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How and Where to Play Real Money Baccarat Online

Whether you’re a newbie to the iGaming universe or an experienced player, you’ve surely heard of baccarat. As a classic among table games, baccarat is effortless to learn, guarantees your entertainment, and can provide you with huge winnings. Hence, it’s no surprise it’s a massive attraction at all established and new online casinos in 2022.

Still, even if you are familiar with the existence of this centuries-old card game, there’s a lot to learn. Luckily, our experts created the only guide on playing baccarat online you’ll need. We covered everything about the game and its history, the best online baccarat variants, and the top baccarat online casino game suppliers. We also included a few of our go-to tips on winning alongside a comprehensive list of the most common questions.

Scroll down and relax. As always, our team at AllOnlineCasinosList has got you covered!

Where to Play Baccarat Online in 2022 – Our Recommended Casinos List


Are you on the hunt for an excellent online casino with baccarat? If so, you’ve arrived at the right place! Our team scoured the internet and handpicked the best online casinos where you can play baccarat online in 2022. Check out the list below and take your pick.

Playing Baccarat Online – All the Hows and Whys

The concept of baccarat online is straightforward to understand, and learning the rules only takes a few minutes. Mastering the game, however, will take a bit longer.

Basically, you start baccarat online, choose the bet amount, and place the desired bets (tie, banker, or player). Just hit the ‘Play’ or ‘Deal’ button and relax. Afterwards, the software does everything, from dealing to summarizing the outcome and paying out any winnings. That’s the beauty of playing baccarat at online casino sites.

Baccarat Rules Overview

In baccarat casino online, both the player and the dealer share the same objective. The goal is to have a hand that totals as close to nine as possible. Aces count as 1, while the rest of the cards count as their number value. The 10s and picture cards count as 0.

Moreover, you aren’t limited to only betting on yourself. You can also bet on the banker or a tie. Note that you’re betting on a winner, not your hand when you’re playing baccarat. So, even if your hand doesn’t beat the dealer’s, you can still win if you’ve made the correct wager. For instance, the payout for a winning bet on the player is 1/1. However, a winning dealer’s hand gets you 19/20 (1/1 minus a 5% commission). Lastly, if you bet on a tie, you win 8/1.

Baccarat Side Bets

There are several side betting options you can choose from when playing baccarat online for real money. These bets come with their risks and have different payouts. For example, the Player Pair has a 1/1 payout with the outcome that the first two cards dealt to the Player make a pair. Conversely, the Banker Pair has an 11/1 payout and entails that the first two cards dealt to the Dealer make a pair. Both of these bets have a house edge of 11.25%.

There’s also the Perfect Pair bet, which has a payout of 25/1 and 17.07% house edge. With it, the first two cards dealt to the Banker or Player must make a pair of the same suit. Alternatively, the Either Pair bet has a 5/1 payout and 14.54% house edge. Here, the first two cards dealt to either the Player or Banker make a pair.

Lastly, we have the Small and Big bets. With the Small bet, there’s a 1.5/1 payout, 5.27% house edge, and the total cards dealt in the game are four. The Big bet, however, has a 4.35% house edge and 0.54/1 payout. The outcome entails that the total cards dealt is five or six.

Tips & Tricks for Winning at Online Baccarat

We wanted to provide you with a few expert tips before you play baccarat online:

  • Avoid the Tie Bet – though the 8/1 payout is lucrative, a six-deck baccarat game has a 14.44% house edge.
  • Choose the Dealer – depending on the Player’s third card, the Banker always has more options. Hence, they’re in a better position to get a winning hand.
  • Check the Number of Decks – always check how many decks are used since it affects the house edge. More decks mean a higher house edge.

Play Baccarat for Free vs. Real Money Baccarat Online

Those who want to play baccarat for free will find it’s an excellent option for players who wish to test out the game. You get access to the same software as you would find on the real-money version. Since you’re not depositing any real money, there’s no risk. You can try out different betting systems and deal with third card rules without consequences. That’s the beauty of playing baccarat online for free.

Alternatively, if you want to play baccarat for real money, you’ll find several benefits too. The stakes can go as low as 0.50. You can also claim a juicy real money welcome bonus and win real money you can spend on other games. Additionally, real money baccarat games have audited random number generators, ensuring fair and random outcomes.

Pros of Free Baccarat

  • Completely risk-free
  • Test out different variants for free
  • No pressure to collect loyalty points
  • Mastering the game without risking money

Pros of Real Money Baccarat

  • Play for low or high stakes
  • Frequent juicy promotions
  • Guaranteed fairness
  • High adrenaline levels
  • Real money prizes

The History of Baccarat

It’s believed that baccarat was created in the 1400s by Felix Falguiere. Since all the tens and face cards are valued at zero, Falguiere named the game ‘baccara’ (zero). Later on, the game adopted the French spelling – baccarat.

It’s important to note that the original version is very different from the one we enjoy today. In the original baccarat, the cards were dealt by four dealers, and each player could be the banker. Then, the players could place their bets either against the house or against the other gamblers. In today’s version of baccarat, however, players place their bets against the house, which also fills in the banker role.

From Italy, the casino game traveled to France and eventually England, where Ian Fleming learned the ropes of baccarat. Here, he also created the world’s most famous baccarat player – James Bond. Baccarat also popped up in the Caribbean and South Africa, where it was called Punto Blanco. It also endured some changes, like the banker role reserved only for the casino, while the players only bet against the house. With a few tweaks, this version eventually became what we now know as ‘American Baccarat.’

As you know already, this was a popular card game played among friends and then in land-based casinos. Now, we also have baccarat online that players can enjoy at online casinos as well as in live dealer casinos.

Baccarat RTP and Payouts

One of the reasons why baccarat online is so popular at both established and new online casinos is the game’s low house edge. Naturally, not all games come with the same RTP, and that’s why it’s essential to do your due diligence before playing.

Yet, the general house edge for various bets is like this:

  • Player bet – 1.24% house edge, 98.76% RTP
  • Banker bet – 1.06% house edge, 98.94% RTP
  • Tie bet – 14.4%, 85.6% RTP

At some online casinos, you may find the tie bet with a considerably lower house edge of 4.85%. This was done consciously by the operators as they were aware that nobody would otherwise place that bet.

As for the payouts, these also depend on the casino and the variant. Typically, however, you’ll get 1:1 for the Player bet, 19:20 for the Banker bet + 5% commission on any payouts, and 8:1 on the Tie bet. When the Tie bet house edge is lower, the payout is 9:1.

Top Game Providers for Baccarat Online Games

Though baccarat is very entertaining by itself, it’s the casino software developers that make it shine. Several top-class providers power the best baccarat online variants you see at your favorite casino. Said providers ensure the games are of the highest quality, have stunning audiovisuals, and run smoothly. We have the best baccarat online software providers listed below.

  • NetEnt

    NetEnt is a top-shelf software provider that packs two baccarat variants in its roster. The operator is known for its classy graphics, immersive sound effects, and smooth gameplay. Players can enjoy the Baccarat Pro title, as well as the Punto Banco variant.

  • Evolution

    Launched in 2006, Evolution is a legendary iGaming provider that excels in live casino games. You can find several baccarat variants powered by Evolution, including Classic Baccarat, Baccarat Squeeze, Choice of Roads, and Pairs Side Bets. All the games are streamed in HD with multiple camera angles to enjoy.

  • Microgaming

    The games in Microgaming’s rosters shine with HD audiovisuals, a user-friendly interface, and several customizable features. The provider has several baccarat variants available to suit the needs of all players. These include High Limit Baccarat, Baccarat No Commission, and Real Baccarat. Some of these are live baccarat games and are brand-new releases.

  • Habanero

    Habanero has so far released three baccarat online titles – Dragon Tiger, Baccarat Zero Commission, and Baccarat. The provider made sure to incorporate a simple setup that packs all the basic features, along with the option to play three positions at once. All games run smoothly and guarantee fair outcomes.

  • Playtech

    Playtech is an industry-leading developer with a packed menu of baccarat variants. Popular titles include No Commission Baccarat, Progressive Baccarat, and VIP Baccarat. Additionally, Playtech’s latest release is titled Prestige Baccarat. It enhances the baccarat experience with five gameplay angles and live replays of winning hands.

  • RTG

    RTG is a top-class provider that has a fantastic baccarat version in its roster. The game layout is straightforward, ensuring that players are comfortable and have easy access to everything. The gaming experience is enhanced by several features, like a history on the previously played hands.

Rundown of the Most Popular Baccarat Variations

Baccarat is one of the most popular games among casino players. The rules are simple and easy to understand, so the game is suitable for both newbies and experienced players. Baccarat has travelled through many different countries globally, and each of them contributed to the creation of multiple versions of the game.

Below, we’ve listed ten popular baccarat online variations. While the basic game rules remain the same, each version includes unique features that we’re about to explain.

  • Punto Banco (American Baccarat)

    Punto Banco is a Cuban version of Baccarat played with up to three dealers and 14 players at once. Six to eight decks of 52 cards are used. The goal is to reach nine or closest to nine before the opposing side does without exceeding nine or going bust.

  • European Baccarat

    European Baccarat comes with two unique features. When the player’s hand total is 5, they can decide whether to draw or stand. Also, since the casino funds the Banker’s hand, no one else can bet in that round if one or two players cover their bet.

  • Mini Baccarat

    Mini Baccarat is very similar to Punto Banco, but it’s played with one dealer and hosts up to seven players. The low table limits are the main reason why this game is so attractive for players. The chances of winning for small-time gamblers are just as good as for high rollers.

  • Super 6 Baccarat

    Super 6 Baccarat is pretty straightforward, and the only difference from classic Baccarat lies in the payout structure. Winning Player and Banker bets pay 1:1, except when the Banker’s hand totals six and the payout is 0.5:1. Tie bets pay 8x players’ wagers, and Super 6 bets pay 12:1.

  • EZ Baccarat

    EZ Baccarat has the same rules as traditional Baccarat, except that Banker bets are commission-free, so you get to keep the entire payout. Otherwise, the rules are simple – bet on Dragon, Tiger or Tie, place a side bet if you want to. As always, the hand closer to 9 wins.

  • Chemin De Fer

    This is a French Baccarat online version where players compete against each other instead of playing against the dealer. It’s played with six card decks, and cards are dealt face down. Players can decide to draw or stand on five. That flexibility sets this version apart from the others.

  • Super Pan 9

    Super Pan 9 is played with a 36-card deck that includes only Aces, Js, Qs, Ks, 2s, 3s, 4s, 5s, and 6s. The goal in this version is to reach a higher total than the dealer. This is achieved either by standing with strong totals or drawing a card to improve your score.

  • Three Card Baccarat

    Three Card Baccarat is played with only one card deck, and both sides get three cards. If Player and Banker have the exact point total, the one with more face cards wins. If the number of points and face cards is even, it’s a tie that results in a push.

  • Baccarat Banque

    Also known as “a Deux Tableaux” or two tables, Baccarat Banque is one of the oldest Baccarat variations. In it, only one player, determined at the very beginning, can play the role of the Banker. The game is played with three card decks and offers more betting options.

  • Dragon Tiger

    Dragon Tiger is a two-card version of Baccarat online where the player bets on the Dragon or the Tiger. Whoever has a higher value card wins the round, and if they get the same value, it’s a tie. If a tie happens, half of all players’ bets go to the house.

Final Words about playing Baccarat Online

Baccarat is a massive attraction at almost every real-life and online casino. Its concept is incredibly simple, the rules are straightforward to remember, and the fun is guaranteed. You can make bets on the bank, the player, or a tied score. It doesn’t get easier than that, really.

So, to sum up, playing baccarat online is a wonderful choice for newbies to the iGaming world and experienced players looking for some fun. Most importantly, the game has bets with some of the lowest house edges. Meaning, it offers good chances of ending up on the winning end of the bargain.

Baccarat Online FAQ

What is Baccarat?

Baccarat is a card game in which the player and the banker try to score as close to nine as possible. This game of chance has a generally low house edge and three main bets alongside several side bets. These days, players can enjoy baccarat online at online gambling sites.

How to win at Baccarat?

Players need to place a calculated bet on the hand they think will win the game to win at baccarat online. In some cases, the player's hand is more valuable. In other instances, however, the banker's hand will win. Additionally, there are rare moments where a tie bet will win. Overall, everything is random, and you can't know what's coming up next.

Is it legal to play Baccarat online?

Yes, it's legal to play baccarat online! Yet, playing baccarat online is perfectly legal only for those players living in jurisdictions where online gambling is legal! As long as you pick a reputable online casino, the activity is entirely legit and safe.

Is Baccarat a game of skill or chance?

Baccarat online is a game of chance since it's entirely based on luck. Simply put, the only choice you make during the game is where you place your bet. As long as you bet on the dealer's or the player's hand, there's a decent chance you'll win.

What is the best baccarat bet?

When you're playing baccarat online, placing a bet on either the banker or the dealer will likely result in a win. Note that if you win a bet on the bank, you must cover a commission on the winnings.

Can you count cards when playing Baccarat?

Baccarat online games utilize a random number generator. This tool ensures that every outcome in the game is entirely random and fair. So, card counting isn't an option as every round everything is restarted as if it's the first-ever round.

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