Baccarat is a simple game of comparing cards. Whether you play play baccarat online, mobile baccarat, or live baccarat in land-based casinos, the game has the same rules. Players receive two cards to compare in each game of Baccarat, called a “coup”: the player’s card and the banker’s card. Each coup of Baccarat has three possible outcomes: a tie, a player win, and a banker win.

The simplicity of the game’s rules and outcomes has made it a staple of casino gaming, especially in Europe and Asia. Read this guide to baccarat before playing this popular table game online.

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How to Play Online Baccarat

Baccarat games generally use eight full decks of cards. Baccarat cards have the following values: Aces are worth 1, 2-9 cards are worth their number value. 10 and face cards are worth 0.

  1. When starting a new shoe of cards, the dealer turns over a card. This card determines how many cards are burned off the deck. Such cards are called the “soda”.
  2. Baccarat play starts with every player betting on the player, the banker, or a tie.
  3. Once these bets are on the table, the Baccarat dealer deals two cards to the player and two cards to the banker.
  4. The score of a hand is the digit on the right of the card total. Example: A player is dealt a 5 and a 9. The total of those two is 14, so the player’s overall score is 4. The other digit is dropped.
  5. Thus, all Baccarat scores are between 0 and 9. Unlike blackjack, Baccarat has no way of “busting.”

Baccarat Betting Options

If you compare the player bet to basic bets in craps (1.35% to 1.41%), you’ll still have better odds wagering on baccarat. Your best option is to wager on the banker bet anytime possible, but you don’t lose much if you decide to bet on the player bet. It’s easier to find baccarat online that allows you to place the banker bet without banking the game.

To get an advantageous house edge, you won’t need to employ basic strategy like you would in blackjack. That’s why baccarat traditionally has been in the roped-off section of Las Vegas casinos, because the odds are great. Even today, when you’ll find baccarat offered in other parts of the casino, many Vegas casinos don’t offer baccarat for less than $25 a hand ($10 and $15 a hand is found in some casinos).

 

baccarat table

Banker Bet - 1.06% House Edge

The banker bet’s house edge is 1.06%, which is the best return-to-player (98.94%) of any table game wager that doesn’t require strategy. You’ll play a 5% commission to the casino.

The banker bet’s house edge is 1.06%, which is the best return-to-player (98.94%) of any table game wager that doesn’t require strategy. You’ll play a 5% commission to the casino.

Baccarat

Player Bet - 1.24% House Edge

The player bet’s house edge is 1.24%, giving it the second-best return-to-player (98.76%) of any table game wager that doesn’t require strategy.

The player bet’s house edge is 1.24%, giving it the second-best return-to-player (98.76%) of any table game wager that doesn’t require strategy.

Baccarat Tie Bet

Tie Bet - 14.44% House Edge

The tie bet is not the same. Betting on the tie is a sucker bet in baccarat. The 14.44% house edge is one of the worst betting options in any casino, despite its 8:1 payout.

The tie bet is not the same. Betting on the tie is a sucker bet in baccarat. The 14.44% house edge is one of the worst betting options in any casino, despite its 8:1 payout.

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Alternate Baccarat Bets - Player Pair and Banker Pair

Some baccarat casinos online allow the Player Pair and Banker Pair side bets: a bet on receiving a perfect pair. These bets typically pay 10:1.

Some baccarat casinos online allow the Player Pair and Banker Pair side bets: a bet on receiving a perfect pair. These bets typically pay 10:1.

Online Baccarat Bettings Tips

Type of Bet House Edge Payout Baccarat Tip
Banker Bet 1.06% House Edge Pays Out 1:1 The Banker Bet has the best odds. Make this bet anytime.
Player Bet 1.24% House Edge Pays Out 1:1 The Player Bet has the 2nd best odds — it’s a good bet.
Tie Bet 14.44% House Edge Pays Out 7:1 or 8:1 The Tie Bet has terrible odds — it’s a sucker bet.

Baccarat Odds

There are only three bets in Baccarat, making strategy a simple matter of making the one wager with the best possible odds.

  • The player bet has a house an edge of 1.29%.
  • The banker bet, thanks to the 5% commission, has a house edge of 1.06%.
  • The player bet 14.36% edge.
  • The banker’s hand wins more often than any other bet in Baccarat. Don’t let the 5% commission scare you away.

Games like craps offer dozens of betting options, while Baccarat only offers three betting options. The 1.3% house edge is small enough that it makes Baccarat one of the best bets in the casino.

Baccarat has a reputation as the game of kings and high rollers. Its combination of easy rules and low house edge makes meant players often played it in a roped-off section of the casino. Online baccarat odds are equally low, but the hands play out faster than in real life, so online players face the house edge more times in a session.

 

Online Baccarat Rules

Online baccarat is similar to live punto banco played in US land-based casinos. Because a player doesn’t act as the banker, baccarat online is more comparable to mini-baccarat, where the house deals the cards.

For that reason, the game plays faster, so keep that in mind while playing baccarat online. Here’s what a typical hand of online baccarat looks like.

  • Online games use 8 decks of cards.
  • Each card has a point value. Aces have a value of 1. Number cards are valued at the number on them. Tens and face cards count as 0.
  • Each hand begins with each player betting on Player or Banker. Tie is a side bet. Certain games of baccarat online have other side bets.
  • The dealer deals two cards apiece to the Player and the Banker.
  • The sum of the two cards add up to the score. The maximum points in a hand is 9. Only the second digit in a number counts. A 5-card and 6-card would be worth 1 (not 11).
  • A third card might be dealt to either hand, depending on the score.
  • If the Player or Banker has an 8 or 9, it’s called a “natural” and both hands stands.
  • If neither side has a natural and the Player’s total is 5 or less, then the Player draws another card.
  • If the Player holds a 6 or 7, then the Banker receives a third card (if their total is 5 or less). The Banker stands on a 6 or 7.
  • The Player and the Banker bets push on a tie. Paying off online bets is handled automatically.

Baccarat’s Third Card Rules

Sometimes in Baccarat, a third card is dealt to either the player or the banker.

  1. If either the player or the banker totals 8 or 9 points, both players stand.
  2. If the player’s total is 5 or fewer, the player hits.
  3. If the player stands, the banker must hit on any total of 5 or less. If the player hits, the banker either hits or stands depending on their score.

All winning bets on the banker pay 19 to 20 (which is an even-money bet minus a 5% vig) while winning bets on the player pay even money. Winning bets on ties pay off 8 to 1, the best pay off. Baccarat players don’t pay the vig to the banker for each win. The player earns the even money and pays the commission to the dealer at the end of the game. These commission dollars are marked with special markers.

Baccarat Variants

Baccarat terminology can be confusing, because so many terms derive from French. Terms refer to a baccarat variant, so they’re easy to learn.

Here’s a quick guide to baccarat variations.

  • Big Table BaccaratLas Vegas Strip baccarat. A player acts as the banker and covers all bets (acts as the house). You can pass if you don’t want to cover bets.
  • Mini Baccarat – The casino house provides a dealer and acts as the bank. It has the same house edge, but the hands play faster because a trained dealer deals cards.
  • Midi Baccarat – Similar to Mini Baccarat, but it has a bigger table. Usually found in the high stakes room.
  • Punto Banco – Means “Player Banker”. This is baccarat played in North America and in most online casinos.
  • Chemin de Fer – Played in European land-based casinos, it has elements of strategy. Not found in most online casinos.
  • Mobile Baccarat – You use your Android phone or iPhone to play baccarat on the go.
  • Live Baccarat – Punto Banco dealt by a real life dealer in a casino studio. Variants include Dragon Tail and Super 6 Baccarat.

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