Baccarat is one of the most popular table games in both land-based and online casinos. But when playing online baccarat you will usually find the Punto Banco variant. The best online casinos offer this variant under the name Baccarat. Whether you just want to know how to play this game, or want to know the best strategy, there is always something for you. Visit one of our baccarat casino sites to start playing online right away.

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baccarat online

Playing Baccarat online is very easy, even if you don't know the rules completely. You get 3 options to bet, each with a different payout. Choose the amount and what you want to bet on and the game will unfold before your very eyes. High stakes baccarat is often seen as a bonus game for high rollers . After all, it's the card game that James Bond loves to play and has never lost.

What types of Baccarat online exist?

Although playing Baccarat online you will usually find the same rules as in traditional casinos, you can find Baccarat in different forms in online casinos. You can find Baccarat in the live casino, but also in virtual versions.

Live Baccarat

There are several Live Baccarat providers. The best known are NetEnt, Evolution Gaming ( Lightning Baccarat ) and Ezugi . They have studios in which Baccarat can be played 24 hours a day. The gaming tables they have are offered at various online casinos around the world. You log in to your casino, choose the live casino and then the game of Baccarat. You will see a croupier dealing during the Baccarat game. Take a look at the game and choose to bet on Banker, Player or Tie. It's that simple.

How does live dealer baccarat work?

After each round, players have approximately 15 seconds to place their bets before the next round begins. The dealer has a pre-shuffled shoe of cards of 6 to 8 decks. She (almost all live baccarat dealers are women) slides the cards down from the shoe and passes them over an optical scanner.

Each card has a QR code. This way the computer knows which cards are drawn before they are turned over. In standard baccarat and speed baccarat, the croupier turns over the cards for both the Player and Banker hand. If the rules require the dealer to draw more cards for either hand, she does.

After all cards have been dealt, the dealer declares the winner, discards the cards and waits for the next round to begin. Winnings are credited directly to your player account and the commissions for the Banker bet are automatically deducted from the total.


In the live casino market there are two major players: Evolution and Ezugi. Many casinos have live dealer tables from both brands. Below we take a look at what they have to offer baccarat fans.

Evolution baccarat

Evolution is the leading global live casino provider, and has also gained a foothold in Europe. Evolution offers several live baccarat versions, and there are usually more than a dozen tables active at the same time.

In the Evolution baccarat lobby you can find the following variations:

  • Baccarat
  • Speed Baccarat
  • Squeeze Baccarat
  • Lightning Baccarat
  • No Commission Baccarat
  • Salon Private Baccarat
  • dragon tiger

At Evolution baccarat, table limits start at AUD1 per hand and go up to AUD2,500 for the standard tables and tens of thousands for the Salon Privé. Unfortunately, we did not have the required minimum of AUD15,000 in our player account to participate in the Salon Privé, so we were unable to personally verify the exact limits.

Ezugi baccarat

Ezugi is a live casino company with a long history in legal online casinos . It was purchased by Evolution in 2018. Ezugi's baccarat selection includes the following versions:

  • Baccarat
  • Knockout Baccarat
  • superb 6
  • dragonbonus
  • dragon tiger

Virtual Baccarat (RNG)

To offer Baccarat online, a reliable casino does not need a live casino. There are digital versions of the game that are just as exciting as the live casino game version. The odds of winning will also be the same. The big difference is in the speed of the game. Where in the live casino each round can take a few minutes, a game of Virtual Baccarat only takes a few seconds.

RNG (Random number generator) baccarat is a completely digital version of baccarat: unlike live dealer baccarat, there is no human croupier here. RNG baccarat is powered by a computer algorithm called a random number generator. Its job is to produce fair, unpredictable results. In areas with legalized online gambling, every game of chance that runs on an RNG is checked by the regional gambling officials to make sure everything is in order.

RNG baccarat game providers

In RNG baccarat there is no dealer or other interaction with real people. You just click on the screen to bet and click the DEAL button. The software does the rest and automatically pays out the winnings. Most online casinos have one or more RNG baccarat variants. These are usually found in the table games section of online casinos.

Many online casino game providers offer at least some version of baccarat. Since the players can enjoy so many different casinos, the selection between them differs quite a bit. Most providers offer a simple, no-frills baccarat experience with no side bets or elaborate scorecards. Instead, they only provide the core features of the game in a user-friendly format.

Below you will find the RNG baccarat providers that can be found in many online casinos:

  • NetEnt
  • Microgaming
  • IGT
  • Roxor Gaming

In addition, some casinos have their own baccarat versions.

Baccarat bonuses online

Most reputable gambling sites offer online casino bonuses and some of them can also be used for baccarat. However, not every bonus can be wagered in baccarat, so you should pay close attention when choosing your boost. Below we look at how these bonuses work and what options there are.

Wagering rules limit the use of baccarat bonuses

Table games such as baccarat are often excluded from standard casino bonuses. That's because baccarat has a very low house edge, meaning the casino doesn't make a lot of money from it. That is why the online casino industry has created bonus conditions that significantly limit the playing of baccarat with bonus money.

Almost all casino bonuses have a wagering requirement, also known as rollover or turnover. The idea is that baccarat players actually use the bonus money to try out the games instead of just cashing it out.

The wagering requirement tells you how many times you have to wager the bonus before it converts into money you can withdraw.

The bonus terms and conditions include a few different ways to restrict baccarat:

  • Completely prohibited. Playing baccarat and other table games breaks the rules and the casino may confiscate your remaining bonus balance.
  • Don't contribute. You can play baccarat, but these bets will not help you meet the wagering requirements.
  • Contribute in part. The baccarat bets only contribute 5% or 10% of their actual value. For example, a contribution of 5% means that only AUD0.05 of every Euro bet counts

We explain the bonus wagering requirements and other important terms in more detail on our casino bonus page.

Play baccarat with a live casino bonus

Live casino bonuses are a great choice for baccarat fans. Certainly, the bonus amounts and percentages may be lower and the wagering requirements higher than with “standard” welcome bonuses. However, bonuses have one big advantage: the contribution rate.

When you wager a standard bonus, each Euro bet on baccarat only counts as AUD0.05 or AUD0.10 depending on the contribution rate. However, with a live casino bonus , playing baccarat contributes 100% to the wagering requirements. This means you have a better chance of hitting the wagering target and converting those bonus funds into cash you can withdraw.

Since the vast majority of online casino players head straight to the slots, the live casino bonus is not the standard casino welcome bonus. If the site has a special live casino bonus, it can usually be found with the casino's promotions.

On the live dealer casino page you can see how a live casino bonus performs compared to a “regular” welcome bonus. On the deposit bonuses page we show you how to calculate the value of each bonus.

Game rules

If you are going to play, the baccarat rules are the same as in a regular casino. They seem difficult, but they really aren't. After all, in Baccarat you don't have to count cards or make decisions yourself. All you have to do is bet on a certain outcome of the game. You can bet on the player, the bank or a tie. Each bet gives a different payout.

You put your chips on the table, on the 'Bank', 'Player' or 'Tie' box. If you have bet correctly, you will receive 95% of your bet with Bank, 100% of your bet with Player and 8 times your bet as profit with Tie. Note: the Player or the Banker does not match the player and the casino . You can choose to bet your money on the Player, tie or the Banker.


In Baccarat, each card is valued in points. If the total sum of the points exceeds 9, the tens are subtracted from the points. 13 points are thus reduced to 3 points. The goal of the Player and the Banker is to get as close to 9 points as possible. Initially, both the Player and the Banker are dealt 2 cards. But more cards can come into play.


The card number is equal to the number of points, with the exception of 10. The exceptions are listed below:

  • King, Queen and Jack: 0 points
  • 10: 0 points
  • Ace: 1 point

Extra card for the Player

If the Player has 5 or less points, a card is automatically added. A 6 or 7 automatically passes and the Player wins with 8 or 9 points.

Extra card for the Banker

If the Player draws a third card, the Bank receives an additional card according to the same rules. If the Player has only 2 cards, the Bank receives additional cards as follows:

  • If the Bank has 0, 1 or 2 points, he always gets an extra card.
  • If the Bank has 3 points, he gets an extra card if the Player's third card was not 8.
  • If the Bank has 4 points, he gets an extra card if the Player's third card was 2, 3, 4, 5, 6 or 7.
  • If the Bank has 5 points, he gets an extra card if the Player's third card was 4, 5, 6 or 7.
  • If the Bank has 6 points, he gets an extra card if the Player's third card was 6 or 7.


The Player gets a 7 and an 8, then that adds up to 15 and he has 5 points. The tens are taken off and the player is automatically dealt a third card, an 8. (8 + 5 = 13). The player gets 3 points. The Bank gets a 9 and a woman. This brings the score to 9 + 0 = 9. The Bank wins with 9 points. If you have bet on the Bank, you win 95% of your bet.

Punto Banco online

In French versions of baccarat Punto Banco online you will find other names, although the rules remain unchanged when playing online Baccarat. The Player is also known as Punto, the Bank is also known as Banco and Egalité is for tie.

Of all major baccarat variants it can be said that there is one that shines brighter than the rest. Live Punto Banco is extremely popular in some of the world's biggest casino hubs , including Macau, Las Vegas and the UK. The game has simple and straightforward rules, the only decision the players have to make is which of the two sides to bet on.

However, little can be said about the origins of Punto Banco. Some sources say the game comes from Mexico, others say it was invented in Argentina. It is believed to have first appeared on the Las Vegas casino floors in the 1950s. Punto Banco is also often referred to as North American baccarat.

Nowadays it is very popular especially in Macau. Since the outcome of the game depends purely on chance and little Punto Banco strategy (almost no strategy at all) is involved, it appeals to the highly superstitious Chinese gamblers, many of whom believe that winning must be a matter of luck and not so much of skill.

What are the best Baccarat casino sites?

Baccarat can be played online at numerous sites, we recommend always playing at reliable online casinos with baccarat strategy . In addition, it is best to look for a site with a diverse range of games from live casino and slots . Also see if you can expect a nice casino bonus or adjusted baccarat bonus . Here we have a list of the best casinos where you can play Baccarat online. Good luck!

Baccarat apps

There are many downloadable and browser-based baccarat software available online. However, separating the best from the rest isn't easy. Moreover, baccarat is not a skill-based game. Instead, you try to guess the outcome of the next hand and bet on the winner. It's like playing rock paper scissors for fun. However, if you don't play the game and the outcome is totally random, it can quickly become repetitive.

Frequently Asked Questions

Where to bet online baccarat?

Almost every online casino offers at least one way to play baccarat. However, the best offer one or more RNG baccarats plus live dealer baccarat tables from the leading providers. Check out the baccarat casino list to choose the casinos that suit your taste.

Can you win real money playing baccarat online?

Absolute. In baccarat, the house edge is very low and the chances of winning are almost as good as losing. If the cards fall your way, you can win nice sums of real money. At legal, regulated online casinos it is no problem to cash out your winnings.

Can I get a bonus for baccarat?

At some live casinos, yes. But using bonus money to play baccarat can be a bit tricky. We recommend that you read the baccarat bonus section of this chapter and always carefully read the bonus fine print.

Can I play live baccarat on mobile?

Yes, the leading live dealer providers Evolution and Ezugi have optimized all their tables for both desktop and mobile. Operation is intuitive and simple enough to use on a small screen. However, we recommend using a high quality Wi-Fi connection as the live casino stream requires more bandwidth than the slots.

Is it safe to play baccarat online?

Yes, as long as you play at regulated online casinos and follow responsible gambling practices.

What are the odds in baccarat?

The average payout percentage for baccarat is around 98%, which gives the player pretty decent odds against the house. The bets with the highest chances of success are on the bank or the player. Bets on a tie are much less likely to win, although the payout is much higher.

Is baccarat a game of skill?

No, baccarat is based on luck and the only choice you make is what you bet on while playing. As long as you place a bet on the player's or dealer's hand, you have a decent chance of winning every round. Studying baccarat strategy or charts does not improve your chances of winning. But they can make playing more interesting.

How do you win at baccarat?

You place a bet on the hand of cards that wins the game. In some cases the banker's hand will be worth more and win, in other cases the player's hand will be worth more and in rare cases a tie will win.

What's the best bet?

A bet on either the player or the bank is likely to win, with the bank having a slight advantage. It is also good to bear in mind that while a bet on the bank has this small advantage over bets on the player, a commission must be paid on winnings from a bet on the bank.

Is it possible to count cards in baccarat?

Yes, it is possible to count cards in baccarat. However, it's very difficult to get an advantage against the house and you might only get a small advantage towards the end of the shoe, meaning it's not really worth it. When playing online, casinos use an RNG that generates random cards every time a hand is dealt, making card counting impossible.

Is online baccarat played?

No. All good casinos, such as those recommended on our site, use a random number generator to draw cards. If you're not sure if a casino is operating fairly, look for a seal from an independent audit body like eCOGRA. If you are wondering about the house edge, you can check it on the casino's site before you start playing.

Written by: Jason Vink |

Jason is an online casino expert. He obtained a BA in Communications in Brussels before starting to work at internet gambling portals in Malta (EU) in 2012. He later joined and has since started sharing his expertise with our readers. Jason is able to assess and test an online casino on many different functionalities in order to guarantee the enjoyment and safety. If you have questions for Jason, you can always send him an email: jason [at]