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Baccarat is a very exciting table game and is generally played by high-rollers. However, in an online version, you don’t have to spend a fortune just to participate. Even though it is a game of chance, it offers a very low house edge and great odds so understandably baccarat online is a popular casino game.
In this article, we will explain the main rules and features of the game. You can also learn about the odds, the different strategies that can help you win, and how you can practice free baccarat or the real money version. The following areas will be detailed:
Page contents
Online Baccarat Main Rules Explained
It is easy to learn the baccarat game. Two cards are dealt for the dealer and the player each, and you can place your bet for either one of them or a tie. The two cards’ values are added up and the one closer to 9 will win the game. In some cases (according to third card rules), a third card will be drawn for either the player or the banker or both.
Find out more from our useful guide about How to Play Baccarat!
Baccarat step-by-step
- Choose your wager by clicking on the chip image
- Place the bet by clicking on the Player, the Banker, or the Tie
- There might be an option to place a sidebet
- Click on deal
- Two or three cards will be drawn and it is decided who won the game
- If you won, your winnings will be added to your balance
- You can now place a new bet
Card value
In Baccarat, the cards’ suits are irrelevant, only their values matter. The face cards and 10s have zero value, while Aces have the value of 1. Cards from 2 to 9 are counted as their face value (two is worth 2 and eight is worth 8). The total value cannot exceed 9. If it does, you need to subtract 10 from the value. For example: Nine (9) + Seven (7) = 16 - 10 = 6
Understanding Baccarat Main Features
The objective of the game is to try to guess if the banker or the player will win. It is easy to place the bet and you can sit back and wait for the result. A handy baccarat scoreboard is normally displayed on the screen and with this, you can track the previous game's results and statistics. The main bets are:
Banker
This is usually considered the best option as the banker bet has the lowest house edge. However, this usually comes with a 5% commission.
Player
This is the second-best option. It has a higher house edge than the banker but you are not paying a commission.
Tie
The tie bet assumes that the card values of the banker and the player will equal. This is a risky bet but the payout is high.
| 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
There can be more types of bets available for you in online baccarat but they may vary from casino to casino.
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Player pair
This side bet pays if the first two cards dealt with the player are a pair.
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Banker pair
This side bet pays if the first two cards dealt with the banker are a pair.
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Perfect pair
The perfect pair will win if either the banker or the player has a pair in both rank and suit.
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Either pair
This option pays if either the banker or the player has a pair.
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Panda 8
This side bet is paid if the player wins with three cards with a total value of 8.
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Lucky 8
This side bet is won if the total hand value is 8 and it beats the other hand.
To save your time we have collected all data about side bet odds and payouts in one place:
| 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
One of the main reasons why baccarat online is so popular with seasoned gamblers is that it offers a low house edge compared to other games of chance. If you make a banker bet, the house edge is only 1.06% while betting on the player has a house edge of 1.36%. The tie bet has a very bad house edge of 14.4% but the payout is 8 to 1.
Sidebets also have a high house edge but the payouts can be appealing. For example, a Panda 8 pays 25 to 1 and a Player’s three of a kind can pay 75 to 1.
How do odds, payouts and house edge change with different deck combinations?
Online Baccarat typically played with eight decks. However, there are also six decks and even single deck baccarat option. Payouts for common bets remain the same across all deck combinations, the house edge and odds change.
Therefore, whatever you waste your time, we have recalculated the odds for you:
Six Deck Baccarat
| 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
| 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% |
Interesting Betting Strategies
There are two main types of progressive betting. With the negative progressive system, the player decreases the wager amount after every win and increases the bet after losing. The positive progressive system does the opposite. So, if you lose, you will lower the bet and if you win, you will increase the bet amount.
Positive Progression system
The Paroli pattern is an example of the positive progression system
- The idea behind the pattern is believing in winning and losing streaks
- If streaks are indeed present, the player can maximize the hot ones and minimize the loss on the cold ones
- It doubles the bet three times in a row after every game that was won
- If the player loses, the bet amount will be that of the original bet
- The downside of this system is that the payer can run out of money easily
- The system can be useful for budget control but it is not bulletproof
Negative Progression system
The Fibonacci sequence is an example of the negative progression system
- The point of this system is to keep the player’s losses under control
- It gives some discipline to the game and rushed decisions can be avoided
- Uses a row of numbers where the total of two will give the third one (1, 1, 2, 3, 5, 8, 13, etc meaning bets of C$10, C$20, C$30, C$50, C$80, C$130, etc)
- The player goes back two steps after a win and one step forward after a loss
- The disadvantage is that this system mainly suits high roller players with a large bankroll
- If the long streaks go on for a long time the player can run out of money
How to Start Playing Baccarat for Real Money?
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Choose a baccarat casino from our list
You will want to make sure you choose a reliable and honest casino where you have fair chances to win and they look after your data.
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Choose a good welcome bonus
Most casinos offer great welcome bonuses to new players, however, it is always advisable to check out the wagering requirements
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Make a deposit
It is easy to deposit once you set up your account. You should be able to deposit in a variety of ways.
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Choose the game and wait until you will get your cards
Once you have credits on your account, you can select your favourite game and start playing baccarat.
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Take a win!
If you were lucky and won some money, it should appear on your player’s account. You can cash it out or use it for new games.
Tips which might help you to save money
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Learn the rules
Even though baccarat is a game of chance, learning the rules can help you win more or at least lose less.
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Never bet on Tie
The tie bet has a very high house edge and you are not likely to win it, so in the long run, you should avoid this type of bet.
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Banker Bet is the best choice
The banker bet has the lowest house edge of all bets so this is the best bet. Check the commission percentage though.
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Manage your bankroll
Before starting the game, decide the maximum amount that you can afford to lose and stick to it. Chasing losses is never a good idea.
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Play short sessions
Baccarat is a quick game and you can lose a lot of money very quickly. When your streak turns cold, it is best to take a break.
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Play only in licensed casinos
You do not want to give your hard-earned money to scammers. Always check if the casino you are about to play at is licensed.
FAQ
Baccarat has a very low house edge, especially if you bet on the banker. It is possible to win but the key is to stop playing after you have won a significant amount.
If you want to play online but alongside other people, you can opt for live dealer baccarat.
Baccarat is a very simple game. You don’t have to do anything other than placing the bet and waiting for the cards to be dealt.
In the online version, the computer is dealing the cards for you, while in the live dealer version the dealer will get the cards from the shoe. The rules and the odds are the same.
Yes, you can. Many casinos offer free baccarat games or demo versions of their real-money games.
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