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Let’s get one thing straight – there is not one single surefire Baccarat strategy guaranteeing you wins. Anyone who claims they have cracked the Baccarat code is either a Trump supporter who yells at kids to get off their lawn or a self-righteous and self-proclaimed “expert” lacking the bankroll to back up him boasting his uncanny skill and technique. And although there’s not really one foolproof strategy per se, considering how much based on the chance the game is, there are some rules you can follow to ensure a pleasant time at the Baccarat table.

How to Play Baccarat – The Rules In a Nutshell

First and foremost – learn the mechanics of the game. Make sure you know the rules, how the cards are dealt and what their value is. It can be boring learning all the intricacies like when the player stands and when the banker hits but if you’re betting your money, you need to have a complete understanding of what’s going on.
Despite the fancy suited high-rollers we’ve come to associate with Baccarat, it doesn’t take the intellectual prowess and deductive reasoning of a British Secret Service agent to ace it. In fact, this is probably the most straightforward game you can play at a casino. Despite all the prestige surrounding the game, it’s really nothing more than a coin toss, so once you’re familiar with the terms and bets, you’re all good to go. To prep you up for a night at a glitzy land-based casino or a game at an online live table, here’s a crash course on how to play Baccarat.
Baccarat is played at large kidney-shaped tables that can sit 12 players and two dealers, plus a caller. In front of every player, there are two fields – Player and Banker. Each player places their bet before the cards are dealt and chooses whether their wager goes to the Player hand or the Banker hand. There is also a third option – Tie if the Player and Banker’s hands have equal value. The version of Baccarat played at American casinos is called Punto Banco which stands for Player and Banker. After all players have placed their bets, the Player and the Banker are each dealt two cards. The hand that wins is the one that’s closer to a total of 9. So, if the Player hand is 8 and the Banker hand is a 3, the winning one is the Player and all punters at the table who have placed bets on the Player hand, win. If the hands are equal, it’s a loss for everyone who has bet on Player / Banker and a win for all that have bet on a Tie.

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The Good, the Bad and the Player – Baccarat Bets to Make and Avoid

The first step towards winning is to avoid the Tie bet. Not that we don’t like it or anything but if you’re in it to win it, then wagering your money on a bet with a 14-percent house edge is not exactly a surefire winning strategy. Next, you need to know the odds – although it seems pretty straightforward having only two options to bet – either Player or Banker, there are slightly different odds for the two as follows:

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  • Banker – 45.843%
  • Player – 44.615%
  • Tie – 9.543%

*There’s also a commission on the Banker bet so make sure you’re familiar with these before placing a wager.

The Banker Bet

With its higher odds, the Banker bet seems like the most reasonable choice when designing a Baccarat winning strategy. Experts will advise you to bet your money on it because it has been estimated that it will win more than 50% of the time – one of the reasons casinos add the 5% commission on it. Despite this being added, it’s still a preferred choice for many players – both newbies and seasoned pros who swear by it. Experts will also recommend that you keep betting on Banker until it loses as it has a better chance for winning streaks and that you wait for at least one bet after a Banker loss before switching to Player.
A good thing to always keep in mind is that hot/cold tables and winning/losing streaks are pure myths born by the gambler’s fallacy that in even odds bets after many consecutive outcomes of the same results, the opposite one is just bound to happen. There’s absolutely no mathematical or any other proof of such co-dependency so we advise that you don’t employ such practices.

OutcomeCombinationsProbabilityBanker Bet ReturnPlayer Bet ReturnTie Bet 8 to 1 returnTie Bet 9 to 1 return
Banker Wins2,2922,252,566,437,8880.4585970.435668-0.458597-0.458597-0.458597
Player Wins2,230,518,282,592,2560.446247-0.4462470.446247-0.446247-0.446247
Tie475,627,426,473,2160.095156000.7612480.856404
Totals4,998,398,275,503,3601-0.010579-0.012351-0.143596-0.048440

*Baccarat Odds

The Player Bet

Although the Banker bet is typically assumed as the better option, it’s a bit different when you’re using a strategy. Considering the commission on the Banker bet, it will be less lucrative when you’re using progressions. Let’s say, you’re playing Martingale – you are doubling your bet after every loss. After four consecutive losses at a 10-unit wager, you’ve lost 150 units (10 + 20 + 40 + 80).
You bet on Banker again and this time you wager 160. Finally, you win and the total payout is 304 units. That’s the 160 stake plus the 160 win, minus the 5% commission. The total amount wagered was 310 (10 + 20 + 40 + 80 + 160) which means that even though you’ve won, you haven’t covered your losses and due to the negative progression and the bet commission, your net loss is 6 units. A similar streak of losses while betting the Player hand would have given the expected 1 unit of profit, that is 10. Despite its lower odds, it’s the better option when playing with systems.

The Tie Bet

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Baccarat is known as the casino game with the lowest house edge, however, the Tie bet can definitely tarnish its reputation. The Banker is recommended for its low edge of 1.06%, the Player is also a good option with a house edge of 1.26% and then there’s the Tie bet – standing at the staggering 14.4% house edge, defying logic and critical thinking. Naturally, it’s not a good call to place your money on a bet that has less than 10% odds and the possibility of paying back only 14 units per very 100 units wagered. That’s why the most logical thing would be to avoid it and play as if it doesn’t exist. A tie is a push, so your wager will just wait for the next round. If you’re following a streak and you get a Tie, simply don’t count it and keep playing accordingly.

Practice Baccarat for Free

You can test this experts’ advice in our demo game and see for yourself whether betting successively on Banker yields the highest winning potential. Play for free Baccarat by Pragmatic Play and use its features to hone your betting strategies. The game follows standard baccarat rules and has payouts as follows:

  • Player Win – 1:1 (Even Money)
  • Banker Win – 0.95:1 (with 5% commission)
  • Tie – 8:1 (in case of Tie, Banker Bet and Player Bet are Push)
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Played with eight decks, this version keeps history of the last twenty results indicating B for Banker, P for Player, and T for Tie. You have also options to rebet or place different bets before each new deal. With a betting range of 1 – 100 and 500 free credits, the game will also allow you to test out some of the progressive betting systems described below.

Using Betting Systems in Baccarat – It’s Not Stupid if it Works

Some practices used in other table and card games can also be applied to Baccarat. Both simple strategies like the D’Alembert and more sophisticated ones like the Labouchere system can serve your purpose of beating the odds at Baccarat. Positive progression systems like the Parlay and Paroli or negative progressions are also applied by players. To find out how you can use popular betting systems like the Fibonacci progression or the 1-3-2-6 system, read more details about Baccarat betting systems on our dedicated page.

Positive Progressions

Using a positive progression system means that you increase your bet every time you win and reduce it after a loss. Positive progressions are considered to be less damaging to your bankroll than negative progression betting systems. They are supposed to help you maximize your winnings if you go on a lucky winning streak and keep your losses to a minimum if you end up having consecutive losses. In theory, they do make sense and it is possible to win more money if you get a series of winning outcomes and soften the blow to your wallet in case of several consecutive losses. Positive progressions do not influence your chances of winning or losing a bet and are generally no risk at all.

Negative Progression Systems

Negative progressions are just the opposite of positive progression systems and can actually be harmful to your bankroll. In essence, they postulate that you should increase your wager after every loss and reduce it after a winning bet. At first glance, they seem logical and it’s easy to see why some gamblers will be tempted to try them. The theory behind them is that when you increase your bet, eventually your win will be big enough to cover your losses.
A closer look at how they work will reveal all the problems about such betting practice. There’s a very real risk that you will eventually run out of money, especially if you’re doubling your bet. Besides, there’s the bet limit of the house you need to consider – even if you have enough money to keep betting, the cap of the bet amount will prevent you from placing a wager big enough to cover your losses. Unless you’re very experienced and know exactly what you’re doing, such systems can be a recipe for disaster.

Flat Betting Strategy

Unlike positive and negative progression systems where you have to alter the amount of your bet, a flat betting strategy for Baccarat means that you will be repeatedly placing the exact same wager in successive rounds of play, regardless of whether you lose or win. This approach is considered advantageous due to the lower risk in case of a losing streak. But how can you win more using a flat betting strategy? The best way to profit from the flat betting strategy is to determine correctly which hand will win, Banker or Player, with the accuracy higher than 50 percent. Using the flat betting strategy means that you will place the same amount of bet on every hand. While this is an effective way of minimizing the risk, it doesn’t guarantee big wins. It’s useful if you’re still getting used to the game and not very certain of the rules.
What are the benefits of using the flat betting system instead of the negative or positive progressions?

  • Flat betting offers higher chances of actually making a profit.Since you don’t double or increase your bet in flat betting, there’s a smaller risk of overspending. Not adding more money to your wager reduces the risks of bigger losses and presents a better chance of making a profit.
  • You can bet more. Flat betting gives you the option for more bets at a lesser value since you don’t double the wager neither after a win, nor after a loss, the way you would in progression systems. You can bet more money because you won’t make big losses due to doubled bets.
  • You can use it if you’re not very well versed in the rules. Flat betting is suitable for beginners because of its simplicity and lower risk. You don’t need to make calculations and you can apply it even if you’re not familiar with the rules like drawing additional cards.

If you’re interested in utilizing a betting system, flat betting is the only way to do it without the risk of losing more money than you can afford. Experts advise against using negative progressions and are sceptical about positive progressions as well, so it’s not a good idea to chase after other strategies if you can gain an advantage over the game by using the flat betting system. It doesn’t guarantee a sure win but it is an effective way to increase your odds if you manage to predict the outcome of the round. Even if you don’t, you don’t risk losing a lot of money.

RoundWin/LossBetResult
1win$1+ $1
2win$1+ $2
3win$1+ $3
4loss$1+ $2
5loss$1+ $1
6loss$10

*Flat betting example

Card Counting in Baccarat – Close to Impossible but Still an Option

Card counting has gained enormous popularity at Blackjack ever since Edward E. Thorp published his 1964 bestseller Beat the Dealer. It’s a method that has proven to be lucrative for players who have used it successfully to beat blackjack. But of course, it’s not just the players that caught on to it – the casinos are well aware of it and now blackjack tables are the most closely watched ones, with suspected card counters often being barred from betting or asked to leave the premises. But gamblers won’t let their practice go to waste so they turn to the next best thing where they can continue to hone their skills – Baccarat.
Yes, Baccarat card counting is a thing and might as well be the reason why Baccarat is likely to replace blackjack as the most popular casino game. Although theoretically, you can beat Baccarat by counting cards, the edge you get will be so small that it might not actually be worth your time, considering how much more complicated than card counting at a game of 21 it is. Still, if you have the time and dedication to try and learn it, we have the complete Baccarat card counting guide to help you.

Money Management Is Crucial

If you decide to use progression systems, you need to exercise strict control over your budget. Any system that requires you to increase or double your bet is a pitfall that you’ll have hard time getting out of. Whatever systems you’re using to play online baccarat at the best online casinos, be it the Paroli, Martingale, Parlay or any other, never spend more money than you set out to. Baccarat is a chance-based game, you can never predict with certainty whether you will have a winning or a losing streak. Don’t go chasing your losses and remember the golden rule – quit while you’re ahead.

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Live Baccarat Game

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Plan your budget – decide on your wager and put a limit on the total sum you’re willing to bet. If you decide to make your wager $10, allow yourself a $200 bankroll and if you lose it all, simply walk away. Take time until the next session. It’s nice to leave the table a winner, but gambling is inherently unpredictable. The worst strategy would be to start chasing your losses or fall for some of the erroneous motivators behind gambling like:

  • near misses: being very close to winning but not actually winning and continuing to wager with the assumption that the next round is due to be a win.
  • the illusion of control: being able to roll the dice, spin the ball at roulette, or squeeze the cards in baccarat will give you a false sensation of exercising control over a game purely based on luck.
  • the gambler’s fallacy: the wrong and unsupported conviction that after a series of the same result or a losing streak, the next one will be lucky and with the winnings, you’ll be able to even out.

Having Fun and Staying in Control Is the Best Strategy

All of these are misconceptions that are actually the first signs of compulsive gambling. We have an innate aversion to loss but we have to accept that in a tight game like baccarat, the chance is the deciding factor. Stop playing when you’ve spent your budget, regardless of whether you’re winning or losing and give yourself some time before you go back to playing. If you’re winning, split your win in half and use only that to keep playing. Even if you lose it, you still walk away with a profit. Remember that gambling is an entertaining activity – enjoy the fun and social aspects of it and stay in control of your bankroll. Now, that’s a strategy that always works.

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Live baccarat is a traditional game of baccarat that is played in real-time at an online casino. The game is handled by a professional dealer and streamed in HD for players to watch.

An online game of live dealer baccarat is a lot like playing the game at a brick-and-mortar casino – emotions included! So if you enjoy the real casino experience, you should definitely give it a try.

Keep reading to find the best online casinos that offer the game with live dealers.

Also, discover the best tips to improve your chances of winning, learn how to join the online tables, how to play both on desktop or mobile and how to take advantage of the available bonuses!

All You Need To Know About The Game


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Why Play Live Dealer Baccarat Online

This is one of the most popular games at land-based casinos. Its popularity has been growing exponentially at online casino sites and it is definitely among the top games to play live.

That being said, live dealer baccarat has plenty of great features, including:

Real dealers – The dealers are professionals and will take your questions and doubts about the game in real-time. The human touch is an upgrade in the game experience compared to the traditional online baccarat games. You will also be able to pick your preferred dealer.

HD Streaming – Online casinos have invested in quality rooms that make the live playing experience as close to the real thing as possible. The dealer has a headset that allows him or her to interact with players, and the buttons on the menu allow you to zoom in and move around the table. You won’t miss a thing.

Genuine Casino Experience – Baccarat is a fun game, but it’s a lot more exciting when you can talk and cheer with the rest of the players on the table. Online live baccarat will give you the chance to meet new people, chat and joke around while you make real money.

Convenience – As long as you have an internet connection, you can play from anywhere you want. From home, while waiting in line at the supermarket or during your daily commute.

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Reassurance – Live dealers may help you ease concerns regarding the fairness of online casino games, as in a live game you get to see everything the dealer does. Skeptical players may find playing baccarat with a live dealer reassuring.

Is Online Live Baccarat Legit?

If you are thinking that real dealers could also cheat, we are here to reassure you. Licensed online casinos like the ones we recommend are worthy of your trust. Regulated by several different industry organizations, they are just as safe as a brick-and-mortar casino.

Best Live Baccarat Sites To Play Online In 2021

The online casinos below are safe and among the best in the business. These casinos offer many variations of live baccarat to enjoy:


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Bet Limits For Live Baccarat

Just like land-based casinos, live casinos online offer tables with different betting limits. Some of these tables start as low as $0.5 and can go up to $10,000.

Check out the betting limits for online live baccarat at some of our most trusted operators:

Live Baccarat Game

  • El Royale Casino: The bet limits on Baccarat and Super 6 are $5-$100, $25-$500, and $50-$1000.
  • BetOnline: Baccarat and Super 6 each have bet limits of $5-$100, $25-$500, and $250-$5000.
  • Wild Casino: Same as BetOnline, Wild Casino offers tables with betting limits of $5-$100, $25-$500, and $250-$5000.
  • MyBookie: The bet limits on Baccarat and Super 6 range between $2.50 and $2,500.

Live Baccarat On Mobile

Online casinos have invested in high-tech software to give players the best live baccarat experience directly from their mobile devices. You can play directly from your browser, without the need to download any special software.

Online casino’s live interface is compatible with both Android and iOS devices, and both phone and tablets. Some players may prefer a larger screen, like that of an iPad, but that is entirely up to you.

Is A Live Baccarat App Available?

Several casinos offer apps to play live dealer baccarat. You need to download the app directly from the casino site because you won’t find it at Apple or Google Play Store.
However, there is no need for an app. Online casinos have made live baccarat mobile-friendly, and you can get the full experience in-browser.

Live Baccarat Bonuses

Few online casinos offer exclusive bonuses for live dealer baccarat players (some may offer specific bonuses for live blackjack or live roulette). However, players can always take advantage of regular online casino bonuses, including some of the following:

  • Welcome Bonus: it is the bonus you get when you first sign-up to an online casino. It is usually the juiciest so make sure you take advantage of it. El Royale Casino offers one of the most attractive welcomes bonuses in the industry: a whopping 250% up to $12,500.
  • Reload Bonus: you receive this reward when you reload funds into your casino account. Pay attention as some reload bonus could apply to sports betting but not casino gaming, or the other way around. BetOnline offers a 20% monthly reload bonus.
  • Rebate Bonus: in the case of this promo, the online casino will give you back a percentage of the amount you lost. MyBookie, for example, offers a Rebate Special Monday Bonus by which you get a 10% rebate up to 100% on any losses accrued on Mondays.
  • Casino Bonus: it applies specifically to casino gaming. BetOnline will give you 100% up to $1,000 in Casino Bonuses on your first three deposits.

How To Play Live Baccarat Online With a Dealer

You don’t need to be tech-savvy to join a live baccarat table online. Follow these straightforward steps and you’ll be playing in no time:

  1. Pick a trustworthy online casino: Select one of our trusted online casino sites to get started. We have reviewed each of the sites we recommend and you can rest assured that they are reliable operators. Check out our top sites in the section below.
  2. Sign Up: Enter your personal information and confirm your email address to create your account.
  3. Find the cashier: To win real money, you need to deposit actual cash. Online casinos don’t give you the option to play or practice live baccarat for free. So you’ll have to make a deposit if you want to play live
  4. Pick your game: Choose one of the many variations, from traditional baccarat to Chemin de Fer to Punto Banco. You can also choose the table you want to play at according to betting limits and whether you like the dealer.

Tips To Beat The Dealer

Online live baccarat has little to no strategy. The game is based on luck, but you can help your chances to win by following these simple tips:

  • Avoid The Tie Bet – the house’s biggest edge comes in the tie bet. The house has an unbelievable 14.36% edge when you place the tie bet. Don’t fall into the trap.
  • The Banker Bet Is The Way To Go – now you know the Tie Bet is not good for you, but you probably want to know which bet gives the house the lowest edge. Well, that’s the Banker Bet. The house has a 1.06% when you bet the Banker.
  • Side Bets – find out if your preferred online casino allows side bets. These bets are available when a paired or suited set of cards appear. The side bets are recommended if a big payout is probable. Otherwise, stick with the traditional bets.
  • Bankroll Management – like in many other casino games, you will succeed at live baccarat if you stay disciplined with the cash you want to invest. Set a maximum number of dollars you will put in play and stick to it.

Popular Games You Can Play

Live Baccarat GameLive

From classics to newer versions of the game, online casinos offer several baccarat variations that you can play live. These are some of the most popular:

Live Baccarat

The original version of baccarat is a comparing card game played between two hands: the “Player” and the “Banker”.

You can also place your bet on the “Tie”, but we would not recommend it!

You’ll be able to play live baccarat online at most top sites – and make sure to choose from our recommended list, as they are the safest options.

Live Super 6 Baccarat

This game is a popular variation of the classic baccarat. You can wager on the “Banker,” the “Player,” and the “Tie Bet”.

Know that the house edge on a banker bet under Live Super 6 is 1.46%.

Live Super 6 Baccarat is widely available at online gaming sites, however, for maximum safety we recommend to go with the ones mentioned in this article.

Speed Baccarat

Speed Baccarat is just a higher speed version of the game. Players need to be ready and sharp to place bets because the game is a lot faster than the regular action. We recommend you play this game when you have gained plenty of experience at the baccarat tables.

Baccarat Squeeze

If you like suspense, baccarat squeeze is the game for you. It has the same rules as the traditional game, but the dealers will take time to reveal the cards, building enough anticipation to make it fun.

Time To Start Playing And Having Fun!

Live baccarat online takes the game to a more entertaining and satisfying place than just the random number generator offered by the virtual casino software.

Perhaps no other casino game benefits more by playing on a table full of people than this one. It’s the main reason baccarat with live dealers is gaining a lot of popularity. Remember, you are here to win some cash but also to have a good time.

Pick a trusted live baccarat casino, join and start having fun!

Your Questions Answered By Our Experts

How do the odds of live baccarat compare to the regular online game?

The odds of live dealer baccarat and regular online baccarat are the same. Odds will change, however, depending on the game variation you play. It is worth doing some research on the house edge for the different bets taking into account the variation you chose.

Can you play for free?

No, you can’t play live dealer baccarat for free. Online casinos make the live dealers available, so players bet real money and get an authentic casino experience. However, you can practice with the virtual online baccarat for free.

Is live dealer baccarat rigged?

No, it’s not. The online casinos we suggest are licensed and regulated, giving the player a fair chance to win.