How To Play Baccarat Online

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Along with roulette and blackjack, baccarat is a part of the unbreakable trio of the most popular table games. Baccarat is relatively easy to play, making it an excellent choice for new players and casino veterans alike. You don't have to be a master of casino games to try your luck, as most actions are performed automatically by the live dealer. However, if you really want to maximize your chances of winning each game and play like a real pro, there is no doubt that you need to learn and understand the game. With this article, you will learn how to play baccarat in no time. Read on!

In this article, you'll learn

  • Baccarat Rules
  • Card Values
  • Tips and Tricks

Baccarat Rules

Baccarat may seem very confusing at first, but overall it is one of the easiest games found in online casinos. The objective of the game is to predict which hand will have a value closest to nine. There are no game decisions required from the player in live baccarat because all outcomes are determined automatically. At the beginning of each round, players can wager on one of three outcomes:

  • Player — betting that the Player’s hand will win.
  • Banker — betting that the Banker’s hand will win.
  • Tie — a bet that both hands will have the same value.

Players can also choose to place their chips on optional side bets, such as the P Pair and the B Pair bets. The most important thing to keep in mind is that the name of the hand, Player or Banker, does not correspond to you, the player, and the house. Players can wager on either hand for a chance to win a payout, the only difference is that 5% commission is taken from wagers on the Banker’s hand. In fact, wagering on the Banker can be strategically advantageous, as it carries a house edge of 1.06% compared to the Player house edge of 1.24%.

Live baccarat is usually played with eight 52-card decks. The game presenter will begin the round by dealing two cards to each of the two hands, and the hand with a value of nine or closest to it will win the round. If both hands have the same point value, Tie bets are paid out and the Player and Banker bets push (return to the player).


Baccarat Card Values

  • Cards two through nine take their face value.
  • Aces are worth one point.
  • Kings, queens, jacks and 10s are all worth zero points.

Note that the final values must be between zero and nine. When the total value reaches 10 or more, the tens digit is dropped, and only the remainder is in play. For example, if a hand consists of two nines (a total of 18 points), the hand will be valued at eight (18-10=8).

If the Player or Banker is dealt a hand of eight or nine with the first two cards, it is called a ‘natural’, and no additional cards will be dealt. If the Player or Banker receive a hand of zero to seven points, then the Third Card Rule is consulted to determine whether another card will be dealt. The player will always go first.

Player Third Card Rule

  • If the sum of the Player’s first two cards is between zero and five, then a third card will be dealt.
  • If the sum of the Player’s first two cards is six or seven, the Player stands.
  • If the Player has a natural (eight or nine), no additional cards will be dealt.

Banker Third Card Rule

Whether or not the Banker receives a third card depends on the Banker’s first two cards' point value and the Player’s third card, if one was dealt.

  • If the Banker’s hand totals to zero, one or two, a third card is dealt regardless of the Player’s third card.
  • When the Banker has three points, the Banker receives a third card unless the Player’s third card is an eight.
  • When the Banker has four points, a third card is dealt unless the Player’s third card is zero, one, eight or nine.
  • At five points, the Banker receives another card unless the Player’s third card is zero, one, two, three, eight or nine.
  • At six points, the Banker receives another card only if the Player’s third card is six or seven.
  • If the sum of the Banker’s first two cards is seven, eight or nine, then the Banker stands.

After all cards have been dealt according to the rules above, the round will conclude and the hand with a value closes to nine wins.

How Are Bets Paid?

In total, there are three main bets that players can place in live baccarat:

  • Player — is an even-money bet, with a payout of 1:1. The probability of a Player win is 44.62%.
  • Banker — will pay 0.95:1, to account for the 5% house commission. The probability of a Banker win is 45.85%. Without factoring in the Tie, the odds of a Banker win jump to 51%.
  • Tie — if the two hands tie, players who wagered on Tie will enjoy a payout of 8:1. The probability of hitting a Tie is only 9.53%, bringing the house edge up to 14.36%. For this reason, it is always advisable to avoid betting on a Tie, since the house advantage increases considerably.


Side Bets

In addition to the three main bets, live baccarat tables may feature optional side bets for a chance at greater payouts. Here are the most common baccarat side bets and their respective payouts:

  • P Pair — Pays 11:1 if the Player’s first two cards are a pair.
  • B Pair — Pays 11:1 if the Banker’s first two cards are a pair.
  • Perfect Pair — Pays 25:1 if two identical cards (suit and value) are dealt to either the Player or the Banker. Pays 200:1 if two identical cards are dealt to both the Player and the Banker.
  • Either Pair — Will pay 5:1 if either of the two hands has a pair.
  • P Bonus and B Bonus — These two bets depend on whether the hand is a natural or not and by how many points a non-natural hand wins. NN=non-natural, N=natural, NT=natural tie, the number designates the number of points by which the player won. NN9 (30:1), NN8 (10:1), NN7 (6:1), NN6 (4:1), NN5 (2:1), NN4 (1:1), N (1:1), NT (push).

Baccarat Variants

How To Play Baccarat Online

Several baccarat variants are now offered at physical casinos, as well as on online gambling platforms. The most popular baccarat variants are:

  • Lightning Baccarat — In Lightning Baccarat, a 20% fee is applies to every wager placed. After betting closes, a Lightning round will occur where one to five random cards will be selected and assigned a multiplier of 2x, 3x, 4x, 5x or 8x. If your wager wins and the one or more of the cards are among the Lightning cards, then your payout will be multiplied by the corresponding multiplier.
  • Baccarat Squeeze — The only difference in Baccarat Squeeze is how fast the live dealer will reveal the cards, depending on the wagers placed. The hand with the lesser total wagers will be revealed quickly, and the second hand will be squeezed. If total wagers are equal or the highest wager total is on Tie, then the dealer will quickly reveal the Player’s hand and will squeeze the Banker’s second card, as well as any additional cards dealt to both hands.
  • First Person Baccarat — First Person Baccarat can be enjoyed without a live dealer, where players are pitted against the RNG algorithm. First Person Baccarat offers the three main bets in addition to six optional side bets: P Pair/B Pair, Perfect Pair, Either Pair and P Bonus/B Bonus.
  • Baccarat No Commission — Unlike most baccarat tables, Baccarat No Commission will not deduct a 5% commission from every Banker wager. Instead, wagers on Banker will pay 1:1 unless the Banker’s hand wins with six. In this case, Banker bets will pay only 0.50:1.

Baccarat Tips and Tricks

There are several practical tips that you can use to help you make responsible gambling decisions and take your baccarat gameplay to the next level.

  1. Master the rules — It is a reminder that may seem superfluous, but it is very important if you really want to improve your chances of winning in baccarat. Baccarat is a simple game but tends to create a lot of confusion around the difference between the bets. Many players assume that, as a player, they must wager exclusively on the Player’s hand to get the most of the game. That is not always the case, so make sure to familiarise yourself with the game’s rules before playing!
  2. Choose the right variant — Baccarat is now available in several variants. Each of these variants has specific rules, some of which significantly impact the probability of winning and the house advantage. Take these parameters into consideration to choose the most advantageous variant for you.
  3. Bet on the Banker — Betting on the Banker's hand offers the greatest statistical advantage. A common baccarat strategy involves placing more of your wager on the Banker; however, keep in mind that most baccarat tables charge a 5% commission on Banker bets.
  4. Avoid betting on Tie — Unlike bets on the Banker's hand, tie bets are the least likely to hit (side bets aside). The house edge on a Tie is significantly higher, so it’s best to avoid this wager (especially if you are new to baccarat).
  5. Manage your bankroll — As with all games of chance, bankroll management plays an essential role in your baccarat gameplay's success. In short, it's all about setting limits before you start playing and sticking to them. Losses are inevitable; thus, you must establish your bankroll and stop playing when your entertainment budget is drained. Never mix personal finances with online gambling and make sure to always make responsible gambling decisions.

Play Mini Baccarat Online

Before you dive in and place your first wager on baccarat, we recommend trying out the game in a free-to-play demo version. This game mode is available to registered EnergyCasino users and allows you to practice playing baccarat entirely for free. All wagers and winnings are virtual, making demos the perfect playground for new players and those interested in perfecting their baccarat strategy. When you’re ready to advance to live gameplay, head to our Live Casino to explore our portfolio of premium baccarat tables from Evolution and LiveG24. See you there!


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Baccarat is a casino card game which has multiple variations. It’s traditionally considered a high roller game, and it’s also a little old-fashioned. It offers gamblers no chance to affect the odds via decision-making, but it might be a reasonably fun guessing game for a certain type of person. This page provides an introduction to the history of the game, some advice for learning how to play, and some thoughts on winning strategies.

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The History of Baccarat

The name of the game means “zero” in both Italian and French. I’ve seen sources that claim that version of baccarat date back to the late 15th century, making it one of the oldest games played in modern casinos.

Baccarat didn’t become popular in the United States until the 1950s, and some might argue that it’s not especially popular there now. For years, baccarat was presented as the game of choice for James Bond, but eventually it became so old-fashioned that they updated Bond to a poker player. (See the movie Casino Royale, where Bond plays Texas hold’em for the first time onscreen—in most of his previous appearances, he played baccarat.)

Baccarat strategy last 9 bets

How to Play Baccarat

In some respects, baccarat is similar to blackjack. Both games feature playing cards, and both games have the player comparing her hand with the dealer’s to see who wins. That’s where the similarities end, though.

Numbered cards are scored according to their face value. Face cards are worth 0, and aces are worth 1. These points are totaled, and the value of the right digit in the total is the determining factor for winning. So the final score on any baccarat hand is a total of 0 through 9.

The casinos have elaborate rules and procedures for how the hands are played. If the player or banker has a total of 8 or 9, then the hand is considered a natural. If the player has a total of 5 or less, the player has to hit—otherwise the player has to stand. If the player stands, the banker must hit a total of 5 or less, but if the player hits, the banker has to consult a chart to determine whether or not to hit.

The winner is the person with the higher score. Winning bets pay off at even odds, UNLESS the player is betting on the banker to win. In that case, the casino takes a 5% commission.

How to Win at Baccarat

The player doesn’t get to make any decisions besides how much to bet on each hand, and on what, so there’s not much strategy to baccarat. In fact, the only strategy worth mentioning is to take the one bet at the table with the lowest house edge.

A bet on the banker in baccarat has a house edge of 1.06%. A bet on the player has a 1.24% edge.

Players can also bet on a tie, but that’s such an outlandishly bad bet that I’d be surprised if anyone exercises the option. The house edge on that bet is 14.36%.

Some people might try to use a Martingale System strategy on baccarat, but that strategy doesn’t work for baccarat any more than it does for roulette or any other game.

The Martingale Strategy requires a player to double her bet after every loss. When she eventually wins, she’ll recoup all of her losses plus a single betting unit.

The problem with this strategy is that it would only work if the player had an infinitely large bankroll and no betting limits.

How To Play Baccarat

The fallacy behind the Martingale Strategy is that it assumes that long losing streaks are much rarer than they actually are. The Martingale is particularly ill-suited for baccarat because the game is traditionally played at fairly high limits to begin with. Doubling a $100 bet three or four times in a row results in some very high wagers indeed.

How To Play Baccarat Online

Look at what $100 turns into when double eight times in a row. $100, $200, $400, $800, $1600, $3200, $6400, and $12,800. Just to place all those wagers would cost a player over $25,000. And if, after that losing streak, the player won…well, she’d only be up by $100. I don’t know anyone who thinks that risking almost $13,000 to net a win of $100 is a good strategy.

Besides that, few casinos will allow bets beyond a certain limit. I don’t know of any online casino which would accept that kind of action, but even a high roller who found a brick and mortar casino who did accept that kind of action wouldn’t be able to change the immutable negative odds.

How To Play Baccarat Online In The Us

Baccarat might be a fun little guessing game, but it’s got about as much strategy as flipping a coin. Only when you’re flipping a coin, you’ve got even odds—in baccarat, the house has an edge. Play it for fun if you want to, and don’t be afraid to walk away a winner, but forget about finding a way to gain an edge over the casino with this game. It’s not going to happen.