Baccarat Online for Real Money

Written by: Webster Lupton, Online Casinos and Sports Journalist
Last updated:
9 minute read
Real Money Baccarat

The best thing about playing baccarat online for real money is the house edge is low, and the players will have plenty of opportunities to win and win big.

Online Baccarat is one of the most fun and attractive casino games available, mainly because it’s fast and packed with lots of adrenaline.

Also, real money baccarat payouts make the game even more appealing for both new and regular avid casino fans.

Our SBS experts spent plenty of time reviewing the best betting sites where to play online baccarat. After reading this guide, you will know how the game works, the best places to play, and how to win real money with baccarat online.

Best Online Baccarat Sites 2024

Payment Grade
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  • 1
    500% Up To $7,500
  • 2
    300% Up To $1,500
  • 3
    280% Up To $14,000
  • 4
    150% Up To $3,000
  • 5
    200% Up To $7,777
  • 6
    100% Up To $5,000
  • 7
    100% Up To $3,000
  • 8
    250% Up To $12,500
  • 8
    100% Up To £30

How to Play Baccarat for Real Money Online?

How to Play Real Money Baccarat

Before you can play baccarat, you must sign-up to one of the online casinos above and deposit.

After making your first casino deposit, be sure to claim your welcome bonus to have a larger bankroll to play baccarat online.

When you’re ready to go, this quick guide will help you figure out how to play baccarat.

  1. Place Your Bet

    Choose how much money you will bet, and then decide whether to bet on the tie, banker, or player.
  2. Cards Get Dealt

    Each player and banker receive two cards face-up. If your combination is lower than five, you get a third card to reach the closest number to 9 to win.
  3. Find If You Won

    The online casino software will do the math and tell you if the player or the banker was the winner or a tie. If you choose the right side, you can collect the winnings or try again if you lost.
  4. Payouts

    If you correctly bet on the banker, the casino will pay 95% of the bet, with 5% going to the house.

    Betting on the player pays 100% of the investment and correctly predicting the tie result brings a payout of 8/1.

Online Baccarat Rules

Baccarat Rules

For many, baccarat might be a complicated game to understand, but the reality is that it isn’t.

The goal of the game is to bet on either the player or the banker. The side that gets closer to 9 wins the bet.

In order to achieve the goal of the game, there are a number of basic rules to be aware of, such as:

  • Baccarat games get played with a 6-deck or 8-deck shoe
  • The player always goes first, and then the banker
  • Face value cards are worth 0 points
  • The Ace is worth 1 point, not 11 (as is the case in Blackjack)

Where to Play Baccarat online – Best Real Money Casinos

Choosing the right online casino to play baccarat shouldn’t be a difficult task. The point is to find online casinos with the best reputation, great promotions, and good customer service.

Our experts have done the homework, so you don’t have to. They compiled a list of the best casinos to play baccarat online, using the factors above and some other key features. 

The following ones are all secure and strongly recommended.

Rank Online Casino Deposit Bonus Get Started
1 Deposit Bonus 500% Up To $7,500 Play Now
2 Deposit Bonus 300% Up To $1,500 Play Now
3 Deposit Bonus 280% Up To $14,000 Play Now

Baccarat Types of Bets Explained

The most common bets in baccarat are the player, the banker, and the tie, but bettors can also wager on side bets.

These bets are a little less traditional and will have bigger casino payouts to attract players.

However, let’s go over the conventional bets to see how they work:

Player Bet

Player Bet Baccarat

The player always gets to draw cards first, which means you will stand or draw before the dealer makes his next move.

If you draw less than 5 points, you must draw a third card. If you draw 6 or 7, you will stand.

And if finally, you draw 8 o 9, you don’t have to do anything but collect the winnings because those two numbers are considered natural wins.


Banker Bet Baccarat

The banker’s turn comes after the player. The banker stands if they draw 7, 8, or 9.

If the player draws a third card, and the banker’s total is not a natural win between 0-5, the banker gets a third card as well.


Tie Bet Baccarat

The tie bet wins if the Player and the Banker reach the same number of points in a hand.

This type of bet has an 8/1 payout because it’s a more challenging bet to hit.

But because this happens less frequently than the other two options, the tie bet is not seen as a smart bet but rather a long shot.

Real Money Baccarat Variations

People played baccarat worldwide, and that’s how we find several variations for the game. Although baccarat comes in different versions, the basics are similar. These are the most popular baccarat variations:

Punto Banco Baccarat

Punto Banco

Punto Banco is the Cuban version of baccarat, and up to 14 players can play simultaneously. The rules are the same, with the difference that the player is called punto and the banker, banco. Despite the Spanish names, the rules of the game are the same as traditional baccarat.

Traditional Baccarat

Traditional Baccarat

Traditional baccarat is what we have been explaining in this guide. You bet the player, the banker, or the tie to win the wager. The goal is to get as close as 9 points as possible to win the bet.

Chemin De Fer Baccarat

Chemin de Fer

The winning formula for Chemin de Fer is the same, but the banker bet moves every time the banker loses. The rest of the players on the table bet the player side against the bank. Once the banker loses, the player on the right becomes the bank, and the rest of the table will bet against him.

Mini Baccarat

Mini Baccarat

Mini-baccarat is a lower-stakes version of the traditional baccarat. The table has a smaller size with lower limits, as mentioned before. The rules for mini-baccarat are the same as the regular game, but the payouts vary.

Online Baccarat Tips to Follow

Baccarat online for real money is primarily a game of chance and luck. There isn’t a bulletproof strategy that will make you an instead winner.

There are a few tips you can follow to be in the best position to win, such as:

Tip #1Don’t Wager On The Tie Bet

The tie pays 8/1 odds for a reason. Sure, it’s a great win if you hit, but there are small chances to predict a tie accurately.

The house edge is 14.4%, which is considerably bigger than the player or banker bet.

Tip #2Bet on the Banker

The banker has a house edge of just 1.06%. It is by far the lowest of the three bets. The player bet has a 1.24% edge, the second higher of the three wagers.

You won’t be able to bet on the banker on every round but try to do it as much as possible.

Tip #3Consider Payouts

Know that each bet has a different payout. The player bet has 1:1 odds. The banker bet has 1:1 odds as well, but it comes with a small commission.

A tie bet pays 8:1, but as we mentioned above, you shouldn’t bet on it.

Tip #4 Avoid Betting Systems

Baccarat is not a game you can beat with a strategy but rather it is a game of luck based on the cards drawn by the dealer. Don’t get scammed buying baccarat systems because they don’t work.

Mobile Baccarat for Real Money

Mobile Baccarat Play

The great news about playing in trustworthy online casinos is there is no need to download a real money baccarat app.

Players can enjoy every casino game, including baccarat, directly from their mobile browser, be it on an iOS or Android device.

The best thing about playing baccarat for real money on your mobile is the convenience of having a casino in your pocket. As you can even play live dealer baccarat for more real time fun on the go.

You can wait for a train or stand by in line to pay for the groceries and win money playing baccarat on your phone.

Players can register, deposit, claim casino bonuses and take advantage of all the details of a real casino adventure.

Ducky Luck Casino on phone screen

DuckyLuck Casino offers a first-class mobile experience when playing Baccarat. They have a highly rated platform that allows their games to run smoothly on mobile and tablet.

Other Casino Game Options To Try

Below you’ll find other real money games to play directly on your phone.

Baccarat Glossary

Banco: Banco stands for the Bank or the House. This bet has a slightly higher chance of winning than Punto or the Player, but it has a house fee.

Bankroll: A bankroll is a term used in gambling to refer to the amount of money a gambler has for gambling purposes.

Burn: It is the act of discarding the first card in a shoe. The idea is to disrupt the order of cards to always assure a fair result. This system is used in many cards games.

Callman: It’s another name for the dealer or the casino person who “calls the game.

Commission: The casino receives a certain amount of money when a baccarat player makes a Banco bet. The bet is typically worth 5%.

Down Card: This is a card facing down in a game.

Face Card: These cards are the ones with a face on them, such as kings, queens, and jacks. In baccarat, the value of these cards is zero.

La Grande: It’s the French translation of “The big hand,” which means the natural win of hitting nine points during a baccarat game.

La Petite: It means “The little one” in English. It refers to the natural hand that is worth eight points.

Natural: The term describes a two-card hand of baccarat that is worth either 8 or 9. When a natural hand is drawn, the hand is automatically declared the winner.

Punto: It’s what we usually know as the Player in traditional baccarat. Punto is often used in Punto Banco, which is the Cuban version of baccarat.

Shoe: It’s the box that holds the decks of the cards during a baccarat game.

Standoff: It’s also known as a tie bet. This means both the Player and Banker have a standoff with cards of equal value.

Up Card: This is a card facing up.

History Of Baccarat

History of Baccarat

Baccarat, which is a French word meaning “a game of skill,” was invented by a Frenchman named Charles de Faucigny in the 1700s.

He first played the game with his friends as a game of chance at an upscale casino, where he served as a manager, but it eventually became more than just a simple gamble.

Due to its popularity, people started playing the game and it eventually became a mainstay in casino gambling. Its popularity continues to grow today.

It is one of the most popular card games, and the ability to play online allows you to play anywhere you want and anytime you want.

Place Your Bets & Win Real Money Playing Baccarat Online

Baccarat for real money

Online baccarat for real money is a fast-paced game with lots of action and opportunities to win. Unlike other casino games, baccarat is based on luck, which means anybody can play and win.

Now that you have reached this point in the guide, you know how to play, the terms to use in the game, and the best online casinos where you can enjoy any of your favorite baccarat versions.

Choose one of the trustworthy online casinos we recommend above, sign-up, claim your welcome bonus, and start winning today!

Online Baccarat FAQ

Is online baccarat rigged?

No, online baccarat games are not rigged. The online casinos we listed have earned a license that ensures the players will get a fair shot at winning when gambling on baccarat or any other game.

Can you make money playing baccarat online?

Yes, you can make money playing baccarat online. To do so, you need to sign-up and deposit real money to gamble. Then, with plenty of consistency and luck, you can make plenty of money playing online baccarat.

About the Author

Webster Lupton

Webster Lupton

Online Casinos and Sports Journalist

Webster is a seasoned journalist and accomplished writer specializing in sports and casino content, boasting an impressive three decades of expertise in his field. His wealth of experience extends to his role as an adept researcher and a published author.

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