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Baccarat is one of the oldest casino games that are still played across the world. Since the Middle Ages, it continues to gain popularity and engage players of all backgrounds, experiences, and preferences. This simple but yet entertaining game can offer you everything at once: simple rules, fun, strategies, high bets, and numerous variations.

You can play baccarat online for real money or for free: it is only up to you to decide! But let us warn you: this game is extremely engaging, so you might not want to stop. In these guidelines, we will cover the following topics:

  • The main rules and variations of the game;
  • How we choose the best baccarat casinos;
  • Basic tips and strategies for playing and winning.

When you finish reading, you will know everything needed to start a game of baccarat and enjoy it to the maximum!

Best Real Money Baccarat Casinos in 2021 ?

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Baccarat for Real Money Overview + Rules

The game of baccarat is extremely simple and doesn’t require any specific skills or prior preparations. Actually, it is one of the easiest and quickest card games in the modern market. That is why it’s not surprising that real money gambling sites usually have a big selection of baccarat games. Here is a step-by-step guide on how to play this fun and engaging game:

  1. Depending on your bankroll, choose the size of the bet;
  2. Place a bet on a possible outcome: Player, Banker, or Tie;
  3. The player and the banker are dealt with two cards face up. The system calculates and sums the values of the cards. If there are less than 5 points, a third card is dealt;
  4. The hand holding 8 or 9 wins. If the number of points is the same, it is called a Tie.
  5. If the total value of the cards exceeds nine, the first digit is removed. For example, if the total hand value is 14, it is dropped to 4.

The above are the basic baccarat rules but they may differ from one game type to another. When playing online baccarat real money bets should be made only after getting familiar with all the rules and requirements. And if you want to succeed, we recommend reading further because we have prepared a list of useful tips and tricks to master the game quicker and to ensure great results.

Baccarat Variations at Online Casino Sites

If you are going to play baccarat online for money, be ready to experience the torment of choice because this game will surprise you with a big variety of options. Let us tell you about the most popular game types:

▶ Live Baccarat

Live games are extremely popular and more players choose them over traditional titles due to the realistic environment and an opportunity to talk to other players. Live baccarat comes in numerous variations and when choosing a game from leading software developers, you can experience a full immersion into the process. Such games are streamed from an actual casino or studio and you can even tip dealers;

▶ Mobile Baccarat

Playing on the go is extremely convenient. You don’t have to be stuck at your desk and can play a game of baccarat lying in bed or waiting for a friend in a coffee shop. Most casinos already have devoted applications, so you don’t have to log in every time you want to play and can benefit from unique offers available solely to mobile players;

▶ VIP Baccarat

As you already know, baccarat was initially a game for aristocrats and James Bond. And high-rollers are still extremely interested in baccarat. That is why its VIP version is so popular. It consists of eight decks and has a few differences from regular baccarat. For example, a player with the highest bet can look at face-down cards and know the outcome of the game before others.

Apart from these three versions, there is a speed, progressive, and mini-baccarat each of which has interesting rules and unique features. If you love baccarat, you won’t have to experience a shortage of options!

When playing for free, you can just relax and get familiar with the game without any worries. But if you want to make baccarat online real money bets, it is important to get familiar with possible bet types in advance, instead of leaving everything to the chance. Here are the most common options that you have:

  • Player. When betting on a player, you predict that your own hand wins. This bet has a 1.36% house edge and is very popular among players. There are no commissions or extra fees involved;
  • Banker. This bet has the lowest house edge (1.06%) and declares that the hand of the banker is going to win. However, most casinos apply commissions when this bet wins. Usually, it equals 5%. Make sure to read casino’s terms attentively before making a bet;
  • Tie. When you make this bet, you expect that the hands of a player and a banker will hold the same value. The house edge is 14% but the payouts are also rather high;
  • Pair Bet. This bet is rather straightforward: a player invests money hoping that the card combination will be made out of two same suits. The payout is 25:1.

These four bets are by right considered the most popular options among players not depending on the chosen game type. And knowing them, you can already start playing. However, with time, you can advance your skills by mastering new bets and applying them in practice. Less common but also interesting bets are Big, Small, and Either Pair.

Main Baccarat Types Explained

Mini BaccaratIf you want to play baccarat online for real money but have a limited budget, choosing its mini version will be a great decision. It is played with six decks but has the same Player, Banker, and Tie bets. The main differences are that the table is smaller and the betting limits are lower;
Punto BancoIt is the most popular variation among players from the US and Canada. The rules are standard and the only difference is that the player is called punto, and the banker – banco;
Chemin de FerEuropean players prefer this real money baccarat version and it significantly differs from Punto Banco. In Chemin de Fer, the players act as dealers, have a chance to stand, or take another card if the total hand value equals 5.

Baccarat Gambling Sites You Can’t Miss

Choosing the right online casino is one of the most important factors if you want to play baccarat for real money without any stress. Here are the best gambling sites which can boast not only a solid baccarat lobby but also beneficial promotions and top-notch security measures:

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How We Select and Rate the Best Casinos with Baccarat

How we rateIt is rather easy to get lost when choosing a baccara casino for real money gambling because they come in a huge variety. However, some of them are better than others and if you want to get the best experience and treatment, it is important to choose wisely. Those who want to play a baccarat game for real money but don’t want to waste time searching for a platform can simply pick one of the casinos listed on Gamblorium. We thoroughly check and review platforms based on the following criteria:

Game lobby
As you already know, there are numerous real money baccarat online variations and a solid casino will offer players all of them. When picking a platform with a diverse lobby and you will never be bored.
Bonuses
Promotions are an important part of any online casino and to make the game beneficial you should check whether a platform has a welcome bonus, loyalty program, regular tournaments, and cashback.
Fast payouts
If you don’t want to wait long for withdrawals, casinos with the fastest payouts are the best choice. Usually, the process doesn’t take more than a few bank days.
Safety and security
Trustworthy casinos are fully licensed, use the best encryption software and protocols, and protect players by using thorough policies;
Registration requirements. Some players don’t want to pay much and a $1 deposit casino becomes a great option. We review platforms to ensure that they have transparent rules and affordable terms.
Customer support
Casino’s managers should be available 24/7 to answer your questions and help with creating an account or making a deposit. The best platforms speak several languages and can be reached not only via email and live chat but also on social media and by phone.
Real money & free mode
Giving players the freedom to decide whether to play on real money or for free, indicates that a casino is interested in gamblers and not only in their funds. Such platforms allow users to try out their services and games before deciding whether to invest money or not.
Mobile version
Every day new mobile casinos emerge and it’s not surprising. We check whether a platform runs smoothly on mobile and offers convenience and flexibility.
Secure banking
A big number of accepted payment methods, as well as solid encryption, are a must for a reputable online casino. Modern platforms cooperate not only with credit/debit card mediators but also with e-wallets and cryptocurrencies. If you want to keep your money and sensitive data safe, choose only regulated and licensed platforms from our list.

Every day we analyze the gambling market, evaluate platforms, and update existing reviews to help you make the right choice. You no longer have to waste hours or even days searching for the right platform to play baccarat. Our user-friendly and informative website does the search for you and you only need to pick the most appealing website.

Top 3 Online Baccarat Games for Real Money

There are numerous baccarat games for money that have outstanding design, top-notch software, and customization features. That is why it may be quite difficult to pick the one to play. To simplify the search, we have made a list of the best real-money baccarat games you should definitely try.

NameSoftwareFree versionOur Rating
Baccarat ProNetEnt4.7/5
VIP BaccaratPlaytech4.4/5
Live BaccaratMicrogaming4.3/5

Playing Baccarat Online for Money in Different Countries

Gambling is one of the most popular pastimes but not all players can enjoy it freely. Below we will discuss regulations and legislation of different countries that you should be aware of when joining casinos and playing online baccarat for real money.

United Kingdom
Players from the UK are extremely fortunate thanks to great legislation and protection. It is fully legal to play online if the platform is approved by the gambling authorities. You just need to get familiar with the UK casinos list and choose a platform that you like the most. Usually, all of them have baccarat in the lobby. That is why it’s easy and fun to play baccarat online for cash in the United Kingdom.
Ireland
Online gambling in Ireland is completely legal. Due to thoughtful gambling laws, Irish people can play their favorite games through licensed and certified websites, both domestic and offshore ones. That is why there are numerous online casinos in Ireland and you can find the one which suits you the most. Apart from baccarat, players can enjoy video slots, blackjack, and other engaging games of chance.
Canada
Gambling regulations and requirements in Canada differ from one province to another that is why if you want to play baccarat online for money, first get familiar with the laws. Canada is home to the Kahnawake Gaming Commission, a regulatory body that issues licenses and monitors online casinos. If you want to play at the best Canadian online casino, pay attention to the availability of licenses, the presence of baccarat in the lobby, and a selection of bonuses.
New Zealand
According to the 2003 Gambling Act, online gambling is prohibited. However, this law concerns only local providers, and players are free to gamble at offshore online casinos. Kiwis have access to the best platforms and are not limited in options when choosing a platform to play. Just get familiar with gambling sites for kiwis and pick the one which hosts your favorite games and offers secure payment measures.
South Africa
The South African gambling market is rather turbulent because over the past years games of chance were constantly banned and then allowed. At the moment, you can play baccarat for real money legally if the platform is licensed by the government. Luckily, there are no restrictions concerning offshore platforms. That is why it’s rather simple to find the best online casino in South Africa which meets your criteria.
USA
Regulations of the US gambling market are rather tight and casino games are prohibited in the majority of states. The only exceptions are Pennsylvania, New Jersey, and Delaware. Just pick a licensed US online casino and start playing.

Best Baccarat Casino Promotions

Bonuses at Baccarat CasinosIt is impossible to find a player who doesn’t like bonuses. And considering the market competition, it’s quite easy to find a platform with generous promotions and offers. Here are the top online casino bonuses which you can get upon registration:

  • Welcome package. It is an offer which usually consists of a match bonus up to a particular sum.
    For example, a 100% match up to $200. Thus, you get extra money to play with;
  • No deposit bonus. One of the best ways to try out baccarat real money variations without any risk is to join an online casino that has a no deposit bonus. Players get money upon sign up without a need to make a deposit;
  • Reload bonus. It comes in a form of a match bonus and the only difference from a welcome package is that the reload promotion is offered to regular players and not to the new ones;
  • Loyalty program. The longer you stay with a platform, the more perks you receive. By making deposits, players climb a VIP ladder and get extra money, invitations to tournaments, and other perks;
  • Cashback. Players are able to return a part of their losses on particular days of the week or month. Cashback percentage usually increases along with your VIP level;
  • Ongoing promotions. These are regular bonuses given on certain days or holidays.
    For example, on Mondays or Christmas. They may include cash, draws, and other rewards.

Basic Strategy to Play Baccarat for Money!

When playing a baccarat game online for money you should remember that software developers use random number generators to protect games from card counting and scammers. That is why it is impossible to count cards when playing online. However, there are still several strategies to keep in mind. They include:

  1. Know when the third card should be dealt with. It can significantly impact the outcome of the round, so you should print out or learn by heart a table of combinations and values when the third card is given;
  2. Leave the table on time. Usually, baccarat sessions are fast, so it is difficult to track losses. If you see that you are losing and can’t afford it, it’s time to leave;
  3. Check out the payout percentage. It is a percentage that indicates how much of the betted money you can return at a given platform. A payout of 96% and higher is considered solid. Never choose an online casino with a lower percentage because you might lose lots of money.

Tips & Tricks

If you are playing on real money and want to master the game of baccarat, it is important to get familiar with different tricks. They will not only help you to play safely but also increase your chances of winning. Here are the best tips from our experts:

  1. Set betting and bankroll limits. Amidst the game it is sometimes difficult to think straight, so you should preset a particular sum that you can lose and stick to it.
  2. When the money ends, leave the casino without depositing extra money whether they are your own or borrowed;
  3. Bet on the Banker. It has the highest odds of winning (45.8%) and is the most rewarding bet in a long run. However, the Banker bet is subjected to a casino commission;
  4. Choose a strategy. There are different mathematical strategies that can help you make more favorable bets. The most popular are 1-3-2-4, Paroli, and The Martingale System;
  5. Avoid the Tie bet. It not only has the lowest odds but also an extremely high house edge of 14.4%.

Baccarat Glossary

TermDefinition
BancoIt is the Spanish word for banker which refers to a person/player who deals the cards.
Banker betOne of the most common baccarat bets when a player predicts that the banker’s hand wins. The payout is 1:1 but casinos usually request a 5% commission on the winning bets.
BanqueA baccarat game type with two tables when the banker plays against two players. This variation is mainly popular in Europe.
BankrollA sum of money a player is planning to spend at an online casino.
CommissionThe Banker bet has one of the best house edges, so to ensure the casino’s profitability, operators charge 5% if players win from the Banker bet.
CoupA baccarat round.
CreditsWhen playing in online casinos, the deposited money is converted into credits, a digital currency.
Down or hole cardIt is a card faced down.
Dragon BetIt is a prediction that a hand is going to win by a margin of at least four points. Even though it has a high house edge, this bet is regularly used by players.
Flat betIt assumes betting the same amount not depending on whether the hand wins or loses.
House edgeA percentage that a gambling site wins from the game. The higher the house edge is, the more a casino wins.
La GrandeThe Big One in French which means nine – the best baccarat hand.
LayoutThe sections and boxes of the baccarat table where the bets are made and the dealt cards are placed.
MonkeyA 10-value card ( a ten or a face card).
NaturalIt is the situation when the first two cards value 8 or 9. In such a case, the round ends.
PassA win in baccarat.
PushA bet that is not a winning and not a losing one, so both the banker and the player return their wagers back.
Tie BetWhen players bet on the Tie, they predict that the player and the banker will have the same number of points. It has a 14% house edge and an 8:1 payout.

Play Baccarat For Free vs. Real Money

Players can be divided into two categories: those who prefer playing in a free mode and those who want to grab the luck by its tail and win real money. If you are still not sure which side you are on, let us tell you about the main features of these two options.

Free modeReal money mode
You can learn the rules without any hurry.Access to a bigger game lobby.
You don’t risk anything.Participation in a loyalty program and regular promotions.
There is no need to create and verify an account.A chance to win money.
You are not limited in time. Play as long as you want.You can try out different bankroll strategies.

Brief History of Baccarat

It remains unclear when and where the game of baccarat was first introduced. Some say that it appeared in 2019, while others that it was played in Italy and France already in the 15th century. The most common version is that baccarat was introduced in the Middle Ages by Felix Falguiere in France. It was based on a ritual that originated from Rome and was played using tarot cards.

With time, the game has spread across countries and continents, and multiple variations appeared. The most popular are the Baccarat Banque, Chemin de Fer, and Punto Banco. The last one entrusts the outcome to the chance, while the first two versions can be played using various strategies.

The earliest baccarat variation is Baccarat Banque which has been mentioned by Charles Van-Tenac in Album des Jeux. Punto Banco is the most common variation which was invented in the 1940s in Havana.

Posted by: Catalina
Editor-in-Chief

With 4 years of experience in writing about online gambling, Catalina has decided to gather all her knowledge and share it with others on one platform. Her main goal is to provide detailed information so that players could gamble in a more safe way. Smart and responsible gambling is her motto.


Frequently Asked Questions

How does online baccarat work?
When playing baccarat on the Internet, you only need to make a bet and the rest will be done by the system. You will see the cards on the screen and their value calculation. If you are playing live baccarat, there will be several additional customization features and a chat window.

What are the odds of winning at online baccarat?
Game odds indicate the probability of winning. Baccarat odds differ depending on the bet type. For example, the Banker has 45.86% odds, the Player – 44.62%, and the Tie – 9.52%.

What is the best gambling site to play baccarat for real money?
If you want to play baccarat online for money, choosing the right casino is crucial. There are many reliable gambling sites, so you should only get familiar with our list of approved online casinos and pick the one you like the most.

How do I increase my chances of winning in baccarat?
Even though there are several baccarat strategies available, it is still a game of chance. Modern online casinos also use tools to ensure the randomness of cards, so you can’t calculate the outcome. The best way to increase your chances of winning is to approach your budget wisely.

Does a casino cheat in baccarat?
Unfortunately, there are dishonest platforms where games are not fair. To avoid losing time and money, pick one of the trustworthy and licensed online casinos reviewed by Gamblorium experts.

Can I count cards playing online baccarat?
Software developers supply games with random number generators to ensure that players can’t count cards. That is why you won’t be able to apply this strategy when playing baccarat on the Internet.

What is the best bet?
The best bet in terms of the odds and house edge is the Banker. However, it is usually subjected to a casino’s commission. That is why sticking to the Player bet may also be rather beneficial.

What types of baccarat are there?
There are many baccarat types in the modern market. They include Mini, Speed, Mobile, VIP, and Progressive baccarat.

Is there a strategy to win at baccarat?
If you are joining a baccara casino for real money bets, pay attention to strategies that help to manage your bankroll and leave the game with a profit. The most common are the Banker Bet, 1-3-2-4, and Paroli.

Are online baccarat games rigged?
When choosing reliable online casinos, you don’t have to worry about anything because they are regularly audited, checked on fairness, and cooperate only with the most reputable software developers.