Top Baccarat Online Casinos
Baccarat popularity has increased greatly within the last two decades. It is now far more accessible thanks to mini, online, and live-dealer baccarat.
This guide explains how you can find quality baccarat casinos. It also discusses the game’s finer points, including rules, bonuses, formats, and more.
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Our criteria for the top baccarat casinos
We look at a variety of factors to determine the best baccarat casinos. Below, you can see the main aspects on which we focus when choosing quality gaming sites.
Fair baccarat games
Baccarat features a standard 52-card deck. Online baccarat odds should revolve around the same deck.
Gaming sites and their software providers must ensure that their games offer fair odds. Most casinos and providers undergo third-party testing to guarantee fair gaming.
Casino websites should use Secure Sockets Layer (SSL) technology to protect your data. SSL thwarts hackers by encrypting the information you exchange with casinos.
Google Chrome and Safari browsers place padlocks at the beginning of the address bars of the URLs of encrypted sites. Any casino without a padlock is not trustworthy, because it does not secure your data.
The best baccarat casinos use top-tier software providers. Leading software providers improve your baccarat experience by offering pleasing graphics and helpful gameplay features.
Not all gaming sites offer baccarat bonuses. Therefore, if baccarat is one of your favorite games, you may want to avoid such casinos.
Internet casinos discuss what games qualify for bonuses in their terms and conditions. You should review T&Cs pages to determine if baccarat is eligible for bonuses.
You may have questions and/or issues that arise when playing online baccarat. When this happens, you’ll want friendly and knowledgeable support ready to assist you.
Casinos should provide multiple ways for you to contact customer service. Email, live chat, and phone are commonly available options.
Plenty of banking methods
Most gaming sites feature several deposit and withdrawal methods. Nevertheless, you should still review a casino’s banking page to ensure that the methods offered will allow you to deposit and cash out.
How to get a baccarat bonus
Some online casinos offer baccarat bonuses to encourage you to deposit. Below, you can see the various steps to qualify for these offers.
Step 1: Read terms and conditions
Every online baccarat bonus comes with terms and conditions. You should read T&Cs carefully for two reasons:
- Ensure that the terms are fair.
- Determine what you must do to earn the bonus.
One casino can differ from the next regarding bonus T&Cs. However, the following terms are commonly featured in most baccarat offers:
- Rollover – Know how much you must wager before withdrawing bonus funds.
- Max bet – You can only bet up to a certain amount (e.g. $100) with an active bonus.
- Claim the bonus – You’ll need to visit your account section and claim the offer.
- Timeframe on rollover – Casinos only give you so long to meet wagering requirements.
- Bonus code – You might need to enter a specific code to claim your deal.
Step 2: Make a deposit
Most baccarat offers are deposit bonuses. That said, you must place a minimum deposit to qualify.
In many cases, you only need to deposit between $10 and $20. Some casinos also require you to enter a bonus code at the time of your deposit.
Step 3: Meet the T&Cs
You must satisfy all T&Cs before withdrawing bonus money. Playthrough is typically the most challenging requirement.
Here’s an example on meeting playthrough:
- A casino is offering a 100% match deposit bonus worth up to $500.
- You deposit $100 and now qualify for a $100 bonus.
- Baccarat playthrough is 100x.
- $100 x 100 = $10,000 must be wagered
Why is baccarat so popular?
Baccarat is one of the most popular table games in the world. In Asia, it’s the premier casino game and occupies 80 percent of some gambling floors.
The three main reasons behind baccarat’s popularity include:
- Low house edge
- Widespread availability
- Simple gameplay
Baccarat only features a 1.06% house edge under the right strategy (covered later). This house advantage is among the lowest in all of gaming.
Historically, Baccarat was only available in high-roller areas. However, this situation has changed significantly within the past two decades.
You can enjoy baccarat with little experience. It’s simple. Just bet on the banker hand winning, the player hand winning, or both hands tying.
This game only requires you to pick one of three available wagers to play. Nevertheless, you’ll find the game more interesting when you thoroughly understand how hands win and lose.
Here’s what you should know regarding the scoring system and how cards are dealt:
- A baccarat hand will feature one of three outcomes: banker hand wins, player hand wins, or both hands tie.
- The hand closest to a score of 9 wins.
- Cards 2 through 9 are worth their numerical value.
- 10 and face cards are worth zero.
- An ace is worth 1.
- The first digit is removed from any score over 9 (e.g. 12 becomes 2).
- Both parties receive two cards to begin a round.
- The player or banker automatically wins with an 8 or 9 (called a “natural”) as long as their opponent doesn’t tie or beat their score.
In the absence of a natural, the player and banker draw a third card under the following circumstances:
- Player draws if their total is 0-5 and stands if their score is 6 or 7.
- If the player stands, the banker draws with 0-5 and stands with 6 or 7.
- If the player draws a third card, the banker draws in the below scenarios:
- Total is 2.
- Total is 3, unless the player’s third card is 8.
- Total is 4, and the player’s third card is 2 through 7.
- Total is 5, and the player’s third card is 4 through 7.
- Total is 6, and the player’s card is 6 or 7.
Banker stands on 7 no matter what.
Baccarat payouts and commissions
Unlike blackjack, baccarat doesn’t force you to face the house. Instead, you can bet on either the player or banker hand winning.
Additionally, you can also wager on both hands tying. Your choice affects your payout on successful bets.
Here are the payouts for each outcome:
- Banker hand wins – You receive even money, minus a 5% commission (e.g. 19-to-20 payout).
- Player hand wins – You receive an even-money payout.
- The hands tie – You collect either an 8-to-1 or 9-to-1 payout (depending on the casino).
The banker hand wins 45.8% of rounds versus a 44.6% win rate for the player hand. Ties account for the remaining 9.6% of hands.
Casinos would lose money if they paid you even money on banker wins. Therefore, they take a 5% commission to retain their advantage.
Where can you play baccarat?
Baccarat is available in multiple formats at both brick-and-mortar and online casinos. You can use the following descriptions to determine where you’ll feel most comfortable playing.
Internet casinos offer both real-money and free baccarat. In most cases, you need only wager $1 per hand with the real-money version.
Online baccarat’s biggest advantage is that it lets you control the game flow. You decide when to play hands and take breaks with no pressure from the dealer and other players.
Live dealer baccarat also allows you to play online. However, it features a human dealer, real table and cards, chat function, and other players.
You don’t maintain control over the game speed in this situation. On the plus side, live baccarat delivers a brick-and-mortar gambling experience to your mobile device or computer.
Mini baccarat in land-based casinos
Mini baccarat features a single dealer and table that seats up to seven players. Its minimum bet ranges from $5 to $25, depending upon the casino.
This relatively low minimum wager helps you play in brick-and-mortar casinos without being a high-roller.
Big baccarat in land-based casinos
This game seats up to 14 players. Big baccarat is found in the high-roller section and typically requires a $100 minimum bet and formal attire.
Three dealers run the big baccarat table. However, you and the other gamblers handle the cards.
You turn over the banker hand if you place the largest banker wager. Likewise, you flip over the player hand when you make the biggest player bet.
Should you play baccarat online or at land-based casinos?
Neither internet nor brick-and-mortar baccarat is inherently better than the other. Instead, your choice to play online or at land-based establishments is a subjective one.
You’ll find that both settings offer unique advantages over one another. The following advice will help you determine where to play.
Online baccarat is cheaper and more convenient
Live-dealer and online baccarat don’t force you to travel. Instead, you can grab your smartphone or laptop and play from home or anywhere else.
Both versions of internet baccarat are also cheaper than in brick-and-mortar settings. Live-dealer baccarat requires between a $1 and $5 minimum bet per hand.
Traditional (software-generated) online baccarat only features a $1 minimum wager. Select gaming sites even boast $0.10 minimum bets.
Land-based baccarat offers a unique experience
Brick-and-mortar casinos don’t deliver a cost-friendly baccarat experience. You’ll be lucky to find any tables that accept less than $10 per hand.
Nevertheless, land-based venues offer an atmosphere that can’t be beat. There’s a certain level of excitement that can be had only by chatting with the dealer and fellow gamblers in person.
Baccarat is one of the easiest games in terms of strategy. However, it severely punishes your bankroll if you place the wrong bet.
You can learn perfect baccarat strategy in a matter of seconds. The following tips explain everything you should know to improve your odds.
Bet on the banker hand
Each baccarat bet features a different house edge. The various wagers and house advantages include:
- Banker hand = 1.06% house edge
- Player hand = 1.24% house edge
- Tie bet w/ 8-to-1 payout = 14.36% house edge
- Tie bet w/ 9-to-1 payout = 4.85% house edge
Even with 5% commissions paid to the casino, the banker-hand bet gives you the strongest chance to win. The player-hand wager runs a close second with its 1.24% house advantage.
The tie bet is undoubtedly the worst proposition in baccarat. Even with a 9-to-1 payout, its house edge is roughly four times higher than the banker and player bets.
Don’t get stuck owing commissions
Land-based casinos don’t force you to pay commissions after every winning banker-hand wager. You can instead settle these commissions at a later point.
However, you don’t want to lose track of what you owe. Otherwise, you may not hold enough chips to cover your commissions at the end of a session.
Take advantage of bonuses
Baccarat bonuses help you pad your winnings, or at the least, minimize losses. You should only play at gaming sites that offer baccarat bonuses.
Furthermore, you want to look for online casinos that feature favorable T&Cs. Low playthrough in comparison to other sites is especially important.
Big baccarat features a larger table and higher minimum bets. It allows you to handle cards if you wager the most on the banker or player hand.
Mini baccarat offers a smaller table and lower minimum wagers. The dealer is the only one who handles cards in this game.
Yes, most gaming sites seek out third parties to test their software. They want to ensure that their RNG is working properly and assure gamblers that their games are fair.
The best baccarat strategy is to wager on the banker hand winning every time. When doing so, you’ll lower the house edge to 1.06%.
You still face a slight disadvantage with the banker bet. Nevertheless, baccarat gives you a stronger chance to win than most casino games.
Yes, you can count cards in baccarat just as in blackjack. Unfortunately, you won’t gain the same type of advantage as blackjack counters do.
You only stand to win pennies per hour through baccarat card counting. You’re better off just wagering on the banker hand and enjoying yourself.
Online casinos let you play free baccarat right after you register for an account. The registration process only takes a few minutes at most gaming sites.
Once registered, you’ll be able to enjoy baccarat with play-money chips. The free version offers a great way to practice before gambling real funds.