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Online Baccarat – How to Choose a Reliable Baccarat Casino for Real Money

Author: Caroline Richardson, Reviewed by: Jack Cooper
Last updated on:

Baccarat casinos have had enormous growth in the past few years. Long gone are the days when only high rollers could play live baccarat in land casinos. Today the popular Baccarat game is open to everyone at both land and online Baccarat casinos and there are versions for every sized budget.

Best Online Baccarat Casinos 2024

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Over 100 virtual and live games with wide betting ranges, exciting side bets, and in-game features make up 22Bet Casino’s absolutely astonishing selection of baccarat. Try Punto Banco or Dragon Tiger and enjoy convenient banking and thrilling bonuses. Read More

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Every type of player is sure to find what they need at Betwinner, with thousands of titles from all the big name developers. There are roughly 30 RNG baccarat games and a huge range of live dealer titles with different betting limits. Read More

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At Melbet, there are games and bonuses to suit all players. An impressive welcome package, VIP cashbacks, free spins, and lottery tickets are just some of the treats at the casino. Baccarat players also enjoy exclusive cashbacks on live tables. Read More

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If you are looking to play online baccarat, then here you will find all the resources you need, from the best places to play to game rules, strategies, and more. You can start by signing up for free and testing your skills or jump straight to the point and play baccarat online for real money. Take a look at our baccarat casino rankings and choose the best one for you!

How We Rate Baccarat Online Casinos?

We are committed to providing you with the best and most reliable information about online baccarat. We conduct in-depth research on various online casinos that offer baccarat games, and we write independent reviews based on our findings.

You can gain useful knowledge about online baccarat here and take advantage of some tips on baccarat casinos. We provide examples of the more complex information, such as the rules, odds, and payouts of the different baccarat variants, to make it easier for you to understand and apply. Our goal is to provide objective and comprehensive information that will help you enjoy online baccarat safely and responsibly.
We use comparison criteria such as:

  • Security and Safety

    If you are going to play online baccarat for real money at a trustworthy site then two things are unavoidable. You will need to provide the casino with a large amount of personal information and you will have to deposit money. In order to comply with licensing rules, casinos will request your full name, address, date of birth, telephone number, email, and so on.

    Furthermore, you will be required to prove that the details are genuine by providing a copy of an official government photo ID (passport, driving license, etc.) and proof of address (usually a recent utility bill). This is what’s known as Know Your Customer (KYC) and the rules are there to combat underage gambling, money laundering and fraud.

    While you may not be fully comfortable providing so much information, the advantage of playing at a trustworthy baccarat casino online site is that they are highly secure thanks to features such as advanced encryption, firewalls, SSL certificates and more. We only recommend sites that meet the highest standards of security and player protection.

  • Deposits and Withdrawals

    Before you can start playing, you will have to deposit money into your online baccarat casino account, and hopefully, you will later have plenty to withdraw. We look for operators that provides a wide range of baccarat payment methods, such as bank cards, e-wallets, and prepaid cards, to give players more flexibility when topping up their accounts. Visa, Mastercard, PayPal, Skrill, NETELLER and Trustly are a few of the most popular payment methods for online gamers.

    The payment methods are only the first part of the story. We then examine the actual processes.

    Not only should transactions be easy, but the minimum amount shouldn’t be a prohibitive sum, ideally no fees (although many methods do charge withdrawal fees), and the processing times should be short. Deposits are nearly always instant, but casino normally take a few days to process a withdrawal request and then the actual transaction may take a little longer depending on the payment method used. However, all the sites recommended here have a broad range of payments and player-friendly payment policies.

  • Mobile App

    Those who want to play baccarat on the go or simply prefer to play from their smartphone are spoilt for choice. Nearly every online casino has a mobile-compatible website, and very often they have dedicated apps as well. Many people find that their gaming experience is enhanced by playing on a mobile device as not only does it offer great flexibility, but they feel there is something more immediate and engaging about playing on a phone and controlling the game with your fingers.

    The mobile gaming experience is highly immersive. If you take a seat at a live dealer table, you will be able to chat with the dealer and other players. We ensure that this is the case by testing each casino’s mobile offering, be it an app or a responsive site, to ensure that it functions correctly, the games are properly adapted, it loads quickly, and is overall, highly user-friendly. This way you can be sure of having the best possible mobile baccarat experience.

  • Customer Care

    From time to time, we all need a bit of help, even when playing at the best online casinos. That is why we check to see what kind of customer support each casino offers. If a casino does not offer high quality customer support and service, then players will very quickly abandon the site out of frustration. For example, if a player has a problem with making a deposit and they cannot reach support to resolve it, then they cannot play at the site and they will soon go elsewhere.

    In order to assess the quality of customer support, we first assess the contact methods. Ideally, the support team should be reachable via live chat, telephone and email. We then check how quickly they respond to queries and how helpful they actually are. If the staff are friendly, efficient and eager to help, then that is fantastic. We also check to see if a site has a useful FAQ section, which is often the fastest way to resolve issues.

  • Licenses and Compliance

    Unfortunately, there are a number of online baccarat casinos that are less than honest. The best way to avoid these is by ensuring that the casino you are playing at holds a license from a respectable gambling authority. In order to obtain one of these licenses, the sites will have to prove that not only are the games fair but that they have proper player protections in place. This means that they protect players’ privacy and money, and they also have tools to help players manage their spending. Furthermore, they will work with a dispute resolution service should a player have a complaint.

    There are several authorities that issue online gambling operator licenses. Some, such as the UKGC and MGA, are known for their particularly high standards. Therefore, you can be sure that a site is fair and honest if it holds a license from them. However, you do still need to ensure that it is legal in your jurisdiction. Before we recommend a casino, we verify that its license is genuine by checking with the issuing authority. We also look at public audits of the sites and their games, and carefully dissect the terms and conditions to ensure that they are fair.

    Next, when you are done playing baccarat online free the bonuses on offer.

  • Casino Bonuses

    Nearly every casino offers some form of bonus, but some are more generous than others are. Generous casino bonuses have the potential to transform the playing experience. A baccarat bonus can significantly boost a person’s bankroll and with careful budgeting, this allows them to play for far longer, which of course means more chances of winning.

    Most casinos greet new members with a Welcome Bonus that matches a certain percentage of a person’s first deposit at the site. It may be 100%, which doubles the money, it could be 50%, 250% or anything else. Players are likely to be able to claim regular reload deposit bonuses of a very similar nature. Sites may also offer loyalty rewards, cashback offers, referral bonuses, and more. However, all bonuses come with terms and conditions, and it is vital that these are properly understood. The most common condition is wagering requirements, which obligates a player to wager a multiple of the bonus amount before they can withdraw winnings.

    We carefully compare the bonuses at our recommended casinos to find the most favorable terms and attractive offers, so that our readers can claim the most beneficial bonuses online.

Baccarat Game Quality and Software Developer

There are several developers of online casino games with games not of equal quality. We check that casinos offer baccarat games from the leading developers, ensuring that they have attractive graphics and are user-friendly. We also keep an eye out for extras such as side bets.

Types of Baccarat Games

When you play online baccarat, in nearly every instance, you will be playing a game that is more accurately called Punto Banco. However, there are actually a number of different versions of the baccarat game, and it is important to understand the differences between them.

Baccarat Punto Banco

Punto Banco (Also Known as North American Baccarat)

Punto Banco is the version of baccarat that people are most familiar with. It simply requires players to bet on which of two positions (Player or Banker) will have a value closer to 9 (or there will be a tie) after all the cards are dealt. There are no further player decisions in the game, making it easy to learn and very fast-paced.

Play Punto Banco
Chemin de Fer

Chemin de Fer

Chemin de Fer is a baccarat game popular in European land casinos. It is played by several players at an oval table, and players take turns at being the banker. The betting rules are more complicated, with the banker setting the limit for each round. Once cards are dealt, assuming the hand is not a natural, both the player and banker can decide whether to draw a third card. The hands are then compared to reveal the winner.

Play Chemin de Fer
Baccarat en Banque

Baccarat en Banque

Baccarat en Banque is another version popular in European land casinos. It is played with a shoe of three decks and the banker remains the same for the entire shoe. There is an elaborate shuffling ritual before the cards are dealt, and a total of three hands are dealt (one Banker hand and two Player hands). The third card rules are the same as Chemin de Fer.

Play Baccarat en Banque
Mini Baccarat

Mini Baccarat

Mini baccarat is essentially a faster version of Punto Banco that is found at both online and live baccarat casinos. It primarily takes its name from the fact that it has generally lower betting limits, allowing low rollers to enjoy the game, and from the fact that the player does not pick up the cards, thus speeding up the game. Furthermore, in land casinos, the Mini baccarat tables are often physically smaller than those for the regular game.

Play Mini Baccarat
Super Pan 9 Baccarat

Super Pan 9

Super Pan 9 is a game found primarily in Los Angeles County. It uses 8 or 12 decks with the 7s, 8, 9s, and 10s removed. One player is designated the banker. Each player, including the banker, places their bets and then receives three cards. Players may then choose to stand or draw an additional card. The banker’s hand is then revealed and must stand if they have a total of 7, 8 or 9. Players’ hands are then revealed and winning hands are paid out.

Play Super Pan 9
No Commission baccarat

No Commission Baccarat (Super 6)

No Commission baccarat, also known as Super 6, is almost identical to Punto Banco. However, it removes the 5% commission on winning Banker bets. This means that winning Player and Banker bets pay 1:1 unless the Banker wins with a 6, in which case it pays 0.5:1. The game also offers the Super 6 side bet, which awards payouts of 12:1 if the banker wins with a 6.

Play No Commission Baccarat (Super 6)
Baccarat Pro by NetEnt

Three Card Baccarat

This game is mainly found in Macau. It is played with one deck of cards and once again players bet on the Player or Banker position and each position receives three cards. The best hand is three face cards, after that, hands are scored as in regular Punto Banco. Often there are a number of side bets available as well, such as Three Faces, which pays 16:1 if the dealer’s hand is three faces.

Play Three Card Baccarat
European Baccarat

European Baccarat

This is very similar to Punto Banco, but there are two important differences. The first is that players have the choice whether to stand or draw on 5. The second is that the banker can choose whether to request a third card or not. There are also limits on how much can be bet in total against the banker, the sum of player bets cannot exceed the Banker bet.

Play European Baccarat

Practice Baccarat Online for Free

Before playing at a real money online casino, it is worth spending some time practicing with a free baccarat online demo. This way you can familiarize yourself with all of the rules and make sure that you are placing well informed bets.

Game by: NetEnt
Rating: 5/6
Play for real money
*T&Cs apply

Where to Play Online Baccarat in the US

Online gambling is now legal in several US states and the offering by casino operators could be distinguished in 3 distinct types:

Casino Websites

Baccarat
Casino Websites

If you are looking to gamble at the best online baccarat casinos then you should start by looking at what brands accept players from the state you are currently located in. Of course, you should check what version of the game these casinos offer (live, mini, etc.), and look into other factors such as the available bonuses and deposit methods.

Mobile App

Mobile
Baccarat Apps

If you are on the move, then you will have no problem gambling with one of the mobile baccarat app for real money. Nearly every online casino has some form of mobile offering allowing you to play both RNG and live dealer baccarat whenever and wherever you wish. The advantage of mobile apps is that they will give you incredibly fast access to your favorite games without the need to repeatedly navigate to the casino website and login.

Live Casino

Live Dealer
Baccarat Online

Live baccarat brings the atmosphere of a top land casino to you, no matter where you are. The games are hosted by professional and friendly dealers who are streamed to you in high definition, complete with audio, to fully immerse you in the casino ambience. Often the games are packed with features, such as roadmap scorecards and live chat, to provide a great experience.

What You Need to Know Before You Play Baccarat Games

Before you play online baccarat, you should make sure that you are familiar with all its aspects. It is very straightforward card game and here are few things we recommend you take a close look at.

Game Rules

The baccarat rules, and specifically the Punto Banco version, are very easy to understand. You are simply betting on which of two hands, Player or Banker, will have a value closer to 9 once the cards are dealt. There are just three possible bets, Player, Banker and Tie, and after placing your bets, two cards are dealt to each position. In some situations, a third card may be dealt to one or both positions, and it is worth taking the time to understand the third card rules. If you are not sure what these terms stand for you can always check our baccarat glossary for more detailed information.

Betting Tips

Here are some baccarat tips and tricks to help you get started:

Baccarat Odds and House Edge

As mentioned, there are just three types of bets in this card game – Player, Banker and Tie. Here is the house edge in baccarat explained in greater details:

Banker
Odds:
45.86%
Payout:
1:1
House Edge:
1.06%

Player
Odds:
44.62%
Payout:
1:1
House Edge:
1.24%

Tie
Odds:
9.52%
Payout:
8:1 or 9:1
House Edge:
14.4%

Betting Strategies

As there are no player decisions in baccarat online, there are no strategies that can be used to improve the odds. However, there are numerous baccarat strategies and systems that may be helpful. Using a one will help your bankroll go further, allowing you to play for longer.

There are three main types of betting systems – Negative Progression, Positive Progression, and Flat Betting. Flat betting systems require you to place the same bet on every hand, negative systems require you to increase your bet after a loss, and positive systems require you to increase your bet after a win.

Here are few examples of baccarat strategies:

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Did you know?
  • James BondThe unabridged version of the 1953 book Casino Royale contained a guide to baccarat to help readers understand better the plot which revolves around a game between James Bond and Le Chiffre. Baccarat was the favorite game of 007 and was featured in many films and books until it was replaced with Texas Hold’em in the 2006 adaptation.
  • King Edward VIIIn 1890, after a massive scandal regarding accusations that Sir William Gordon-Cumming had cheated in a game of baccarat, the Prince of Wales – the future King Edward VII, had to testify in court as a witness. Back then, gambling in England was illegal and the Royal Baccarat Scandal was enormously publicized, bringing the game to the attention of the public.
  • Phil IveyPhil Ivey was involved in two lawsuits with casinos accusing him of having cheated in a game of baccarat. In 2012, he took the London’s Crockfords Casino to court after they refused to pay his winnings of £7.8 million and in 2016, the Borgata Hotel Casino sued Ivey for using edge sorting that got him $9.6 million winnings.
  • Lin HaisanThe largest ever single win at baccarat was in 2015 at the World Series of Baccarat in Macao when Lin Haisan scooped a record $12.9m jackpot. The previous biggest win was $12m at the Crown Casino in Melbourne in the 1990s. It was one of the streak of winnings by unnamed high-rollers that totaled $55m over the course of a few months.
  • Akio KashiwagiJapanese investor Akio Kashiwagi is the player that has scored both some of the biggest baccarat wins and losses. In 1990, he bet $200,000 that paid out $6m – a record-breaking win at the time. When he returned to the baccarat tables at the Trump Plaza Casino in Atlantic City, Lady Luck didn’t come along and he ended up losing $10m over six days.
  • Sean ConneryIan Fleming may be responsible for making baccarat popular when he imprinted his interest in the game to his character James Bond but he’s definitely not the only famous person to enjoy it. Sean Connery loved the game in real life as much as 007 did in the movies, and basketball legend Michael Jordan, singer Gladys Knight, and actor Jackie Chan are also all fans of the game.
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Why Everybody Loves to Play Baccarat – Interesting Facts and Stats

Several things contribute to the popularity of Baccarat. For starters, the game’s simplicity is a big draw. Unlike other casino games that involve more strategic thought, Baccarat only allows players to gamble on three potential hands: the house, the player, or a tie. When compared to more complex games like blackjack or roulette, its simplicity makes it more accessible to newbies.

A report about the Gross revenue from Baccarat in Macao shows that the game has an even larger presence in Macau, accounting for 88% of all gambling activity. These staggering figures underscore the game’s growing popularity as one of the world’s largest gambling markets. Even more interestingly, another report on VIP Baccarat generated approximately 10.15 billion Macau patacas in gross revenue in Macao’s casinos in 2022.

The odds in Baccarat also contribute to its popularity. The chances of winning a bet placed on the player are slightly lower than betting on the banker. However, betting on a tie, while tempting due to higher payouts, is generally not recommended due to a significantly higher house edge of 14.46% compared to 1.06% for the banker bet and 1.24% for the player bet​​​​.

Lastly, in terms of payouts, regular Baccarat typically charges a 5% commission on winning banker bets due to their slightly better odds. Over a long gaming session, this commission can accumulate to a considerable amount​​. Be careful with this fact, as one of the results of this Baccarat player’s behaviour study is that bigger wins encourage higher and higher bets. So be careful, play responsibly and have fun!

Is It Legal to Play Baccarat Online in the US?

Each state in the US is able to set its own gambling laws, meaning that the answer to whether baccarat is legal depends upon where you are located. There are just two US states with legal state-wide casino gambling, Nevada, and Louisiana. However, there are several states where gambling is legal in small geographic areas, such as Atlantic City in New Jersey and Tunica in Mississippi.

Furthermore, casino gambling (and therefore baccarat) is legal at Indian casinos, which can be found in thirty different States. Online baccarat is currently legal in six US states: Connecticut, Delaware, Michigan, New Jersey, Pennsylvania, and West Virginia.

In other words, there are plenty of places where it is legal to play baccarat in the US. You will of course find it at the vast majority of land casinos in Las Vegas and Atlantic City, and you will also find it at casinos in Colorado, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, New York, Ohio, Pennsylvania, Rhode Island, South Dakota, and West Virginia. Some states, such as Illinois, Indiana, and Iowa, also have casino riverboats, where you may also enjoy a good baccarat game online.

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FAQs

🃏 What is baccarat?
Baccarat is a classic casino card game, where two hands are dealt, the Player and the Banker. Players are simply betting on which hand will have a higher value once all cards have been dealt (it is also possible to bet on a Tie). There are three main versions of the game, Punto Banco, Baccarat Chemin de Fer and Baccarat Banque. However, in the vast majority of casinos only Punto Banco is played.

🌎 Where does the name “baccarat” come from?
There is some debate over the history of baccarat, however, many people believe that it originated in Medieval Italy and was created by a man named Felix Falguiere or Falguierein. He named it “Baccara”, Italian for “Zero” as all the 10s and face cards are worth zero. As the game spread throughout Europe and grew in popularity, the French spelling “baccarat” gradually became more dominant.

🐥 Is baccarat a good casino game for beginners?
Yes, the baccarat game has a simple set of rules which makes it possible to understand the basics in just a few minutes. Furthermore, the game does not require any complex strategies and in fact, it is possible to explain the mathematically optimal way of playing in just one sentence, “Always bet on the Banker”. In addition, baccarat has one of the lowest house edges of all casino games, so beginners can play with a minimum amount of risk.

🏆 Do all online casinos offer baccarat?
Not all, but certainly the vast majority do. There are a few online casinos that specialize in one type of game, such as slots, but this is rare. At most online casinos you will find a few different versions of baccarat. There is normally at least one RNG version of the game and if the casino offers live dealer games, then there are likely to be several baccarat tables available.

🃏 What types of baccarat are there?
There are three main versions of baccarat, Punto Banco (North American baccarat), Chemin de Fer and Baccarat en Banque. Outside of Europe, it is rare to find any version other than Punto Banco. However, there are a few other versions of the game, such as baccarat Super 6, that you may find online. All versions of the game share similar rules with only subtle differences between them.

🤝 Is baccarat better than blackjack?
There is no “better” game, it really comes down to personal preference. Baccarat is simpler to learn and has a much more straightforward gameplay. Blackjack is a game more suited to those who enjoy the challenge of mastering optimal strategies. When played properly, both games have very low house edges. Ultimately, which game is better depends on the player.

🍀 Is baccarat a game of skill or luck?
Punto Banco, the most common version of the baccarat game, is a game of pure luck as there are no player decisions to be made. In other words, there is no way to influence the outcome of each round. However, it is possible to use betting strategies to help manage your bankroll, and this may help to reduce losses and ensure that you can play for longer.

💰 Is it possible to beat a baccarat casino when playing the game?
Unfortunately, there is no such thing as a casino game that doesn’t have a house edge. In baccarat, the house edge is particularly small, just 1.06% when played optimally, but this still means that in the long run the house will always win. Nonetheless, there is a genuine chance of winning money if luck is on your side and using proper strategy will ensure that your losses are kept at a minimum.

💸 Can I earn real money playing online baccarat?
There is a chance that you will win real money when playing baccarat online. The game has a very small house edge and with a bit of luck you can win. However, ultimately it is still gambling and in the long run, the casino will always come out ahead. Therefore, you should never rely upon baccarat, or any other casino game, as a source of income.

🤩 Can I win at the baccarat game every time?
In short, no. While baccarat has one of the smallest house edges of any casino game, the house still has the edge. The odds show that the Banker bet, which is the best bet to make, will win 45.86% of the time. However, this means that even if every bet you place is Banker, the casino will win more than 50% of the time.

⭐ Are online baccarat casinos rigged?
Not if you are playing at a trustworthy casino with games from a reputable supplier. If the casino provider holds a license from a respected authority, such as the MGA or UKGC, then it means that it is held to extremely high standards of security and fair play. The games will be regularly inspected to ensure that they are not rigged and ensure that you have a fair chance of winning.

🆓 Can I play baccarat for free?
Yes. There are plenty of demo versions of baccarat that you can play for free. This way you can learn the game and hone your skills. However, if you want to have the chance of winning real money, then you will also have to bet and risk your money.

🥇 What is the best hand in baccarat?
It is always best to bet on the Banker hand when playing baccarat. Because of the way in which the third card rules work, the Banker hand has the smallest house edge of just 1.06% and it will win 45.86% of the time. The Player hand will win 44.62% of the time while the Tie bet will win just 9.6% of the time.

⚖ Is the “player or banker” bet a 50/50 chance?
No. To begin with, there is always a chance that the hands will tie, although this is very small at just 9.6%. When not considering the tie, the Banker bet will win 45.86% of the time while the Player bet will win 44.62% of the time. However, this is as close to 50/50 as you are likely to find in any casino card game.

🔐 Is it safe to play baccarat online?
It is perfectly safe to play online baccarat as long as you are playing at a reputable casino. This means that it should hold a license from a respected gambling authority. As long as it does, then you can be sure that the games are fair and that your privacy and money are properly protected.

🏆 Which is the best casino to play online baccarat?
There are many excellent online casinos offering baccarat games. Here you can find recommendations of those that are safe and fair to play at. When choosing a casino, you should also consider the bonuses on offer, the banking methods, and whether it is licensed for the jurisdiction that you reside, as ultimately, the ‘best’ for you may not be the ‘best’ for someone else.

🎁 Are there bonuses for playing baccarat online?
Many online casinos offer new players bonuses just for joining. For instance, you will nearly always be offered some kind of deposit bonus that increases your bankroll. It is rare to find bonuses specifically designed for baccarat, but you should be able to find reload bonuses, cashback offers and more, all of which will ensure that you can play baccarat for longer.

🃏 Are there any live dealer baccarat games?
Yes, all of the leading live dealer providers have an excellent baccarat offering. You will find live dealer versions of Punto Banco, No Commission baccarat (Super 6), Mini baccarat, Speed baccarat, and more. Most casinos will have several live baccarat games for you to choose from, with betting limits to suit all budgets and numerous tables open for play at any given time.

♠ Are baccarat side bets worth it?
Yes and no. If one goes purely by the odds, then the answer is normally no as baccarat side bets tend to have a very large house edge. However, they can also be a great fun and very often, they offer far larger winnings than the regular bets. As such, if you treat them as novelty bets and you budget for them appropriately, they can certainly be worth it.

🎴 Does card counting work with baccarat?
There is some debate over this, but there are baccarat card counting systems. It is not as effective as it is for blackjack and it can in no way be relied upon to guarantee wins. However, it is not complicated, and it can help. As such, it is a useful tool to understand and make use of, and when done properly, it certainly won’t do any harm.
Recommended Baccarat Online Casinos

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