playing baccarat online.
Yes, most online casinos will give players access to free versions of popular games. This gives new players a chance to play and become familiar with the platform before playing for real money. If you’re looking for a free baccarat game, our casino experts have listed a few of their favourite online casino sites near the top of the page, or you can check out our online casino reviews for more information.
No, not at a trustworthy online casino. The top online casinos in the world 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.
No, card counting isn’t advantageous in online 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 favour and secure consistent profitable returns.
If you’re still learning how to play baccarat, we don’t recommend card counting as the best baccarat strategy.
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.
The average payout percentage for baccarat is around 98%, which gives 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.
Nope! All you need to know is how to play baccarat. Other than that, it’s purely luck-based. You can read up on our recommended baccarat strategy to find any tips that may help you play better.
The highest possible score is 9. If either the player or the banker’s total goes over 9, the first number of the total is dropped to make the new total. For example: if the dealer draws cards totalling 12, they would drop the 1 and their new total would be 2.
