Baccarat is one of the world’s most iconic casino games. It’s easy to play, thrilling, and comes with a very attractive, super-low, house edge. If you’re ready to play, take five and let us show you the real deal.
In this guide you’ll find:
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One of the joys of baccarat is its simplicity. Betting is easy, with only three possible options: banker, player, or tie. Unlike blackjack, players don’t have to make any in-game decisions. You just make your bet, cross your fingers, hope for the best, and the dealer does the rest. Simple.
Baccarat is a competitive card game, played between the bank and up to 14 players. In Asian baccarat, the dealer acts as the bank. In the older, European, version of the game, known as Chemin de Fer, players would compete against each other, with everyone taking on the role of banker in turn. There are also different variations, including 3 card baccarat.
Before the game begins, players must place their bets; choosing either player, bank, or tie. The action starts with each player and the dealer getting two cards; typically dealt from a shoe holding between six and eight decks.
The total points of the cards are then added together. If necessary, and according to a set of pre-determined rules, one more extra card is drawn. The winning hand is the one closest to a total of nine. If both hands are the same, it’s a tie.
In baccarat, when you total the two cards, the number can never be higher than nine. If the total is higher than nine, the first digit of the total is removed.
All picture cards and the ten are worth zero points. The ace is worth a single point.
If you are dealt a 10 and a five, your hand equals: 0 + 5 = 5
If you are dealt a seven and a six, your hand equals 7 + 6 = 13 (remove the first digit and the hand equals 3)
If you are dealt a king and a jack, your hand equals 0 + 0 = 0
If you are lucky enough to get dealt cards totalling eight or nine, you have a ‘natural’; normally, a winning hand.
The Third Card
If neither the player nor the banker achieves a natural (a points total of 8 or 9) the ‘table of play’ – the ‘tableau’ – applies. The rules of when exactly to draw extra cards are different for both the player and the banker. There is no choice. These are pre-determined rules that you can view online.
Here is the tableau:
If the player stands with a 6 or 7, the banker follows the same rules as the player; drawing a third card with hands totalling points of 0 to 5 and standing with hands totalling points of 6 or 7.
However: If the player does draw a third card, the banker must act according to the tableau.
Conclusion and Commission
After the croupier has dealt all the cards according to the tableau, the winner is decided and paid at even money. However, because the banker bet actually has a higher probability of winning, a commission (usually 5%) is paid to the house.
Some casinos offer commission free baccarat but there is usually a hidden cost. Read the small print. If the outcome is a tie (égalité), player and banker bets roll over to the next game. Tie bets pay out at either 8:1 or 9:1.
Now you know the rules, start playing baccarat at our highest rated casino below.
If you like your online casino action with a human face, live dealer baccarat is the real thing. In the past ten years, live streaming casinos have come a very long way, with high definition broadcasting and intuitive interfaces.
Playing an online baccarat game with a real dealer is for many people as close as they will get to real Las Vegas casino experience without hopping on an airplane and heading to Nevada. Carbon friendly, convenient, and all from the comfort of your home.
The beauty of live streaming Asian baccarat is its transparency. There are no random number generators, no complicated algorithms, no questions about fairness. Just a dealer, several decks of cards, and a baccarat table. You can see everything as it happens – in real time.
In truth online baccarat in Asia has very few strategic moves. Unlike blackjack, where tight, disciplined, play can dramatically reduce the house edge and improve your chances of winning, baccarat is more akin to roulette. It is essentially a game of luck without any real strategy.
There are – however – a few golden baccarat rules that will improve your odds of winning when you enjoy a live online baccarat game. The only decision you need to take is where to place your bet. This is the key to optimising your time at the table. You must choose wisely.
Baccarat already comes with a very low house edge. In fact, it’s one of the lowest of all casino games (which is why we think it’s such a cool game). However, the edge varies depending on the bet. If you choose to bet with the banker, the edge is around 1.06 per cent. If you bet with the player, the house edge is about 1.24 per cent.
The bet to avoid at the baccarat table is the tie. This is where you are betting on both hands being equal. This is classified as a sucker bet. It may pay out at either 8:1 or 9:1 but the house edge is almost 15 per cent. This means you can expect to lose $15 for every $100 gambled. If you bet the bank, you lose only $1.06 for the same $100 stake. Even online slots rarely have a house edge of more than 12 per cent.
There is one final consideration. Betting the banker is the wise play but it comes at a cost. You must pay a small commission to the house with every winning hand.; normally about 5 per cent. Some casinos waive this charge but normally at a cost elsewhere.
Our team of gaming experts has decades of experience in the online casino business. From the first online betting site in 1997, to streaming live dealer baccarat and virtual reality, we’ve played them all.
Our reviewers have worked with some of online gaming’s pioneers and legends, including Intertops, PartyPoker, BoDog, 32Red, Mansion, BetWWTS, BetOnSports, Casino Choice, and many more.
We now use our experience to bring you all the information you need when betting online. We rank sites based on ease-of-use, customer support, playability, range of payment methods, speed of payouts and reputation.
The one thing you don’t want to gamble with is your choice of casino. Today, rogue websites are few and far between, but you can never be too careful. Any online casino website we champion must conform to strict security and safety rules.
If we’re talking Asian baccarat, then the right currency is critical. Our top casinos will accept Yen, Baht, Won and a wide variety of other Asian currencies.
It’s all about the baccarat. Our recommended sites offer you a range of exciting play online options. Dig in and find your favourite online casino.
You can’t beat a bonus, a special offer, or a cash kick back. We’ve dug deep to find the best deals online.
Small but perfectly formed. Our selection of baccarat casino’s offer mobile play which allows you to put this classic game in your hand.
Our expert team has researched across the internet and found the best live dealer baccarat casinos. You can find them listed above.
It’s got one of the lowest house’s edges of any casino game so there is a great chance of winning, but you still need to be lucky.
Betting banker gives you the best chance of winning but it’s not compulsory. Our recommendation is to avoid betting on tie.
Like any casino game, baccarat has a small house edge. The banker’s advantage is simply down to the rules of the game.
The best hand in baccarat is called a natural. This means your cards total to an eight or a nine without a tie.
It depends how much you wager but both the player and banker pay even money. A tie pays at either 8:1 or 9:1.