Baccarat is a great game for beginners since it only has three possible bets — on the player’s hand, on the banker’s hand, and on a tie. This means you can technically win every round, regardless of what cards you’re dealt. In this guide, we’ll teach you how to play baccarat and show you some of the most successful strategies you can employ to increase your odds.

We’ll also review the five best offshore casinos where you can play online baccarat for real money from the comfort of your home, so you can choose the one you like the most and start playing today.

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The Top 5 Online Casinos for Playing Baccarat

Here are the best online casinos where you can play dozens of different variations of online baccarat:

  1. Wild Casino — Accepts players from the US and supports 25+ banking methods
  2. BK8 — Best online site for players in Asia with 50+ live baccarat games
  3. BC.Game — Over 100 baccarat games, including dozens of Live Dealer tables
  4. Bovada — Excellent crypto casino bonuses and a rewarding refer-a-friend program
  5. Lucky Block — Fast withdrawals using crypto and a great baccarat game variety

How to Play Baccarat — Baccarat Rules

If you’ve never played the game, baccarat rules for when the players and the banker draw additional cards might seem overwhelming at first. But if you take a few minutes to understand the reasoning behind baccarat rules, you’ll quickly understand that baccarat is actually a simple and straightforward game.

In baccarat, the winning hand is the one that’s closest to 9. Face cards and 10s have a value of 0, Aces have a value of 1, and number cards have a value that corresponds to the number on the card. If the cards add up to more than nine, you subtract 10 from the total score. For example, a 7 and an 8 would be counted as 5 (15 – 10).

Before the cards are dealt, you set the chip size and choose to bet on the player, the banker, or on a tie. Alternatively, you can bet on either the player or the banker getting a pair, which isn’t as unlikely as you might think, given that the game is typically played using eight decks of cards.

The Best Baccarat Strategies

Now that you know how to play baccarat, we’ll take you through the best strategies. Many people who are learning how to play baccarat are surprised by the fact that you can apply the same exact strategies that work on roulette. Additionally, there are a few strategies exclusive to baccarat that might help you leave the table with a profit. Here’s a quick overview of the most popular baccarat strategies to help you learn how to win baccarat:

The 1-3-2-6 System

This baccarat strategy requires you to select a unit (bet size) and follow the 1-3-2-6 string on a winning streak. Your initial bet is one unit — it can be $1, $5, or any other amount your determine. After a win, the following bet is three units, then two units, and finally six units. If you win at least two rounds in a row, you’ll earn two units of profit.

The drawback of this system is that you’ll break even if you win three rounds in a row but lose the fourth one. This can be mitigated by applying a different variant of the system (1-3-2-4), that replaces the final bet in the sequence to guarantee some profit if you lose the fourth round.

Pair Bets

This strategy demands that you ignore the player/banker bets and focus solely on pair bets. Given that they have an 11:1 payout, you only need to win a bet once every 11 rounds to break even. If you win more frequently than that, you’ll win a substantial sum.

One huge drawback of this strategy is that you have to correctly guess whether the player or the banker will be dealt a pair. Of course, you can bet on both pairs, but then you’d have to win one in five rounds for the strategy to pay off, which is highly unlikely.

The Three-Two System

When applying the three-two system, all you need to do is split your bet into five units. You place three units on the player/the banker and two units on a pair. You can alternate the bets between the player and the banker between the rounds — all that’s important is that you maintain the 3:2 ratio.

Flat Betting

Flat betting is the easiest baccarat strategy to implement, but simultaneously the that requires the most discipline. It involves choosing either the banker or the player and sticking with that bet regardless of the outcome of the following rounds. A game of baccarat is essentially a coin flip, so it’s typically better to stick to one side than to switch your bets and risk losing the coin flip every time.

We suggest betting on the banker, as it has a slightly higher chance of getting a winning hand, due to the rules for drawing the third card. Also, you should determine how many bets you’re willing to place beforehand, so you don’t end up trying to “win back” the money you lost and losing even more.

Betting Against a Streak

Given that both the player and the banker have roughly equal chances of winning any hand, as one side keeps winning multiple rounds in a row, the chances of them winning the next round are statistically lower. With this strategy, you should wait before either side gets three or more wins in a row, then bet on the other side.

For example, if a banker wins three rounds in a row, you should bet one unit on the player. If the banker wins again, you should double the bet on the player. You double the bet for as long as the winning streak is going since a single win will offset all your losses. The beauty of this baccarat strategy comes from the fact that if you correctly predict when the streak will end, you’ll generate a profit, but even if you don’t, you’ll break even (provided your budget allows you to double your bet after each loss).

Top 5 Tips on How to Win at Baccarat

Here are a few tips on how to win baccarat that will help further improve your chances:

1. Never Bet on a Tie

Betting on a tie is simply never worth it. Despite the chances of ties being relatively high at 9.6%, the payout for the tie bet is 8:1. This means that the house edge on a tie bet is 14.4%, so unless you’re the luckiest person on Earth, you’re bound to lose money on this bet.

2. Bet on the Banker Rather than on the Player

There’s a reason why players are required to pay a 5% commission on winning bets on the banker — it’s because the banker has slightly higher chances of winning every round. This is due to the rules regarding whether or not the third card is dealt to the player and the banker.

3. Skip a Round After the Banker Loses

In baccarat, you don’t have to bet on every round. In fact, it’s advised to skip one round after the banker loses. Statistically, the banker has the highest chance of getting a win streak. After a banker loss, wait for the results of the next round, then bet on the same result for the following round.

4. Don’t Play Other Variations of the Game Until You Learn Base Rules by Heart

There are quite a few variations of the baccarat game, such as Chemin de Fer and Baccarat Banque, that throw additional rules into the mix. It’s not a good idea to join these tables if you’ve never played baccarat before, as you likely won’t be able to follow what’s going on at the table.

5. Manage Your Gambling Budget

Before you join a baccarat table, set your budget limit. Regardless of the outcome of the session, don’t gamble more than you initially intended. Even if you’re on a large winning streak, it’s better to quit while you’re ahead than to keep playing and give back all the money you won to the casino.

Types of Baccarat Games to Play

After learning the basics of how to play baccarat, there are multiple popular versions of the game you can play at  online casino for real money. Here are the most common ones, including their main differences from the base game:

1. Chemin de Fer

Chemin de Fer variation of baccarat is popular in Europe, primarily in France. Rather than featuring a dealer, this variation lets players act as the banker. The banker is switched after every round, giving each player a chance to win big against fellow gamblers at the table.

2. Baccarat Banque

Baccarat Banque is similar to Chemin de Fer, but it’s only played with three decks. Additionally, rather than changing the banker each round, it gives players the option to challenge the banker. After winning the challenge, the player who won becomes the new banker.

3. Three-Card Baccarat

This version of the game features a single 52-card deck. Everyone is dealt three cards at the start of each round, instead of two. Additionally, there is a hand that’s stronger than 9, which is three face cards. In the event of a tie, the hand with more face cards wins.

4. Super Pan 9

Super Pan 9 only uses 36 cards, meaning all the face cards are removed. Both the banker and the player are dealt three cards, with the option of drawing an additional card to get as close to 9 as possible.

5. EZ Baccarat

As the name suggests, EZ baccarat is a simplified “easy” version of the base game. Both the player and the banker are only dealt two cards, and the hand closer to 9 wins. No additional cards are dealt. Additionally, there is no commission for winning a bet on the banker’s hand.

Baccarat Odds and Payouts

Baccarat’s house edge depends on the type of bet you’re placing, and it ranges from 1.06% on banker bets up to a whopping 14.4% on ties. Here’s a quick reference table of baccarat odds and payouts for the standard baccarat game that uses six decks:

Bet Type Odds Payout House Edge
Player Hand 44.6% 1:1 1.06%
Banker Hand 45.8% 0.95:1 1.24%
Player Pair 7.47% 11:1 11.25%
Banker Pair 7.47% 11:1 11.25%
Tie 9.6% 8:1 14.4%
Keep in mind that baccarat odds and payouts also change depending on the number of decks used. Some casinos opt to use six or eight decks, while others offer game variations that only use a single deck.

Playing Baccarat Online 

If you know how to play baccarat at a land casino, playing online baccarat isn’t that different. The majority of baccarat games at online casinos are played at Live Dealer tables and follow the standard game rules.

That said, there are dozens of different versions of online baccarat, so pay close attention to what table you’ve joined. If you join one of the tables with altered rules, you can always check said rules by pressing the “i” or the “?” button on the screen. This will open up a menu where you can read all about the baccarat odds, rules, and payouts for that specific game.

Baccarat Online Streamers

While streaming online gambling used to be extremely popular on Twitch, the site has enforced extremely strict rules in 2021, allowing streamers to only showcase games at casinos licensed in the US or other countries with robust customer protection.

All the big names in the scene, like Roshtein and DeuceAce, have continued streaming on the platform, but they mostly stream online slots. Still there are plenty of YouTube channels you can find that show you the basics of how to play baccarat while live streaming or through a recording.


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Top Casinos to Play Baccarat Reviewed

It’s wise to learn how to play baccarat before signing up to an online casino. So, now we’ll provide you with in-depth reviews of the five best online casinos where you can play online baccarat for real money:

1. Wild Casino — Accepts Players from the US and Supports 25 Different Banking Methods

Casino facts:

  • Payout time: 48 hours — 15 business days
  • Established: 2017
  • License: Panama
  • Headquarters: Panama City, Panama

Our Verdict: 4.7/5

Wild Casino is the best option for US players who enjoy playing online baccarat. You’ll have the choice of multiple game variations, including live dealer baccarat and Super 6 tables with relatively high table limits.

Wild Casino — The Best Online Baccarat Casino in the US

Additionally, Wild Casino offers players an array of banking options, has excellent customer support available 24/7, and has plenty of exciting promotions for both new and returning players.

Baccarat Game Options: 4.6/5

There are four versions of baccarat available at the Wild Casino. Two of the four are standard baccarat games by different providers, with the only difference being in the table design. On top of that, you can try the casino’s proprietary Wild Baccarat, as well as Ultimate Baccarat. There are also two live baccarat tables, with table limits ranging from $5 to $5,000, and two live tables of the Super 6 baccarat variant.

Payment Options: 4.7/5

Wild Casino accepts a wide range of payment options, from credit/debit cards to all major cryptocurrencies. If you have a crypto wallet, deposits and withdrawals using crypto are a much better option since they’re faster and don’t incur any additional fees. Transactions made using personal credit/debit cards are charged a 9.75%, while the minimum deposit for direct bank transfers is $500.

Customer Support: 4.8/5

On the off chance that you encounter an issue while playing at the Wild Casino, you can contact customer support via Live Chat 24/7. Keep in mind that you’d have to do so from the Contact Us page, as the “Start Live Chat” button isn’t available elsewhere on the site. Alternatively, you can send the casino an email or browse through its extensive FAQ library to find the answer to your questions.

Bonuses & Promos: 4.2/5

At the time of writing this review, Wild Casino offered 11 different promotions. Most of the bonuses are exclusive to slots, but you can utilize the welcome bonus to play select table games, including baccarat. Keep in mind that baccarat’s contribution to the wagering requirements is only 5%.

Wild Casino online casino bonus:

Bonus Name Bonus Amount Bonus Code Rollover Minimum Deposit Bitcoin Accepted?
New Player Bonus 250% on the first deposit INSIDERS 35x $20
First Crypto Deposit Bonus 300% on the first deposit INSIDERS 30x $20

Pros & Cons:

  • Accepts players from the US
  • Offers over 25 different banking options
  • Features multiple baccarat games, including live dealer tables
  • Baccarat only contributes 5% towards the wagering requirements

2. BK8 — Best online site for players in Asia with 50 live baccarat games

Casino facts:

  • Payout time: 1h — 8h
  • Established: 2014
  • License: Curaçao
  • Headquarters: Saint Julian, Malta

Our Verdict: 4.6/5

BK8 is one of the most popular online casinos in Asia, and for good reasons too. It has a stellar reputation among players and a spotless track record, supports 20+ payment options, and offers 24/7 customer support in three languages via three different channels.

BK8 Casino Live Dealer Baccarat

When it comes to baccarat, players will have the option of choosing between 50 different live dealer tables, available in a variety of different languages. There are several variations of the game available, so you’ll never get bored at the BK8 casino.

Baccarat Game Options: 4.9/5

BK8’s casino features live dealer games from world-renowned game providers, such as Evolution Gaming, Pragmatic Play, Dream Gaming, and a few more. Here, you’ll find everything from the standard game to Lightning, Crown, and FlagShip baccarat, as well as tables in a variety of different languages, including Thai, Japanese, Korean, and English.

Payment Options: 4.5/5

BK8 casino primarily caters to players in Asia, and the payment options reflect that. If you’re in Asia, you’ll have the option of depositing and withdrawing your winnings using direct bank transfer, popular eWallets, Quickpay, and QRPay. The casino’s official currency is MYR (Malaysian Ringgit), but the casino also accepts USD. Players in other parts of the world who want to gamble at BK8 can use their crypto wallets for deposits and withdrawals.

Customer Support: 4.5/5

You can reach BK8 casino’s customer support 24/7 via Live Chat, WeChat, and Telegram. Support is available in English, Malaysian, and Chinese. Additionally, you’ll find answers to common player questions in the casino’s extensive Info Center and FAQ library.

Bonuses & Promos: 4.2/5

There are dozens of promotional offers available at BK8 casino, although most of them are only available for slots and the sportsbook section of the website. Players can utilize the welcome bonus to play Live Casino games, like baccarat, but the bonus amount is only 50% of your deposit, and the wagering requirements are 20x deposit + bonus. The bonus is only available for players who choose USD as their preferred currency.

BK8 online casino bonus:

Bonus Name Bonus Amount Bonus Code Rollover Minimum Deposit Bitcoin Accepted?
Live Casino Welcome Bonus 50% on the first deposit INSIDERS 20x USD 50

Pros & Cons:

  • 50+ live dealer baccarat tables
  • 24/7 customer support available in three languages
  • Wide range of payment options
  • Excellent variety of casino bonuses and promotions
  • Welcome bonus available to USD accounts only

3. BC.Game — Over 100 Baccarat Games, Including Live Dealer Tables in Multiple Languages

Casino facts:

  • Payout time: 24 hours
  • Established: 1977
  • License: Curaçao
  • Headquarters: Victoria, British Columbia, Canada

Our Verdict: 4.6/5

BC.Game has one of the largest game libraries out of all the casinos we reviewed. There are more than 100 baccarat games alone, including live dealer tables in a variety of different languages.

BC.Game Best UK Baccarat Online Casino

On top of that, the casino supports a wide range of cryptocurrencies, has excellent customer support, and offers plenty of exciting bonuses.

Baccarat Game Options: 5.0/5

There are a hundred different baccarat games in BC.Game’s library. You’ll find everything from the classic baccarat and baccarat mini to speed baccarat, and baccarat squeeze. The games are available in multiple languages. The vast majority of games are played on live dealer tables, and some of them can be played for fun if you’re just starting to get the hang of the game.

Payment Options: 4.8/5

BC.Game is an excellent option for anyone who wants to gamble using crypto. The site supports all major cryptocurrencies (Bitcoin, Ethereum, Litecoin, Dogecoin, Ripple, etc.), as well as more than 150 altcoins. You can also deposit and withdraw using traditional payment methods, such as Visa and MasterCard, but the casino will charge a small fee for these transactions.

Customer Support: 4.2/5

You can contact BC.Game casino’s customer support 24/7 via Live Chat. Before you connect to an agent, you’ll see your position in the queue, along with the estimated waiting time. Given that thousands of players gamble at BC.Game, the waiting times can be up to 15 minutes long. If that’s the case, you’ll be prompted to play a free game to pass the time while waiting.

Bonuses & Promos: 4.1/5

BC.Game offers a variety of bonuses to both new and returning players. These range from welcome bonuses on the first four deposits to rakeback bonuses, roll competitions, and special bonuses for participating in the casino’s chatroom. That said, the deposit bonuses are awarded as BCD, the casino’s crypto coin, and are unlocked gradually while playing rather than being added to your account immediately.

BC.Game online casino bonus:

Bonus Name Bonus Amount Bonus Code Rollover Minimum Deposit Bitcoin Accepted?
Sign-up Bonus 300% on the first deposit N/A N/A $10

Pros & Cons:

  • Over 100 baccarat games in the casino’s library
  • Live Dealer baccarat available in multiple languages
  • Superb customer support, available 24/7 via Live Chat
  • Wide variety of bonuses
  • Bonus awarded as BCD and unlocked gradually over time

4. Bovada — Excellent Crypto Casino Bonuses and a Rewarding Refer-a-Friend Program

Casino facts:

  • Payout time: 24h — 48h
  • Established: 2011
  • License: Currently operating without a license (previously licensed by the Kahnawake Gaming Commission)
  • Headquarters: Quebec, Canada

Our Verdict: 4.3/5

Bovada is a popular online casino, especially among players from the United States. The casino has a stellar reputation and a spotless track record, and it’s perfectly safe to play in, despite opting not to renew its gambling license in 2016.

Bovada Casino Live Dealer Baccarat

Bovada offers a variety of bonuses, accepts both traditional payment methods and crypto, and provides excellent customer support that ensures you have a pleasant experience at the casino. While there are only six baccarat games in total available at Bovada, the casino is still a decent option for casual gamblers.

Baccarat Game Options: 3.0/5

There are only two baccarat games available at Bovada, both of which are the standard version of the game, with only three bets available — player, banker, and tie. Additionally, there are four live tables, two classic baccarat and two Super 6 tables, with table limits ranging from $5 to $2,500.

Payment Options: 4.0/5

In addition to traditional payment methods (credit/debit cards), Bovada also accepts gift cards, online vouchers, Zelle, and several cryptocurrencies (Bitcoin, Bitcoin Cash, Litecoin, Tether). One thing to note is that Bovada reserves the right to charge processing fees if little-to-no play was made between a deposit and a withdrawal.

Customer Support: 4.5/5

Bovada has an exhaustive Help Center, which contains helpful articles that answer all the common questions players may have. If you can’t resolve the issue with the information provided, answer “No” when asked if the article is helpful, and you’ll have the option of contacting a live support agent. You can get in touch with customer reps 24/7 via phone, chat, or email.

Bonuses & Promos: 4.8/5

Bovada offers plenty of bonuses to new players, including both standard and crypto casino welcome bonuses. Additionally, as a regular player, you’ll earn reward points, which you can exchange for cash. Bovada also has a refer-a-friend program, which rewards both you and the friend with some extra cash to play with.

Bovada online casino bonus:

Bonus Name Bonus Amount Bonus Code Rollover Minimum Deposit Bitcoin Accepted?
Casino Welcome Bonus 100% matching bonus on the first three deposits INSIDERS 25x $20

Pros & Cons:

  • Great customer support
  • Excellent bonuses for both traditional payment methods and crypto
  • Spotless track record, with no major issues regarding the casino’s conduct
  • Only a handful of baccarat games

5. Lucky Block — Fast Withdrawals Using Crypto and a Great Baccarat Game Variety

Casino facts:

  • Payout time: Within 24 hours
  • Established: 2021
  • License: Curaçao
  • Headquarters: Curaçao

Our Verdict: 4.3/5

Lucky Block is a solid online casino, especially if you want to gamble completely anonymously using crypto. The site doesn’t have a KYC policy, so you won’t be required to share any personal information or provide identification documents when withdrawing your winnings to your crypto wallet.

Lucky Block Crypto Casino Baccarat

Additionally, there are over 65 baccarat games available at Lucky Block, so the casino is perfect for both newcomers and veterans of the game. The one drawback of Lucky Block is that its welcome bonus is only applicable for slots, but since the casino is relatively new, we expect Lucky Block to expand its promotional offers in the near future to include table games as well.

Baccarat Game Options: 4.9/5

Lucky Block has over 65 Live Dealer baccarat tables you can join. You’ll find everything from standard and speed baccarat to some of the more outlandish versions of the game, such as peek baccarat and control squeeze baccarat. The games are available in English, Korean, and Japanese.

Payment Options: 4.5/5

Lucky Block is a crypto-exclusive casino, although it allows players to purchase cryptocurrency straight from the website using traditional payment methods. This means you can start playing right away, even if you don’t have a crypto wallet. However, you’ll have to make one eventually, as withdrawals are only possible using popular cryptocurrencies, such as Bitcoin, Litecoin, Ethereum, Ripple, and Tether.

Customer Support: 5.0/5

You can get in touch with Lucky Block’s customer support via Live Chat 24/7. The Live Chat button is always available in the bottom-right corner of your screen, from any area of the casino. When you initiate the chat, you’ll see your position in the queue, so you can estimate the waiting time. We connected to a friendly and knowledgeable agent in less than three minutes, and got straightforward, detailed answers to all our questions.

Bonuses & Promos: 3.0/5

Lucky Block is a relatively new casino, and as such it doesn’t have an elaborate bonus structure yet. There is only one bonus available, in the form of a 15% cashback on net losses on slots in the first seven days of creating your account. In other words, there are no casino bonuses available for table games.

Lucky Block online casino bonus:

Bonus Name Bonus Amount Bonus Code Rollover Minimum Deposit Bitcoin Accepted?
Casino Signup Offer 15% Cashback on net losses for the first 7 days N/A N/A 0.0001 BTC

Pros & Cons:

  • Over 65 live dealer baccarat tables
  • Customer support available 24/7 via Live Chat
  • Fast withdrawals using crypto
  • Bonus only applicable to slots

Where to Play Baccarat from your Location

Depending on your geographic location, some casinos might prevent you from playing, unless you use a VPN to change your IP address. Here are the best online baccarat casino options depending on where you’re playing from:

Where to Play with Crypto Using a VPN?

Lucky Block is by far the best option if you want to gamble with crypto. You can use a VPN to access the website from anywhere in the world, and since Lucky Block doesn’t have a KYC policy, you can play completely anonymously.

Where to Play from the US?

Wild Casino supports players from the US and is, in general, the best option out of the five casinos we recommend in this guide. You can play both the classic version of the game and Super 6 baccarat at the Wild Casino, take advantage of excellent casino bonuses, and deposit/withdraw using a wide range of options.

Where to Play from Canada?

The best option for Canadian gamblers is Lucky Block, due to its wide array of games and the fact that it allows you to buy crypto using CAD.

Where to Play from the UK ?

BC.Game is immensely popular among the UK playerbase, and it’s easy to understand why. It offers a wide array of casino games, supports plenty of payment options UK gamblers prefer in British Pounds, and offers incredible bonuses to both new and returning players.

Where to Play from Asia?

BK8 is the best option for gamblers in Asia. The casino’s official currency is MYR, and it offers support in English, Chinese, and Malaysian. There are dozens of Live Dealer tables, available in multiple languages as well, so you’ll never get bored while playing at BK8 casino.

Where to Play from the Rest of the World?

If you’re in Europe, South America, or Africa, or anywhere in the world, your best option is Lucky Block, due to the fact that you can use a VPN, connect to a server in a country of your choosing, and enjoy unrestricted access to the casino.

Comparison of the Best Baccarat Casinos

Here’s a quick reference table containing key information on the top five online baccarat casinos, so you can see how they compare head-to-head:

Casino Sign-Up Bonus Baccarat Games Live Baccarat Free Baccarat Bitcoin?
Wild Casino 250% on the first deposit 8
BK8 50% on the first deposit 60+
BC.Game 300% on the first deposit 100+
Bovada 100% on the first three deposits 6
Lucky Block 15% cashback on slots 65+

The Best Online Casino for Playing Baccarat

After reviewing dozens of online casinos, looking at criteria like baccarat game variety, payment options, customer support, bonuses, and pros & cons, we’ve concluded that Wild Casino is the #1 option for online baccarat.

The casino welcomes players from the US, accepts a wide variety of banking options, has excellent customer support, and offers a range of bonuses to new players. Create your account today and see first-hand why Wild Casino is the best choice for playing online baccarat.