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Date published: March 8, 2025
Baccarat is a beloved classic at online casinos, with numerous variants including the popular and straightforward Punto Banco.
While Baccarat may not be as widely understood as games like Blackjack or Roulette, its simplicity requires no special skills, making it easy for anyone to play.
Check out our detailed guide to mastering Baccarat, covering gameplay, rules, strategies, and the best places to enjoy live Baccarat online.
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During Baccarat, two hands are in play: one for 'The Player' and one for 'The Banker'. The aim is to predict which hand will reach a total closest to nine.
In Baccarat, every card has a specific point value.
Cards are dealt to both The Player and The Banker, and their values are summed to find the winning hand, identified by the nearest total to nine.
Should a hand’s total exceed 9, only the last digit counts. Alternatively, you can subtract ten from the total to determine the hand's value.
Say, The Player's cards are a Jack and a 7. Together, they make 17, so the hand value would be 7.
If The Player gets two 5s, the total is 10, which translates to a hand value of 0.
Those are the fundamentals of Baccarat, but certain scenarios introduce extra 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: | When does the Banker draw with the Player's third card in play? | At which point does the Banker stand based on the Player's third card? |
| 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) |
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The primary wager in Baccarat involves predicting a win by The Player, The Banker, or a TIE.
A bet on The Player yields an even-money payout.
A Banker bet pays out at 0.95 to 1 (even-money less 5% commission).
If you place a £10 bet on The Player and win, you receive £20.
On a winning £10 Banker bet, you receive £19.50.
Betting on a TIE yields an 8/1 payout when both hands total the same.
With a handle on Baccarat mechanics and bet types, let's explore the house edge for each available wager to determine the most advantageous choices.
First up, the house advantage for The Player bet.
Betting on The Player carries a 1.24% house edge, moderately low compared to other casino staples.
Despite slight payout drawbacks, The Banker bet presents a 1.06% house edge.
A TIE bet in Baccarat is typically high-risk, with a 14.36% house edge.
Thus, the well-calculated Baccarat strategy points to betting on The Banker for optimal chances of profit.
Baccarat remains a favorite in physical casinos, and is widely available online. Playing live online offers the same authentic experience with real-life dealers and fellow players.
Several developers offer live Baccarat, with Evolution Gaming and Playtech leading the scene at countless online platforms.
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Beyond the regular wagers, Baccarat tables may offer side bets, dependent on the game provider.
One choice is Pair side bets, for pairs in the hands of The Player or The Banker, based on the first two cards.
Another option is betting Big/Small, linked to the total card count for both The Player and The Banker.
Baccarat tables offer Bonus side bets on either The Player or The Banker. This pays out if the side you bet on wins with a natural 8 or 9 or by margin of four points or more.
You’ll find Bonus side bets at Evolution Baccarat tables.
The Egalite side bet is relevant during a tie when betting on the combined value of The Player's and The Banker's cards.
For instance, a winning Egalite 3 bet pays out at 200/1 if both hands tally to 3.
Playtech Baccarat tables feature Egalite side bets.
Live Baccarat is a staple at many online casino live sections.
The standard Baccarat rules don't waver, but placing side bets may necessitate selecting the right table, whether it's Evolution Gaming or Playtech.
Evolution Gaming’s Baccarat tables offer Bonus Side Bets, while Playtech tables host the Egalite option.
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Find Lucky 15 horse racing predictions from WhichBookie’s expert analysts. Our tips are completely free and complement the Lucky 15 Calculator below.
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