Online Baccarat Guide 2025
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Baccarat has been played for centuries in all corners of the world. It has different titles, versions, and bets but the love of fans remains the same. It is fun, quick, and can be played not depending on whether you have solid skills or only start gambling.
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History of Baccarat GameThe origin of baccarat is not clear and several European countries, mainly France and Italy, argue about whether they were the first to introduce this game. Its variations exist in numerous countries and are called Punto Banco in Spain, Chemin De Fer (‘piece of iron’) in France, and Nine in Eastern Europe. The most common version states that this game was invented by Felix Falguiere from Italy.The first mentions date back to the middle of the 15th century and for quite a while was played by nobility. However, with time it went mainstream and quickly found fans among different layers of the population.
4 Interesting Facts
- Felix Falguiere played the game of baccarat with tarot cards.
- The Chemin De Fer game was first played in the US at the Palm Beach resort and the Saratoga race track in 1911.
- In 2014, about 90% of the Macao casino revenues came from baccarat.
- The plot of the Casino Royale movie centres around baccarat.
How To Play Baccarat Online for Real Money?
Online gamblers have a unique opportunity to decide whether to play baccarat for fun or for real money. Here is how they differ:
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Start with free baccarat games
They don’t require any bets, so you can get familiar with the game in a relaxed mode without any risks and worries. Pick a free title at HEX and start playing directly from our platform.
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Choose a casino to play Baccarat for real cash
Those who want to play online baccarat online for real money should choose a reliable gambling site from our list, create an account, make a bet, and gamble.
- Banker (House edge: 1.06%) – This bet is known as the best baccarat bet because it has the lowest house edge. However, casinos usually benefit from this fact and get a particular commission every time the bet wins. Usually, it equals somewhere around 5%. Double-check the conditions before making the Banker bet;
- Player (House edge: 1.36%) – When making this bet, a player states that this particular hand is going to win. It is the second most popular bet because even though the house edge is higher when compared to the Banker one, there is no commission involved;
- Tie (house edge: 14.04%) – When placing the Tie bet, a player hopes that both the player and the banker will have hands with the same value. However, the odds are against players: even though the payout is much higher, the house edge is rather unfavourable.
Odds and PayoutsIf you are interested in becoming an instant gambling millionaire, betting at baccarat is not the best option. However, its odds and payouts are still rather generous. For example, the Banker bet has 45.86% odds of winning and a 1:0.95 payout (remember about a 5% commission applied to the winning bets).When choosing the Player bet, the odds equal 44.62% and the payout is 1:1. The Tie bet is the least favorable with a 9.52% probability and a low 8:1 payout. When excluding the Tie and calculating the odds based on the Banker and the Player bets, you’ll see that the first bet wins in 51% of cases.Short GlossaryAny game, especially a card one with bets, has a particular set of words and terms that a person unfamiliar with the game is not aware of. If you are new to online baccarat game, learning the basic glossary is a must. Most Popular Baccarat GamesOne of the things players love about baccarat is that this card game comes in multiple variations, so there are always unexpected twists and turns waiting even for those who seem to try everything. Below we will discuss five types of baccarat casino games that are enjoyed worldwide the most.Speed baccaratEven though baccarat is a fast-paced game, there is a version that speeds up the process, and an average game lasts twice less. Plus, there is a feature that allows speeding the game even more. Instead of dealing the cards face down, they are dealt face-up at once, significantly shortening the overall game duration.Live baccaratIt’s difficult to find a player who has never tried live games. They are fun, modern, and so realistic that you can easily forget that you’re playing online and not offline. Usually, live baccarat is broadcasted from a studio or a real casino and is lead by a professional dealer. Players can communicate and there is a full immersion into the process. Such games also offer numerous customization features.Mini baccaratThis variation follows classical rules and is played with six decks. However, the betting limits are lower and the table is smaller. The Banker, Player, and Tie bets remain the same.Progressive BaccaratTo give a game a new turn, developers created progressive baccarat. At first, it seems rather standard but everything changes when it comes to side bets. If the jackpot is hit, it is shared among gamblers who placed a side bet at the beginning of the round.VIP BaccaratAt first, this card game was played by the aristocrats and the bets were rather high. That is why there is a variation that is ready to satisfy the needs of high-rollers. VIP baccarat is played with eight decks and a player with the highest bet can peep into the face-down cards. This means that the player knows the outcome before other players.World-Known Baccarat Game DevelopersOnline baccarat games are extremely popular and it is not surprising that so many game developers add it to their library and try to surprise gamblers with new features and top-notch design. Here are some of the most popular and trustworthy development studios which create baccarat games:
- Playtech – This company was founded in 1999 and has one of the best baccarat selections in the modern market. Some of its most popular creations are VIP Baccarat and No Commission Baccarat which address the needs of players with different bankroll and preferences;
- Evolution Gaming – This studio creates diverse variations of casino games which amaze even the most experienced players. Evolution Gaming gave birth to Squeeze and Speed Baccarat, and such features as Banker Bonus, Perfect Pairs, and Choice of Roads will surely make the game process fun and unique;
- NetEnt – NetEnt remains one of the leading studios no matter how many developers emerge. They used the latest Chroma Key Technology to create outstanding live dealer baccarat versions known as the Punto Banco Pro Series with diverse bets and numerous control variations.
Best Baccarat Online CasinosWhen it comes to finding the best online casino to play baccarat, there are a few factors to consider. First and foremost, players should ensure that the casino is reputable and has proper licensing. They should also check for a variety of payment options and fast withdrawals.
Additionally, the quality of the software used by the online casino can greatly affect the gaming experience. The best online baccarat casinos use high-quality software from reputable providers, ensuring smooth gameplay and realistic graphics.Another important factor to consider is the availability of bonuses and promotions. A good online casino will offer attractive bonuses and promotions for both new and existing players. These can help increase the chances of winning and make the overall gaming experience more enjoyable.
Some top-rated online baccarat casinos include Betway, 888 Casino, and Royal Panda. These casinos are known for their excellent reputation, reliable customer service, and variety of baccarat games.Royal PandaIn addition to traditional baccarat, many online casinos also offer a live dealer version of the game. This allows players to have a more immersive and realistic experience, similar to playing at a physical casino.Royal Panda is one such online casino that offers live baccarat games. With professional dealers and high-quality streaming, players can enjoy the thrill of baccarat in real-time from the comfort of their own home.Players can also interact with the dealer and other players through a live chat feature, making the experience even more enjoyable. Plus, Royal Panda offers attractive bonuses specifically for live casino games, giving players even more reason to try out their live baccarat tables.Whether it’s traditional baccarat or the exciting live dealer version, Royal Panda is a top choice for players looking to play baccarat online.BetwayIn addition to offering a wide variety of baccarat games, Betway also has a strong reputation for its sports betting options. Players can easily switch between playing baccarat and placing bets on their favorite sports teams. Betway also offers a loyalty program for its players, allowing them to earn points and redeem rewards while playing baccarat or any other casino game. This makes Betway a top choice for those looking to get the most out of their online gaming experience.888 CasinoAnother popular choice among baccarat players is 888 Casino. With a wide selection of baccarat games, including live dealer options, players can choose the game that suits their preferences and level of experience.888 Casino also offers a generous welcome bonus for new players and ongoing promotions for existing players. Plus, their user-friendly website and excellent customer service make it a top choice for those looking to play baccarat online.Real Money Baccarat or Free Online BaccaratFree online baccarat games are a great way to learn the rules and strategies of this popular casino game without risking any real money. These games allow players to practice and get familiar with the gameplay before they decide to play for real money.On the other hand, playing baccarat with real money adds an extra level of excitement and thrill. When there is something at stake, every decision becomes more crucial and can lead to bigger payouts. Additionally, players have the chance to win real money while playing baccarat in online casinos.It is important for players to remember that regardless of whether they are playing for free or with real money, the rules of baccarat remain the same. The only difference is that when playing with real money, players need to be more cautious about their betting strategies and bankroll management.Moreover, playing baccarat with real money also opens up the opportunity to take advantage of bonuses and promotions offered by online casinos. These can include welcome bonuses, free spins, or cashback offers that can increase the chances of winning and make the overall gaming experience more enjoyable.The best online baccarat casinos usually offer both: free baccarat game online and real money baccarat games. This allows players to choose according to their preferences and level of experience. Whether it’s for practice or for the thrill of betting with real money, online baccarat provides endless entertainment for players around the world.Playing Your Favourite Games On MobileNowadays, you can play baccarat online not depending on your location. Players don’t have to be glued to their personal computers and laptops because modern software studios adapt casino games to smartphones and tablets. This means that you can play baccarat while waiting for a friend or when being stuck in a traffic jam.And the best part is that you can choose whether to play in a devoted application or stick to a no download browser mode. We recommend finding out whether a casino has a mobile version before signing up because it adds convenience and flexibility which nowadays are very important.Casino Promotions For Baccarat FansGambling is not only fun but rewarding if you not only chase the winnings but know how to benefit from different promotions and bonuses. Here are the most popular offers you may find when playing baccarat online:
- Welcome bonus – It rewards players with extra cash which you can spend on baccarat games. Every particular game has a contribution percentage to the wagering requirement, so get familiar with the terms in advance;
- Reload bonus – This bonus may add some money to your account when making a deposit. It looks the same as a welcome bonus but is offered not to the first time but to regular players;
- VIP program – By participating in this program, players get higher withdrawal limits, obtain access to closed events, and receive other engaging perks; Cashback. This promotion gives a chance to return a certain percent of the losses. Usually, the cashback percentage is increased along with the loyalty level;
- Regular promotions – They include birthday presents, gifts on public holidays, and other bonuses that are published on the Promotion page or sent via email. Other perks may include invitations to VIP tournaments, time-limited draws, and valuable gifts on special occasions like birthdays or Christmas.
Baccarat Strategies That Actually WorkWhile pokies remain the most popular type of casino games, there are millions of players who choose table and card titles. And it is not surprising because these games give a unique opportunity to sharpen gambling skills and apply various strategies. These strategies aim to reduce losses and increase winnings. Here are the most common types of strategies to play baccarat card game and win:
- 1-3-2-4 This strategy is definitely one of the most popular approaches no matter what card game you choose. Its main aim is to select the bet amount in a way to cover any possible losses. This strategy is rather simple: every time you win a hand, the bet can be increased. If you lose, it is better to drop down to the initial stake. Even though this strategy isn’t perfect, it allows managing your bankroll wisely.
- Bet on the Banker If you surf tips and advice on how to play baccarat, you will find this strategy literally in every guideline. It is the safest and easiest strategy to apply, especially if you are a beginner and haven’t mastered other strategies yet. The Banker bet has the lowest 1.06% house edge and the highest RTP – 98.94%.
- Paroli The Paroli strategy is a positive betting system which is widely applied when betting on baccarat, craps, roulette, and Sic Bo. This strategy has been used since the 16th century and states that you should double the bet every time you win. The main goal of this system is to make three wins in a row.
Winning Tips & TricksOnce you have tried the free play mode and are ready to bet real money, you should be aware of a few tips to make gambling not only fun but also profitable. Here are some of them, that are actually work on practise:
- Choose a reliable online casino. During a practice mode, you may not need to share any sensitive data but real-money gambling requires indicating your full name, address, and bank cards. When choosing an untrustworthy casino, you risk losing personal information and money, as well as playing games that are not random and fair;
- Check how many decks the game has. Most baccarat games have six decks but there are variations with a different number which can influence the house edge. For example, it is higher in six-deck baccarat than in a single-deck one;
- Manage your budget wisely. Even though baccarat online has a low house edge, you should still consider your bankroll seriously. The best tip is not to exceed 5% of a bankroll on a hand. If you are ready to spend more than $100, the bet shouldn’t exceed $2 per hand;
- Find a suitable strategy. There are numerous baccarat strategies, so if you are an advanced player and want to boost your gambling skills, get familiar with different options, and pick the best one. Usually, all strategies are based on a positive or negative progression.
FAQ About Online Blackjack
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📌 Can I play online baccarat for free?
- Yes, if you want to have fun without creating an account at online casinos or spending any money, pick a baccarat online variation at Casino HEX and try it in a free mode.
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📌 Where can I play this game?
- Baccarat online is an extremely popular game, so you can find it in all the top online casinos. If you don’t know which one to choose, get familiar with the list of baccarat gambling sites on our website and pick the one you like the most. Baccarat can be played in desktop and mobile modes, via a browser or after downloading software.
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📌 Are there any baccarat online strategies?
- Yes, there is plenty of different baccarat strategies that are based either on a positive or negative progression. The most popular are betting on the Banker, avoiding the Tie bet, as well as the Martingale and the Paroli baccarat strategies.
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📌 Can I count cards when playing baccarat online?
- Modern online baccarat casinos use random number generators that shuffle cards, so counting is almost impossible. However, this ensures a fair outcome of the game and shows that a casino is worth trusting.
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📌 Can casinos cheat players in baccarat games?
- Unfortunately, there are unreliable gambling sites that don’t use modern technologies to ensure fairness and randomness of games. To avoid such platforms, just pick publicly audited online casinos with licenses from international agencies.
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📌 Are these games available on mobile?
- Yes, modern software developers adapt their games to smartphones and tablets, so you can enjoy online baccarat on the go not depending on whether your device runs on iOS, Android, Windows, or Blackberry. In addition, you can choose between a browser mode and the casino’s application.
| 💎 New Zealand casinos with online baccarat | 250+ |
| 💎 Best Online Baccarat casino | Kosmonaut Casino |
| 💎 Best iOS and Android app | King Billy |
| 💎 Best developers of baccarat | Playtech, Evolution Gaming, NetEnt |
| 💎 Most popular baccarat game | Punto banco |
How We Review Online Casinos?One of the key factors when gambling on the Internet is choosing reliable online baccarat casinos. However, for most players, this becomes a time-consuming and challenging process because they don’t know how to distinguish a trustworthy baccarat online casino from an unreliable one. And you don’t need it anymore! Casino HEX experts review and rate gambling sites to let you choose the best platform. Here are the criteria we use:
To avoid the stress of picking the wrong gambling site, just get familiar with our reviews and ratings compiled by an experienced team, and pick the best online casino for online baccarat, that accepts players from New Zealand. |
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| Card | Value |
| Ace | 1 |
| 10, J, Q, K | 0 |
| 2-9 | 2-9 |
| Term | Definition |
| Banco | It is the Spanish variation of the banker. In baccarat, the dealer is often called the banco. |
| Banque | It is a baccarat variation which is popular in European casinos. It consists of three hands: two for the player and one for the banker. |
| Bankroll | The sum of money you are planning to spend. |
| Burning | When the cards are shuffled, the top 3-6 of them are discarded. |
| Carte | A French equivalent for ‘Hit me’ which is used to request another card. |
| Down card | It is a card faced down. It is often called a hole card. |
| Dragon bonus | In some casinos, you can make side bets. A dragon bonus is won if the selected hand wins by four points or more. |
| Flat bet | A player makes the same bet value not depending on whether the bet is winning or losing. |
Grace manages our copywriting team since the first day Casino HEX has opened its virtual doors to Kiwi gamblers. Her main goal is to provide reliable and useful information that will help our visitors learn something new and become more experienced in the online gambling sphere.
Lucas has joined New Zealand’s Casino HEX team with one purpose – to help thousands of Kiwis to find secure online casinos, rewarding pokies, and great bonus offers. He believes that gambling is one of the best ways to spend time, make new friends, and get familiar with the latest technologies.
