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Good To Know
A hand in online Baccarat consists of two or three cards, but can never go bust like in Blackjack. Any score higher than 9 will instead have 10 subtracted from it. For example, an 8 and a 3 makes 11, but once the 10 is taken away, the score is 1. An easy way to calculate this is just dropping the first digit in any number more than 9.
Online Baccarat Odds And House Edge
This table assumes standard Baccarat rules: 8 decks and 5% commission on winning Banker bets:
| Bet | House Edge |
|---|---|
| Banker | 1.06 |
| Player | 1.24 |
| Tie (paying 8:1) | 14.36 |
As we have established, there are three different bets available to you when playing Baccarat online; Player, Banker, and Tie. You may also see these referred to as Punto, Banco, and Egalité.
Tie bets are best left alone. Despite their tempting 8/1 payouts, the odds of it happening are around 11/1, resulting in a hefty house edge of 14.36%. Player bets are a much better proposition, with a house edge of only 1.24%. But the Banker bet is the best of the bunch, and arguably, the only Baccarat bet you will need.
The Baccarat rules give the Banker hand an advantage, which is why every winning Banker bet is subject to a 5% commission (also known as a rake, vigorish, or vig). This enables the online casino to swing the edge back in their favor, by 1.06% to be exact. In physical casinos, this commission is usually paid when you leave the table, which can lead to an awkward situation if you’ve got no chips left. One of the benefits of playing Baccarat online is the commission is automatically calculated and taken in real-time.
Plus, it’s much easier to simply reduce the house edge with a Banker bet in Baccarat than by, for example, learning the perfect strategy required to minimize the house edge in Blackjack. What’s more, the house edge of Baccarat is more favorable than most bets in online Craps and much better than what you get when playing Roulette online.
How to reduce the house edge in Baccarat
If you wish to reduce the house edge of online Baccarat still further, look for games with a smaller commission (vig) on winning Banker bets. As you can see from the table below, it can make a significant difference!
During special promotion periods in Las Vegas, some casinos have been known to offer Baccarat games with 0% vig. This gives the Player a 1.24% advantage, but for obvious reasons these games don’t appear that often.
Strategies For Online Baccarat: How To Win
Strategically Baccarat online is very basic, as you don’t have to make any decisions at all other than who to bet for; the Player or the Banker. If you focus on money management, and avoid the one bet that offers bad odds (the Tie bet), you should do just fine.
As explained above, there are two proven ways to maximize your chances of winning. Bet on the Banker, and look for an online Baccarat game with a low commission/vig on Banker bets. There are still betting systems which you can employ while playing Baccarat online however.
Baccarat Strategy: Martingale Betting System
The Martingale system is one of the oldest and most popular betting systems, devised for even-money games. While it is commonly used by online Roulette players, it has also been adapted for Blackjack and Baccarat.
The premise stems from the law of averages, which states that on 50/50 bet, 50% of the time one outcome is probable, while the other 50% of the time, the opposite outcome is probable. Sooner or later, if you can afford to keep gambling and increasing your bet, you will end up even plus $1. This system works best if you can find a $1 minimum bet table online.
| Stake | Outcome | Profit/Loss | Running Balance |
|---|---|---|---|
| $1 | Win | $1 | $1 |
| $1 | Win | $1 | $2 |
| $1 | Lose | -$1 | $1 |
| $2 | Lose | -$2 | -$1 |
| $4 | Lose | -$4 | -$5 |
| $8 | Win | $8 | $3 |
Use Martingale only when you bet on the Player or the Banker. After you lose an even-money bet, double your bet until you win. When you win, you will have won a total of $1. Unfortunately, bettors often exceed their bankroll before hitting a winning hand, so this Baccarat strategy isn’t for the faint-hearted.
Baccarat Strategy: Paroli
The Paroli system ups the ante when you’re winning, taking advantage of hot streaks on even-money bets. As with Martingale, use this system only when you’re betting with the Banker or the Player. Any Baccarat strategy is rendered worthless if you bet on a Tie as the odds are so unfavorable.
The objective of the Paroli system’s objective is to cut your losses quickly and let your winnings ride. When you win, you double your next wager. When you lose, you bet the same amount as the last wager.
| Stake | Outcome | Profit/Loss | Running Balance |
|---|---|---|---|
| $1 | Win | $1 | $1 |
| $2 | Lose | -$2 | -$1 |
| $2 | Lose | -$2 | -$3 |
| $2 | Lose | -$2 | -$5 |
| $4 | Win | $4 | -$1 |
| $8 | Win | $8 | $7 |
Card Counting In Baccarat
It was Edward Thorp who realized that the odds in Blackjack radically change depending on the value of the remaining cards in the shoe. Naturally, people tried to find out if there are any other games that can offer players positive expectation when counting cards. Baccarat was a prime suspect due to its similarities with Blackjack.
However, counting cards in Baccarat online or offline barely affects the odds at all. The math shows that if you want to achieve positive expectation, you can only play every 500 hands and have to go through very complicated calculations along the way. Therefore, card counting in Baccarat is not an effective strategy.
Top 3 Tips For When You Play Baccarat Online
Even though Baccarat is a game of pure chance, there are several tips and tricks that Baccarat enthusiasts use to further decrease the house odds or to increase their chances of success.
- Don’t bet on a tie. The house advantage is 14%-15% when you bet on a tie.
- Bet on the banker. This provides the absolute lowest house edge.
- Find a casino that charges lower commission on winning banker bets. The difference is noticeable between a 4% and a 5% commission:
Online Baccarat Variations
Because Baccarat is played around the globe, it shouldn’t come as any surprise that there are several popular variations. Baccarat comes in three flavors: Baccarat, Mini Baccarat (also known as Punto Banco), and Chemin de Fer. The object of Baccarat is always to bet on the hand that comes closest to 9 points – here is a brief explanation of the subtle differences that exist between them.
Baccarat, the European original, is played on a large table. This game is, or at least used to be, very highbrow and the tables are often located in an exclusive part of the casino. The atmosphere in these games is often deadly serious, in a stark contrast to the loud merriment surrounding the Craps table. In these games, the players themselves take care of the dealing and the stakes are often very high.
This version is the one played in the classic Monte Carlo casino. Chemin de Fer is played as original Baccarat except for two big differences. You actually have a decision to make when the player’s first two cards show a total of five: to take a card or stand. Also in Chemin de Fer, instead of simply betting on either the banker or the player, you are the banker, the player, or a wagering spectator in each hand.
Punto Banco is a modern form of Baccarat, designed for those who want a faster-paced and more accessible game. This is the version you will typically find in online Baccarat casinos, and is explained further in our how to play section.
Good To Know
When playing Baccarat at a land-based casino, there are other elements of the game which can vary as well, such as:
- Number of decks being used
- Who serves as Banker and controls the shoe
- Who controls the action (finances the game)
- Payouts
- Commission/vig amount
Live Dealer Baccarat Online
Playing Baccarat online is undoubtedly entertaining, but occasionally you may find yourself wanting a bit more of the personal interaction that is missing from the experience. That being the case, you may enjoy playing live dealer Baccarat online instead.
The game mechanics are completely the same, so you won’t even need to change your strategy. The only difference is, you get to see your cards being dealt by a real person in front of a camera, while having the opportunity to interact with them. This makes the experience much more real, while also assuring you that the cards being dealt are in fact completely random.
Baccarat Online Bonuses
All of our recommended online Baccarat casinos listed above offer highly generous bonuses to new players, which can be used to play Baccarat online. For the biggest and best bonuses, make a deposit when you initially sign up. Casinos exist in a highly competitive marketplace; they’ll gladly give you a huge bonus in the hope that you’ll continue playing with them.
Fortunately for you, we’ve done all the hard work and found the best online Baccarat casino bonuses available in your region. Just compare your options in our list and take your pick!
Play Baccarat Online With No Deposit
No deposit bonuses can also be used to play Baccarat online at certain casinos. However, sign up is still required, and the bonus amounts are significantly lower than you would receive for making a deposit. These bonuses are mainly useful if you want to test-drive a particular Baccarat casino before committing yourself.
As an alternative, you can play free Baccarat for fun right here on CasinoGuide by scrolling up this page to our free game. There’s no need to sign up or download anything, just play to your heart’s content!
Choosing Between Real Money Online Baccarat Casinos
When assembling our list of the best legal and regulated online Baccarat casinos, we conduct a thorough review of each one as a matter of course. Our reviews all focus on the six most critical aspects of online casinos:
- Design, including user experience and mobile-friendliness
- Bonuses for new and existing players
- Games selection
- Range of payment options
- Customer support availability
- Security and reliability
