Thought to originate from Italy in the 1400’s, Baccarat is a popular card game found in many of the top online uk casinos. This MansionCasino guide will explore how to play baccarat online including rules, strategies, free-play, real money and payouts, we’ll direct you to the best baccarat casino sites to register with, and we’ll uncover several different versions based on the traditional game that incorporate exciting modern twists. 

The Best Baccarat Casino Sites 

Let’s check out the top five baccarat casino sites as recommended by our expert team: 

Online Baccarat on Betzone Casino 

Betzone Casino Baccarat

The first of our top five baccarat casino sites is Betzone Casino, a popular destination for both sports bettors and casino goers. Licensed by the UK Gambling Commission and operated by Playbook Gaming Ltd, Betzone offers its members a wide variety of online games, trusted payment methods and exciting casino bonuses.

Players will discover a great choice of live baccarat online tables which feature bets from as little as £1 that can rise to a huge £10,000 per round. Popular titles provided by Pragmatic Play and Ezugi include Fortune Baccarat, Mega Baccarat and Speed Baccarat. 

50 Free Spins New Customer Offer. Wager £25 on Drops & Wins Slots & Get 50 Free Spins on Big Bass Bonanza!

Online Baccarat on Fitzdares Casino 

Fitzdares Casino Baccarat

Owned and operated by Fitzdares Limited, this quality sportsbook and casino site is licensed by the UK Gambling Commission. It offers over 1,000 online casino games including a wealth of online baccarat tables in both the regular and live casino lobbies.

Popular titles include Golden Wealth Baccarat, Prosperity Tree Baccarat and Lightning Baccarat supplied by top providers Evolution and Playtech. Every Tuesday you can take advantage of the special casino bonus by wagering at least £10 on any live baccarat game to enter the £1,000 weekly cash draw. 

Join&get up to £100 casino bonus

Online Baccarat on Kwiff Casino 

Kwiff Casino Baccarat

Owned by Eaton Gate Gaming Limited, Kwiff Casino is licensed and regulated by the UK Gambling Commission. It offers members a competitive sports betting platform and a lively online casino. Live casino baccarat online tables are supplied by top providers  Evolution and Pragmatic Play and include the popular titles Speed Baccarat, Fortune 6 Baccarat and the newly released, XXXtreme Lightning Baccarat.

In the regular casino lobby, titles can be found by Iron Dog Studios, Play’n GO and Switch Studios which include Mini Baccarat, 3D Baccarat and No Commission Baccarat. Take advantage of the Live Casino Drops & Wins promotion to be in with a share of the £9,000 prize pool from the Daily Prize Drops for playing live baccarat online tables. 

Grab up to 200 Cash Free Spins on Book of Dead!

Online Baccarat on Pub Casino 

Pub Casino Baccarat

Pub Casino is owned and operated by L&L Europe Ltd with licenses held from both the UK Gambling Commission and the Malta Gaming Authority. With over 2,000 online games to choose from, it’s not hard to locate several online baccarat tables. These are powered by top developers like Pragmatic Play and Evolution.

Popular tables include Speed Baccarat, First Person Lightning Baccarat, Baccarat Control Squeeze, 3D Baccarat, Peek Baccarat and Golden Wealth Baccarat. There are no specific baccarat bonuses but you can claim a warm welcome from a 100% deposit match bonus up to £100. 

100% UP TO £100 WELCOME BONUS

 Baccarat Online Parimatch Casino 

Parimatch Baccarat

Parimatch is owned and operated by BV Gaming Limited, its heritage spans back as far as 1994 and it is a popular destination for UK players. Licensed by both the UK Gambling Commission and the Government of Gibraltar, the site offers its members over 3,000 online casino games.

The casino baccarat online tables are mostly powered by Evolution, Pragmatic Play and Ezugi with popular titles including Fashion TV Baccarat, Speed Baccarat, Baccarat Squeeze and Prosperity Tree Baccarat. There is no specific baccarat casino bonus but you can claim multiple free spins bonuses. 

Get up to £60 of bonuses + 20 free spins

How we choose the best Baccarat casinos

Selecting a baccarat casino site that best suits your needs can prove to be a tricky dilemma, especially with so many available it’s hard to know which one to choose. All of our recommended online baccarat casinos are selected very carefully with various elements needing to pass our strict rating guidelines.

Here’s an overview of the factors we take into consideration before stamping our seal of approval:

  • License & Regulation: All casino baccarat online sites must be licensed and regulated by a trusted gaming authority such as the UK Gambling Commission.
  • Safety & Security: All baccarat casino sites must offer reliable payment methods and utilise top spec SSL encryption technology to protect any sensitive data. We would also expect top sites to offer responsible gambling tools such as deposit limits, reality checks, time-outs, self-exclusion.
  • Games & Software: All baccarat casinos need to offer a variety of online casino games from top providers such as Evolution, NetEnt and Pragmatic Play. Games must be tested by third party auditors to guarantee legitimacy and comply with fair gaming protocol.
  • Modern Variants: All top baccarat online sites will offer a range of modern variants based on the traditional game, e.g., Peek Baccarat, Golden Wealth Baccarat, or Speed Baccarat.
  • Mobile Compatibility: All of the best baccarat online casinos will be fully optimised to adapt to any size screen whether smartphone or tablet. Mobile casinos will typically offer the same functions as the desktop version and are compatible with both iOS and Android devices.
  • Payment methods: All of the best baccarat casino sites should offer a range of payment options to include debit cards, e-wallets, mobile pay and bank transfers. Top banking providers include Visa, PayPal and Apple Pay.
  • Fees & Processing: The best casino baccarat online sites will offer fee-free transactions, instant deposits and speedy withdrawals with no limits.
  • Customer Support: We would expect the top baccarat casino sites to offer 24/7 customer support that is responsive, knowledgeable and helpful. It should be offered via multiple channels to include email and live chat as a bare minimum.
  • Bonuses & Promotions: All top online baccarat casinos will offer attractive online casino bonuses but these must have fair and achievable terms. We expect to find a welcome bonus plus a variety of casino promotions such as reload bonuses, cashback offers, free spins deals. 

How to Play and the Rules for Online Baccarat 

Baccarat is one of the easiest casino card games to learn and ideal for beginners. The objective of Baccarat online is to predict whether the banker’s hand or the player’s hand will be the closest to a value of 9. There is also the potential to make a side bet on a Player Pair, Banker Pair or Tie.

All face cards and tens have a value of 0, aces count as 1, and all other cards carry the point value stated on their face (2 through to 9). The hand with the highest point value wins. When placing your wagers, Clear Bet will remove all bets from the area, Undo will remove the last bet from the table, Rebet will repeat the wager made on the last round, and Double Bet will double every wager made.

How to Play Baccarat Online

Here’s a quick-step guide to get you started:

  1. Choose from one of our top recommended online Baccarat casino sites
  2. Select the Baccarat online table you want to play at and open the game
  3. Choose from chip values in the bottom right corner and place your bet
  4. You can bet on the Player hand, Banker hand and/or Tie, plus other side bets
  5. Click Deal to start the game, results are determined by a Random Number Generator

Online Baccarat Game Rules

Two cards are dealt to both the Player and the Banker. If the cards in either hand total more than 10, simply subtract 10. For example, 5 + 7 is dealt equaling 12, this counts as a score of 2 in online baccarat. A tie results from both hands having equal point values.

In the basic baccarat online strategy, a third card may be drawn by either hand, however, for the Player it’s fairly straightforward but for the Dealer, it depends on whether the Player hand has drawn and if so the value that has been drawn.  

Player Strategy

Point Value For Two Cards Player Action 
5 or less Draws a third card 
6, 7, 8 or 9 Stands 

Banker Strategy 

Point Value For Two Cards Draws a Third Card When the Player’s Third Card is: Does Not Draw When the Player’s Third Card is: 
0, 1, 2 Always draws a third card  -
0, 1, 2, 3, 4, 5, 6, 7, 9 8
2, 3, 4, 5, 6, 7 0, 1, 8, 9 
54, 5, 6, 7 0, 1, 2, 3, 8, 9 
66 or 7 0, 1, 2, 3, 4, 5, 8, 9 
7Always Stands  -
8 or 9 Player Cannot Draw Player Cannot Draw 

Common Bets for Online Baccarat

  • Player Bet: A wager placed on the Player’s hand
  • Banker Bet: A wager placed on the Banker’s hand
  • Tie Bet: A wager placed on the result being a Tie
  • Player Pair: A wager placed on the Player drawing a pair in the first two cards dealt
  • Banker Pair: A wager placed on the Banker drawing a pair in the first two cards dealt
  • Perfect Pair: A wager placed on either the Player or the Banker drawing a suited pair on the first two cards dealt
  • Either Pair: A wager placed on the first two cards being dealt to the Banker or Player from a pair
  • Big Bet: A wager placed on the total of both the Banker and Player hands totals 5 or 6
  • Small Bet: A wager placed on the total of both the Banker and Player hands totals 4
  • Double 8: A wager placed on the Banker and Player hands will total 8
  • Royal Match: A wager placed on either the Player or Banker drawing a King and Queen on the first two cards dealt
  • Super 6: A wager placed on the Banker hand totaling 6

Baccarat Table Layout

There are three basic table layouts for casino baccarat online, a mini, a midi and a big. The only significant difference is size, the bigger the table the more players can be seated and the higher the bet limits may be. There will be spots for Banker bets, Player bets and Tie bets as a minimum and an area for side bets if the game has them.   

Understanding the Payouts

Baccarat online payouts are pretty simple to understand when playing the most common version of the game, Punto Banco (American Baccarat): 

BetOddsPayoutHouse Edge 
Banker45.86% 1:1 with 5% commission1.06% 
Player44.62%1:1 1.24%
Tie 9.52%8:1 14.36% 

So, looking at the table above, the odds are the chances of you drawing a win on each bet, we can see that the Banker’s bet has the best odds with the Player’s bet just a fraction behind. The chances of winning a Tie bet are extremely low.

When we look at the payouts for online Baccarat, the Tie Bet comes out on top, however, when coupled with the house edge, the difference between what you win and what you take home can vary significantly. Take for example a wager of £10, here’s what you would receive:

  • Banker’s bet: Win £20 minus the 5% house commission pays £19 minus the 1.06% house edge gives you a take home of £17.94.
  • Player’s Bet: Win £20 pays £20 minus the 1.24% house edge gives you a take home of £18.86.
  • Tie Bet: Win £80 minus the 14.36% house edge gives you a take home of £65.64.

Betting on either the Player or Banker is one of the best strategies to use, especially for beginners. If the game results in a Tie, wagers placed on either the Player or Banker will be returned.  

Online Baccarat Versions 

Here are the main casino versions of baccarat online that you may come across:

  • Punto Banco: also known as American Baccarat, most popular version to be found in all online casinos. Players bet on Banker, Player or Tie and cards are dealt face up with no optional plays.
  • Baccarat Banque: predominantly found in European casinos, the Banker is selected at the start of each round, player is dealt two cards and the banker one, the game can take place with one player.
  • Chemin de Fer (Chemmy): also known as the French version, cards are dealt face down and players can choose to take a third card or not, the game needs a minimum of two players.
  • Live Baccarat: Streamed live from within a studio, faster gameplay, also features different variants that incorporate a range of side bets. 

Playing Online Baccarat for Free or Real Money

Now that you know the rules of online baccarat a little better and what you can expect in payouts, it’s time to start playing. Many of the top baccarat casino sites will offer you the choice of playing for free or real money, so if you want to test out the gameplay first, why not play for fun first.

Play for Free

The best way to practice baccarat online is by playing for free on the casino’s demo version or by playing our baccarat free-play game here on the MansionCasino site. Although you cannot win real money nor cash out any winnings, it does give you the chance to learn the game rules and understand the betting actions and payouts, all with no risk involved.

Play for Real Money

Once you feel confident with the rules and gameplay, it’s time to start playing casino baccarat online for real money and hopefully win some cash! Just register at one of our recommended real money casinos, activate your account, deposit some money and load up the casino baccarat online real money game. 

1

18+ New Customers only. GB and ROI only. Use promocode: casino50 Minimum deposit & wager £25 on Drops & Wins slots required. 50 x 10p free spins on Big Bass Bonanza valid for 7 days, winnings capped at £500. Wagering must be completed within 24 hours of registration. Restrictions + T&Cs apply.

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New UK based customers only. You must opt in (on registration form) & deposit £20+ via a debit card to qualify. Offer valid 7 days from registration. Welcome Bonus: 100% match up to £100 on 1st deposit. 50x wagering applies (as do weighting requirements). Free Spins: Awarded on Gold Blitz once you have staked £20 on any Global Game. Spin value = 10p. No wagering requirements on free spin winnings. 

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18+ new players only. Min deposit: £20. Max £100 bonus. Max bet with active bonus: £2. Wagering required 100% match bonus: 30x deposit + bonus. Max win from welcome bonus: £500. 100 Free Spins are given out 20 per day on Book of Dead for 5 days in a row. Max Free Spins winnings: £100. Free Spins winnings credited as bonus money with 45x wagering & 3 days expiry. Deposit bonus & Free Spins wins are forfeited 30 days after bonus is credited if the wagering is not met. Game weighting and restrictions apply. Play Responsibly www.begambleaware.org

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New Customers only. Opt-In Required. 100 Spins awarded on God of Fire, valued at 20p per spin. Spins awarded on 1st deposit of £20+. 30x Wagering applies as do weighting requirements. Debit card deposits only. The offer is valid for 7 days from your new account being registered. Irregular gameplay may invalidate your bonus - Full Terms apply

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This promotion is for new customers only. Customers must be 18+. Customers must be residents of the UK/IE.

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New Players Only. Wagering occurs from real balance first. 50X wagering the bonus. Contribution may vary per game. Available on selected games only. The wagering requirement is calculated on bonus bets only. Bonus valid 30 Days from receipt. Max conversion: 3 times the bonus amount. Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms Apply.

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Terms and conditions apply. New players only. 18+. Min deposit £20. Spins available for: Book of Dead. Wagering requirement apply 35x. Offer valid for 24h.

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New players only. Opt-in Required. Only for UK Players. Wager from real balance first. 50X wager the bonus. Contribution varies per game. selected games only. Wager calculated on bonus bets only. Bonus valid 30 Days from receipt/ free spins valid for 7 days from issue. Max conversion: 3x the bonus amount or free spins: $/€/£20. Excluded Skrill deposits. Withdrawal requests voids all active pending bonuses. Full Terms Apply.

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New players only, 18+. £10 minimum deposit. 40x wagering requirement. £5 max bonus bet. £250 maximum cashout for each individual bonus. Bonus will expire in 30 days. Free spins will expire in 48 hours. Full terms and Bonus terms apply. BeGambleAware.org.

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* New customers only. Opt-in required. 100% Match Bonus up to £50 on 1st deposit of £10+. 50x bonus wagering applies as do weighting requirements. Debit Card deposits only. Irregular gameplay may invalidate your bonus. This offer is valid for 7 days from your new account being registered. Full Terms apply. Bet The Responsible Way. 18+

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New Players Only 18+ (UK only). Minimum Deposit: £20. Maximum Offer: 150% Bonus up to £150 & 100 Spins on Book of Dead. Bonus & Spins winnings must be wagered 35x before withdrawal. Spins expire after 24hours. Promo Code: BOOK100. Withdrawal terms apply. Valid until 31/12/2023. www.begambleaware.org. View Full T&Cs

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18+ New Customers only. Opt-In Required. 100 Spins awarded on God of Fire, valued at 20p per spin. Spins awarded on 1st deposit of £10+. 30x Wagering applies as do weighting requirements. Debit card deposits only. The offer is valid for 7 days from your new account being registered. Irregular gameplay may invalidate your bonus . Please gamble Responsibly. T&Cs apply. begambleaware.org

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18+ New Players.100% bonus on first deposit up to £50 & 20 bonus spins credited immediately for Book of Dead only.Min dep £20.Max bet £5.Max cash-out £250.40x wagering.Bonus expiry 30days.Spins expiry 2days.Game restrictions.T&C Apply.

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18+. Terms and Conditions Apply. Available only on Big Bass Bonanza game. Min. Deposit £10. Offer valid for 24 hrs. No wagering is required. See full terms here.

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Min. 1st dep. of £20 and above with code LVIPSP. Max bonus £200 on selected match slots; 40xWR (Dep + Bonus) & MCR x5 for Bonus. 20 Free spins on CLEOPATRA slots only. FS & FS winnings are playable on CLEOPATRA.FS: 50xWR.MCR x5.18+ only. Full T&C apply.

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18+. New players only. Min deposit £20. bonuses to a max of £100 + 50 bonus spins. Wagering bonus 35x. Wagering bonus spins 35x. The winnings must be wagered within 21 days. Max Bonus Bet is £4. BeGambleAware.org. Bonus T&C apply.

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18+ | Please play responsibly | www.begambleaware.org | 1st deposit only | min deposit £10 | max bet with bonus £2 | max bonus £100 | X40 wagering | bonus spins valid for selected games only | X40 wagering on bonus spins winnings | expires within 24 Hours | User Agreement & Bonus T&Cs apply.

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Welcome bonus for a new players only | Maximum bonus is 100% up to $/€/£ 123 | Min deposit is $/€/£ 10 | No max cash out | Wagering is 50x bonus | Maximum bet while playing with a bonus is $/€/£ 5 | Eligibility is restricted for a suspected abuse | Skrill and Neteller deposits excluded |

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Welcome bonus package on first 3 deposits 1st Dep. Min £20. 50x wagering (bonus & deposit). max bonus to cash 5x. 20 Free spins. 35x wagering. Max bonus to cash £30. Claim once. See full T&Cs for 2nd & 3rd Deposit offers. Full T&C's apply.

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Applies only to new depositing players. 18+. Minimum deposit: £10. 35x Wagering requirement applies to match up bonus. Spins credited in specific games. Spins expire after 24 hours. Wagering requirement applies to spins. Terms and Conditions apply.

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New players only, £10 min fund, £8 max win per 10 spins, max bonus conversion equal to lifetime deposits (up to £250) to real funds, 65x wagering requirements and full T&Cs apply here

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Full T&Cs apply (https://www.pinkcasino.co.uk/promotional-terms). New player only. 7 days to claim offer and deposit a min of £10 with a further 7 days to wager 35x. Cash stakes only and wagering contributions vary. Max reward £150. 50 wager-free spins 0.10p each on Big Bass Splash awarded after wagering complete, winnings paid as cash. 3 day expiry. 18+ BeGambleAware.org

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18+. New customers only. Spend £10, get £50 Bonus (40x wagering, selected games) + 50 Free Spins (value £0.10 each, selected games). Bonus and Free Spins valid for 7 days. Restrictions and T&Cs apply.

51

18+. New players only. 100% bonus on first deposit up to £50 & 100 bonus spins (50 spins on day 1, 25 on day 2, 25 on day 3) for Book of Dead slot only. Min first deposit of £20. Max bonus £50. Max bonus bet £5. Max bonus cash-out £250. 40x wagering requirements. Bonus expiry 30 days. Bonus spins expire after 48 hours. Game restrictions apply. Full Terms Apply. Gamble responsibly.www.begambleaware.org

52

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Baccarat Online Tips and Strategies 

So, you’ve tested the demo game, you’ve studied the game rules, you’ve discovered the best baccarat casino sites to register with, now let’s give you a few handy tips and possible strategies for playing real money casino baccarat online:

Baccarat Tips

  • Register with a licensed online baccarat casino
  • Play baccarat online for free prior to real money
  • Learn the game rules and any basic strategies
  • Start with low stakes to conserve your budget
  • Stick to wagering on either the Player’s hand or Banker’s hand
  • Avoid Tie Bets, these are for players who can afford to high roll

Online Baccarat Strategies

We’ve discussed the basic baccarat online strategy of betting on the Banker’s hand or Player’s hand as they both have a better house edge and higher chances of winning. Tie bets are for those experienced high roller players who can read the table and who can afford to lose heavily.

Here are a couple of example strategies that experienced players may employ when playing online baccarat:

  • The Martingale Strategy: this is classed as a negative progression strategy whereby you select a base bet. For every win you stick to the same base bet but for every loss you double your next bet, only returning to your original base bet amount once you win again, for example – bet £10 and win, bet £10 and win, bet £10 and lose, bet £20 and lose, bet £40 and win, return to betting £10.
  • The Paroli System: this is classed as a positive progression strategy whereby you select a base bet. For every loss you keep the bet at the same amount, but for every win you double the bet, for example – bet £10 and win, bet £20 and win, bet £40 and lose, return to betting £10. 

Mobile Baccarat 

Playing baccarat online from your mobile device is more or less the same as playing from your desktop. The only slight difference is that the game has been fully optimised to adapt to any size screen which enables touch-based controls. This can result in a slightly different experience to your desktop but it does mean you can play your favorite game at your chosen baccarat casino from wherever you may be.  

Let’s now take a look at some of the common terms you may come across when playing baccarat online:

  • Baccarat: derives from the Italian word for ‘zero’ which is the worst hand you could have
  • Banker Bet: one of three core betting options
  • Commission: a percentage taken by the house on a winning bet
  • Flat Bet: when a player sticks to the same bet amount for each hand
  • House Edge: the statistical percentage a casino claws back on wins
  • Natural: when the first two cards dealt equal 8 or 9 it is a ‘natural’ win
  • Player Bet: one of three core betting options
  • Push: a bet that is neither a win nor loss which is carried over to the next round
  • Shoe: the machine which deals the cards
  • Standoff: when the Banker and Player have the same total points resulting in a tie
  • Tie Bet: one of three core betting options 

Online Baccarat FAQs

What is a natural win?

A ‘natural’ win is when either the Banker or Player scores 8 or 9 points from their first two cards dealt. This also signals the game round is over.

What is the difference between a Banker, Player and Tie bet?

With these three baccarat bets you are placing a wager on which one you think will win, the Banker or the Player, or whether the game will end in a Tie. 

Are Baccarat outcomes random?

Yes, baccarat online games utilise random number generators which are tested regularly by third party auditors to ensure fairness. 

What is a winning hand?

A winning baccarat hand is the one which has a value closest to 9 points.  

How are the cards dealt?

Two cards are dealt to both the Banker and the Player face up. A third card may be drawn but these come with their own set of rules which we’ve outlined in our guide.