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The game baccarat was invented in France and is deemed one of the oldest card games in Europe. Once a popular game in land-based casinos, today its popularity has also spread to online casino platforms. Whether you are an experienced baccarat player or have never played it before, we recommend you read this article to learn more about this game and its nuances.

  • Popular in live casinos
  • Diversity in the game's variations
  • Specific bonuses and promotions for baccarat
  • Less socializing compared to land-based casinos

The Best Baccarat Casinos

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ICE Casino
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Description of Baccarat

Have you ever played Baccarat? If so, then you already know how exciting this game is! Anyone playing this casino game will lose themselves in a world full of adrenaline, pleasant tension, and intrigue.

Baccarat is led by a banker, so you could be competing against either a computer or a live dealer in an online casino.

Baccarat is easy to grasp and play. There are three possible outcomes in this game:

  • Player wins;
  • Banker wins;
  • A tie;

Types of Bets in Baccarat

We have already touched upon various types of baccarat bets but keep reading to discover more.

Type of betHouse edgeOdds of a win
Banker hand1,06%45,86%
Player hand1,36%44,62%
Banker hand
The main thing you need to know is that the banker hand usually comes with a commission rate. It can vary by casino but the average commission is 5%. This is a type of bet you may want to avoid if you use a betting system.
However, if you do want to maximize your payout from the 1.06% edge, then you should stick to the banker hand. 1.06% is a decent bet that will stabilize your game to some extent.
Player hand
It can be said with confidence that the player hand is the second-best choice in baccarat. It is better than wagering on a tie, but less advantageous compared to the banker hand.
It must be noted though that you will not be charged a commission if this bet wins, unlike in the case of the banker hand.
A tie bet
It is possible that this bet was introduced to spice up the game, however, most players do know that the banker wins, while the player is there to maintain consistency, so a tie bet is nothing more than just a standard bet.
Additional bets
These bonus bets are placed on a baccarat round to predict whether the next round will end with the banker’s victory, the player’s victory or a tie.

How to Play Baccarat?

Have you never played baccarat before? No need to worry! Follow the steps outlined below to learn about the basics of this game and you will be able to join a baccarat table in no time.

Step 1

Choosing your bet.

To begin with, you will have to wager on one of the following outcomes: the bank hand, the player hand or a tie. We urge you to rigorously research available tips and game strategies to increase your chances of winning before you place your bet.

Step 2

Dealing cards.

You and the banker will be dealt two cards each. You will be the first to receive the cards face up. You and the banker will be dealt a third card, but only if the rules allow.

Step 3


The values of each hand will be added up from the first two cards. If the total is a double-digit number, then the right digit will be the total.

Step 4

Determining the winner.

The hand closest to number 9 wins the game. If you wager on the banker hand and the banker wins – you also win. Simple, isn’t it? We are convinced that after practising a few times, you will master this game to a full degree.

Advantages and Disadvantages of Baccarat

Baccarat is one of the most popular casino games worldwide. It is an easy game that does not require complex strategy or special knowledge, and you can play it with very low stakes. Like any other game, online baccarat has both pros and cons.

AvailabilityWhether you're at home or traveling, you can play the game whenever you want. You don't have to worry about casino dress code, working hours and other factors. Online baccarat allows players to play the game at any time and place convenient for them.
DiversityPlayers can choose between live dealer games and other offers, each with its own unique rules, bet limits and bonus bets. This allows you to customize your experience according to your comfort level or maximum bet. These choices make baccarat truly accessible to all types of players, from high-stakes veterans to beginners.
Bonuses and promotionsWith the huge potential for winning, no wonder that online baccarat is becoming more and more popular. Many online casinos offer special bonuses and promotions for baccarat players. Cashback and deposit bonuses are just some of the bonuses available that can really help increase your chances of winning.
Less socializingOnline baccarat has become increasingly popular as a convenient and affordable alternative to a real casino, however, it cannot offer the social aspect of meeting real people and placing bets in person.
Bonuses and promotions
Lower rates
Less socializing

Baccarat Variations

Please note that there are multiple Baccarat variations. What are they? Continue reading to learn about the most popular variations of the game.

European Baccarat

In European baccarat the player’s bet cannot exceed the bank’s bet, so once that set amount is reached, new bets are no longer accepted.

What exactly does that mean? For example, if the casino has set a total bet of €5000 and the first player’s bet is €4000 followed by a €1000 bet, then the bank has been emptied.

Punto Banco

Punto Banco is the most common baccarat variation.

How to play Punto Banco? It is simple! Both the player and banker try to create a hand closest to number 9.

Dragon Tiger

What are the rules of this baccarat variation? Two cards are dealt, one being a dragon and the other one a tiger. The player predicts which one has a higher value.

Chemin de Fer

Chemin de Fer is one of the oldest variations of baccarat. It first emerged in the 19th century in France and its name derives from the French word “railway.”

In spite of its huge popularity in France, Chemin de Fer is not a popular baccarat variation in other countries.

CasinoNumber of baccarat gamesThe most popular gameRTPAlternatives
William Hill9Speed Baccarat98.94%Low Limit Baccarat, Bet On Baccarat, First Person Baccarat, Lightning Baccarat
Vulkan Vegas39Baccarat Gold98.94%Baccarat Mini, Lightning Baccarat, Tiger Bonus Baccarat, Speed Baccarat
Mr Green4Lightning Baccarat98.76%Golden Wealth Baccarat, Speed Baccarat
Olybet6Mini Baccarat98.76%Big Win Baccarat, Lightning Baccarat, Golden Wealth Baccarat
Fairspin.io68Speed Baccarat98.94%Lightning Baccarat, No Commission Baccarat, Side Bet City, Baccarat Squeeze

The Best Casinos for Each Baccarat Variation

✅ The best European baccarat casinoMr Green
✅ The best Punto Banco casinoLaimz Casino
✅ The best Dragon Tiger casinoStake Casino
✅ The best Chemin de Fer casinoWazamba
Min deposit €10.00
Time to withdraw One to three days
Min deposit €5.00
Time to withdraw One to five days
Mr Green
Mr Green
Min deposit €5.00
Time to withdraw One day

Live Baccarat

If you are looking to maximise your betting opportunities and get an unforgettable adrenaline rush, we recommend visiting a live casino, where you will have a chance to play your favourite baccarat game led by a professional live dealer.

Baccarat Alternatives

Are you a fan of baccarat? Then you will definitely enjoy playing the table games described below. If you have not played them yet, we recommend joining a table to try your luck.


Poker is a game that is normally played with a 52-card deck. To play poker you will need both luck and skills.

How to play poker? Players bet against each other using poker chips. You can also use real money, but chips are more common for practical reasons as they are easier to handle and count.

At the end of the game, players exchange their chips for money, or the chips are added up to determine the winners.


Blackjack is a card game, also known as “twenty one”. The player’s main objective is to collect cards that are higher in value than those of the dealer, but not exceeding 21.


What is the key element of roulette? Roulette wheel and bet board. How to play roulette? In a nutshell, the player has to bet on a number or number groupings that, they think, will come up on the wheel. The dealer spins the wheel while the player is watching, hoping that the ball will land in the pocket with the number they selected. That’s all!

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🏅 The best Baccarat casinoCosmic Slot
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🎲 The biggest selection of Baccarat gamesLaimz kazino
📱 No.1 mobile BaccaratMr Green

Baccarat Strategies

Baccarat is one of the simplest card games. It is easy to learn, even if you are a beginner. We have put together the 4 simplest baccarat strategies to learn and practice in order to win.

Avoid tie bets

A word of friendly advice – avoid tie bets. It is common knowledge that among all casino table games baccarat is the safest, however, bear in mind that tie bets are very risky. The chances of winning this bet are slim.

This bet does have the biggest payout, 8:1, but statistically, it is highly unlikely you will win with this bet. This bet has a high house edge, up to 14.36%. Simply put, if you place 100 bets worth €1, statistically you would lose €14.36 and that is not the worst case scenario. It is a lot of money to simply hand to the casino just because you have overestimated your luck, so we do recommend avoiding this type of bet.

The banker bet

This is one of the simplest yet one of the most effective strategies to win the game. This is also one of the most recommended strategies preferred by most people familiar with the game.

We wholeheartedly agree with experienced baccarat players because everything depends on basic math principles. As we have mentioned before, the banker bet has the highest odds of winning because the theoretical casino mathematical advantage is 1.06%, which means your payout percentage will be 98.94%.

The Martingale strategy

If you follow the expert advice and avoid tie bets, but do not want to bet on the banker, there are other alternatives available. People have been studying baccarat betting strategies for a long time and have come up with some pretty advanced betting systems, which you can incorporate into your baccarat strategy.

One of the most popular systems is the Martingale system, which has been around for centuries. It rose to popularity in the 18th century in France. The core objective of this system is to gradually adjust rates. It can be applied to most casino games, not just baccarat.

How to apply this strategy to baccarat? The system is designed in such a way as to assume that in the long run, the payout will be as close to RTP as possible, therefore at some point, you will win a particular round. With that in mind, Martingale’s strategy suggests that every time you lose a bet, your next bet should be doubled.


Fibonacci Strategy

Next one up is the Fibonacci strategy. This is a completely different wagering system which uses the Fibonacci sequence to determine the next stake following a loss. This sequence is well-known worldwide and the bottom line is that each number is the sum of two previous ones.

You start with 1, and since the previous number is zero, 0+1 equals 1 again. The next one is 2 because the sum of the previous two numbers – 1 and 1 – is 2. The next number is 3, and so on. In the end, the sequence looks something like this: 1-1-2-3-5-8-13-21-34-55, etc.

The core principle of the Fibonacci strategy is as follows: every time you lose a game, you increase your bets in accordance with the Fibonacci sequence. Once you win, the sequence is reset and you start again. The main idea is that the further you go in the sequence, the more money you bet on the game.


Interesting facts

  • Baccarat has a long history rooted back to the 14th century.
  • It is believed the game was invented in Italy, where it remains very popular up to this day.
  • Baccarat emerged in France in the 16th century and quickly rose in popularity with nobles, yet in the US it appeared only in the 19th century.
  • Baccarat is one of the oldest casino games in the world.


  • Baccarat is a card game with two participants – the player and the banker.
  • The cards dealt can range in value from 0 to 9 – the highest wins.
  • There are three most popular baccarat variations: Punto Banco, Chemin de Fer, and Baccarat Banque.
  • Baccarat is normally played with six decks, however in some types of baccarat only two decks are used.
  • The game is fast-paced and straight forward, making it one of the most popular games with casino visitors.
  • Punto Banco is the most popular and most frequently played baccarat variation in online casinos.
  • Chemin de Fer is the original form of baccarat and a popular choice with online casino customers up to this day.
  • Baccarat Banque is a less popular type of baccarat, mostly played in private clubs.


The article comes from a number of reliable and high-quality sources of information. This article uses the following sources of information:

The article complies with the editorial principles of Casino-latvija.com. In case of inaccuracies and uncertainties, please contact the editorial using the following contact form.


Can I play baccarat online?

Yes, pretty much all online casinos offer baccarat games.

Can I win money playing baccarat?

Anyone can win money playing baccarat, however, your chances of winning depend on various factors. For example, your chosen baccarat variation and its volatility, and the strategies you follow to win the game.

Is it safe to play baccarat online?

Yes, of course! However, before you start playing, make sure your chosen online casino is licensed.

Tomass Liepa

Tomass Liepa

🏫 Professional writer 🃏 Likes to play poker 🏆 Always looking to improve skills

Tomass Liepa is a professional writer who has been working in the field for several years. He enjoys sharing his knowledge and tips with readers, helping them to make informed decisions. In his spare time, Tomass likes to read books about business and play poker with friends. He is a keen observer and learner, always looking to improve his skills.

About Tomass Liepa
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