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What Are The Best Online Casinos For Baccarat?

Baccarat is one of the fastest-growing games in the online casino industry and the live casino scene, with online baccarat becoming ever more popular. The type of baccarat you’ll find in most online casinos is also known as Punto Banco.

Baccarat is much more popular in Asia than in Europe or North America, but the simple and fun nature of the game, plus the casino industry’s attempts to popularise it, mean that this is quickly changing.

When it comes to playing baccarat online you should know that you won’t find a huge amount of rule changes from game to game, no matter where you play. However, there are still a few interesting variants of the game that can spice things up.

These days, many casinos in Europe and North America offer baccarat, and you’ll be hard-pressed to find an online casino that does not offer online baccarat games.

Table last verified correct on December 9, 2016.

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Most casinos, including all of the online casinos on the list above, take a small commission on winning banker bets. If you don’t know what that means, don’t worry – we’ll explain later on.

Other casinos say there is no commission, but will only pay you half your bet or sometimes not at all under certain conditions. This is much worse for the player and games like this should be avoided.

The list of online casinos recommended above all take commission in a way that’s better for online casino players, and some offer additional interesting baccarat features including unusual game variants or the ability to squeeze the card, as is tradition in live casino baccarat games.

How to play baccarat online

Baccarat is by far and away the most popular casino card game in Asia, and it’s quickly catching up to games like Pai Gow and blackjack in Europe and North America, too.

It’s a really simple game, even more so than blackjack, which is one of the major reasons for its success. The basics of baccarat can be summed up in just two steps: first, you pick a side that you want to bet on; second, both sides receive two cards and try to make the highest score.

That’s all there is to it!

The points system in online baccarat

The points system in baccarat is very simple: all cards are worth their face value, save for an ace which is worth a single point. Tens, jacks, queens and kings are all worth zero.

One thing to note is that if your hand totals 10 or more (for example, you have a pair of fives) then only the last digit of that number is counted. So a score of 14 (such as 6-8) is actually only 4; a score of 18 (9+9) is actually only 8, and so on. For this reason, the highest possible score in baccarat is 9.

What does Banker and Player mean in baccarat?

There are three bets that one can make playing online baccarat: you can bet on the player, the banker, or a tie. Note that while the dealer has the banker’s hand and the player has the player’s hand in front of them at the tables, you are free to bet on either.

The player bet and the banker bet are very close to even-money wagers, and the low house edge is what helps make baccarat so popular. The banker is a slight favourite against the player, but due to the commission in most casinos they are almost equal in house edge.

A winning bet on the banker pays out even money, minus a commission of usually around 5%. A winning bet on the player pays out even money, while a winning tie bet pays out usually at 8/1. The tie bet is where the house edge is highest.

What are the rules for the third card in baccarat?

There are a lot of different rules about when the player or banker receive a third card, but they are automatic and don’t require any decision-making on the part of the player. The rules are different from casino to casino, but generally follow a similar pattern. Since you can’t affect this outcome in any way, just sit back and watch!

Superstition in baccarat

Baccarat is inherently a superstitious game, and players keep track of how the hands played out over previous deals and try to predict the next cards accordingly. This has no basis in actual baccarat strategy, but it’s a well-loved part of the game.

Another tradition in live baccarat is to slowly squeeze the cards so you only reveal your hand after great suspense – in fact, many casinos have to throw away baccarat decks because the cards are so bent afterwards!

Online baccarat FAQ

If you still have some additional baccarat questions, hopefully these answers can help clear up any confusion!

What is a good commission rate in baccarat?

Typically, the commission in baccarat will be five per cent. In fact, if the commission is any higher than this, then we recommend you don’t play at that online casino. There are many other great places to play online baccarat that don’t charge extortionate commissions.

If you can find a commission lower than five per cent, then that is a fantastic deal. A four percent commission, for example, gives the house a very slim edge of just 0.6 per cent.

What is the house edge in online baccarat?

In a standard game of online baccarat, assuming a five per cent commission and an 8/1 payout on tie bets, the house edge is approximately 1.06 per cent.

What different types of baccarat are there?

Baccarat is one of the most popular casino card games in the world, alongside blackjack. For that reason, there are a ton of different baccarat variations available. You can play punto banco, chemmy, banque and many more at live and online casinos around the world. Additionally, you may find some online baccarat games with special promotions and jackpots attached – however, these generally have a higher house edge, so bear that in mind before you place your bets!

Is it possible to count cards or beat the casino playing baccarat?


Unfortunately there is no sure-fire method to beat the house playing baccarat online or live. Unlike blackjack, where a skilled card counter can gain an edge with a smaller number of decks in play, there is no such way to beat the house in baccarat as there are fewer player decisions involved. That doesn’t mean it isn’t fun to try, though!