Online Baccarat for Real Money in NZ

• Content Map
• How to Play at Online Baccarat?
• Types of Online Baccarat
• Most Popular Types of Baccarat Games
• Top Online Baccarat Games
• Useful Tips from Our Experts
• The Best Casinos with Baccarat
• How We Rate the Best Casinos with Baccarat?
• Baccarat for Free vs Real Money Baccarat
• Let’s Sum Up

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How to Play at Online Baccarat?

If you’re interested in online baccarat in NZ, you’ll first need to learn the rules of the game and find out how you can start playing it online for real money. Luckily for you, we have created a simple step-by-step guide that will help you get started with online baccarat.

• Step 1: choose a reliable online casino with baccarat and create an account.
• Step 2: learn the rules of the game and money management
• Step 3: in case you want to play baccarat for real money, make a deposit.
• Step 4: choose the type of baccarat you want to play, as most online casinos offer multiple variants.
• Step 5: start playing.

Rules of the game

Before gambling with real money at online baccarat casinos, you’ll need to familiarize yourself with the rules of this popular game. Fortunately, baccarat is one of the simplest casino games you can find, perfectly suitable for beginners, but at the same time attractive to experienced punters.

In baccarat, the banker and the player compete in trying to obtain two or three cards with a combined value of nine or as close to it as possible, without exceeding it. In this game, cards have different values. There are cards with a value between two and nine, with their values written on them. 10, the Jack, Queen, and King are valued zero. The ace is worth one.

At the beginning of the hand, both the banker and the player get their first draw with two cards. Both of them should add up to the value of the cards. When the value is ten or more, only the second digit is counted. For example, if you get two sixes, your score will be two (6 + 6 = 12, so only 2 will be counted).

However, if the value of the first two cards is either eight or nine, then this is called a natural. The hand that is natural is the winning one. If neither the banker nor the player gets a natural with their first draw, then they may get a third card. However, this is only possible if the banker or the player’s hand has a value between zero and five. If their hand value is either six or seven, drawing a third card isn’t possible.

Bets and Odds

When it comes to baccarat, you have many types of bets you can place. Before creating an account at real money baccarat casinos and playing this game online for real money, it’s important to familiarize yourself with all of them. This will maximize your chances of winning.

• Banker Bets: when you place a bet on the game’s banker, you’re basically saying that you expect the banker’s hand to win the game. If you bet on the banker and the banker ends up winning, the stake is paid 1:1. However, a five percent rake will be deducted from your initial bet. This is because the banker has a mathematical edge over the player.
• Player Bets: when you place a bet on the player, you’re predicting that you’ll win the hand. This type of baccarat bet pays 1:1, but this time no rake is included.
• Tie Bets: whenever you place a bet on a tie, you’re saying that both the banker and the player will have the same score at the end of the round. This kind of stake pays 8:1.
• Pair Bets: another thing you can do when playing real money baccarat is betting on either the player or the banker getting pairs. This kind of stake pays 11:1.
• Multiples: you can also place a combination of bets. For instance, you can bet on the player winning and the banker getting a pair of cards.

When it comes to baccarat return-to-player percentages, that depends on whom you place a bet. When placing a bet on the banker, the RTP percentage will be 98.4%. When you bet on the player, it will be 98.76%. However, if you make a bet on a tie, it will be 85.65%.

Baccarat Terminology

Another thing that all baccarat players should know, regardless of their playing experience, is baccarat terminology. Before joining any online baccarat casino sites, it’s recommended to get familiar with the baccarat glossary. Let’s discuss the most common baccarat terms:

• Action: this is a generic term that’s used to describe the amount of money wagered by a player during one gambling session.
• Baccarat: this term represents the worst possible hand in a game of baccarat. Baccarat means zero in the Italian language, and it describes a hand with a value of zero.
• Caller: a casino staff member who’s in charge of turning the cards, calling out the scores, and dealing extra cards.
• Croupier: this is a French term for a dealer.
• Dealer: in baccarat, the dealer is either a player or a staff member of a casino. This person is in charge of dealing cards, drawing additional cards, and ensuring that the game is running smoothly. In some versions of this popular casino table game, players take turns and switch as dealers. At Baccarat en Banque, you will see two dealers managing the same game.
• Monkey: this is a slang term that’s used for a 10-value card.
• Push: this is a bet that’s neither a losing one nor a winning one.
• Shoe: the shoe is an automatic dealing machine that’s used in baccarat in order to prevent errors that are related to the human factor. There are six or eight decks in a shoe. It’s used at both brick-and-mortar and online casinos.
• Standoff: this term describes an outcome of a hand when both the banker and the player have the same value of cards.
• Vigorish: this is the percentage that’s deducted from the winnings of a stake by the casino you’re playing at.

Types of Online Baccarat

When you decide to play online baccarat for real money, you’ll realize that there are many variants of this game. While you might not enjoy some of them, I’m sure that every casino player can find the right variant of the game for them. Now we’re going to take a closer look at the most common types of baccarat that you can find at online casinos.

Baccarat Punto Banco

This is the most common type of baccarat found in brick-and-mortar and internet casinos nowadays. This is why Punto Banco is most often called just ‘baccarat’. If the variant of the baccarat isn’t pointed out at a casino, you can expect that it’s Punto Banco. In this variant, the casino is responsible for both paying the player’s and banker’s hands, depending on whose hand ends up winning the game.

Chemin de Fer Baccarat

This baccarat variant dates back to 19th century France. Chemin de Fer is especially widespread in France and other Western European countries. In this version of baccarat, there are six decks of cards that are shuffled together at the same time by the players. The banker is always one of the players. Of course, the banker still needs to make a stake, while the rest of the players get two or three cards.

Baccarat Squeeze

This type of baccarat originates from Macau. However, it has become quite popular all over the world. When it comes to this version of baccarat, the player and the banker both get two cards. But the cards in this variant are dealt with their faces down.

The word squeeze refers to the fact that the cards are a bit bent in order to reveal only parts of their values, without showing their numbers. The process of fully revealing the cards is related to the wagers. Moreover, you’ll be happy to hear that some of the sites that enable you to play real money baccarat in NZ offer this variant.

Baccarat Banque

This is yet another French variant of this popular casino table game. In Baccarat Banque, the banker is the person who has made the highest stake. This player remains in the role of the banker until they decide to voluntarily give it up or spend all of their money and can’t place bets anymore.

Mini Baccarat

As its name implies, this type of baccarat is played on a smaller table. This game usually uses eight card decks, and the banker is in charge of dealing. This form of baccarat is popular at both online and land-based casinos.

Most Popular Types of Baccarat Games

If you want to play baccarat online for money, you’ll also need to learn about the most popular types of baccarat games. These aren’t variants of baccarat. We’re talking about VIP, live dealer, and mobile baccarat. Let’s discuss them!

VIP Baccarat

In the beginning, this casino card game was enjoyed by the wealthy who used to place high stakes. This type of baccarat game is here to satisfy the most experienced punters who aren’t afraid of placing very high bets. VIP baccarat uses eight card decks and the player who has the highest bet is allowed to take a glance at the face-down cards. This basically means that this player will know the outcome before the rest of them.

Live Dealer Baccarat

Live baccarat is the type of baccarat game with a live dealer. Playing with a live dealer instead of RNG software brings a completely different gambling experience. In a live dealer casino, you might even forget that you’re playing on the internet and not in a fancy brick-and-mortar casino establishment. When playing real money baccarat online with a human dealer, you’ll be able to fully immerse yourself in the game and communicate with your dealer and the rest of the players.

Mobile Baccarat

Nowadays, people can play baccarat online for real money from any location they want. This is because many internet casinos offer baccarat games that they can play from their smartphones and tables.

Top Online Baccarat Games

Now we’re going to talk about some of the best baccarat online games that you can find in top internet casinos. If you want to play baccarat games online for money, we recommend trying out the following ones first:

Useful Tips from Our Experts

Although baccarat has a low house edge and is one of the simplest casino games to learn, there are still some things to watch out for. Our experts have prepared five tips that will help you become a good baccarat player:

1. Play online baccarat for free: before you decide to try real money baccarat at one of New Zealand internet casinos, make sure to play demo versions of baccarat in order to gain valuable experience and improve your skills.
2. Choose a reputable casino: once you’ve played online baccarat for free for some time and got familiar with all the rules of this casino card game, you’ll be ready to play real money baccarat at an online casino of your choice. The first thing you need to do is to choose a reliable and trustworthy online casino, preferably one from our list that you can find below.
3. Choose which variant of baccarat you’ll play: once you sign up at a casino and claim its welcome offer, check which types of baccarat it has, and then choose the variant that you enjoy the most. Also, keep in mind that the number of card decks the game uses influences the house edge. The more decks it has, the higher the house edge is.
4. Determine a gambling budget: another thing you should do is plan your gambling budget and stick to it. It’s true that baccarat has a low house edge compared to other casino games, but you’ll still want to stick to your dedicated budget and be careful about your bankroll. Our tip is not to spend more than 5% of your gambling budget on one hand. For example, if your gambling budget is 200 NZD, make sure you never bet more than 4 NZD per hand.
5. Find the right strategy: baccarat strategies tend to be based on a negative or positive progression. There are many strategies for playing real money online baccarat, such as Paroli, Fibonacci, The Martingale System, and others. Familiarize yourself with the most popular ones and learn how to apply them, it will increase your winning chances.

The Best Casinos with Baccarat

Most online casinos offer at least one baccarat game, and many of them are available for Kiwis. That’s why we have prepared a list of the best casinos with online baccarat. Check out the list below to find out which baccarat online casinos we recommend!

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How We Rate the Best Casinos with Baccarat?

When rating the best casinos with free and real money baccarat, we need to take a few things into consideration. The most important factors for us are the baccarat variations and modes they offer, casino promotions, safety and security, customer support, mobile compatibility, deposits, withdrawals, and time limits.

Baccarat variations and modes

The best gambling sites that allow you to play baccarat online for money offer multiple versions of this popular card game. Preferably, an online casino should have a baccarat game with a free mode, so that even total beginners at this game can play there and gain useful experience before playing real money online baccarat.

Promotions

Besides a generous welcome offer that includes the money and free spins, we expect that the best baccarat casinos have ongoing exclusive online casino bonuses, both for casual bettors and high rollers. Casinos that we rate high have a good welcome bonus, a loyalty program, VIP bonuses, and regular promotions that occur on a weekly basis.

Safety and Security

The highest-ranked baccarat online casinos are safe and secure, and they hold all the necessary licences from reputable institutions like RNG certificates, the Malta Gaming Authority, and the UK Gambling Commission.

Mobile Compatibility

This is yet another important factor when it comes to baccarat casinos. Most players want to have an option to play baccarat and their other favourite casino games everywhere they go. Playing online baccarat on your mobile is more convenient because you can do it everywhere and whenever you feel like it.

Deposits, Withdrawals, and Time Limits

The best baccarat gambling sites have a wide range of deposit and withdrawal methods. Also, fast payout casinos tend to be more popular among players. Nobody wants to gamble at a casino that takes forever to process withdrawals and deposits.

Customer Support

For us, customer support is one of the most important factors when rating internet casinos with online baccarat. The best baccarat gambling sites should have 24/7 customer support that can be reached via e-mail, chat, and phone.

Baccarat for Free vs Real Money Baccarat

Now we’re going to compare free and real money baccarat so that you can understand the main differences and advantages of the two variations. Take a look at the comparison table below:

Let’s Sum Up

After reading this article, now you should know everything about playing free and real money baccarat at an online casino. Before starting to play it with your money, you should try out various baccarat types, play for free for some time, and find out which online casinos offer baccarat games created by the industry’s most prominent developers.

Posted by: Bohdan B.
Digital Marketing Specialist

Previously, Bohdan has administrated websites in a variety of highly competitive niches, providing and promoting reliable information to users. Based on his interests and experience, Bohdan now works at Gamblorium and along with a team of experts analyses the fast-growing New Zealand online casino market, covering the most important factors.