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Punto banco, baccarat banque, and chemin de fer are the three most popular baccarat variants. There are several other baccarat variations available at online casinos, and below we’ve outlined the most common games you’ll find. Learn how the gameplay, betting, and payouts work.

Punto bancoChemin de ferBaccarat Banque Mini baccarat3-card baccaratEuropean baccaratMacao Dragon Tiger

Punto banco

This is the most common version of online baccarat, and the one most people will associate with the game. Players (punto) bet against the banker (banco), and so the casino is financially involved in the game.

Players are trying to get as close to nine as possible, and higher than the banker’s hand, without exceeding nine. Bets are taken on either the player or banker having the winning hand, or egalitie (tie).

Eight decks of cards are used in this variant, with the player and the banker receiving two cards each. Players can take an additional card if their hand total is below five.

A winning punto bet pays out 1:1. Banco wins pay out 95:100 with a 5% house edge. A winning tie bet pays out 8:1.

Chemin de fer

In this version players bet against each other, rather than the banker, and the casino stakes no money in the games. Instead, players take turns at being the banker, running anticlockwise round the table. There’s more financial risk to each player here as the banker takes on the bets of the other players.

The game is played with six decks of cards, with one player and the banker receiving two cards each in each round. Again, players can take an additional card if their hand scores below five.

A winning player bet pays out 1:1. Payouts for other outcomes differ, because when the banker wins all losing bets pass to them and the game continues (at their discretion). For a tie, all bets remain on the table for the next round. There will be a 5% house edge on a banker hand winning.

Baccarat Banque

In this variant players bet against the banker, rather than each other. While different players can take the banker role on, the casino always has a stake in the game and players don’t take on additional financial risk as banker. The designated banker will be the player who makes the largest wager.

Baccarat Banque is played with three decks of cards. The player and banker receive two cards each, though in Deux Tableaux three two-card hands are dealt, with two for the player and one for the bank. Players can take an additional card if their hand is valued below four.

Because of the additional hand, instead of a tie bet, players can bet on both player hands or the banker’s.

Baccarat Banque payouts are typical for baccarat, with 1:1 for a winning player hand and 19:20 for a winning banker hand, with 5% house edge.

Mini baccarat

This is simply a smaller, faster paced version of the full game with no drawing or standing. Players are again betting on the player, banker or tie. The dealer has sole responsibility for shuffling the cards, and the game is played for lower stakes, which makes it more accessible for players.

As per the full size game, a winning player hand pays out 1:1. A winning bet on the banker pays out 95:100 with a 5% house edge. Tie bets pay out 8:1.

3-card baccarat

This is a faster paced game played with a single deck. The objective is to get the highest scoring hand (and not necessarily closest to nine). The player and banker get three cards each, with no option for additional cards.

At some online casinos, 10 is deducted on scores above nine (others leave the high scores at two digits). A winning hand for the main bet will have the most face cards, with points being used to determine the score if the number of face cards is equal.

Winning player bets pay 97:100 (with a 3% house edge), a winning tie bet pays out 25:1. Any additional bets on the dealer’s points total, if correct, pay out 8:1.

European baccarat

In this variant, players have the unique option to stand their hand or draw another card if the hand is valued at five. The banker is also able to draw a third card at any point. The banker is funded by the casino, so if one player covers the banker’s funds, the other players will not be able to bet in that round.

As with most variants, a winning player or banker hand pays out 1:1, with 5% house edge on banker hand payouts. Tie bets pay out 8:1.

Macao

Similar to punto banco, in this game players are playing against the banker and aiming for a hand as close to nine in two-three cards. However, players only have the option to bet on the player hand winning, not the banker’s. Also, in Macao players go bust and exit the game if their score exceeds nine (in other variants any scores above nine will have 10 subtracted).

The game is played with two decks of cards. Players take turns in the banker role, running clockwise round the table. A natural nine pays out 3:1, a natural eight pays 2:1. All other winning hands pay out 1:1.

Dragon Tiger

This is a simpler, two-card version of baccarat played similarly to punto banco. The player and banker (dragon and tiger) receive just one card each, with the aim of having the higher value card of the two. Players bet on which card wins, or on a tie. There are also additional side bets, for example on the likelihood of a suited tie.

A winning bet pays out 1:1 with a 3.73% house edge. Tie bets pay out the usual 8:1, but be wary of the house edge on these bets, as it’s a very high 32.77%.

This is the most common version of online baccarat, and the one most people will associate with the game. Players (punto) bet against the banker (banco), and so the casino is financially involved in the game.

Players are trying to get as close to nine as possible, and higher than the banker’s hand, without exceeding nine. Bets are taken on either the player or banker having the winning hand, or egalitie (tie).

Eight decks of cards are used in this variant, with the player and the banker receiving two cards each. Players can take an additional card if their hand total is below five.

A winning punto bet pays out 1:1. Banco wins pay out 95:100 with a 5% house edge. A winning tie bet pays out 8:1.

In this version players bet against each other, rather than the banker, and the casino stakes no money in the games. Instead, players take turns at being the banker, running anticlockwise round the table. There’s more financial risk to each player here as the banker takes on the bets of the other players.

The game is played with six decks of cards, with one player and the banker receiving two cards each in each round. Again, players can take an additional card if their hand scores below five.

A winning player bet pays out 1:1. Payouts for other outcomes differ, because when the banker wins all losing bets pass to them and the game continues (at their discretion). For a tie, all bets remain on the table for the next round. There will be a 5% house edge on a banker hand winning.

In this variant players bet against the banker, rather than each other. While different players can take the banker role on, the casino always has a stake in the game and players don’t take on additional financial risk as banker. The designated banker will be the player who makes the largest wager.

Baccarat Banque is played with three decks of cards. The player and banker receive two cards each, though in Deux Tableaux three two-card hands are dealt, with two for the player and one for the bank. Players can take an additional card if their hand is valued below four.

Because of the additional hand, instead of a tie bet, players can bet on both player hands or the banker’s.

Baccarat Banque payouts are typical for baccarat, with 1:1 for a winning player hand and 19:20 for a winning banker hand, with 5% house edge.

This is simply a smaller, faster paced version of the full game with no drawing or standing. Players are again betting on the player, banker or tie. The dealer has sole responsibility for shuffling the cards, and the game is played for lower stakes, which makes it more accessible for players.

As per the full size game, a winning player hand pays out 1:1. A winning bet on the banker pays out 95:100 with a 5% house edge. Tie bets pay out 8:1.

This is a faster paced game played with a single deck. The objective is to get the highest scoring hand (and not necessarily closest to nine). The player and banker get three cards each, with no option for additional cards.

At some online casinos, 10 is deducted on scores above nine (others leave the high scores at two digits). A winning hand for the main bet will have the most face cards, with points being used to determine the score if the number of face cards is equal.

Winning player bets pay 97:100 (with a 3% house edge), a winning tie bet pays out 25:1. Any additional bets on the dealer’s points total, if correct, pay out 8:1.

In this variant, players have the unique option to stand their hand or draw another card if the hand is valued at five. The banker is also able to draw a third card at any point. The banker is funded by the casino, so if one player covers the banker’s funds, the other players will not be able to bet in that round.

As with most variants, a winning player or banker hand pays out 1:1, with 5% house edge on banker hand payouts. Tie bets pay out 8:1.

Similar to punto banco, in this game players are playing against the banker and aiming for a hand as close to nine in two-three cards. However, players only have the option to bet on the player hand winning, not the banker’s. Also, in Macao players go bust and exit the game if their score exceeds nine (in other variants any scores above nine will have 10 subtracted).

The game is played with two decks of cards. Players take turns in the banker role, running clockwise round the table. A natural nine pays out 3:1, a natural eight pays 2:1. All other winning hands pay out 1:1.

This is a simpler, two-card version of baccarat played similarly to punto banco. The player and banker (dragon and tiger) receive just one card each, with the aim of having the higher value card of the two. Players bet on which card wins, or on a tie. There are also additional side bets, for example on the likelihood of a suited tie.

A winning bet pays out 1:1 with a 3.73% house edge. Tie bets pay out the usual 8:1, but be wary of the house edge on these bets, as it’s a very high 32.77%.

It’s essential to know the rules before you play online baccarat at a real money casino. You can read our full guide to how to play baccarat, and, in brief, here’s how a standard game works:

76. 1Find a baccarat casino and select your game
77. 2Place a bet on either the player or banker’s side
78. 3Two cards are dealt to both the player and the banker
79. 4If the sum of either hand is eight or nine, no more cards are dealt
80. 5If either hand equals 0-5, a third card is dealt
81. 6The winning is hand is the closest to nine The aim of online baccarat is to get a hand as close to nine as possible, and to be closer than the banker’s hand. Here are the basics to know before joining an online baccarat casino:

• Baccarat is played using a 6 or 8-deck shoe
• The cards 2-9 carry their face value
• Aces are equal to 1
• 10, J, Q, K are equal to 0
• Suits aren’t important in hand rankings
• If your score goes over nine, you drop the first digit

There are three types of bets in a baccarat game online – the Player, the Bank, and the Tie. One thing to know is that baccarat has the lowest house edge of any other table game. What do we mean by house edge? It’s the advantage that the house has and the profit the casino makes over time.

Most online baccarat casinos offer a sign-up casino bonus to new players. This usually comes in the form of a deposit match. Each casino’s bonus will be different and include different expiry lengths and wagering requirements. We’ve created our bonus calculator so you can find the best promotions to play baccarat online and at live dealer casinos!

TipFind a high bonus amount with low wagering requirements – it’ll help you get the most out of your pot when you play baccarat online for real money.Bonus Calculator

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Claim offer Our team of reviewers at Casino.org are players themselves, and use their industry knowledge and experience to carefully review any baccarat casino online. We consider several important factors in our review process when deciding whether to recommend a casino, including the baccarat games offered.

Security & fairness

Your money and data should be in safe hands when gambling online. We check that casinos use security measures such as SSL encryption to keep your information safe, and also look out for valid licenses and evidence of third-party auditing to ensure games are fair.

Bonuses

A bonus is a great way to increase your bankroll, and offers should be available at all good casinos where you play baccarat online. Many will also offer regular promotions and even a VIP club with special rewards for returning players.

Quality games & software

At any quality online baccarat casino, we expect to see a high number of game variants and live dealer games. A varied selection of other table games, slots, and live dealer options from top casino software developers is also crucial for a top rating.

Mobile options

Playing baccarat on the go should be easy, and with the huge popularity of mobile casino games it’s important that casinos are optimized for smaller screens. Websites should run smoothly on all devices, and an app that players can download to their preferred device is a great bonus.

Customer care

Addressing players’ needs should be a top priority at any high-quality casino, and we expect to see top-notch customer service available to players around the world, via a range of means.

Banking & payouts

Being able to manage your funds using your preferred banking method is a huge factor when choosing an online baccarat casino, so we like to see a good range of options available. It’s also important that deposits and withdrawals are made quickly, without excessive processing times.

4.1/5View our recommended casinos

Your money and data should be in safe hands when gambling online. We check that casinos use security measures such as SSL encryption to keep your information safe, and also look out for valid licenses and evidence of third-party auditing to ensure games are fair.

A bonus is a great way to increase your bankroll, and offers should be available at all good casinos where you play baccarat online. Many will also offer regular promotions and even a VIP club with special rewards for returning players.

At any quality online baccarat casino, we expect to see a high number of game variants and live dealer games. A varied selection of other table games, slots, and live dealer options from top casino software developers is also crucial for a top rating.

Playing baccarat on the go should be easy, and with the huge popularity of mobile casino games it’s important that casinos are optimized for smaller screens. Websites should run smoothly on all devices, and an app that players can download to their preferred device is a great bonus.

Addressing players’ needs should be a top priority at any high-quality casino, and we expect to see top-notch customer service available to players around the world, via a range of means.

Being able to manage your funds using your preferred banking method is a huge factor when choosing an online baccarat casino, so we like to see a good range of options available. It’s also important that deposits and withdrawals are made quickly, without excessive processing times.

4.1/5 View our recommended casinos As with many other table games at casinos, betting systems can be applied to reduce the losses you’ll make from a game, and hopefully also increase your winnings. We’ve included a few examples below for you to try out in your next online baccarat game. Generally these systems apply to bets on the player, as these pay out 1:1. Banker bets will have a house edge.

Martingale

The Martingale system in baccarat works by doubling your bets after any losses, and making only the minimum bet after wins. The rationale behind this system is that, by continuing to double on each loss, the next winning bet will recover your losses and leave you in profit.

Obviously the Martingale system requires a large bankroll to keep doubling bets on losses, and so is not practical for every player. Also be aware of betting limits - baccarat games don’t run on indefinitely, and you could find that doubling your bets reaches the game limit before a win covers your accumulated losses.

Labouchere

In the Labouchere baccarat system, players define an amount they’re looking to win and break this down into a list of numbers. These numbers determine the amounts wagered in each hand of the game in an attempt to maximize short term profit and reach the intended goal.

For example, if you wanted to win $50 on baccarat, you could split this amount using the sequence 8, 9, 10, 11, 12 (which adds up to the $50 total). To bet, you add the two end numbers together. 8+12 would make your first bet $20. If the bet wins, you cross 8 and 12 off the list and move to the next end numbers (9 and 11). If the $20 bet loses, however, you add the 20 to the number sequence. Your next bet becomes 8+20, so $28.

Similarly to Martingale, following Labouchere means betting more when you lose hands. Again be mindful of the financial outlay of this system before you decide what works for you.

1-3-2-6

In baccarat, 1-3-2-6 is a number sequence strategy for determining the size of the bets you make in each hand of the game. With each wining bet, you progress up the betting sequence. If you lose a bet, the sequence begins again.

This system is designed to maximize short winning streaks and minimize losses. However, you will incur a small loss if you lose on the first two bets.

1-3-2-4

The 1-3-2-4 baccarat strategy is similar to the 1-3-2-6 strategy, but without a hefty 6x wager. It again requires you to increase your wager each time you win a hand. After any losing hand you return to your original stake amount.

The numbers represent the increase in stake. So after a winning hand on an initial bet you’d increase the stake 3x. If that hand wins you increase the stake again 2x, and then finally 4x. Assuming no hand loses, the sequence then starts again.

One sided

The one sided baccarat strategy is very simple, and involves choosing to consistently bet on either the player or banker. The aim of this strategy is to benefit from the fluctuations of advantageous hands any one side will see over time.

The presumption is that this strategy will allow the bettor to break even through the game, and also gain a profit when their side receives favorable hands. It aims to follow the slight changes in statistical advantage both player and banker will enjoy over time. When using this strategy, it’s good to have a target for how much you’d like to win so you know when to end your game.

Paroli

The baccarat Paroli strategy is one of the few positive betting systems. Positive means you increase (in this case double) your bet each time you win. The Paroli sequence of bets is 1-2-4, and after a loss you go back to 1 and restart.

It’s advisable to stop doubling after the third bet, as there’s a risk of running into the red if you push your luck too far and your winning streak ends. Simply start the sequence again. There really isn’t much more to it.

Fibonacci

To use Fibonacci for baccarat strategy, your stake amount is multiplied by a number in the Fibonacci sequence (1, 1, 2, 3, 5, 8, 13, 21, 34, 55, 89), where the next number is the sum of the previous two. You work up through the sequence in each hand of the baccarat game. If you start with a 1x wager, a losing hand means you’d bet 1x in the next, and the next hand would be 2x. A winning bet moves you back by two numbers in the sequence.

Again, remember that this kind of system requires you to wager more when your bets are losing. The goal is to cover losses with an eventual win, but you’ll need a bankroll big enough to fund this betting style.

d’Alembert

The d’Alembert system applies a rule of increasing bets by one unit for a loss, and decreasing by one unit on a win. To apply d’Alembert to baccarat, establish how much money one unit represents in your betting and then apply the rule.

Let’s say you’re betting $10. The sequence might play out like this:

139. 1Bet $10 and lose
140. 2Bet $20 and lose
141. 3Bet $30 and win
142. 4Bet $20 and lose
143. 5Bet $30 and lose
144. 6Bet $40 and win Keep in mind that this system also requires betting more while you’re losing, so you need to be prepared for that in your bankroll calculations.

The Martingale system in baccarat works by doubling your bets after any losses, and making only the minimum bet after wins. The rationale behind this system is that, by continuing to double on each loss, the next winning bet will recover your losses and leave you in profit.

Obviously the Martingale system requires a large bankroll to keep doubling bets on losses, and so is not practical for every player. Also be aware of betting limits - baccarat games don’t run on indefinitely, and you could find that doubling your bets reaches the game limit before a win covers your accumulated losses.

Labouchere

In the Labouchere baccarat system, players define an amount they’re looking to win and break this down into a list of numbers. These numbers determine the amounts wagered in each hand of the game in an attempt to maximize short term profit and reach the intended goal.

For example, if you wanted to win $50 on baccarat, you could split this amount using the sequence 8, 9, 10, 11, 12 (which adds up to the $50 total). To bet, you add the two end numbers together. 8+12 would make your first bet $20. If the bet wins, you cross 8 and 12 off the list and move to the next end numbers (9 and 11). If the $20 bet loses, however, you add the 20 to the number sequence. Your next bet becomes 8+20, so $28.

Similarly to Martingale, following Labouchere means betting more when you lose hands. Again be mindful of the financial outlay of this system before you decide what works for you.

1-3-2-6

In baccarat, 1-3-2-6 is a number sequence strategy for determining the size of the bets you make in each hand of the game. With each wining bet, you progress up the betting sequence. If you lose a bet, the sequence begins again.

This system is designed to maximize short winning streaks and minimize losses. However, you will incur a small loss if you lose on the first two bets.

1-3-2-4

The 1-3-2-4 baccarat strategy is similar to the 1-3-2-6 strategy, but without a hefty 6x wager. It again requires you to increase your wager each time you win a hand. After any losing hand you return to your original stake amount.

The numbers represent the increase in stake. So after a winning hand on an initial bet you’d increase the stake 3x. If that hand wins you increase the stake again 2x, and then finally 4x. Assuming no hand loses, the sequence then starts again.

One sided

The one sided baccarat strategy is very simple, and involves choosing to consistently bet on either the player or banker. The aim of this strategy is to benefit from the fluctuations of advantageous hands any one side will see over time.

The presumption is that this strategy will allow the bettor to break even through the game, and also gain a profit when their side receives favorable hands. It aims to follow the slight changes in statistical advantage both player and banker will enjoy over time. When using this strategy, it’s good to have a target for how much you’d like to win so you know when to end your game.

Paroli

The baccarat Paroli strategy is one of the few positive betting systems. Positive means you increase (in this case double) your bet each time you win. The Paroli sequence of bets is 1-2-4, and after a loss you go back to 1 and restart.

It’s advisable to stop doubling after the third bet, as there’s a risk of running into the red if you push your luck too far and your winning streak ends. Simply start the sequence again. There really isn’t much more to it.

Fibonacci

To use Fibonacci for baccarat strategy, your stake amount is multiplied by a number in the Fibonacci sequence (1, 1, 2, 3, 5, 8, 13, 21, 34, 55, 89), where the next number is the sum of the previous two. You work up through the sequence in each hand of the baccarat game. If you start with a 1x wager, a losing hand means you’d bet 1x in the next, and the next hand would be 2x. A winning bet moves you back by two numbers in the sequence.

Again, remember that this kind of system requires you to wager more when your bets are losing. The goal is to cover losses with an eventual win, but you’ll need a bankroll big enough to fund this betting style.

d’Alembert

The d’Alembert system applies a rule of increasing bets by one unit for a loss, and decreasing by one unit on a win. To apply d’Alembert to baccarat, establish how much money one unit represents in your betting and then apply the rule.

Let’s say you’re betting $10. The sequence might play out like this:

170. 1Bet $10 and lose
171. 2Bet $20 and lose
172. 3Bet $30 and win
173. 4Bet $20 and lose
174. 5Bet $30 and lose
175. 6Bet $40 and win Keep in mind that this system also requires betting more while you’re losing, so you need to be prepared for that in your bankroll calculations.

To help you get the most out of your online baccarat game, our experts have listed a few quick tips to keep in mind.

If you’re in a land-based casino, find a house edge below 5%

You want to know that, while you’re honing your gaming skills, you are playing for the most you can get, rather than giving it all back to the casino in fees.

Don’t bet on a tie

Despite the high payout should you win, the tie wager stings you with an astronomical house edge of 14.44%. As it’s so unlikely to actually happen, you’re better off saving your money and betting on the player or the banker instead.

Try a betting strategy to mitigate some of your losses

The games will run long, so follow the patterns in the game and let your bets follow where it is headed.

Bet on the banker

With slightly higher odds of winning at 45.8% as opposed to a bet on the player of 44.6%, betting on the banker can pay off the most in the long run. If they go on a winning streak, keep betting on the banker until they lose.

You want to know that, while you’re honing your gaming skills, you are playing for the most you can get, rather than giving it all back to the casino in fees.Despite the high payout should you win, the tie wager stings you with an astronomical house edge of 14.44%. As it’s so unlikely to actually happen, you’re better off saving your money and betting on the player or the banker instead. The games will run long, so follow the patterns in the game and let your bets follow where it is headed.With slightly higher odds of winning at 45.8% as opposed to a bet on the player of 44.6%, betting on the banker can pay off the most in the long run. If they go on a winning streak, keep betting on the banker until they lose.For many players, the betting action between player and banker has to be experienced face to face, and so live baccarat that streams the action from a table with real dealers is one of the most popular online baccarat games. Players enjoy action in real time, interact with the dealer and observe and bet on physical card play. You’ll find a choice of dealers and different baccarat varieties at our top live baccarat casinos.

Best live baccarat casinos As one of the oldest casino games, baccarat has a very interesting past. Our quick history takes you through everything, right up to the sophisticated online baccarat gaming we enjoy now.

• Baccarat is said to be one of the world’s oldest casino games, and was allegedly created by an Italian gambler named Felix Falguiere in the middle ages.
• Although its exact origins are unclear, the first written records of the game are from the 19th century, when it was especially popular with the French nobility.
• By the end of the 19th century, the game had found its way to the USA, as Europeans made their way across the Atlantic. But it wasn’t until the 1950s that it gained popularity in casinos, with the variants punto banco, baccarat banque, and chemin de fer being widely offered.
• Nowadays, you’ll find many different variants available both in land casinos and online. Most online casinos will offer a selection of baccarat games, with live dealer baccarat often a popular choice for players.

What is baccarat?

Baccarat is a casino card game where two hands, the player and the banker, compete to score the closest to nine. Contrary to popular belief, it’s one of the easiest casino card games for new players to learn. In many ways similar to blackjack, baccarat features a player and a banker, with each being dealt two cards.

What’s the goal of baccarat?

The objective of baccarat is to achieve a hand with the closest value to nine, beating the banker’s hand. No hand can be valued above nine, so if the total of your hand exceeds this the score drops its first digit. Thus 12 becomes two, 18 becomes eight, etc. Bets are made on either the player, banker, or a tie.

What baccarat variations are available?

Some online casino favorites include punto banco, chemin de fer, baccarat banque and mini baccarat. There are a lot of different baccarat variants out there, many of which can also be played online with a live dealer. The objective of most variants remains the same, with just some slight changes to the rules of play.

What are the odds of winning at baccarat?

The odds of winning baccarat are a little shy of 50/50. The player hand wins 44.62% of the time and the banker’s hand wins 45.85%. The average payout percentage for baccarat is around 98%, giving the player fairly decent odds against the house. The bets with the highest odds of success are on the banker or the player. Bets on a tie are much less likely to win, although the payout is much greater.

Is baccarat a game of skill?

No, baccarat is all based on luck and the only choice you make is what you bet on when playing. As long as you place a bet on the player or dealer hand, you have a decent chance of winning with each round.

What is the best baccarat bet?

Betting on the banker hand is the safest baccarat bet. It has the best chance of winning and offers a higher return to player. It’s also worth bearing in mind that while a bet on the bank does have this slight advantage over bets on the player, there is a commission that must be paid on winnings made 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 edge over the house and you might only gain a small advantage toward the very end of the shoe, meaning it’s not really worth your while. When playing online, casinos will use an RNG that generates random cards each time a hand is dealt, making card counting impossible.

Are online baccarat games rigged?

No. At all good casinos, such as those recommended on our site, a random number generator will be used to draw cards. If you’re unsure whether a casino is operating fairly, look out for a seal from an independent auditing body such as eCOGRA. If you’re wondering about house edge, you should be able to check this on the casino’s site before you start playing.

How does no commission baccarat work?

No commission baccarat removes the 5% house edge that’s normally taken on winning banker hand bets. Bear in mind the casino will cover its commission by instead taking 50% on any winning banker hand that scores six, which occurs approximately every 19 hands.

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