Play Baccarat Online for Real Money 2021

Posted by Veronica Taylor . Last updated:

Surely one of the most popular casino games, online baccarat appeals to all players, from veteran high rollers to new gamblers.


Where to Play Baccarat Online

Whether you want to play baccarat online for real money or just understand your options, these are our favorite online casinos for baccarat.

How to Play Baccarat

Want to become an online baccarat expert in less than 15 minutes? Watch our expert, Tommy Green, break down everything you need to know.

Baccarat Rules

In baccarat, as with any online casino game, you will increase your edge by taking the time to learn the rules. Luckily, one of the reasons playing online baccarat is so popular is due to the minimal learning curve.

Simply: you’re wagering on the outcome of a round of cards between you and the dealer – highest hand wins.

Each card has a certain number of points allocated, and there are “drawing rules” that dictate player & banker behavior. The most popular variation of online baccarat is called punto banco, so we’ll discuss those rules here. The rules for other game types vary slightly, and we’ll cover those in a minute.

There are four main stages of a game of baccarat: Place a Bet, The Deal, Instant Win, and Third-Card Rule.

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The Third-Card Rule in Online Baccarat

a dealer stands behind a baccarat table covered in cards and chips

Once the initial two cards have been dealt, if there is no instant win, the ‘coup’ (game) continues per the drawing rules, with the player going first.

Expand to learn the rules for both the player and the banker for each situation.

Player’s Rule

  • If a player’s hand totals between 0 and 5 points, the player will be dealt a third card.
  • If a player’s hand totals either 6 or 7 points, they stand.

Banker’s Rule

If the player ‘stands’ – i.e. has only two cards – the banker proceeds with the same rules the player had: drawing a third card if they had 0-5 points, or standing if they had 6 or 7 points.

If the player drew a third card, there are more complex rules:

Dealer’s Total Points Rule
2 or less Banker draws a card
3 Banker draws a card, unless player’s third card was an 8.
4 Banker draws a card, if the player’s third card was a 2, 3, 4, 5, 6, or 7.
5 Banker draws a card, if the player’s third card was a 4, 5, 6 or 7.
6 Banker draws a card, if the player’s third card was a 6 or 7
7 Banker stands.

Online Baccarat Odds

While each online casino’s rules may differ, here is an example of typical online baccarat odds for each wager.

Odds of Player Bets

Player bets typically pay even money (e.g. bet $100, win $100).

The house edge for this type of bet is a relatively low 1.24%, making betting on yourself a tempting strategy.

Odds of Banker Bets

Banker bets typically pay even money, less a “commission” on the win, typically around 5%. This means a payout of approximately 95% on banker bets (e.g. bet $100, win $95.)

The house edge for banker bets is even lower than player bets, sitting at approximately 1.06%.

Odds of Baccarat Ties

Ties in online baccarat are paid out differently by each casino, but typically paid out at either 8- or 9-to-1.

Tie bets do have a very significant house edge of nearly 15%, so we recommend avoiding this bet type.

Online Baccarat Strategy

scoreboard displaying a tied score with an X through the middle

Avoid Tie Bets

As tempting as that payout may be, avoid betting on the tie. The payouts are high for a reason – betting on the tie just isn’t worth it.

a man wearing a tie next to a bag of money

Bet on the Banker

It feels weird to bet against yourself, but there’s a reason casinos put a “commission” on banker bets – it happens more often.

a green flame icon

Ignore “Streaks”

Tables simply don’t get “hot” or “cold.” The mathematical odds and house edge remain the exact same regardless of the previous result, so trust the process.

Different Types of Online Baccarat

There are a few variations of online baccarat, but there are two main types: punto banco and chemin de fer.

Punto Banco Baccarat

Punto Banco Baccarat

If you are playing online baccarat, it is most likely Punto Banco. As we described above, one hand is designated for the player, while the other is assigned to the banker. Participants choose to wager on a win by player, win by banker, or a tie.

Player bets usually pay even money, while a five percent commission is taken out for banker bets. In the rare case of a successful tie bet (a “push”), payouts are typically 8:1, and the wagers for player and banker roll over to the next round.

Chemin de Fer Baccarat

Chemin de Fer Baccarat

Chemin de fer involves six decks of cards that are shuffled together. One player becomes the banker, and the rest become “punters.” Just like the blinds in poker, the role of banker/dealer rotates. The banker then places an initial bet, which can be met or exceeded by the punters. At this point, the player with the highest bet is elected (“chief punter”) to represent the rest of the punters.

Both the banker and the chief punter receive two cards face down. If neither has an 8 or a 9, the elected punter can choose to take a third card or stay. The general strategy for chemin de fer baccarat is:

If you hold between 0 and 4, you take a third card, and if you have a 6 or 7, you don’t.

If the banker wins, then they collect all the wagers and keep their position for another round. In the event of a player win, each bettor gets back their wager plus an equal amount from the banker.

Card Values in Online Baccarat

green number 10 icon image

10 and Face Cards

The card values in online baccarat are very similar to other casino table games like blackjack, except when it comes to face cards and tens.

These are worth zero points.

green number 4 icon image

Cards 2-9

Cards 2-9 are worth their face value, i.e. a four of hearts is worth four points.

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If you’re dealt an Ace in baccarat, that card is worth one point.

Scoring Online Baccarat

It’s very important to remember when scoring a round of online baccarat: if the total points in your hand reaches double digits, you drop the first digit.

For example:

  • You have a 7 and a 9, for a total of 16
  • Because 16 is double digits, you drop the first digit
  • Your 16 becomes a 6, meaning you have 6 points in your hand
a dealer stands behind a baccarat table covered in cards and chips

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