Online Baccarat

James Bond’s favourite game from the comfort of your home, or wherever you happen to be. Online baccarat is the exciting way to play this upscale card game whether you’re an experienced high roller or a first-timer.  Each coup will keep you at the edge of your seat. And with several variations of the popular game, you will find the perfect one for you.

Tipanis Shudraka
| May 20, 2024 | Reading time: 9 min | Views: 15.3K

Best Online Casinos With Baccarat

Online baccarat has many variations, but not every online casino will offer everyone. Whichever online casino you choose, you can expect to see at least a few variations of online baccarat. 

If you are wondering where to play the best online baccarat tables, check out our curated list of approved casinos. These sites are ones our experts have tested and approved. If it’s made it onto our list, you know it’s a high-quality casino.

You can get so close to the action in online baccarat, you’ll think you’re actually at a table in Macau. 

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At we put player safety and security first. While we do accept a commission from partners which may affect brand positioning, we are dedicated to only working with trustworthy and reliable operators. All our reviews are written and rated independently of the paying partner and we reserve the right to decline commissions from operators who do not meet our standards. Our list of top live casinos is not comprehensive of every casino operating in the market but is updated continuously with the best and newest brands.

So pull up a chair, cause we have everything you need to know about this popular game. 

And a lot, a lot more. What are you waiting for? 

What is Online Baccarat?

Online baccarat is a great and thrilling way to play baccarat online with your mobile or computer. But T=this isn’t your typical online gaming experience. Instead, there is a real casino dealer, real cards, and the ability to interact with your fellow players through a chat forum. 

An online casino dealer sits at a physical table with players able to get in on the action by betting using a digital interface. This is live, in real-time, where anything can happen. Big wins included. 

Live Baccarat

The setting is an upscale Asian casino, which gives you a real experience with ambient casino sounds and other active tables in the background. 

Since this is live, you really need to pay attention to the game. With a standard baccarat game lasting 48 seconds, these games move pretty fast. 

Wondering about your winnings? No need, since your winnings are credited immediately to your account.  

Online Baccarat Video Gameplay

How to Play Online Baccarat

Evolution online baccarat dealers use an 8 deck manual dealing shoe. It is changed after 7 decks have been used. All the decks are manually shuffled by a dealer’s assistant.

Players can keep up with the game through live betting statistics and interactive roads. The interface is user friendly and each ‘room’ provides how-to-play guides. 

The basic rules of baccarat are fairly simple. 

Two card hands are dealt with the player and the bank. The objective of the game is to get as close to 9 as possible. 10s and picture cards are zero, aces are one, and the other cards score based on their face value.  Depending on the score of the first two cards, sometimes a third is dealt. If a hand adds up to more than 9, only the second digit of the score is used. 

Baccarat Step 1 Baccarat Step 2 

For example, a hand consisting of a 2 a 3 and an 8 equals 13 so the score would end up being 3. 

Baccarat Step 3 Baccarat Step 4

The rules for how a baccarat hand plays out:

  • If the player or banker are dealt a score of 8 or 9 in their first two cards, known as a natural hand. They automatically win. A natural 9 will beat a natural 8. 
  • If the player’s first two cards equal 0-5, a third card must be drawn. 
  • If the player’s first two cards equal 6 or 7, a third card can’t be drawn. 

Baccarat Step 5 Baccarat Step 6 Baccarat Step 7

That being said, the banker also has a set of rules they follow: 

  • If the banker has a two-card score of 0-2, a third card is automatically drawn.
  • If their two-card score is 3, the Banker draws a third card if the player drew a third card (unless it is an 8)
  • Two card score is 4, the Banker draws a third card if the player drew a third card between 2-7
  • Two card score is 5, the Banker draws a third card if the player drew a third card between 4-7
  • Two card score is 6, the Banker draws a third card if the player drew a third card between 6-7
  • Two card score is between 7 and 9, the banker does not draw. 

The banker always draws according to the above rules, even if standing on their two-card score would allow them to win. 

With online baccarat, there are two additional side bets. Not every casino offers every side bet option. They can include: 



Player Pair 

The first two cards are pairs


Banker Pair 

The first two cards are pairs


Perfect Pair 

If two identical cards (in terms of value and suit) are dealt as the first two cards to either the player or the banker


If two identical cards (in terms of value and suit) are dealt as the first two cards to both the banker and the player 




Either Pair 

A single wager on the banker or player having a pair



With rules and bets varying between variations of baccarat, be sure to check out our pages for additional tips and strategies. 

Variations of Online Baccarat

While baccarat is a classic casino game with a fixed format, live dealer baccarat is a different story. There are a whole host of imaginative variations out there, so just when you think you’ve had enough of the one you can move on to the next. 

Below you can see the other most popular variations. Remember that not every casino will have all, or even most of these games, and don’t forget to check out our guides to specific games.

  • Speed Baccarat
  • Baccarat
  • Salon Privé 
  • Multi-Camera Baccarat
  • Baccarat Squeeze
  • Baccarat Control Squeeze
  • Lighting Baccarat
  • No Commission Baccarat
  • Dual Play Baccarat
  • Baccarat Multiplay 

There are so many to choose from, you might just have to try them all! 

Baccarat Bonuses

Most online casinos have incentives for new players to join – normally in the form of bonus cash. Sometimes you’ll be given a small amount of cash to play with without even making a deposit yourself. Other times, whatever your first deposit is will be matched by the casino. 

If you get hooked up with some bonus cash, you can always use it to hit the live dealer baccarat tables. You might even find special promotions especially to get players to try baccarat for the first time, like boosted payouts for a limited time. 

For more information on online baccarat bonuses, check out our online casino bonuses section. 

Live Baccarat Bonuses

Welcome Bonus

Welcome bonuses come in different shapes and sizes, but by far the most common for online casinos is what is known as a “match bonus” or sometimes just a “deposit bonus”. With this type of welcome bonus, the casino will match your first deposit up to a certain value, normally at a rate of 100%. Deposit bonuses are more valuable the more you are prepared to deposit yourself, and they mean that you get to start betting with a significantly increased bankroll.

The only catch is that the bonus money provided by the casino is not eligible for immediate withdrawal. Instead, you need to gamble with it a predetermined number of times (known as wagering requirements or turnover) before it’s unlocked and you can withdraw it like normal cash. This is how the casino protects themselves from their bonuses being taken advantage of. 

No Deposit Bonus

Another popular welcome bonus doesn’t require any financial commitment from the player at all. A no deposit bonus involves the casino giving you a small sum of bonus cash absolutely free, just for signing up. No deposit bonuses tend to have fairly strict wagering requirements attached, and you stand to receive considerably less bonus cash than you would with a deposit bonus.

No deposit bonuses are amazing offers, since it means you can play for and win real money with no personal risk at all. This makes these types of bonuses perfect both for low stakes players or brand new converts to online casino games, who are looking to test out the waters for free.

Regular Promotions and Other Bonuses

Casino bonuses really are a win-win. As players, we get to try out games for free or the chance to earn some extra cash. For casinos, they basically translate into more people signing up, using their site and playing their games, and realistically betting more of their own money in the long run. For this reason, there are tons of other bonuses and promotions out there.

Lots of casinos have reward systems or loyalty programmes, which become more valuable the more you play. Sometimes you can earn loyalty points, which you can cash in for bonuses or prizes of your choice. Many casinos choose a certain day of the week when you can claim a certain promotion, like reload bonuses on Sundays or free spins on a Tuesday. There are loads of ways bonuses can make your life easier.

Online Baccarat on Mobile

While online dealer baccarat can look intimidating on the computer screen for new players, it’s really very user friendly. The same is true on your mobile device. You are still transported to the same red and gold styled casino, none of the sound or picture quality is lost, and you can still chat with the casino dealer and other players. 

No matter where you are, you never need to miss out on the chance to play online baccarat. Check out our section on live casino apps to see which online casinos have apps and for more information. 

Tips and Strategy

Are you ready to get in on the action of online baccarat? We’ve got some experts tips and strategies to get you started and have fun. While we can’t guarantee a big win, we can help get you closer to one. 

Here are our top tips and strategies that will help you have the best online baccarat experience.  

Top 5 Tips to Play Online Baccarat

  • Don’t fall into the trap of playing before you understand how online baccarat works. Take your time, study the rules and observe the online tables before you take a seat.
  • Always go in with a strategy for managing your bankroll. Decide how much money you’re willing to gamble every session.
  • Once you’re confident, try out some of the other online baccarat variations. 
  • Only play with reliable software and a strong internet connection, to avoid technological problems. 
  • Use the live statistical tools the game provides to help guide how you play.

Bet on the Player for Extra Value

With Online Baccarat, you can bet on either the player, banker or tie.  The payouts are the same if you bet on the player or the banker. (1:1). With the payouts for a tie being 8:1. However, if you bet on the banker and win, you end up paying a 5% commission. So a bet for the player will see you getting more money in your account in the long run. 

Avoid tie-bets, which have a significantly worse RTP.

Do Your Research 

As mentioned there are several variations of this game. Each one has different bets, side bets and infographics. It can be a bit overwhelming trying to remember all the rules and regulations. But don’t worry, most online casinos offer up in-game help, including, how to play, card values and third card rules among other options. 

We also have full guides for some of the most popular versions, which are perfect for both new and experienced players. The important thing is to take your time and understand the game before risking big bets.

Be Disciplined 

Baccarat requires concentration and careful play. Losses can occur over long sessions when your focus has dropped and you aren’t playing with the same care as you were at the beginning. Deciding on a bankroll for the session and timeframe in advance are great ways to stay in control, which ultimately leads to better play and more wins. 

Real Money Baccarat vs Free Play Baccarat

Baccarat is a relatively complicated game (at least if you’re new to it), and also not quite as popular as the likes of blackjack or roulette. For this reason, playing virtual baccarat for free is a great way to learn the game before you risk playing for real money. With classic virtual baccarat, the software and flow of the game feel exactly the same whether you’re playing for free or for real – although of course the buzz of potentially winning real money can’t be replicated.

Unfortunately, you can’t exactly do the same thing with an online baccarat. Like all online casino dealer games, you normally can’t play online baccarat for free. If you want to practice we recommend hitting the free virtual tables or observing an online casino dealer table to get an understanding of how the game works.

Get in on the Action!

Online baccarat can make you feel like a VIP high roller from the comfort of your home. It is an exhilarating and fast-paced card game that is easy to play and fun to watch. There is no need to feel intimidated by the tables and other players. Everyone is welcome at online baccarat. The online betting statistics and interactive roads keep your head in the game. While the online casino dealers and decor transport you to an elegant casino floor. 

There are so many different varieties of online baccarat that you will have hours of card playing in front of you. Check out our recommended casinos, read up on the variations and have fun
and play safe. 

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Can I Play Live Baccarat for Free?

No. While you can play classic virtual baccarat for free at many casinos, you normally cannot play live baccarat for free.

Is Live Baccarat Safe to Play Online?

Yes. As long as you are playing via a safe and reputable casino, which is fully licenced and independently regulated, you can rest assured that there is no risk playing live baccarat.

Is there a live dealer? 

Yes. The dealer is actually playing against you and dealing you cards in real time.

Can you win the bonus bet if you don’t opt in? 

No. You have to make the additional bonus bet for the round if you want to have the option of winning. No bonus bet means no bonus wins.

What is the RTP for Casino Hold’em? 

The theoretical RTP for live Casino Hold’em is 97.84%. The theoretical RTP for the bonus bet is 93.74%.

Do you play against other players? 

No. You play against the house (dealer).

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Tipanis Shudraka Tipanis Shudraka

Online gambling enthusiast & player for 10 years. I analyze online casinos according to their security, license and game selections. I love casino table games like blackjack, roulette and poker. Sharing my own game experiences here in Betspin.