Play Baccarat Game Online – Rules, Games & Top Baccarat Casinos for 2021

Online Baccarat Basics
Rules Diffuculty Medium
RTP 82.93% – 98.94%
Online Variations RTP and Live Games
How to Win Top Tips
Where to Play

Free Baccarat Online – Try Our Simulator

The baccarat game is one of the most loved and preferred gambling attractions there are which logically makes it one of the top table game choices available. Its easy rules and not that difficult payouts make it an even more tempting gambling choice among all players. That’s why we’ll have a look at its presence across some of the most preferred online gambling websites. Furthermore, in order to get you started properly, you can enter some free baccarat sessions below:

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How to Play Baccarat – Getting Started

We’ve already mentioned that the game is easy to play but let’s see what are the details which prove that. In order to play the game, you’ll need to find a baccarat table, which may vary in terms of limits and seats. The object of the game is always to have a number as close as 9, which is the highest number you can get in baccarat. Furthermore, there are 4 cards which are dealt face-up from a casino shoe with 8 decks in it – two for the ‘player’ and two for the ‘banker’. Those are two of the three available options you can bet on.

Therefore, you can place bets either on the player or the banker, depending on which combination you think will be higher. You can also place a bet for a ‘tie’, or in some baccarat variations whether the player or the banker will have a pair in their combination. Some of those bets are illustrated on the table which you can see pictured below:

Baccarat Table Layout

Baccarat Rules – Beginner’s Guide

Since we’ve got some of the basic principles out of the way, it’s time to go through the rules of the baccarat game. The first thing you should note is that there are three different table layouts – baccarat online layout, a mini and a big table layout. The online and mini tables are usually similar while the big version is with high stakes, more seats and is mostly VIP player-oriented. Regardless of whether you play baccarat online or at a land-based operator, here are the basic rules which always apply:

  • All cards from ace to nine represent their true value.
  • Face cards are counted as zero points.
  • If you have a Queen and 3 combination, that counts only as three.
  • You can place bets on player/banker, tie or pair.
  • Winning banker bets pay 5 % commission.
  • There are certain baccarat drawing rules that apply.

Those are the main things you’ll have to take into consideration and if they seem too difficult on paper, you’ll see that with a little bit of practice you’ll master them in no time! Furthermore, the great availability of this game across online casinos is another advantage for fans of the game or those of you who are still learning the basics. In regards to the payouts, the game is much more simple than you think, so make sure to check the details about them below!

Odds and Payouts

Maybe one of the most important factors around every game is the payouts it provides players. Generally speaking, payouts show how much money you’ll win in return of your winning wager. For example, if you bet 5 dollars on a bet of 8:1 and you win, the money you’ll be paid is 40 dollars. Another thing you should always have in mind is that casino games are designed in a way that the house always has an advantage in odds making. Speaking of that, we’ve listed the payouts and the odds for the types of baccarat bets in the following table:

Baccarat Bet Payout Odds
Banker 1:1 48.94%
Player 1:1 48.76%
Tie 8:1 or 9:1 35.64%

Although these are the standard payouts and odds, you should consider the fact that various versions of baccarat might pay differently. Apart from that, different operators and software providers can affect the ways you’re paid, so in order to be prepared for what to expect, we always encourage our readers to be cautious and read carefully the game information list before start playing.

House Edge and RTP

Regardless of whether we’re talking about baccarat or any other gambling game, there’s always a house edge involved. Тhis term is used as a synonym for casino benefit which is basically a long-term mathematical advantаge of the casino over players. Depending on the bets, this advantage might be different, but remember that if the percentage is higher, it means that the casino is more likely to beat you. Below we’ve added the house edge for all of the three different baccarat bets, so make sure to explore them:

Baccarat Bet House Edge
Banker 1.06%
Player 1.36%
Tie 14.40%

Since we’ve got the house edge out of the way, you might be interested in knowing more about the return-to-player rate, or simply put as RTP. This indicator shows the theoretical percentage of wagered money which the casino expects to be returned to the player. However, if we have to be more specific in terms of baccarat, the RTP varies from 82.93% to 98.94%. This also depends on the software provider as well.

Baccarat Games – Top Online Variations

Due to its popularity, baccarat has evolved in terms of rules and in various parts of the world might be played differently. Although the combinations themselves remain the same, slight differences can be found throughout the available baccarat versions. These are mostly related to payouts and lack of commissions, for example. Some baccarat variations might also have additional bets as possibilities. Whatever the case may be, baccarat has a long reputation of being one of the most preferred casino games and that’s why there are lots of RNG and live game variations. We’ve listed some of the most popular ones below, so make sure to check them out for yourself:

  • EZ Baccarat
  • Punto2000
  • Chemin De Fer
  • Baccarat Banque

With so much interest in the game, there’s no denying that a lot of software companies are looking to provide players with their very own versions of this wonderful game. The choice is truly amazing and we’ll get to that later in the review. For now, let’s continue with the available RNG baccarat variations!

RNG Games – Your Top Baccarat Options

For those of you who are unfamiliar with the types of table games, you should note that there are two main variations – RNG and live tables. While the latter is pretty self-explanatory, RNG stands for random number generator, which means that there’s an algorithm in place of the table game. Once that algorithm is triggered, a winning number or combination is shown. Although some players think that those games are unfair, there are third-party independent companies like eCOGRA,for instance, which analyze this and check whether a game is set accordingly to the industry’s standards. With baccarat’s immense popularity, it’s no wonder that there are a lot of software providers who offer versions of the game and you can find some of them below:

Baccarat Game RTP Software Mobile-Friendly
Baccarat Gold 98.94% Quickfire Yes
High Limit Baccarat 98.99% Microgaming Yes
3D Baccarat 98.94% IronDog Yes

Although we’ve listed some excellent baccarat card games, we should note that there are operators which offer a wider RNG selection than others. When it comes to the game’s variety, below you can see our top suggestion with lots of different baccarat versions available. You can also take a look at what bonus the respective operator offers and take advantage of it as well!

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Play Live Baccarat Online – All You Must Know

Since we’ve already mentioned live gameplay, here’s the dedicated paragraph for this baccarat type as well. Once you sit on one of the tables, you’ll definitely feel like you’re in a world-class casino, since there are a lot of providers that offer outstanding live baccarat versions. Speaking of that, we’ve taken the liberty to add some of the most popular baccarat variations you can play in live-action:

  • Speed Baccarat by Evolution Gaming
  • Dragon Tiger by Evolution Gaming
  • No Commission Baccarat by Evolution Gaming
  • Live Baccarat by Microgaming
  • Prestige Baccarat by Playtech

Playing on the go is of crucial importance, especially in times of numerous technological advancements where comfort and usefulness are no longer competitive advantages, but rather a standard across the gambling industry. Having that in mind, there’s no surprise that our list of best gambling sites offer the baccarat card game on mobile devices as well. However, when it comes to live baccarat gameplay, we have a clear winner which you can see below:

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Best Baccarat Online Casinos for 2021

Whenever a player wants to register with an operator, he looks only for the best deals available and that’s why we’ve taken that into account. However, there’s a number of criteria we’re looking at in order to determine which operators would be worth your attention. Security, mobile versions, bonuses, games and many more have been taken into consideration, so you can check below our top 5 baccarat sites:

Last updated: January 13, 2021
Welcome Bonus Pros and Cons Test Score Trusted Link Terms
Up to $1000 Great VIP Club Excellent App Fast Bonus Validity 4.85/5 Full T&C's apply. 18+. New players only. £10 minimum deposit. 40x wagering applies. Bonus valid for 14 days. Minimum £5 wager required to activate 200 Free Spins. 20 Free Spins will be credited per day for 10 days after qualifying deposit/wager is met. Free Spins valid for 72 hours from credit -
Up to $250 Bonus Package Great Game Variety No FAQ’s 4.75/5 Full T&Cs apply. New customers only. Opt-in required. 100% Match Bonus up to £250 on 1st deposit of £20+. 50x bonus wagering applies as do weighting requirements. Credit Card, Debit Card & PayPal deposits only. Irregular gameplay may invalidate your bonus.
+ Up to $1500 No Deposit Bonus Trusted Casino Limited Game Choice 4.70/5 Full T&Cs apply. No Deposit Offer: New players only. £88 is granted in FreePlay (FP). FP must be claimed within 48 hrs of receiving the email and expires after 14 days. FP wins are credited as bonus and capped at £15, exc. JP win. Deposit Bonus Offer: £20 min deposit. 100% up to £100 Bonus. Bonus wins are capped at £500. To withdraw bonus & related wins, wager 30x (bonus amount) within 90 days. Restrictions apply to deposit until wagering requirement fulfilled.
Up to $150 Good Live Game Selection No Deposit Bonus No Boku Payments 4.60/5 Full T&Cs apply. New accounts only. Min. £10 deposit, debit/credit card and PayPal only. 50x wagering, game contributions vary. Max. stake applies. 7-day expiry. 18+.
100 % Match Live Casino Bonus Daily Prizes No 24/7 Phone 4.55/5 Full T&Cs apply. Minimum deposit of £10, x45 wagering, Roulette and blackjack 50% weighting. Bonus Valid for 7 days. Not available to customers using Moneybookers/Skrill or Neteller as a payment method.

Those are some quite serious цасинос which we’ve added and apart from the great features they have, their reputation speaks for themselves. All of the aforementioned operators are available in lots of other countries which is another strong sign that they aim at building credibility among lots of nationalities through fair conditions and high quality. Furthermore, the welcome bonuses are also a major factor when choosing a new casino and that’s why we’ve reviewed them for you in the paragraph below.

Play Baccarat Online with Bonus – Best Promotions

It’s time to provide more information on maybe the most exciting key factor when it comes to casino play – the welcome bonus. Greeting you properly is important since almost all casinos offer welcome promotions to their newcomers. We’ve listed below some of the most appealing baccarat bonuses out there, so make sure to go through them!

Casino Bonus* Wagering Requirement Baccarat Contribution Min Deposit Additional Bonus Perks T&C
Mansion Casino £500 40x Bonus within 30 days 20% £20 10% Cashback Full T&Cs apply. New customers only. Min deposit £20 max bonus amount £500. First deposit: 100% up to £200. Second deposit: 50% up to £300. Wagering 40x for each bonus. Game weighting applies. Cashback: 5% cashback on first and all other deposits during week 1, 10% cashback on all additional deposits taking place in week 2 only. Bonus betting limits: slots - £5 all other games - 10% of bonus amount.
Casino Las Vegas €500 20x Bonus within 30 days 10% £20 50 Free Spins Full T&Cs apply. New Customer only. 18+.
Grosvenor Casino £20 5 Bonus within 30 days 100% £20 N/A Full T&Cs apply. First deposit only. Min £20 deposit. 5X wagering. See the operator's promotions page for full details. Always gamble responsibly.
Royal Panda $100 35x Bonus within x days 10% $10 N/A Full T&Cs apply. 18+, first deposit only. Casino bonus: min. £10, max. £100. Bonus/free spins winnings wagering requirement: x35. Max. bonus bet: £5, can vary. Free sports bet: minimum deposit and stake £20 (min odds 2.0). Credited after all qualifying bets settled. €400 40x Bonus within 30 days 20% $20 180 Bonus Spins Full T&Cs apply. New customers. Spins: 20 on registration, 180 after deposit. Winnings given as bonus funds. 20x wagering. Spins and bonus wagering on Age of the Gods games only. Welcome bonus; £20 min deposit. Max bonus £100, wagering 40x. Game weights apply. Betting limits - slots: £5. All other games: 10% of the bonus amount.
* 18+, New Customers Only

Although those welcome bonuses might not seem that appealing on the surface, the truth is they come with well-balanced terms and conditions which is the main advantage when it comes to decision making. Regardless of your choice, make sure to always go through the most important requirements before you claim a bonus. Some of them include wagering contributions and requirements which need to be met in a specific time period, but this doesn’t mean that you won’t find underwater rocks as well!

Our Recommended Real Money App

Mobile gameplay is no longer a significant advantage but a standard among operators. In all other spheres, there are certain apps or mobile versions which help users get engaged easily with particular tasks or activities. The gambling industry is known for doing its best to make players feel like at home, so it’s normal for casinos to offer play on the go options to gamblers. Furthermore, there are levels to mobile play and that’s why we’ve listed the best baccarat app below:

Best Mobile App

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Since technology is constantly evolving and software providers are doing their best to transform desktop versions in reliable mobile games, there aren’t many differences except the smaller amount of mobile choice. However, this will soon change as the future of online gambling is on mobile devices and most games will be accessible there, and this includes social casino games. Apart from that, platform intuitiveness and reliability are pretty much the same with one main advantage over desktop devices – easy access. Since you won’t be dependant on a PC, as long as you have a reliable Internet connection on your phone, you’ll have the world of online gambling in the palm of your hand!

Baccarat Tips – Improve Your Odds to Win

Playing the baccarat game Is basically a coinflip. Whether you decide to place a banker or player bet, the odds for them are relatively the same, with the exclusion of the tie, of course. Having that in mind, we can say that regardless of your strategy, the main baccarat odds remain the same in any case. Our most important advice is to play the game for fun and not for any other financial reason as this way you’ll be able to enjoy it fully. Furthermore, we’ve added a list of simple guidances which we’ve listed below and once you follow them, you will have the basics to be a responsible player:

Since we’ve got out of the way the most important valid points, it’s time to admit that there is a way to strategise your play, although it doesn’t guarantee success. There are some tips worth mentioning and if you’re an experienced baccarat player, you might have even heard or used some of them. Either way, we’ve listed some strategic approaches below which you might want to check out!

Top Baccarat Strategy – Would It Help You Win

Depending on the version you prefer playing and mostly on your main goal when you’re at the baccarat table, different strategies can be applied. Whether you have a more aggressive approach or prefer to slowly build up your bankroll, here are the best tips for developing a strategy. Bear in mind that these don’t guarantee a 100 % success rate!

  1. Avoid making tie bets – they are the riskiest!
  2. Banker is the best bet – it has a small advantage!
  3. Money management is important – look after your funds!
  4. Mini-baccarat can be quite dangerous – it’s quite fast and dynamic.
  5. Go with player or banker bets until they lose.

Those points may be quite valid after you analyse your past gaming session and sometimes they might even grant you great winnings. However, our most important advice is left for last and that is to play with bets which you can afford, or in other words – don’t risk too many funds. This is always beneficial and although on your winning decisions you’ll earn small, remember that when you lose, at least it will be a minimal amount!

Final Overview – Our Top Baccarat Casinos

Since we’ve covered all the important aspects of baccarat play, it’s time for our final verdict. Overall, this excellent card game is featured from lots of top operators which makes it an outstanding choice for die-hard casino fans. Its simple rules make it an interesting choice for newcomers as well, so regardless of your experience, you can play baccarat online safely as there is a great variety of versions created. If you haven’t chosen the casino where you would like to challenge your baccarat skills, make sure to once again go through our list of top baccarat casinos or just see our number one choice below:

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Welcome Bonus Up to $150 150% Match
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Although it has some great features and its gameplay is exciting, baccarat isn’t a game which everybody likes. That’s why, in order for us to be as helpful a possible, we’ve created various other game pages which you mind find more interesting. If you’re a fan of ball-spinning action, maybe our online roulette guide might be just the thing you’re looking for! Regardless of your preference, check it out as you can find lots of valuable information along the way.

Popular Questions

Although we’ve been quite extensive in our analysis and in-depth facts have been provided, there are always certain questions that might arise. That’s why we’ve gathered the most popular queries by players and we’ve added them below. We advise you to check them out as they might provide proactive guidance for your own baccarat adventures in the future!

How to play baccarat?

Learning to play is easy but essentially you just need to know the rules, sit at a table and enjoy the action the game brings. If that doesn't work out for you, you can always check our suggestion from the last paragraph.

What is baccarat?

Baccarat is a card game where the objective is to place a certain bet and guess with it the outcome of a winning combination. Apart from that, there are lots of software providers which create different versions and some of them you can check in our live game paragraph!

How to win baccarat for sure?

Although there's no bulletproof way of guaranteeing endless winning streaks, there is a way to come up with a strategy. In order to strategize your play, you would also need to have experience and play regularly, which can easily be done through the best baccarat app we've listed above!

How to consistently win at baccarat?

We hope you do win as frequently as possible but in order to that, there are certain fundamentals which you need to master first. By checking the advice from our tips section you will be able to be one step ahead!

How many betting positions are there on a baccarat table?

Once you sit at the baccarat table, you will be able to bet either on player, banker or tie. You can also place bets on player pair or banker pair in some variations. If you're eager to find out more, make sure to check our rules paragraph.

How to deal baccarat?

Dealing baccarat will be something which you'll do only if you're sitting at a big baccarat table, where the stakes are higher. In mini-baccarat tables there is always a dealer involved who deals two cards for banker and player. For more details, check our dedicated 'how to play' paragraph.

How to count cards in baccarat?

Add 1 to your count when an ace, two or three are dealt, add 2 when a 4 is dealt. When it comes to 5,7 or 8, subtract 1 and if 6 hits – subtract 2 from your count. The other cards are neutral but you should note that this may not work on the RNG baccarat tables.

What is the best baccarat strategy?

This depends mostly on what you're goal is. Furthermore, it also depends on the table and the baccarat game variation, so there is no unified best strategy. However, we've added some key points which might be useful in the the strategy paragraph above

What is mini-baccarat?

Especially popular among Asian players, mini-baccarat is a smaller version of Punto banco and has lower limits. The table is also smaller than the regular baccarat table. If you want to know more about different versions< check our games paragraph.

How to make money playing baccarat?

Placing reasonable bets is always a good option and you should also know that baccarat is mostly a game of chance. Bonuses can also be helpful in that direction, so whenever you can take advantage of such offers and check the best baccarat bonus offers above.

What are the best online baccarat casinos?

The best online baccarat casinos are the ones that fulfill certain requirements successfully, such as bonuses, payment options, game variety and more. We've also taken the liberty to list some of them so make sure to check our dedicated top operators paragraph!

What is the baccarat house edge?

Тhe baccarat house edge is the advantage that the casino has over players. This is a factor which is present at all gambling games and if you want to know more details about its percentage in baccarat, make sure to check our house edge paragraph.

Where can I play a free baccarat game?

Free demo versions of games are always a good way to get you started. They do provide a clear idea of what to expect in real play, so if you want to take advantage of such a head-start, make sure to check our free baccarat demo.

What are the best baccarat odds?

The best baccarat odds are with the tie bet as it can pay as much as 9:1. However, it's the riskiest of the three available bets and the other two give you a better chance in theory. For more information on the matter, please check once again our payouts paragraph.

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