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Guide to Playing Online Baccarat

Author: Preston Davis | Updated: May 29, 2023

Baccarat games are often overlooked at UK online casinos, as many players instinctively run to popular games such as roulette and blackjack. However, baccarat is a fantastic card game to try your luck at. It is a game of skill, and you can improve your chances of winning with some practice. Read this online baccarat guide to learn everything you need to get started, and you'll be making real money at baccarat casinos in no time.

What is Online Baccarat?

Baccarat games have existed for centuries, first appearing in Europe in the 1400s. The game 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 and the opportunity to use a strategy make it a great casino game.

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

Online VS Land-Based Baccarat

There are a few differences between playing baccarat online and at land-based casinos. For online baccarat games, cards are dealt electronically using an RNG instead of 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. Live baccarat games are more like land-based games, as cards are 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. Live baccarat games provide a more authentic land-based experience and a more welcoming gambling environment.

Online VS Land-Based Baccarat

How to Play Baccarat Online: A Beginner's Guide

Baccarat is an easy game to play online, and it's essential to understand the rules and strategies to have a great experience.

The game involves the dealer dealing two cards to the players, with one player being the “banker” and the other being the “bettor.” Other players place their bets on the banker, bettor, or a tie. The hand with the closest value to nine wins; if you place your bets correctly, you'll receive a payout.

It's important to note that the value of the cards in baccarat isn't always the same as their pip value. For example, an ace has a value of 1, while cards 10, Jack, Queen, and King have zero value. If the total hand value is greater than nine, then the “1” is dropped from the start. For example, a hand of 7 and 9 would total 16, with the “1” lost, and the final value for the hand is 6.

The value of the first two cards dealt determines the next step. If the player's hand has a value of 0-5, they receive another card. However, if their hand equals 6 or 7, they must stand. An 8 or 9 is considered a win, and a two-card nine is the best hand a player can get, known as a “natural.” See the table below for a summary:

Total for First 2 CardsAction
0, 1, 2, 3, 4, or 5A third card is dealt
6 or 7Stand
8 or 9Natural win

Understanding the rules and strategies of baccarat can increase your chances of winning and make your baccarat experience more enjoyable.

Betting Options in Baccarat

When betting on baccarat online, there are three main options: bet on the bettor, bet on the banker or bet on a tie. These bets are placed before any cards are dealt.

It's important to note that the “tie bet” option has a huge house edge of around 14%, so it's statistically best to avoid this option. Betting on the banker is a smart choice because it has a lower house edge (1.06%) compared to the player's side (1.24%). Both bettors and payouts are at a rate of 1:1 when betting on the banker.

There are also side bets available, which are wagers on something other than the overall winner of the baccarat game. Some popular side bets you can place at a baccarat casino include:

  • All Red/All Black: A bet on whether a player's hand consists of all red or all black cards. Payouts range from 22:1 to 24:1.
  • Bellagio Match: A bet on 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 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 at 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 whether the combined value will be odd or even.

By understanding the various betting options in baccarat, you can make informed choices and increase your chances of winning.

Online Baccarat Game Variations

The classic version of baccarat, known as Punto Banco, is widely available in UK casinos and online. However, the best baccarat casinos offer a range of other interesting variants for players to try. Here are some popular casino games you might find:

  1. Super 6: Super 6 follows most conventional baccarat rules but offers larger payouts when the banker's hand wins. The only exception is when the banker wins with a hand value of 6, in which case the payout is reduced to 50% of the wager amount. You can also place a side bet on the banker winning with a 6, with odds of 12:1.
  2. Mini-Baccarat: Mini-Baccarat is similar to Punto Banco, with the same gameplay, rules, and return-to-player rates. The main difference is in size, as Mini-Baccarat is played at smaller tables and the dealer handles and reveals all cards, rather than players revealing their own. The stakes are typically lower than for standard Punto Banco games.
  3. Chemin de Fer: Chemin de Fer is the French version of baccarat, also known as “Railroad” at some online casinos. It uses six decks of cards and pits players against each other. Each player turns into a banker rather than the bank held by the casino, making the game more competitive and enjoyable.

Understanding the House Edge in Online Baccarat

Baccarat is a popular game that can be played online for free or with real money. Although playing for free can be entertaining, playing for real money has the added benefit of a low house edge. Baccarat's house edge is relatively low compared to other casino games, so you have a statistically higher chance of winning. However, there are certain tips and strategies you can use to increase your profits even further. In this article, we'll walk you through these tips so that you can win more consistently whenever you play baccarat.

Bet typeHouse edge
Banker bet1.06%
Bettor bet1.24%
Tie bet14.4%

Strategies for Winning at Online Baccarat

When playing online baccarat, having a strategy can significantly increase your chances of winning. Here are some popular baccarat strategies that players swear by:

  1. 1-3-2-4 Baccarat Strategy: This strategy uses a sequence of numbers (1-3-2-4) to determine your bet size. If you win, you increase your bet by the corresponding multiplier. If you lose, you start over.
  2. Martingale Baccarat Strategy: This strategy involves doubling your bet after every loss and returning to your initial bet size after a win. The idea is to recoup losses and eventually make a profit.
  3. Paroli Baccarat Strategy: This strategy is the opposite of the Martingale strategy, where you double your bet after every win. If you lose, you return to your initial bet size.

It's important to note that there's no “right” strategy for playing baccarat online. The best strategy for you is largely down to personal preference. However, managing your bankroll carefully is crucial when playing baccarat or any other real-money casino game. Always set aside a fixed amount to play baccarat at online casinos you can afford to lose. When you've reached your limit, getting up and leaving the table can help you lose less.

Online casinos will always have the upper hand in the long term, so it's important to learn to walk away when you're on a hot streak to maximize your winnings. Similarly, when you're on a losing streak, it's important to avoid letting your emotions get the best of you, as this can lead to even greater losses.

By using a good baccarat strategy and keeping a close eye on your bankroll, you can improve your chances of winning and have more fun and profitable time playing.

To Sum Up

winning at online baccarat requires more than just chance. You must improve your chances of winning by recognising the house edge and placing the appropriate bets. Developing a good baccarat strategy that matches your own preferences, properly managing your bankroll, and understanding when to walk away are all important components of effective baccarat play. With these guidelines in mind, you can enhance your gaming and increase your chances of winning. Whether you're a novice or an expert player, following these rules will help you have a more fun and successful experience playing online baccarat.


What is Baccarat?

Baccarat is an internationally adored card game that can be found in casinos everywhere. The aim of the game is to forecast which hand will have a higher score—the player or banker—or if there will be a tie between both hands. With its simple yet thrilling rules, it's no surprise why baccarat remains one of the most beloved casino games today.

Can you play Baccarat online?

Now you can experience the classic casino game of Baccarat right at your home. Some online casinos even provide live dealer Baccarat games, in which you can compete against a live dealer via video stream.

Is Baccarat a game of chance or skill?

Baccarat is primarily a game of luck, as the outcome of each hand is determined by chance. However, there are certain strategies that players can use to maximize their chances of winning.

What are some tips for winning at Baccarat?

Some tips for winning at baccarat include: always betting on the banker hand; avoiding the tie bet; and keeping track of the patterns of previous hands to try and predict the outcome of future hands.

What is the house edge in Baccarat?

The house edge in baccarat varies depending on the type of bet you make. The banker bet has the lowest house edge at 1.06%, while the player bet has a house edge of 1.24%. The tie bet has the highest house edge at 14.36%.

Are there any variations of Baccarat?

Yes, there are several variations of Baccarat, including Mini Baccarat, Punto Banco, and Chemin de Fer. Each variation has slightly different rules and gameplay.

Is Baccarat a high-stakes game?

Baccarat is often associated with high-stakes gambling, as it is a favorite of many high rollers and is often featured in movies and TV shows depicting the glamorous world of casinos. However, you can also find Baccarat games with lower minimum bets at many casinos.

Preston Davis is a gambling writer based in London. He's always on the lookout for new Online casinos, bonuses, and games to write about - so you can be sure he's on top of any news as soon as it breaks. Preston takes his work seriously but likes to have fun too - which is why he thoroughly tests everything he reviews before giving his final verdict. Preston enjoys spending time with his wife and two young children when he's not writing or playing games.