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How to Play Baccarat: Baccarat Beginners Guide

  • ♠️ Have you always wanted to learn how to play Baccarat?

  • ♠️ Want to leave your friends in awe with your Baccarat expertise?

  • ♠️ Are you looking to improve your Baccarat win rate at online casinos?


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The most popular variants of baccarat online


Punto Banco

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In this common version of online baccarat, players bet against the banker, aiming to get as close to nine as possible without exceeding it. Bets are placed on the player, banker, or tie outcome. Eight decks are used, and players can draw an extra card if needed. Punto bets pay 1:1, banco wins pay 95:100 with a 5% house edge, and tie bets pay 8:1.


Chemin De Fer

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In this version, players bet against each other, with one player and the banker receiving two cards each. Players rotate as the banker, taking turns counterclockwise around the table. A winning player bet pays out 1:1. If the banker wins, they collect all losing bets and the game continues. There is a 5% house edge on a banker hand win.


Baccarat Banque

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​​In Baccarat Banque, players bet against the banker, with the casino always involved. Played with three decks, players and the banker receive two cards each, or in Deux Tableaux, three two-card hands are dealt. Additional cards can be drawn if needed. Typical pay outs include 1:1 for a winning player hand and 19:20 for a winning banker hand, with a 5% house edge.


Mini Baccarat

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Mini baccarat is a quicker version of the full game, with no drawing or standing. Players bet on the player, banker, or tie. The dealer handles card shuffling, and the game has lower stakes, making it more accessible. A winning player hand pays 1:1, while a winning banker bet pays 95:100 with a 5% house edge. Tie bets pay 8:1.


3-Card Baccarat

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In this fast-paced game using a single deck, players aim for the highest hand score, with no limit on reaching nine. Each player and banker receives three cards with no option for additional cards. Some casinos deduct 10 from scores exceeding nine. A winning player bet pays 97:100 (3% house edge), while a winning tie bet pays 25:1. Additional bets on the dealer's point total, if correct, pay out 8:1.


European Baccarat

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In this version, players can choose to stand or draw a card if their hand value is five. The banker can also draw a third card at any time. If one player covers the banker's funds, others cannot bet in that round. Winning player or banker hands pay 1:1, with a 5% house edge on banker payouts. Tie bets pay 8:1.



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In Macao, players compete against the banker to get a hand close to nine in two or three cards. Unlike punto banco, players can only bet on the player hand winning. If a player's score exceeds nine, they bust and leave the game. Played with two decks of cards, players rotate as the banker clockwise. A natural nine pays 3:1, a natural eight pays 2:1, and other winning hands pay 1:1.


Dragon Tiger

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This simplified version of baccarat, known as Dragon Tiger, features a single card dealt to each player (dragon and tiger). Players bet on which card will have the higher value or on a tie. Additional side bets, like a suited tie, are also available. A winning bet pays 1:1 with a 3.73% house edge, while tie bets pay 8:1 with a high 32.77% house edge.

How To Play Baccarat

Before diving into online baccarat at a real money casino, understanding the rules is crucial. Here's a brief overview:

✅ Choose a baccarat casino and your preferred game.
✅ Place a bet on either the player or banker side.
✅ Two cards are dealt to both the player and banker.
✅ If either hand totals eight or nine, no further cards are dealt.
✅ If a hand totals 0-5, a third card may be dealt.
✅ The winning hand is the one closest to nine.

Baccarat Rules

Online baccarat aims to achieve a hand closest to nine, beating the banker's hand. Key basics include:

✅ Typically played with 6 or 8 decks.
✅ Cards 2-9 hold their face value.
✅ Aces count as 1, while 10, J, Q, K count as 0.
✅ Suit values are irrelevant.
✅ If the score exceeds nine, the first digit is dropped.

Betting Options In Baccarat

In online baccarat, you have three betting options: Player, Bank, and Tie. Notably, baccarat boasts the lowest house edge among table games, representing the casino's advantage and long-term profit.

Bet type











8:1 or 9:1

House Edge




How We Rate The Best Online Baccarat Casinos

At, our reviewers, who are avid players themselves, utilize their expertise to meticulously evaluate online baccarat casinos. We assess various crucial factors, including the range of baccarat games available, to determine whether a casino is worth recommending.

✅Security & fairness

We prioritize the safety of your funds and personal information in online gambling. Our checks include verifying that casinos employ security protocols like SSL encryption to safeguard your data and ensuring they hold valid licenses. We also look for evidence of third-party audits to guarantee fair gaming.

✅Bonus & Rewards

Bonuses are an excellent method to boost your bankroll, and they should be accessible at reputable online baccarat casinos. Additionally, expect frequent promotions and the possibility of joining a VIP club, which often provides exclusive rewards to loyal players.

✅Quality Games & Software

A top-tier online baccarat casino should offer a diverse range of game variants and live dealer options. Additionally, a rich selection of other table games and slots, sourced from leading casino software developers, is essential for achieving a top rating.

✅Mobile Options

Accessing baccarat games on mobile devices should be effortless, given the widespread popularity of mobile casino gaming. Casinos must ensure their websites are optimized for seamless performance across all screen sizes. Offering a downloadable app enhances the player experience further.

✅Customer Service

Top-tier casinos prioritize addressing players' needs by providing exceptional customer service accessible to players globally through various channels.

✅Banking And Payouts

The availability of diverse banking options and swift processing of deposits and withdrawals are critical considerations when selecting an online baccarat casino. A broad range of options for managing funds ensures convenience and efficiency for players.

The Best Online Baccarat Strategies


The Martingale system, a popular betting strategy in baccarat, involves doubling your wager after each loss and returning to the minimum bet after a win. The underlying idea is that consecutive wins will eventually cover all previous losses and generate a profit.


However, it's important to note that this approach requires a substantial bankroll to sustain doubling bets and may not be feasible for every player. Additionally, players should be mindful of betting limits imposed by baccarat games, as they could prevent the strategy from fully compensating for accumulated losses.


In the Labouchere baccarat system, players set a target winning amount and create a numerical sequence to guide their bets. Each number in the sequence corresponds to the amount wagered in each hand, with the aim of achieving short-term profits and reaching the desired goal.

For instance, if the target is to win $50, a sequence like 8, 9, 10, 11, 12 could be used. To place a bet, the first and last numbers are added together. For example, 8 + 12 would make the initial bet $20. If this bet wins, the outer numbers are crossed off the list, and the next numbers in the sequence are used. However, if the bet loses, the amount is added to the sequence, and the next bet increases accordingly.

Similar to the Martingale system, the Labouchere strategy involves increasing bets after losses. It's important to consider the financial implications of this approach before implementing it.

✅One Sided

The one-sided baccarat strategy is straightforward: consistently bet on either the player or banker. The goal is to capitalize on the fluctuations of advantageous hands that one side may experience over time.

This strategy aims to break even over the course of the game and potentially generate profit when the chosen side receives favorable hands. It relies on following the subtle shifts in statistical advantage that both the player and banker will have. It's advisable to set a target for desired winnings to determine when to conclude the gaming session.


The 1-3-2-6 strategy in baccarat involves a sequence of numbers dictating bet sizes, advancing with each winning bet and resetting after a loss. Its aim is to capitalize on short winning streaks while mitigating losses, though initial losses may occur if the first two bets are unsuccessful.


The 1-3-2-4 baccarat strategy is akin to the 1-3-2-6 approach but without the high 6x bet. It involves escalating bets after each win and returning to the original stake after a loss. Each number represents the multiplier for the stake increase after a win, starting from 1x and culminating in a 4x increase before restarting the sequence.


The baccarat Paroli strategy is a positive betting system where you double your bet after each win. The sequence is 1-2-4, and after a loss, you return to the initial bet. It's prudent to halt doubling after the third bet to avoid potential losses if your winning streak ends. Simply restart the sequence afterward.


To implement the Fibonacci baccarat strategy, your bet size follows the Fibonacci sequence (1, 1, 2, 3, 5, 8, 13, 21, 34, 55, 89), where each number is the sum of the previous two. You progress through the sequence in each hand of baccarat. After a loss, you move up in the sequence; after a win, you regress two numbers. Remember, this strategy entails increasing bets after losses, requiring a substantial bankroll to sustain.


The d’Alembert system involves increasing bets by one unit after a loss and decreasing by one unit after a win. To apply it to baccarat, determine the value of one unit for your bets and follow the rule accordingly.

For instance, if your unit is $10, the sequence might look like this:

1. Bet $10 and lose
2. Bet $20 and lose
3. Bet $30 and win
4. Bet $20 and lose
5. Bet $30 and lose
6. Bet $40 and win

Remember, this strategy entails increasing bets after losses, so ensure your bankroll can accommodate this pattern.

Online Baccarat FAQ

💬What is Baccarat?

Baccarat, a card game played in casinos, involves two hands—the player and the banker—vying to reach the closest to nine. Despite common misconceptions, it's one of the simplest card games for beginners. Comparable to blackjack, baccarat entails dealing two cards to both the player and the banker.

💬What’s the goal of baccarat?

In baccarat, the goal is to get a hand as close to nine as possible, surpassing the banker's hand. If a hand exceeds nine, its first digit is dropped. Betting options include the player, banker, or a tie.

💬What baccarat variations are available?

Popular baccarat variations at online casinos include punto banco, chemin de fer, baccarat banque, and mini baccarat. Many of these variants are available to play online with live dealers, offering slight rule variations while maintaining the same objective.

💬What are the odds of winning at baccarat?

Baccarat offers nearly 50/50 odds of winning, with the player hand winning around 44.62% of the time and the banker's hand winning about 45.85%. The average payout percentage is approximately 98%, providing players with favorable odds against the house. Bets on the banker or player have the highest chance of success, while bets on a tie are less likely to win despite offering a higher payout.

💬Is baccarat a game of skill?

Baccarat is purely luck-based, with the only decision being which hand to bet on. Whether you choose the player or dealer hand, each round presents a fair opportunity to win.

💬What is the best baccarat bet?

Opting for the banker hand is the most secure baccarat wager. It boasts higher winning odds and a superior return to player rate. However, it's important to note that despite its edge, bets on the banker entail a commission on the winnings.

💬Is it possible to count cards in Baccarat?

Indeed, card counting in baccarat is feasible, yet challenging to gain a significant advantage over the house. Any potential benefit is usually marginal and only noticeable toward the end of the shoe. Moreover, online baccarat games employ Random Number Generators (RNG), nullifying any possibility of card counting.

💬Are online Baccarat games rigged?

No, reputable casinos, like those we endorse, utilize random number generators (RNGs) to deal cards. To ensure fairness, seek seals of approval from independent auditors like eCOGRA. House edge information is typically available on the casino's website prior to gameplay for transparency.

💬How does no commission Baccarat work?

In no-commission baccarat, the typical 5% house edge on winning banker hand bets is eliminated. However, the casino compensates by taking a 50% cut on any winning banker hand with a score of six, happening roughly every 19 hands.

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