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Baccarat is a popular casino game which can be found at several online casinos. There are a number of different Baccarat variations available with Punto Banco being the simplest and the most widely played by far.
Baccarat is a game which, although popular, isn’t understood by many compared to other casino games such as Blackjack or Roulette, yet it is a simple game which requires no skill from the player.
We’ve put together this guide to help you understand how Baccarat works, the rules of Baccarat, basic Baccarat strategy and which online casinos you can play Baccarat Live at.
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 • Bonus wins are capped at £500 • To withdraw bonus & related wins, wager 30 x (bonus amount) within 90 days • Wagering req. vary by game • This offer may not be combined with any other offer • Deposit balance is available for withdrawal at any time • General withdrawal restrictions & fT&Cs apply. #ad. begambleaware.org
In a game of Baccarat, two hands are dealt, each containing two cards. One to ‘The Player’ and one to ‘The Banker’. The main objective of Baccarat is to guess which of the two hands will have a combined value closest to 9.
Each card in Baccarat is assigned a value.
Two cards are dealt to both The Player and The Banker and the values of those cards are combined to determine the winning hand which is the one with the value closest to 9.
If the total of a hand results in a double-digit number (10 or higher), the second number is deemed the value of the hand. You can also achieve the same result by subtracting 10 from the combined value.
For example, if The Players two cards are a Jack and a 7, the total would be 17 and so the hand value would be 7.
If The Players two cards are a pair of 5s, the total would be 10 and so the hand value would be 0.
The above explains the basic play of Baccarat but there are a few additional rules.
Cards Total | ||
1-2-3-4-5-10 | Draws a card | |
6-7 | Stands | |
8-9 | Natural (Banker cannot draw) | |
When Bankers First Two Cards Total: | Banker Draws When Player's Third Card Is: | Banker Stands When Player's Third Card Is: |
3 | 1-2-3-4-5-6-7-9-10 | 8 |
4 | 2-3-4-5-6-7 | 1-8-9-10 |
5 | 4-5-6-7 | 1-2-3-8-9-10 |
6 | 6-7 | 1-2-3-4-5-8-9-10 |
7 | Stands | Stands |
8-9 | Natural (Player cannot draw) | Natural (Player cannot draw) |
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 • Bonus wins are capped at £500 • To withdraw bonus & related wins, wager 30 x (bonus amount) within 90 days • Wagering req. vary by game • This offer may not be combined with any other offer • Deposit balance is available for withdrawal at any time • General withdrawal restrictions & fT&Cs apply. #ad. begambleaware.org
The main bet in Baccarat is betting on either The Player, The Banker or a TIE.
If you bet on The Player, the payout is even-money.
If you bet on The Banker, the payout is 0.95 / 1 (even-money with a 5% commission).
For example, if you bet £10 on The Player and that hand won, you would receive back £20.
If you bet £10 on The Banker and that hand won, you would receive back £19.50.
If you bet on a TIE and both The Bankers and The Players cards total the same value, your bet will be paid out at 8/1.
Now that we know how Baccarat works and what the available betting options are, let’s take a look at the House Edge for each of them to determine which are the best bets to place.
First, let’s take a look at the house edge for The Player bet.
The Player bet in Baccarat has a house edge of 1.24% which is relatively low compared to many other popular casino games.
The Banker bet in Baccarat, despite having a slightly lower payout, has a house edge of 1.06%.
Betting on a TIE in Baccarat is generally a very bad bet as the House Edge is an alarming 14.36%.
Therefore, the bet which gives you the best chance of making a profit from Baccarat is betting on The Banker.
Baccarat is a popular game in land-based casinos but many online casinos which provide a live games section also feature Baccarat. Playing Baccarat online at a Live Casino means that you’ll be playing at a real table with other players and a real-life dealer.
There are a few live casino developers which provide live Baccarat with the most common being Evolution Gaming and Playtech whos games are widely available at numerous online casinos.
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 • Bonus wins are capped at £500 • To withdraw bonus & related wins, wager 30 x (bonus amount) within 90 days • Wagering req. vary by game • This offer may not be combined with any other offer • Deposit balance is available for withdrawal at any time • General withdrawal restrictions & fT&Cs apply. #ad. begambleaware.org
As well as betting on The Player, The Banker or a Tie, some Baccarat tables offer side bets. The side bets which are available will depend on the game provider of the Baccarat table.
There are a number of Pair side bets available which can be placed either on The Players or The Bankers hand and it applies to the first two cards dealt.
Another side bet option is betting on Big or Small and applies to the total number of cards which are dealt to both the player and the banker.
Bonus side bets can be placed on either The Player or The Banker. A Bonus side bet pays out when either the player or the banker (whichever you bet on) wins the round with a natural 8 or 9 or by at least four points.
Bonus side bets are available at Evolution Baccarat tables.
Egalite side bets only apply when the game is a Tie and you are betting on the value of the players and the bankers cards.
For example, if you placed a bet on Egalite 3 and both the players and the dealers cards totalled 3, your bet would win at odds of 200/1.
Egalite side bets are available at Playtech Baccarat tables.
Many online casinos now have a live casino section and the majority of these feature Live Baccarat.
The rules of Baccarat will remain the same across all standard tables but if you wish to place specific side bets, then you want to make sure that you’re playing at the correct table in terms of Evolution Gaming or Playtech.
Evolution Gaming Baccarat tables allow you to bet on Bonus Side Bets whereas Playtech Tables have the Egalite Side Bet option.
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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 • Bonus wins are capped at £500 • To withdraw bonus & related wins, wager 30 x (bonus amount) within 90 days • Wagering req. vary by game • This offer may not be combined with any other offer • Deposit balance is available for withdrawal at any time • General withdrawal restrictions & fT&Cs apply. #ad. begambleaware.org