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Baccarat Online Guide

We love an amazing game of baccarat online as much as anyone else, and we can’t wait to share with you everything that we’ve learnt to help you improve your chances at winning when playing with real money. We’ve also provided a list of the best online casinos that you should be playing at because they offer some of the largest welcome bonuses available as well as the best gaming experience you could ask for. So read the rest of this guide and start playing right away!

Our Recommended Baccarat Casino Sites

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We only display the latest casino bonuses that have been verified by our expert reviewers.

Online Baccarat Rules

Whether you want to play baccarat online for fun or for real money you will need to be familiar with the game’s rules before you start. It can seem like a confusing game for an onlooker, but it’s really quite simple. Whereas in blackjack the aim is to reach 21, in baccarat it’s 9. And unlike in blackjack where going bust is a hazard of playing the game, in online baccarat it is impossible to bust.

First off you need to decide if you want to bet on the bank or the player. This is basically a choice between who you think will win. Obviously this choice is made before any cards are dealt and so it’s a 50/50 decision. Once bets are placed, two cards will be dealt to each hand, both face up. Three cards can be dealt initially, but it is dependent upon the total of the first two cards which are dealt. If the total is 0 – 5 a third card is dealt, if it’s 6 or 7 no third card is dealt and if it’s 8 or 9 the hand is a winner.

The value of cards in baccarat is as follows:

  • Ace – 1 point
  • All cards 2 to 9 – face value
  • 10, J, Q, K – 0

When adding cards’ values, if you pass ten it becomes zero and you continue. So if you have a 5 and a 10, for example, it’s 5 + 0 = 5. If you then draw a 9 it becomes 4 instead of 14. It’s that simple.

How to Play Baccarat Games Online

Playing baccarat online is an easy and enjoyable experience. There is no real complexity to the game of online baccarat, but that’s not to say it’s without skill on the player’s part. The game is played using a shoe of either 6 or 8 decks of standard playing cards which leads to a flowing game with few pauses – the perfect card game for a gambler who likes a quick hit. As with blackjack, playing baccarat online is purely a numbers game and the suit of the cards is completely irrelevant.

Once the two cards of each hand are dealt, the player decides whether or not to take a third card for their hand and then the dealer must follow set rules. If the dealer has the following total in their hand they must do the following:

  • 2 or less – take a third card.
  • 3 – take a card unless the player’s third card was an 8
  • 4 – take a third card unless player’s third card was 0, 1, 8 or 9
  • 5 – take a third card unless player’s third card was 4, 5, 6 or 7
  • 6 – take a third card unless player’s third card was 6 or 8
  • 7 – take no third card

In all baccarat games online winning bets are settled at this point and losing bets are collected by the casino. Whichever hand you choose pays out at 19:20 if you win. There is also the possibility of betting on the tie which is available at 8:1 or 9:1 depending on the individual casino.

Online Baccarat Tips

Playing baccarat online will show you how random the game can be and as such it’s difficult to employ any kind of strategy over something which you can’t control. However, there are a couple of things which can give you a little bit of an edge.

Avoid the tie. The odds of 8:1 or 9:1 can seem very tempting in a game that pays out at just under even money for choosing a winning hand, but it’s poor value. In truth a tie rarely happens when playing baccarat online. That’s not to say it never happens, but does it happen once every 8 or 9 hands like the odds suggest? No. The tie is pretty much a novelty bet in baccarat games online and you should stick to backing the bank or the player.

Following the shoe is the other tip. This means see who has won the most hands. The theory is that either the bank or the player will win several hands in a row and that you can capitalize by following streaks.

Some players like to double up after a loss, but this can be the fast route to the poor house in baccarat online. It is a game of pure chance and not really one for heavy hitters who want to turn profit.


Is it hard to play baccarat games online?

It’s actually one of the easiest card games for anyone to learn, regardless of their experience level. It’s literally a simpler version of blackjack.

How to find the best online baccarat casino?

There are many things to consider when trying to find the best online casino to play baccarat for real money, such as the credibility of the site, the payout rates, the quality of the software, and signup bonuses, just to name a few. Finding an online casino that offers the best of the best in all these criteria can be very time consuming, so your best bet to accomplish this task is to simply choose from our list of recommended online casinos which we have thoroughly tested and verified they are indeed the best online casinos on offer right now.

Can I just play baccarat online for fun?

Absolutely! All of our recommended online baccarat casinos offer free play versions so you can get to know the game before risking your own money.