gamesGuide to Playing Online Baccarat

Guide to Playing Online Baccarat

Guide to Playing Online Baccarat UK

Baccarat games are often overlooked at UK online casinos. Many players instinctively run to popular games such as roulette and blackjack. But baccarat is a great card game you should try your luck at. It is a game of skill, so you can improve your chances of winning after a little practice. Read this online baccarat guide for everything you need to know to get started! You’ll be making real money at baccarat casinos in no time at all.

What is Online Baccarat?

Baccarat games have been around for hundreds of years. They first appeared in the 1400s in Europe and have grown in popularity since. The game’s premise is simple – two hands are dealt, and players bet on which they think is closest to nine. Guess correctly, and you win a payout. This simplicity, combined with the opportunity to use a strategy, makes this casino game so great.

Online baccarat games are the electronic version of this casino classic. It is a great way to try the game from the comfort of your home before stepping inside a real casino. In other cases, people love the ability to play baccarat online from anywhere in the UK. You can find free baccarat games online or play online baccarat for real money.

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There are a few differences when playing baccarat online vs at land-based casinos. For online baccarat games, cards a dealt electronically using an RNG rather than by a real dealer. Additionally, there is no discard pile for cards. Instead, the deck is reshuffled by the computer after every hand.

Nowadays, you can also play live baccarat games for real money. This is more like a land-based game as cards a dealt by a croupier. Video footage of the dealers and the table is streamed to your device. You and other players around your table then play along in real-time. This makes for a more authentic land-based experience and more sociable gambling.

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Guide to Playing Online Baccarat

How to Play Baccarat Online

It is easy to play baccarat online, and the game can be picked up without much work. A baccarat game starts with two cards being dealt to players. One player is known as the “banker” and the other as the “bettor”. All other players around the table place their bets either on the banker, the bettor, or a tie. The hand which has a value closest to nine wins. If you placed your bets right, you receive a payout.

In baccarat games, the value of the cards is not always the same as their pip value:

  • Ace is low and has a value of 1. Cards 2, 3, 4, 5, 6, 7, 8, and 9 all have their face value.
  • Cards 10, Jack, Queen, and King all have zero value.

If the total hand is greater than nine, then the “1” is dropped from the start. For example, a hand of 7 and a nine would total 16. In this case, the “1” is lost, and the final value for the hand is 6.

The value of the first two cards dealt determines what happens next. If the player’s hand has a value of 0-5, they receive another card. But if their hand equals 6 or 7, they must stand. An 8 or 9 is considered a win. The best hand a player can get is a two-card nine known as a “natural”. This is summarised in the table below:


0, 1, 2, 3, 4, or 5 A third card is dealt

6 or 7 Stand

8 or 9 Natural win

How to Bet on Baccarat

There are three main betting options when playing baccarat online. You can bet on the bettor, the banker, or a tie. These bets are all placed before any cards are dealt.

Statistically speaking, you should never bet on the “tie bet” option. It does have a payout ranging from 9:1 to 11:1, depending on the game. This means a bigger win if you guess right, but this bet has a huge house edge of around 14%. There is also a smaller house edge on the banker’s side (1.06%) compares to the player’s side (1.24%). Thus it works in your favour to bet on the banker. Both the bettor and the banker bets payout at a rate of 1:1.

To keep things interesting, there are several side bets available as well. These are wagers on something other than the overall winner of the baccarat game. Popular side bets you can place at a baccarat casino include:

  • All Red / All Black: Whether a player’s hand will consist of all red cards or all black cards. Payouts range from 22:1 to 24:1.
  • Bellagio Match: Whether the bettor or banker will receive three of a kind in their hand. If the player does, the payout is 75:1. For the banker, this is at 68:1.
  • Big and Small: A bet on the total number of cards, be that 4, 5, or 6. Correctly betting on four cards pays out a 3:2, whereas five or six pays out at 2:1.
  • Combined Value: A wager on the total combined value of the cards in the player’s and banker’s hands. A popular option is to bet on whether the combined value will be above or below 9.5. You can also bet on whether the combined value will be odd or even.

Online Baccarat Game Variations

The classic version of baccarat is also famous as Punto Banco. This is available nearly all over in UK and online casinos. But the best baccarat casinos also stock a range of other interesting variants for players to try. Here is a look at some of the more popular casino games you might find.

Super 6

Super 6 follows most of the conventional baccarat rules. Yet, when the banker’s hand wins payouts are larger. The only exception is when the banker wins with a hand value of 6. In this case, the payout is reduced to 50% of the wager amount. You can also place a side bet of the banker winning with a 6. This bet has odds of 12:1.


Mini-Baccarat is similar to Punto Banco. The gameplay and rules are the same, as is the return to player rates. The main difference is in its size, as Mini-Baccarat is played at smaller baccarat tables. The dealer handles and reveals all cards rather than players revealing their own. Moreover, the stakes are typically lower than for standard Punto Banco games.

Chemin de Fer

Chemin de Fer is the French version of baccarat. It is also referred to as “Railroad” at some online casinos. This game differs as it uses six decks of cards. Additionally, the players are pitting against each other. Each player takes it in turn to be the banker rather than the bank held by the casino. By competing against each other, the game is extremely sociable.

How to Win Online Baccarat

Many people enjoy playing free online baccarat games. But it is also worthwhile playing baccarat for real money. It has a low house edge compared to many other casino games. This means your winnings have statistically increased. Yet, there are some extra tips you can take on board to increase your profits further. Here we run through these so that you can win consistently whenever you play baccarat!

Understand the Casino Advantage

The most important thing beginners need to understand before playing baccarat is the online casino advantage. The baccarat house edge will vary depending on which bet you place:

  • Banker bets have a house edge of 1.06%
  • Bettor bets have a house edge of 1.24%
  • Tie bets have a house edge of 14.4%

From this, it is easy to see why you should never make the tie bet! The online casino advantage means they’ll take a larger portion of your winnings. The above shows that betting on the banker is the most favourable for punters. This is true, and we often advise players to make the banker bet.

Yet, players need to also be aware of the banker’s cut. This is a commission that online baccarat casinos take on winning banker bets. It will typically be around 5%, but some online casinos will take more. Always opt for the lowest commission possible and bet on the banker.

Choose a Baccarat Strategy

There are many different baccarat strategies that players swear by. There is no “right” strategy for playing baccarat online. The best strategy for you is largely down to personal preference. Here are the three most popular and a brief overview of each.

1-3-2-4 Baccarat Strategy

Here, the numbers (1-3-2-4) correspond to a multiplier of your bet. You start at one and place your initial wager. If this wins, you then place a bet of three times this amount. This continues until you make it through and win four wagers in a row. If at any point the bet loses, you go back to the beginning of the sequence.

Martingale Baccarat Strategy

This is a simple strategy that applies to many casino games. There are only two rules to remember. (1) If your bet loses, you double your stake, and (2) when your bet wins, you return to the initial stake. The theory behind this strategy is that you will always win back your losses. The main drawback, though, is that some table limits make this method impossible.

Paroli Baccarat Strategy

This is the opposite of the Martingale strategy. Rather than reducing losses, it works to make the most of a winning streak. The aim is to get three consecutive wins, doubling the stake with each win. If the wager loses, the initial stake is wagered again. The player will continue to wager this amount until they secure a win.

Manage Your Bankroll Carefully

Money management is crucial when playing online baccarat or any other real money casino games. Always set aside a fixed amount to play baccarat with at online casinos. This figure needs to be an amount that you can afford to lose. Walking away from the baccarat table when your funds are lost can help to minimise your losses.

The same is true for a winning streak. Over the long term, the online casino will always have the upper hand. Learn to walk away while you are on a hot streak, and you’ll walk away with more. Let emotion get the better, and you could lose everything you’ve just made!