Online Baccarat Guide – How to Play and Win

Baccarat is the number one casino game in the world and is now available to play online for free or for real money with exciting payouts. You can make an advantageous bet, such as the Banker or the Player, or you can have even more fun with fantastic side bets like Perfect Pair. Here, you will find an exclusive guide to playing online baccarat, learn how to play, find the top baccarat casino sites, and get quick strategies for beating the house.

Table of Contents

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Online Baccarat for Real Money vs. Free Baccarat 

Each player is different and has various needs. If you are looking for a way to practice your skills without spending a dime, the best casino game for you is free baccarat. But playing baccarat online for real money or live baccarat online is still the best way to experience the rush of winning money. Now, let’s compare the two of them to determine which one is the best option for you:

Free Online Baccarat Real Money Online Baccarat
Learn Third Card Rules without any riskPlay baccarat for as little as 0.50
Play games at home whenever you wantEligible for a sign-up bonus in real money
Spend hours playing after building up a bankroll with play creditsEarn real money to use on other games
Test any betting strategy with no riskDecide your budget and play for low or high stakes
No obligation to sign up for a loyalty programAvoid traveling to a land-based casino
You’ll get comfortable with the platformVerified shuffles and random number generators

How to Play Online Baccarat

Even though there might be several bettors in an online baccarat NJ game, only one player and the dealer participate in the actual game. In baccarat, the primary objective is to have the hand that is closest to nine out of the two cards dealt to the player and the dealer. But, in order to win actual money when playing online baccarat, players must bet money on one of three outcomes: the player winning, the dealer winning, or a tie. The majority of the game’s work is handled by the dealer, leaving players to concentrate on their baccarat strategy. You can use the following rules to play both online baccarat and offline:

Decide your bet

The first thing to do is choose who to bet on – the Player (known as punto), the Banker (banco), or a tie. After this, the two cards are dealt face up and that’s that, you don’t have any more decisions to make. Winnings are divided and the hand is over if one of the players has an 8 or a 9, the closest to 9 wins. That is called a natural hand. In case of a tie, naturally, tie bets win. But if nobody has a natural hand or a tie, the player’s hand decides the next move of the game. If the player has a value of 6 or 7, he stands. If the value is equal to or less than 5, he gets another card to finish the hand. 

A third card is potentially drawn

Sometimes, it gets a bit complicated, when the dealer draws the third card, depending on the cards the banker received in the beginning. In case the dealer has 7, 8, or 9 points, he stands. If he’s got 6, and the player’s third card was 6-7, he takes another card. The same thing happens when the value of his cards is 5 (and the player’s card was 4-7), when he has a 4 (and the player got a third card of 2-7 value), or the value of his cards is 3 (the player’s third card was any value except for 8). If the dealer has 0-2, he takes another card, regardless of the player’s possible third card. So after doing a little bit of math, the game round of online baccarat comes to an end. Now, what might make you feel comfortable about your baccarat casino game is a strong betting online baccarat strategy.

Online Baccarat Betting Options

One of the few ways players have the possibility to influence the results of real money baccarat games online is betting. Common bets and side bets are the two main categories of bets that can be made in this game. Each session requires a wager, which can be placed on the banker, a player, or a tie. Even though most side bets offer larger payouts than standard bets, they are optional, have a bigger house advantage, and are less likely to win. 

The baccarat table can also have a big impact on how much money is gambled. Your bankroll won’t last as long at smaller tables because the game tends to move faster there. When playing at online baccarat tables with high bet limits, players also run the risk of losing their entire bankroll in a short period of time.

Best Baccarat Bets 

There are many baccarat bets for you to try in your online casino baccarat games. It is important to know the most advantageous bets for you, as the game action mainly depends on it. There are three basic bets – Banker Bet, Player Bet and It’s a Tie! Now, let’s analyze each one of the bets, so you can make informed wagers, choose a baccarat bet with good payouts, a low house edge, and decent odds of landing:

Understand the Baccarat Terminology

If you want to become a better player at baccarat online, you should know more than the rules of the game – we’re talking about the baccarat terminology. Even though English might be your native language, you could feel a little confused when it comes to baccarat slang. That being said, let’s go through the explanations of the terms and casino slang you need to know before you start playing online baccarat.

Term   Definition
BankrollThe total amount of money a player has set aside for gambling purposes at any given time. One essential part of a successful baccarat strategy is effective bankroll management
BancoAbbreviation for the Bank or the House. Also describes a bet placed on the Banco hand, which is the hand that the dealer always  places a bet 
BurnThe number of cards you need to burn is whatever is written on that card. If the card is a 4, for instance, you would lay out four cards in a row, face down, wait for the camera to prove it, and then burn all five cards
CallmanA term used to describe the dealer, who is the casino staff member who “calls” the game of baccarat
CommissionA fee that must be paid to the casino in order to place a Banco bet. It is usually worth 5% of the wager, but it occasionally drops to 4% (rounding favoring the house). To avoid paying more due to rounding, make sure that 5% of the value of your Banco bet can be paid using casino chip denominations
Down CardShorthand term for a card that is facing down
Face CardA group of card games that consists of Kings, Queens, and Jacks. In baccarat, these cards are completely useless along with the tens
La GrandeThis French term refers to a natural hand worth nine. As opposed to its smaller counterpart, which is worth eight, it means “the big one” in English
La PetiteThis French term refers to a natural hand worth eight. In English, it means “The small one,” as opposed to its larger counterpart, which is worth nine
NaturalDescribes a two-card baccarat hand that can be worth eight or nine. If only one of the two hands is dealt as a natural, the round ends and that hand is automatically declared the winner
PuntoThe Player. The baccarat hand that is positioned opposite of the Banco hand is also referred to by this term. Due to its higher house edge, betting on Punto is not recommended
ShoeThis is the box where the decks of playing cards used in the game of baccarat are kept
StandoffThis happens when two hands are of equal value. Moreover, it can also describe the Standoff wager, where a player can bet that the hands will tie. This wager pays either eight to one or nine to one.
Up CardTerm used to describe a card which is facing up

What are the Best Online Baccarat Strategies?

Every respectable online baccarat casino is paying attention to details that can attract more players. Some of these are different versions of online baccarat NJ, bonuses, offers along the way, high jackpots, and live baccarat online. But to win, a well-developed baccarat strategy always comes in handy. First of all, if you’re a beginner, play baccarat online for free, at least till you learn the ropes. And that’s quite an easy and enjoyable thing to do, given that every baccarat casino online has in store a demo version of the game. Just follow the standard baccarat rules and use your free credits to also test a potential winning baccarat strategy.

Positive Progression

One less damaging baccarat online strategy is the positive progression system. By using it, you increase your bet every time you win and you reduce it whenever you lose. Whenever you suffer consecutive losses, you protect your bankroll and at the same time, you get to maximize your winnings. This is in contrast to the way that negative progressive systems work.

Negative Progression

The opposite of positive progression, this online baccarat strategy is quite risky and it can seriously harm your bankroll. However, it remains one of the most tempting strategies. The idea is to raise your bet after every loss, making sure you win big when you eventually get lucky. But then, you need to reduce the bet after a winning one. We strongly recommend you to have a fixed bankroll before you even start playing online baccarat using this manner. 

Flat Betting Online Baccarat Strategy 

This is the safe strategy to play online Baccarat. Precisely, this betting strategy means placing the same bet in successive rounds of play, not changing it when you win or lose. This way, you can only focus on getting the winning chances of the Player/Banker right. If you’re looking for impressive winnings, maybe this online baccarat strategy is not for you. In fact, flat betting offers higher, less risky chances to make a profit, due to the lack of overspending. 

Counting Cards in Baccarat Online

A very successful way when it comes to this casino game is the counting cards method. But this baccarat strategy is not as popular as you’d think, especially when playing baccarat online. Besides the fact that’s seen as a frowned-upon practice, in the world of online casinos, it’s not pretty common. It’s complicated, takes a long time, and eventually, it’s almost useless due to the RNG system used by their platform. 

The Martingale Strategy

This is one of the most popular roulette strategies in the world, but it can also be used to increase your chances of winning at Baccarat Online. So, what you need to do for it is you need to double the size of your bet after a loss and then reset to the initial stake after you win. Therefore, if you make a $10 bet and you lose, you should bet $20 next. Another loss means you need to bet $40 next. If you win the $40 bet you should bet again for $40. Through this strategy, you will cover your first two lost bets while also making a $10 profit.

When playing this strategy in Baccarat Online, you should start with a bet of 2% of the total sum. This is because the more you lose, the harder it’ll be to keep up with the increase. Start small and you will eventually cover your losses.

The D’Alembert Strategy

While the D’Alembert strategy is a bit harder to understand and enact, it is a bit more forgiving when it comes to losing streaks too.

First of all, you need to establish a betting unit. This should be around 1% of your current budget. The first bet here will consist of five betting units, and the more you lose, you add one unit to the betting max. Do not increase it if you win a round, only ever decrease it if you’re on the winning side.

Second of all, if you have a budget of $500, every unit should be $5 and your initial bet should be $25. After each loss, you add $5, so in the second round, you will bet $30, then $35 on the third. If you win afterward, you can bet $30 instead of $35. Both the banker and the player win like this, which is why the D’Alembert strategy is one of the most soundproof strategies on the market.

How Does Online Live Baccarat Work?

Live Online Baccarat is the same game and has the same rules as regular online baccarat, with a few fun exceptions. The game itself is played against the dealer with 8 shuffled decks of cards, but the fundamental rules remain the same. In order to predict which hand will be equal to or closest to 9, players can place bets on the Banker’s hand, the Player’s hand, or a Tie hand. You’ll either win, lose, or tie, depending on how the deal turns out.

From an elegant studio where the action is being streamed live, the dealers are shuffling and dealing the cards. To ensure that players can see every aspect of the game in real-time, several camera angles are set up. This also enhances the player’s experience, as it brings the on-land feel to your home. Additionally, dealers have lapel mics so they can answer the questions and offer real-time feedback on your gameplay. 

The Live Chat Feature

Through the live chat feature, players can communicate with each other and the dealer at any time during the game. Moreover, each table’s running stats are shown at the bottom of the screen, where wins are presented and players can keep track of their win percentage, losses, and bets placed. Each table has a distinct RTP, that is usually displayed on the information bar for each table.

Because online baccarat live is entirely digital, seats are unlimited, and timers for live sessions are displayed on the homepage of the live dealer suite. The main advantage of playing live baccarat is that you can mix and match your preferred playing styles. Choose your preferred table limits, favorite dealer, and playing partners. Therefore, you can achieve all of this in real-time with the least amount of hassle.

Online Baccarat Odds and Payouts

Even though live baccarat online casino odds and payouts are different from table to table, generally speaking, the odds for betting on the Banker and the Player are very similar. Moreover, there is a significant house advantage when betting on ties, but if you’re feeling lucky, you could try doing so in the hopes of winning an 8:1 payout. 

Bet OddsPayout House Edge 
Banker Bet    45.86%   1:1   1.06%
Player Bet44.62%1:11.24%
Tie Bet 9.52% 8:114.36%

Baccarat Online Live House Edge

As presented in the table above, the house edge for a baccarat live online game is approximately 1:20. The maximum payouts that can be earned in a single session should also be displayed on the game’s home screen. Moreover, we advise you to do your research before playing and make sure your house edge is never higher than it should be. 

The Tie is by far the riskiest bet on a live baccarat table, or any variation for that matter. The Tie has excellent payouts, but it’s difficult to get and difficult to predict. However, you might do well to place bets on the Tie if you’re hoping to play a brief but exciting few hands. Avoid the Tie and save your bets for Banker/Player if you want to stay at the table for longer sessions.

Best Live Baccarat Online Games for Real Money 

You may be able to find a decent selection of online baccarat variants to bet on, depending on where you go. These games follow the same rules as standard baccarat, with a few extra features and side bets. All of the games listed below can also be played for real money, and depending on the platform, some of them may even offer live baccarat variations. The most well-liked baccarat ripoffs are:

Punto Banco

This variant of baccarat that is most frequently played can be found in live casinos all over the world. Similar to traditional baccarat, Punto Banco is played against the dealer with the objective of placing bets on one of two sides (Banker vs. Player) in the pursuit of a hand ranking that is as close to, if not exactly equal to nine.

Multi-Seat Baccarat

Multi-seat baccarat refers to the number of seats available to players at a live baccarat table and is more of a table preference than a specific gaming style. A baccarat live casino table with multiple seats typically has eight different seats. The extra seats create a fun and engaging environment where players can place bets and compete against a single dealer.

Baccarat Squeeze

Baccarat Squeeze is also a variation of the traditional game of Baccarat. This version is played with eight decks of cards and the dealer, just like other baccarat variants. The way the cards are dealt is the only difference. In Live Baccarat Squeeze, the dealer deals the cards face down rather than face up. Moreover, when nominated, players can reveal the card values as opposed to the dealer.

Speed Baccarat

The classic live dealer baccarat game is already played at a fast paced tempo. However,  if you’re looking for action-packed, thrilling gameplay, you can never go wrong with this variant. Speed Baccarat, which was first created by Evolution Gaming, has a 10-second betting period and ultimately faster gameplay. However, this live baccarat variation offers players the chance to participate in more hands and win more over a shorter playing period.

Progressive Baccarat

This type of baccarat is a fantastic game if you are looking to tap into some considerable jackpots.Similar to regular blackjack, progressive baccarat works by taking a portion of each bet and building it up into a huge jackpot over time. Moreover, live baccarat players have the potential to win up to 20,000 times their initial bet in a single sitting, depending on when the most recent progressive jackpot was won.

Mini Baccarat

You can play live baccarat online without spending a lot of cash with this smaller, lower-stakes variation of traditional Punto Banco. In this mini baccarat version, the dealer shuffles the cards only to be reshuffled and placed in a shoe. However, this variant differs from the standard baccarat game: the table is smaller, players are not permitted to pick up their cards, and the stakes are considerably lower.

Best Baccarat Online Apps

You can enjoy your favorite baccarat games without going to a physical casino. No matter where you are, you have the possibility to win real money using baccarat online apps for both android and iOS devices. Based on their game selection, bonuses and promotions, payouts, compatibility, and security, we’ve made a list of the top five baccarat apps available in New Jersey:

888 Casino Online Baccarat App

For iOS devices, users can download the 888 mobile casino app from the Apple App Store. When it comes to Google Play Store, you must download the .apk file before accessing the app. Additionally, compatible mobile and tablet devices’ web browsers can access it directly. 888casino offers players a wide selection of live dealer baccarat games, one of the biggest online. This casino app differs from the competition in that baccarat games can be used to satisfy a player’s bonus rollover requirement.

DraftKings Online Baccarat App

Both iOS and Android users can download the dedicated app for DraftKings Casino NJ. Beside baccarat, you can play NJ online slots, NJ online blackjack, online roulette, and NJ live casino games whenever you want from the comfort of your home with the DraftKings Casino App. The app’s cutting-edge design and intuitive navigation will guarantee a satisfying gambling experience regardless of your level of experience.

Sugarhouse Online Baccarat App

Sugarhouse Casino app offers many variants of baccarat online. You’ll be happy to know that it works on both Android and iOS. However, you’ll need to download the apk file if you’re an Android user. It is available to download from the casino’s website. You can  access the casino website directly from a browser, find the mobile apps section and select “Get it for Android.” However, for iOS users, you can get the app directly from the App Store.

PlayStar Online Baccarat App

PlayStar Casino offers a mobile app that features a decent selection of table games. Among the classic baccarat, you will find variants such as Speed Baccarat and online baccarat live dealer games. Once you register and click on the specific baccarat  game online you want to play, all of the in-game information you might need will be displayed, including the rules for each round, the paytable, the overall payout, and other features.

Golden Nugget Online Baccarat App

One of the most reputable casinos in New Jersey, Golden Nugget, has an accessible and intuitive mobile casino app. The Golden Nugget App offers a wide variety of table games, including some exciting baccarat variants. Also, it features the baccarat live game option, having some great live dealer baccarat online casino games.Moreover, you have the opportunity to play baccarat free online, as most of the game variants offer a demo.

Best Online Baccarat Casino Bonuses

In order to win real money at online baccarat NJ, you must set your budget wisely and make smart choices. You can use the free credit they receive as part of casino bonuses in any baccarat online game. With these benefits, players can try to win real money playing baccarat online with hundreds of dollars in ‘free money’ without risking their own bankroll. Check out a few of the top online casino bonuses:

Golden Nugget Casino bonus – $1000 Welcome Bonus + 200 Free Spins

When it comes to promotions, Golden Nugget Online Casino NJ has one of the biggest first deposit bonuses in New Jersey. It includes a match deposit up to $1000 that you can use to play online baccarat. Moreover, if you are interested in other casino games, the first deposit match bonus is combined with the no deposit bonus consisting of 200 free spins on 88 Fortunes Megaways. For more information regarding the promotions and the wagering requirements, check the T&C section on the casino website.

How We Determine the Best Online Casino Baccarat

Whether you play online baccarat games or other gambling games, it is important to know every aspect of a casino before you start investing money. When we decide to recommend an online casino to you, we take into consideration different factors, such as bonuses, mobile experience, customer service and, of course, the availability of baccarat games. Now, let’s go through each factor and see how does that influence the user experience:

Baccarat History

The origins of Baccarat can be traced back to medieval Italy. Although the game’s beginnings are disputed, most people think a man by the name of Felix Falguierein or Felix Falguiere invented it in the 1400s. Since all tens and face cards had a value of zero, he named the game “baccara,” which means “zero” (the French spelling “baccarat” would later be adopted). 

Baccarat also became popular in England, where Ian Fleming first picked up the game before creating the most well-known baccarat player in history: James Bond. Baccarat emerged in South America and the Caribbean over time, where it adopted the name Punto Banco and blended in with the local culture. The two biggest adjustments were that players now only competed against the house and that the casino now served as the sole banker. We now refer to this type of baccarat as “American Baccarat.”


Online baccarat is one of the most popular gambling games on the planet. And it’s pretty obvious why: with simple baccarat rules, it is very easy to play, involving no skills. It’s a matter of chance, the reason why it is such a thrilling game. You can play it anytime and from anywhere, even on your smartphone. Or you can go for a live baccarat online round to make it feel more like a brick-and-mortar casino experience. 


How to play online baccarat? 

Online baccarat is simple to play and the rules are easy to understand. In baccarat, which is primarily played against the dealer, three outcomes are possible. Either the Banker, the Player, or a tie determines the outcome of the game. Baccarat is played by placing a bet on the hand that will have a value that is closest to, or equal to, nine.

What is the minimum bet at online baccarat?

It depends on the bet limits allowed by the game. And this can vary from one game version to another or one online casino to the other.

Where can I play online baccarat?

Multiple variants of baccarat are available at real money online casinos in New Jersey. Also, you can play baccarat online free without downloading anything. Simply open the game in your web browser to begin playing right away.

What is the best bet?

The bank has a little advantage, but a bet money on either the player or the bank is most likely to win.

Should you always bet Banker in baccarat?

Yes, but also take into account the 5% commission when the Banker hand wins. No Commission baccarat is available at many of our top online casinos. There is no 5% deduction for a Banker victory in this game.

Can I play online baccarat for free?

Yes, many online casinos will let you try out their baccarat games for free before you play for real money.

Are online baccarat games rigged?

No. All reputable casinos, including those listed in this guide, use a random number generator to deal cards. If you’re not sure if a casino is operating fairly, look for a seal from an unbiased auditing organization like eCOGRA. Before you begin playing, you should be able to look up the house edge on the casino’s website.

Is it possible to count cards in baccarat?

In baccarat, it is possible to count cards. It’s extremely difficult to gain an advantage over the house, and you might only do so near the end of the shoe, so it’s not really worthwhile. Card counting is impossible when playing online baccarat because they use random number generators (RNGs) to create new cards every time a hand is dealt.

What online baccarat variants are available?

There are many different types of baccarat, and many of them can be played online with a live dealer. With only a few minor rule changes, the majority of variants maintain the same objective. Favorite games at online casinos include mini baccarat, chemin de fer, baccarat banque, and punto banco.

What is the best hand in baccarat and why?

No matter if you play online baccarat or offline, nine is always the highest possible hand value. Anything greater than nine is a bust. The best hand is therefore the one that is closest to or equal to nine.