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In a few words, baccarat can be described as a simplistic, easy-to-play card comparing game. It carries a certain level of elegance and prestige that other casino games do not have and plays a more stealth approach at online casinos than standard table games or slots. You won’t find a baccarat game flaunting its banners on the front page of the casino website. It will make its grand appearance in the site’s subcategory pages and sweep you off your feet.

Baccarat’s origin remains unclear, yet the game is deemed one of the oldest card games still around. It is speculated that it was invented in the Middle Ages, with a first written record of a game similar to baccarat being from the 19th century. Numerous presumptions place origins of baccarat in Ancient Rome, others in ancient Asia, but history seems to agree on soldiers indulging in early versions of baccarat during the Franco-Italian War. The game was adopted by the nobility and renamed to Chemin de Fer (French expression for “railroad”). The proximity of Great Britain allowed British aristocracy to become baccarat fans – Victorian England loved baccarat. The game was an exclusive offering in prestigious venues such as Crockford’s Club in London and even the Queen’s court. When baccarat came to the Americas, it first arrived in Argentina and then Cuba, where it got the name Punto Banco.

During the mid-20th century, baccarat had a formal image and wasn’t as popular as games like craps or blackjack.  Its fame grew in Asia though, and to this day most online baccarat games have an Asian feel, especially if they are produced for the live dealer sector. When baccarat hit the online casino floor, it became a hit. For many players, this was the opportunity to play a game they wouldn’t normally found in their surroundings – not everyone lives close to Macau.

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In popular culture, the novelist Ian Fleming and his notorious character agent James Bond contributed a lot to the popularisation of baccarat. Bond loves to play Chemin de Fer and the entire plot of Casino Royale revolves around a game of baccarat between Bond and Le Chiffre. Typically, online baccarat games are played with 8 decks of cards. Aces are worth 1, 2-9 cards are worth their face value, whereas 10s and J, Q and K cards are worth 0. Cards are dealt from a shoe and the round starts with each participant betting on the Banker, Player or Tie.

With the bets on the table, the dealer deals two cards to the Banker and two to the Player. The cards score is calculated and compared. Higher score wins. All scores in baccarat go from 0 to 9 because if the hand total is, for example, 16, the value is 6 (the first digit is dropped). Depending on the baccarat variant, there can be a Third Card Rule option or side bets involved. Most version charge a 5% commission on the Banker bet.

At the moment, the variation of Baccarat most likely to be found in online casinos is Punto Banco, considered to be the cleanest form of Baccarat. Other known variants are Baccarat Chemin de Fer, played at a slightly faster pace than Punto Banco, and Baccarat Banque, where a player takes on the role of both the dealer and the banker at the same time. The best games online for Baccarat players can be found below.

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Bet on Dragon Tiger logo big i
playtech bet on dragon tiger


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Minimum Bet: 1.00
Maximum Bet: 1000
RTP: 96.00%
Max Payouts: Varies
Sidebets: Yes
Rating: 90%
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playtech bet on baccarat


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Minimum Bet: 0.50
Maximum Bet: 2500
RTP: 97.00%
Max Payouts: Varies
Sidebets: Yes
Rating: 92%
Play for Real
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vivo gaming live baccarat

VIVO Gaming

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Minimum Bet: 0.10
Maximum Bet: 250
RTP: 98.94%
Max Payouts: 30:1
Sidebets: Yes
Rating: 89%
Play for Real
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visionary igaming live baccarat

Visionary iGaming

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Minimum Bet: 1.00
Maximum Bet: 500
RTP: 98.94%
Max Payouts: 30:1
Sidebets: Yes
Rating: 87%
Play for Real


Sooner or later, you will be facing the challenge of playing baccarat online for real money. As much as it sounds scary, it doesn’t have to be at all. Feel free to give yourself enough time to practice baccarat for free and play selected games in demo mode just to get some valuable experience out of these practice play rounds. Once you’re ready, let yourself enjoy wagering real cash for a chance to win real cash in return playing the best baccarat casino games online, whether they are automated RNG versions or live dealer ones.

What’s great about online baccarat for real money is the wide range of betting limits. In land-based casinos, baccarat is usually reserved for high-stakes tables not many players can afford. In web-based casinos, there are all sorts of baccarat suitable for both low-limit players and high rollers.

Proper bankroll management can make you an excellent online baccarat player, since this card game requires little knowledge and much simpler strategic actions than with poker. Ultimately, you can benefit from bonuses only if you place real money bets at online casinos, as you surely know by now. Although baccarat games aren’t the typical target for casino bonuses, there are welcome offers to look forward to and occasional match deposit bonuses, as well.


Online Baccarat is usually played with 8 decks and the game begins when the dealer removes a certain number of cards from the shoe and then places the drawn cards onto the Player and Banker betting fields. The third option is Tie, or betting that the Player and Banker hands will have equal totals; although this type of bet comes with the highest payout ratio, most of the players will avoid it due to improbability and low winning potential.

Side bets are frequent in Baccarat and the players can also wager on Player Pair, Banker Pair, Either Pair, Player Bonus and Banker Bonus.  Payout rates are extremely high for side bets winnings and can go up to 200:1 for Perfect pair win.

Common Baccarat Strategy

With the game as unpredictable as Baccarat, the only reliable strategy that a player can employ is planning your budget and sticking to it. More experienced gamblers often recommend Fibonacci and Paroli systems (methods applicable to a wide range of table and card games), also known as positive and negative approaches to betting. Fibonacci, as a representative of a negative progression tactics prompts the player to increase the bet (in the amount of two previous hands added together) after every lost hand.

If the player opts for Paroli system, the bets will positively progress after every winning hand, up until the first loss. Both of the systems can be reversed and betting amounts decreased as the game progresses.


As you can see, there are plenty of different versions of baccarat on the web, even though this is a simple game and hasn’t really gone through many changes over time. But, the creativity of casino software suppliers knows no limits and even the most subtle of additions can make a standard game refreshing and worth experiencing. Here are some of the most popular types of baccarat played online. Most can be accessed in demo mode and played for fun, whereas live dealer formats are usually played for real money only.


Baccarat Gold comes from Microgaming and it is played with 8 decks of cards. It is a more sophisticated version of Microgaming’s classic baccarat RNG game, with graphics being more polished and added features such as squeezing, flipping and rotating cards. Overall, the version is more interactive than the standard one. The results of previous hands are available for review and there is a 5% commission on all winning banker bets.

Baccarat Gold from Microgaming


High Limit Baccarat is also brought to you by Microgaming, with little changes made to the game structure and rules. However, in this game you are allowed to make notably high wagers – up to 500 credits. As per usual, 8 decks are used for play and a 5% commission is charged on banker wagers. Tie pays 8:1 and the player hits on a total of 5 or less.

Baccarat High Limits from Microgaming


Live Speed Baccarat focuses on the tempo of baccarat rounds. In a luxurious red and gold Evolution studio, super-fast rounds are taking place with the assistance of competent, friendly dealers. A standard baccarat round would normally take around 48 seconds; in Live Speed Baccarat the entire round is complete in record time – just 27 seconds of pure suspense.

Live Speed Baccarat from Evolution Gaming


Live Baccarat Control Squeeze is produced by Evolution Gaming and permits players to control the squeeze themselves. The game is captured by several different cameras so you won’t miss a single detail that goes on across the table, and the “Peel to Reveal” option makes the game more immersive. If you want to experience Macau baccarat, this is the game to try.

Live Baccarat Control Squeeze from Evolotion Gaming


Baccarat Pro is developed by NetEnt, and it is one of the provider’s premium table game titles. You can find Baccarat Professional Series offering low limit, standard and high-limit tables, covering all player types. What’s notable about this particular version is that it delivers a 2:1 payout for all winning banker/player bets and a 9:1 payout for winning tie bets.

Baccarat Pro from NetEnt


Mobile Baccarat for Real Money

Baccarat is one of the games that does not lend itself to mobile gaming quite in the same way that slots do, or video poker machines. The table layout of baccarat, if not done properly, can appear somewhat inelegant when translated into a smartphone or tablet-size display. However, this has changed for the better in recent years and you will have no problems finding a good online baccarat game to play on your iPhone or Android gadget.

The majority of reputable casinos nowadays run mobile software platforms which house loads of slots, but also a decent number of table games, including baccarat. In other words, your favourite baccarat game is at your fingertips and you have the ability to access it in no time. To do this, you just need to load the game from your mobile browser, while having previously logged into your online casino account, or launch the app that you have installed earlier on your handheld device. When it comes to playing at mobile-capable websites and apps, here’s something you should keep in mind.

Top Mobile Gaming Tips

  • Ask yourself if you are an app or mobile site player. This is a matter of personal preference. That being said, apps are usually deemed as more stable platforms to play on, offering smooth gameplay and a mobile-dedicated interface that is easier to navigate than a mobile version of a casino site. On the other hand, websites may sometimes offer a larger game library and they do come with instant access, no download required. Bottom line – shop around for both and see what suits you best.
  • If you are planning on playing baccarat on mobile for real money, make sure that the casino you’re going for has convenient mobile-friendly payment methods.
  • Baccarat or no baccarat, the general rule of mobile gambling is making sure that your internet connection is safe, secure and stable. Only connect your device to internet networks that are proven and protected. Also, it is not a good idea to use mobile data for baccarat bets. You are likely to lose track of time and rack up a mobile service bill you wouldn’t want to deal with.
  • Should we say this? Charge your phone! Don’t be the mobile gambler that forfeits the round because the battery on the phone is running low.
  • If you’re trying to play on the go, but social media notifications are getting in the way, tweak the setting to allow only really important notifications to come up while you’re wagering on baccarat. You can even do the same for incoming messages and calls, based on their relevance and level of urgency.
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See? You didn’t need to trouble yourself day in, day out with the question – what are the best baccarat casino sites? All you had to do is pay your old gambling pal Casino Bloke a visit and check out his latest top baccarat casino list. Not only did the Bloke list the best websites, but also pointed out to some of the current baccarat bonuses online and some of the best baccarat games to have fun with. It is certainly enough to get a buzz out of!

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Most common questions related to online baccarat


Baccarat is one of the easiest table games to learn. In terms of strategy, as well. The choice of bets is limited so there isn’t much to brainstorm here. Tie is obviously not a favourable bet, and out of banker/player duo, most players would agree that the banker is most likely to win. If you bet on the banker, the house edge can come down to 1.06%, which is better than the player bet (1.24% house edge).

Most software developers have created their versions of baccarat for online casinos. We haven’t, as of yet, found a game of baccarat that is so bad that is unplayable, so whichever provider you chose, you ought to experience an enjoyable time. We’d recommend Playtech and Microgaming above others, and Evolution Gaming for live dealer baccarat.

This is a sum of money that must be paid to the casino if you want to qualify to bet on the banker. Typically, the commission is worth 5% of the bet. Since the banker bet is considered more likely to win, the casino charges 5% commission on the baccarat payout for all cash won through this wager. There are no commission baccarat options out there, but the house edge then increases.

No, baccarat is not nearly as skill-based as blackjack or poker. This card-comparing game is based on luck and the only choice you make is what you bet on at the very beginning of a round. Some players like to track if any patterns appear, but their appliance into future actions isn’t quite verified as a proper strategy.