Online Casino: Baccarat as a Game of Chance


Free slots online are popular among gamblers, but Baccarat has one of the lowest house edges in table casino games. Of course, it is wise to evaluate a real money casino before signing up and playing: Confirm its security features and fairness. Ensure it has SSL encryption and a licence from renowned gambling authorizers.

Online Casino
Online Casino Baccarat

Keep reading to learn more about Baccarat as a game of chance and how you can play and win real cash.

How to Play Baccarat for Real Money

Find a licensed and dependable casino and sign up. Select your preferred baccarat casino game variation and chips value you wish to stake. Drag and drop them on the betting areas on the table and press the ‘Deal’ button. You can wager on the Banker bet, the Player bet, or the Tie bet.

Two cards will be dealt with the Banker side and another two with the Player side. Suppose the sum of your hand is 8 or 9, the dealing of cards stops. More so, if the sum of hand is 0 to 5, you receive a third card (Hit). The game’s objective is to form a hand with the closest values to 9 without surpassing.

Baccarat Odds and Payouts

Online Baccarat’s average payout is around 98%, which is decent for beginners and high rollers.

Bet type  House edge Odds Payouts
Banker  1.06% 44.62% 1:1
Player 1.36% 45.86% 1:1
Tie 14.4% 9.52% 8:1 or 9:1


Type of Side Bet in Online Baccarat Games

Baccarat has several side bets types besides the main bets: Player, the Banker, and the Tie bet. The side bets include:

Side Bet type House edge Rewarding outcome  Payout 
Player pair bet 11.25% First two cards dealt on the Player hand form a pair 1:1
Banker pair bet 11.25% First two cards dealt on the Banker hand form a pair 11:1
Either pair bet 14.54% First two cards dealt on the Player or Banker hand form a pair 5:1
Perfect pair bet 17.07% First two cards dealt on the Player or Banker hand for a suited pair 25:1
Big bet 4.35% Total hand dealt is 5 or 6 0.54:1
Small bet 5.27% Total hand dealt is 4 1.5:1


Online Baccarat Variants

Baccarat comes in different options. You can play for real money based on your bankroll and preference.

Some favourite online Baccarat variants include:

  • Mini Baccarat: It offers a low minimum bet limit, but it is fast-paced, making it easy to over-wager. It is wise to set betting limits to avoid losses.
  • Baccarat Banque: It features three decks. Winning on the Player side makes you wager on the banker side in the next gaming round.
  • Chemin de fer: It gives players the power of the dealer. A gambler wagers against others and can decide who draws a third card.
  • Punto Banco: It features three dealers and is fast-paced. The game’s software handles bets and the dealing of cards.

Baccarat Live Dealer Games

Baccarat offers several variants you can play online with a live dealer. The rules of play vary, but the objective of most of them remains the same. In all live dealer Baccarat games, you wager against a human overseer responsible for issuing you the playing cards and a payout after a win. If you want to know more about live casinos, learn more about 2022 trends for online gambling.

Play Baccarat on Mobile

Playing on the go is easy with Baccarat mobile gaming. The game comes optimised for smartphone and tablet screens, allowing you to wager even when you can’t access a PC.

Most online casinos offer a downloadable mobile app to ease your wagering processes. They even allow you to play the games’ free versions for fun as you hone your real-money-wagering strategies. If you are a US citizen, remember that the Obama administration did much for online and virtual gambling legalisation.

Baccarat Bonuses

Most online casinos offer freebie cash to help gamblers wager risk-free. The bonuses often have expiry dates and wagering requirements. Next are some offers you can expect:

Welcome bonus: This is the first bonus you can earn. It arrives after depositing your first bunch of wagering cash.

Match bonus: This bonus follows the welcome bonus, and you can get it more than once, depending on the site’s terms.

No deposit bonus: You get this without depositing cash to help you wager more and recover losses.

VIP bonus: You earn this bonus for being a loyal player at a site. It comes in different forms, such as wagering cash and merchandise gifts.

Baccarat Rules

Baccarat has several guidelines despite being straightforward. Below are those that apply to different online Baccarat variants:

  1. Ace has a card value of 1.
  2. Cards 2 to 9 represent their face value.
  3. The game takes place using 1 to 8 decks of cards.
  4. Card number 10, Jack, King, and Queen are equal to 0.
  5. Winning on the Banker’s hand is subject to a 5% commission.
  6. The house edge reduces based on the number of decks used in the game.
  7. A total hand score above 9 becomes the second digit. For example, if you form a hand total of 16, your hand will be 6. If it is 17, the hand will be 7.

Baccarat Betting Tips

You can apply betting tips to reduce losses and boost winnings while playing the Baccarat game of chance. Below are some tweaks you can leverage:

  • Avoid the tie bet

Despite offering a high payout, the tie bet has an astronomical house edge of 14.44%, higher than the Banker or Player. Avoid it since it is unlikely to reward you.

  • Check the number of decks

The number of decks used in Baccarat online games depends on the variant. More so, the higher the number of decks, the higher the house edge becomes.

  • Set a win or loss limit

Playing Baccarat is like flipping a coin; it is difficult to tell which side wins. As a result, it is prudent to manage wagering cash and stake small amounts. Also, set limits and heed them, regardless of whether you are on a winning or losing streak.

  • Confirm the house edge before staking on side bets

Baccarat games offer reasonable payouts, but the house edge can be draining. For example, the Perfect pair bet pays 25:1, but the house edge is 17.07%. If you bet on it, you will receive less than in other types of side bets.


You can play free baccarat games to understand the rules before staking real money. This will help you try out different wagering strategies as you have fun. Go for gameplays with the highest offers and the lowest wagering requirements. Achieving this will help you get the most out of the baccarat game.

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