How to Play Baccarat Online
- The game starts with two cards being dealt to both the player and the banker (the person who is in charge of dealing the cards).
- The goal of the game is to get a hand that is worth as close to 9 points as possible. Each card has a certain number of points: cards 2 through 9 are worth their face value (for example, a 5 of hearts is worth 5 points), and 10s and face cards (jacks, queens, and kings) are worth 0 points. Aces are worth 1 point.
- To figure out the value of your hand, you add up the points of your cards and then drop the tens place. For example, if you have a 7 and a 9, that’s 16 points, but you only count the 6 points.
- If either the player or the banker has an 8 or a 9, that hand is called a “natural” and is the winner. If neither hand is a natural, then more cards might be dealt to try to get closer to 9 points.
- The person who has the hand closest to 9 points wins the game.
Playing online baccarat isn’t much different from playing baccarat in a land-based casino. The only difference is that it is more inclusive in an online casino, since you can circumvent high minimum bets and dress codes.
Just like in a “real” casino, there’re only three outcomes in online baccarat, the player wins, the banker wins or there’s a tie. Just like offline, the dealer (or the computer) does pretty much all the work in online baccarat.
Basic Baccarat Rules
Understanding the Baccarat Table Layout
The table layout of a baccarat table is fairly simple. Since there’re only three outcomes, that is all you need to put on the table.
Full-sized baccarat tables can usually be found in secluded areas of the casino floor in a land-based casino, since it is mostly used to attract high rollers and the table limits can be incredibly high.
A baccarat table is oval and comes with yellow numbers on each side. The numbers go from 1 to 15 with the 13 being skipped for reasons of superstition. In some oriental cultures the number 4 is considered unlucky and will therefore sometimes be skipped instead or as well.
On one side of the baccarat table, there will be a cutout in the shape of a “u” that is supposed to give a place for the dealer to stand (this can be skipped in online baccarat, obviously).
What you will see at the place where you’re sitting is a field with your three outcomes (banker, player, tie) and places for you to place your chips on the outcome you predict.
It’s as simple as that. A full-sized baccarat table usually has place for 14 players and three dealers (one of them is the caller and they rotate). Each player has fields in front of them to place their chips on one of the three outcomes. The middle of the table is reserved for the dealers and it helps them keep track of all the bets and it is also where the caller deals the hands.
Mini Baccarat Layout
The mini-baccarat table is basically a full-sized one cut in half. There’s only space for up to 7 players and it also only needs one dealer. but that is where the differences end already. The only other thing is that the bet sizes are usually also lower on the mini tables.
Seeing those differences, the mini table is where you’ll want to start off if you’re new to the game of online baccarat. Things are just a little simpler here.
Understanding Card & Hand Values in Baccarat
The question of card values in baccarat has a fairly straight-forward answer. All cards 2 to 9 are worth their face value, so a 7 would be worth 7 points and so on.
Tens, jacks, queens and king are all worth nothing and the ace is worth one point. Your hand of two cards has the value of the rightmost digit of its added value. So, if you have a hand of jack (which is worth zero) and a 7, your hand would be worth seven points. If your hand consists of a seven and a five, however this would add up to 12 points and so your hand would only be worth 2 points, since that is the rightmost digit. Easy enough, isn’t it?
Getting Familiar with Basic Baccarat Terminology
In order to properly understand online baccarat, you’ll have to familiarize yourself with some of its terminology. But fret not, we’re here to help with a handy dictionary of the most important baccarat terms!
Burning is the removal of the top 3 to 6 cards before the game starts. This is done right after shuffling.
Caller is the dealer that is responsible for dealing the hands at your baccarat table.
Coup is a French word that describes a round of baccarat with both a banker hand and a player hand.
Loss bet is a bet against the bank.
Natural is when your two received cards add up to either 8 or 9.
Shoe is the box that holds the cards and from which the cards are dealt.
Tie bet is when the dealer and the player get the same amount of points. Neither hand wins in this case.
Understanding the Order of Play in Baccarat
The first thing you’ll have to do in a game of online baccarat is decide which outcome the next hands will result in. You have three choices, bet on the banker, the player or a tie.
After that the two hands are dealt by the dealer. The player hand and the banker hand. The cards will then be turned face up and the next moves are determined. If either player or banker card get a value of 8 or 9, that hand wins and the bets are paid out.
There are, however some situations when further action is required. If the player’s hand is worth between 0 and 5 points, an additional third card is dealt.
If the player drew a third card, the banker has some rules to follow for his own hand.
- If his total is 2 or less, the banker draws a third card, no matter what the player’s third card was
- If the total is 3, a third card is drawn if the player’s third card wasn’t an 8
- If the total is 4, a third card is only drawn if the player’s third card was 2, 3, 4, 5, 6 or 7
- If the total is 5, a third card is only drawn if the player’s third card was 4, 5, 6 or 7
- If the total is 6, a third card is only drawn if the player’s third card was 6 or 7
- And the banker will have to stand if his total is 7
After all those shenanigans, bets are finally paid out. Bets are paid out as even money on player bets and 95% of even money on banker bets with a 5% house commission. In the case that player and bank have a hand of the same value, all bets on tie are paid out 8 to 1 and all bets on player or banker stay in place for the next game. Although, depending on casino rules, players might also be able to retract these bets.
- Baccarat is played with 6 to 8 decks of 52 cards. Card values are 1 for Ace, 2 to 10 hold face value, all face cards are valued at 10.
- The game starts once bettors have placed a wager on Player, Banker, or Tie.
- Scores are calculated with added value of cards together and only using the second digit for values over 10.
- Additional cards are not given when either the Player or Banker hand has 8 or 9.
- Additional cards are given to hands with values lower than 6.
- Only 1 additional card can be added to a hand to increase the value
Betting Options, Odds & Payouts in Baccarat
The three outcomes are that the:
- player hand wins
- the banker hand wins
- the game results in a tie.
Since a tie is the most unlikely outcome, a correct prediction on this one will reward you with odds of 8 to 1. A bet on the player’s hand will grant you even money. The same goes for a correct bet on the banker’s hand, although you’ll have to forego 5% of your win as a commission to the house.
Online Baccarat vs Land Based Baccarat
As mentioned in the history, baccarat used to be a game for the elites. And in the times of land-based casinos this was kept up. The separate chambers and high buy-ins prevented your average casino-dwelling everyday-man from playing baccarat a lot.
But in the days of online casinos, no such restrictions exist anymore. Everyone can now play a round of online baccarat wherever and whenever they want to. Just navigate to your favorite online casino and there you can choose to either play online baccarat in the table games section or even at a live casino table.
You’ll get the pure baccarat experience without having to leave the comfort of your own home. What’s not to like?
Popular Baccarat Strategies
Applying a strategy to your Baccarat game improves your overall winning opportunity. Strategies apply a betting method to your game. Should a particular event take place such as winning or losing, the strategy tells you what to do next for the best possible result.
Progressive Baccarat Strategy
The progressive strategy is one of the most popular and oldest systems with games that provide even money, such as Roulette, Blackjack, and Baccarat. The system requires information regarding the table, including the limits such as minimum bet and the highest possible wager allowed by the table.
This is important as the lowest bet sets your starting point as a new player, and the maximum bet would indicate how many times you can double up or progress your wager.
Let’s assume the lowest bet on the table is $1.00, which will also represent your starting bet value. Should you win the first hand, simply take the profit and leave the $1 bet on the table. Should you lose, double the bet to $2.00, providing $4 of the hand wins. This will cover the $1.00 bet lost in the round before, return the $2.00 bet placed in the last round, and provide $1.00 in profit.
The reason you need to start with the lowest bet is because a few losing hands will result in a much bigger bet as the value is doubled repeatedly. For example, $1.00 would become $2, $4, $8, $16, $32, $64, $128 and so on. Losing 7 hands repeatedly is unlikely, but still possible. It’s highly recommended to have a higher than usual account balance to ensure all double up bet values are covered.
The final rule of the progressive system is that the same bet needs to be placed until a win happens. For example, should the first bet be placed on Player, do not double up and move to Banker as this could easily result in multiple losing hands, increasing the wager value to massive amounts.
Advanced Progressive Strategy
Using the exact same strategy from above, you can increase the winning values of each round. However, this only works on tables with higher limits and players require a higher account balance.
As mentioned above, the regular progressive system only requires you to double the last bet on a losing hand and return to the lowest bet on a winning hand. Here you increase your bet more than just double the amount, increasing the wager along with profits.
The regular system would regular a bet of $1.00 to be increased to $2.00, and $4.00 and so on. This will result in a profit of $1.00 when you win. The advanced progressive system works the same, but instead of just going to $2.00 from $1.00, you would increase to $3.00, then $6.00, and so on. This small increase would result in a profit of $2.
Players who use the system include multiple increase levels, though, meaning the more they risk, the higher the profit. For example, they would start with $1, $3 (instead of $2), $6, $14 (instead of $12), $28, $60 (instead of $56). In the example, 6 hands were played. Should the regular system have been used, all the wager values would have been won back, and a $1 profit would have been created.
With the system above, a total of $112 would have been wagered by round 6; the winnings would have been $120, giving the player all the wager values back in full along with an $8 wager amount.
However, keeping track of this system would be a bit more difficult in regards to keeping to the correct value. Luckily with online baccarat, players are able to use programs such as Excel to keep track of these systems, winnings, and how well it all works.
While the most common version is the one we explained in this guide, there are other variations of online baccarat that you can give a try.
One of the most common variations is EZ (easy) baccarat. You play it with the same rules as standard baccarat with a few slight differences. You don’t have to forego a house commission when you bet on the banker hand. If the banker gets a 7 with three cards, nobody wins since this is considered a push and you have two more betting options: Dragon 7 and Panda 8!
The Dragon 7 bet is one that you can make on top of your decision on the three traditional outcomes. Basically, the Dragon 7 overrides the possibility of a push and will get you a win if that outcome occurs. And it pays well with a 40 to 1!
The Panda 8 pays out 25 to 1 if the player hand totals 8 on the third card, simple as that.
Super Six Baccarat is another variation with an additional side bet. Here you can place a bet on the banker hand winning with a score of six and if that happens, you’ll receive a sweet payout of 12 to 1.
Three-card baccarat on the other hand places some additional value on face cards. Here, the best possible outcome is to have three face cards and if a tie occurs, the hand with more face cards wins. There is also another possible bet to be placed here: Three Faces. if the banker hits three face cards, this bet will be paid out. And since the chances for this outcome are pretty slim, you can bag yourself odds of up to 96 to 1!
Dos and Don’ts in Baccarat
The most important thing when playing online baccarat is having fun and playing inside your financial means. You should never overextend yourself on your bets. Only play as much as you can afford to lose when push comes to shove.
It’s also important to know the basic rules (so after reading this guide you should be covered on that quite nicely). What you shouldn’t do is rely on betting strategies, but it doesn’t hurt to know and understand them.
One last tip from us is that you should avoid betting on a tie. It’s a rare outcome and the 8 to 1 odds don’t really reflect how rare. You’ll have much more fun just placing your bets on the even money outcomes and it will also stretch your bankroll for a much longer amount of time.
The Origins & History of Baccarat
15th century – Seeing that baccarat goes straight back to the times of Columbus and co. means that it is one of the oldest casino games in existence. It was invented in Italy and that is also where the name stems from, since baccara used to mean zero in Italian. And since all the face cards (except the ace) and tens have zero value in baccarat, you can see why it is more than fitting.
16th century – It is believed that baccarat made its way to neighboring France at the end of the 15th century thanks to soldiers returning from the Franco-Italian War. They brought it to their home country during the reign of Charles VIII and it the game became an instant hit with his majesty himself and his surrounding noblemen. Soon after, baccarat became a favorite among the French aristocracy and remained so for several centuries.
20th century – Let’s take a big jump here and explore how baccarat made its way over the channel to England where it caught the attention of one Ian Fleming who became a big fan and incorporated baccarat into his crime novels, creating the world’s most famous fictional baccarat player. We are, of course talking about the spy James Bond!
Over time, baccarat also made its way to the United States where it was incorporated into casinos in Las Vegas in the 1950s. And while it didn’t catch on like roulette or slot games, it became a staple of casino play for the gambling elite and was also marketed as such. Baccarat tables were set up in separate rooms with high-end furniture and high minimum bets, making the game somewhat special and only open to a select few.
21st century – Fast forward to nowadays and baccarat finally got rid of its reputation of being elitist thanks to the rise of online casinos. Nowadays, everybody can play online baccarat in the online casino of their choice. They might not sit in cushy chairs of the finest leather and they might not drink the most expensive scotch while they’re doing it, but that doesn’t matter anymore. Today, baccarat is open to anyone.