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Baccarat has been a fixture in high-roller areas at brick-and-mortar casinos for decades. The attraction is a low-house edge compared with other games: close to 1% for one bet type. Now, you can enjoy baccarat online or live with our detailed guide.
Betting on baccarat is simple. On each hand, you’ll decide whether to back “player,” “banker” or “tie.” There are complex rules for how the two hands are dealt; though, when you play the game, the croupier handles this side of things. There are variations of baccarat which simplify the rules. The best known is called Punto Banco.
Online baccarat is available either against software or via live dealer casino rooms. However, you’ll need to be in a state that offers legal real money casinos to take advantage.
Our baccarat guide provides you with everything you need to understand the bets and rules. We look at how to play baccarat online, as well as the strategy for placing those all-important bets.
How to play online baccarat legally in the US?
Regulation for online gambling is expanding at a rapid pace. Many states have started with legal sportsbooks, and a handful of states offer or are in the processing of offering online casinos. Presently, these states are New Jersey, Pennsylvania, Michigan and West Virginia.
If you are in a legal state, you’ll be able to enjoy online baccarat and Punto Banco.
First, there are computer software versions. Xtra reward slot machine. These are fast, easy to play and start at surprisingly small stakes (or even for play-money while you learn the game).
At some online casino sites, you can find table games at live dealer studios. Casinos stream these games in real-time from their brick-and-mortar casinos. You can find live dealer casinos at the bigger online casinos, including Golden Nugget and 888 Casino, in regulated states.
Details of the online casino laws vary by state. Generally, you’ll need to be at least 21 years or older to play. There is no need to be a permanent resident of the legal gaming state, though you will need to be inside state lines where the casino is licensed to play.
Casino apps include the geolocation technology to verify that you are inside the state borders.
How online baccarat works
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We describe a typical baccarat game in which a dealer handles the cards, with one or more players betting on the outcome. However, there are variations where the dealer position rotates around the table.
Before a hand is dealt, each player will place bets on one or more of the three outcomes. The choices are player, banker or tie. You can choose to bet on any of these outcomes (as a player, you are not forced to bet on the “player” option).
Here are the odds of winning based on those bets:
- Player: 1.24%
- Banker: 1.06%
- Tie: 14.36%
Note that the “tie” option has terrible odds compared with either the player or the banker bets. More on that in the side bets section below.
The dealer deals hands to both the player and banker. There are complex rules for whether more cards are added to each hand. You don’t need to memorize these to enjoy the game.
Baccarat drawing rules
The winning hand out of the player and banker is the one closest to (or at) 9 points.
Each hand is dealt two cards with the following rules:
- Non-picture cards are worth their point value.
- Tens through kings (all the picture cards) are worth zero.
- Aces are worth one.
If a hand goes over 10, then 10 points are removed.
For example, two 7s = 14, take the 10, and you have a score of 4.
- If either hand shows 8 or9 (also known as a “natural“), the hand ends and no extra cards are dealt.
Any time there is no “natural” (8 or 9) on the two-card deal, then the following chart is examined, with more cards being dealt under the following criteria:
- The player stands on 6 or 7 and draws a third card with a score of zero to 5.
- If the player stood with a 6 or 7, then the banker draws a card with zero to 5 and stands with a 6 or 7.
Banker rules on 3rd card
When the player draws a third card, the rules for the banker become more complex:
- If the player total is zero, 1 or 2, then the banker will always draw a third card; otherwise, the rules depend on the banker’s current total.
- Banker Shows 3: Draws a third card unless the player’s third card was an 8.
- Banker Shows 4: Draws a third card when the player drew 2 through 7 as a third card.
- Banker Shows 5: Draws a third card when the player drew 4 through 7 as a third card.
- Banker Shows 6: Draws a third card when the player drew 6 or 7 only.
- Banker Shows 7: Always stands.
You don’t need to remember these rules to enjoy the game.
From a player’s perspective, you can enjoy online baccarat by merely deciding whether to bet on the player, banker or tie squares.
How to reduce the house edge in Baccarat
Baccarat is a favorite among high rollers because of the lower house edge. There are variations in payouts and details of the rules which make a difference.
The golden rule for baccarat is to avoid the tie bet. This does have a bigger return than either the banker or the player bet but comes with a horrific house edge. The tie bet can be more than 20% in some games and, typically, more than 14% (it depends on the return in each game).
If you contrast this with the player and banker bets, you’ll see how big the difference is. These wagers have a house edge of around 1%.
The standard rules give the following:
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- Player: 1.24%
- Banker: 1.06%
Table minimums are often bigger for baccarat than other games. When you see the low house edge, you’ll understand why this needs to be the case.
Casinos balance the lower edge (and easy gameplay where the players can’t make strategy mistakes) with the cost of running the table. Some casinos will have side bets on the hands being pairs or pairs of the same suit. These do add an element of excitement and interest to the game.
These wagers also have a prohibitively large house edge, often upwards of 10%.
Different variations of baccarat
Some baccarat variations are more complex than the original game, involving strategy decisions by players who affect the outcome of hands.
Others are simplified, turning them into an entertaining and simple casino game.
Here are the main variations:
- Punto Banco: This is also known as American baccarat, though it is the single most popular variation around the world. In this format, the casino is the “house” (not each player in turn). This variation is played with a shoe of between six and eight decks.
- Mini Baccarat: This game is designed to work with a single casino dealer who performs all the handling of cards. The drawing rules are slightly different from the main game.
- Super 6 Baccarat: This is also known as Punto 2000. Banker bets are paid at 1-to-1 on all scores except 6, which is paid at 50%. It increases the house edge to 1.46% on banker bets.
- EZ Baccarat: This casino variation includes Dragon 7’and Panda 8 side bets. The banker will win on a total of 7 after the third card is drawn.
- Chemin De Fer: This is a multiplayer form of baccarat, where each player acts as the dealer in turn. This player acts as the banker, making decisions on whether to draw additional cards. All players share a single player hand in this format.
Live dealer baccarat games
Live dealer casino studios take advantage of better network speeds available these days.
You can bet on the outcome of a hand of baccarat dealt in real-time from a studio. These are available in those states with regulated online casinos. The studios are often inside the casinos, where experienced dealers can handle the cards.
To bet, you only need a funded account. You’ll drag and drop wagers using an overlay on the felt. With the dealing rules set, you won’t need to wait for others to make decisions (as you do in internet blackjack) or for the hand to play out to cover players who have bet when you have folded (as you do with live dealer casino poker games).
If the table minimums at live dealer online casinos are too big for your bankroll, you can always choose a software-based game instead.
These have the advantage that you will not miss a hand should you get distracted or disconnected, as well as those lower table minimums.
Baccarat history
There are different variations of the history of baccarat. Some historians suggest that the origins of the game go back to the 15th century when France and Italy were at war.
France has a history of inventing gambling games, with roulette appearing there in the 17th century, and poker having a predecessor game in the region, too. The original French name for this game is Chemin de Fer.
Punto Banco was the version that hit the new world. This was the house-banked game, rather than the player-versus-player variation, which started in Europe.
It first appeared in Las Vegas at the Sands Casino in the 1950s. This game has made appearances in James Bond movies. More recently, it moved online, where you can now enjoy it with a live dealer or as a software-based game.
Baccarat and US casino bonuses
Online casinos in legal jurisdictions offer a lot of various bonuses and promotions to attract and retain players. While you can certainly take advantage of them, baccarat is not the best game for bonus clearing.
The super-low house edge means that most casinos will either exclude it or give it a very low “weighting” for the purposes of clearing bonuses.
With no-deposit free play, matched welcome bonuses and other promotions, your best bet is often to take advantage of them using slots, then enjoy baccarat games with the money you win.
Final thoughts on playing baccarat for free or real money
While not in the same league as blackjack or roulette in terms of popularity, baccarat does have its fans.
You’ll find this game in the high-limit area of many casinos, as well as (in simple “mini bacc” form) on the casino floor.
The outcomes are a win for a fictional player or a banker or sometimes a tie. You can bet on whichever outcome you like. The house edge is low on either bet, though slightly lower for banker bets.
Tie bets have a huge house edge; experienced players avoid these. Some variations of the game also have side bets.
Contrasting with the simple outcomes, the rules for dealing are complex.
Unless a “natural” (8 or 9) is dealt, a table of rules that depend on what cards are showing is referenced.
Make sure you check out the new live dealer casino baccarat in states that regulate online gambling. It adds a social element — with a real dealer handling the cards — and lets you bet online.
Live Baccarat Online
Baccarat Live is an online version of Baccarat where you can play with a live dealer connected via live streaming utilizing webcam facilities. It offers an environment similar to that in a real casino. When playing live Baccarat, you feel the atmosphere of a real casino and enjoy a realistic and engaging gaming experience.
There are many tables with croupiers of both sexes. You can enjoy all the stages of the game live. You are able to see the mixing and distribution of cards, statistics of the last hands and even interact with other players. All that while sitting comfortably in front of your computer or mobile device, 24/7.
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Basic Rules of Baccarat
The aim of this game is to have 2 or 3 cards whose value is closest to nine. All cards retain their value, the aces are worth one, and 10, J, Q, K are worth zero. Only the last digit of the total sum is counted as the score when it exceeds ten.
You can bet on the player, the dealer or on a tie. Immediately after bets are placed, two cards are dealt to each player. If one of the two hands is a 9 or an 8, it's considered a “natural” and that hand wins. If not, you can opt for a third card.
Basic Strategy of Baccarat
In Baccarat and Punto Banco Live, as you know if you're familiar with the rules, the only real choices are to bet on the bank, the player or the draw. For the rest, the game is decided by luck. Betting on the dealer, however, has slightly better odds than the other two options.
Consider, however, that even if you apply your strategy, the casino applies a 5% commission. There are no particular strategies or tricks for winning Baccarat and Punto Banco live except to be inspired by James Bond and avoid the secondary bets. Inca gold slot machine. In fact, even though these may seem convenient, they increase the advantage of the house.
History of Baccarat
The origins of Baccarat are not at all clear. One thing is for certain though- it's one of the oldest card games. Some believe it was invented by an Italian usurer as a means for a new source of income. The original name, “Baccara”, was an Italian word that, at the time, meant zero.
Baccarat can boast the enviable record of having been able to keep players' interest high over a really long period of time. It spread among the aristocrats in France in the 1400s. It arrived much later in America, with the first casino showcasing the game being Las Vegas’ Sands, in 1959.
Play Baccarat in Canada
In Canada, many players ignore the basic rules of the baccarat game, as they are more familiar with games such as Blackjack and Poker. Recently several casinos opened up to this game. It is better to look for the best casino where to start through practicing with the demo versions offered.
Among the best casinos in Canada, there is LeoVegas, which offers as high as $1000 of bonuses and more than 200 spin bonuses in its high-quality slots. Another very popular casino in Canada is RoyalVegas, which offers $1200 worth of bonuses, plus 120 free spin bonuses to use in its 500+ online games with progressive jackpots.
All you need to know about online baccarat!
Should you Always Bet on the Banker?Statistical odds posit that the Banker has a 45.85% chance to win each round of Baccarat. Players have been mathematically proven to have a 44.62% chance of winning. The difference is enough to merit players a higher advantage if they wager on the Banker.
Does Card Counting Work in Live Baccarat?Baccarat is very similar in gameplay to Blackjack. As Card counting is a very effective strategy for Blackjack it has the same basic effect in Baccarat. If a player keeps track of certain cards they can gain a significant influence on the outcome of a round.
What are the best bets in Live Dealer Baccarat?It is recommended to utilize the banker bet the most when playing live Baccarat. This is due to the fact that 8-deck games carry a 1.06% house edge for the banker Player bets run a 1.24% house edge, and ties fall in at 14.35% house edge.
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The Baccarat Commission is a 5% tax charged for winning banker bets. It is designed to balance out the beneficial odds that banker bets provide. Despite this extra charge, the odds for banker bets are still the best bets to make
How Many Decks are Used in an Online Live Baccarat Game?Live dealer Baccarat games consist of eight 52-card decks. This is the standard set up for live Baccarat games. Some various forms of Baccarat consist of a different set-up. These variations usually have a title that describes the difference in play.
How Do I Bet at a Live Baccarat Table?Baccarat is very simple to learn. It revolves around anticipation. Players have to decide who the winner of the round will be. There are three options to choose from the banker, the player, or a tie.
What's the Minimum Bet at a Live Baccarat Table?The minimum bet for live Baccarat tables is usually $1. VIP tables are a bit pricey. The standard minimum bet for a VIP table is around $5 to $10.
What are the Advantages of Playing Baccarat Online?Live Baccarat online has many advantages. Players can access it instantly at any time of day. Most online gaming sites carry more than one version. The play can be set at individual player levels. Online play also is subject to special incentives and bonuses.
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How Can I Play Baccarat Online?In order to play Baccarat online players require two things. They have to be a member of a virtual casino, and they have to pay the minimum deposit for the said casino. The amount for a minimum deposit it affected by the specific site and the method of payment players use.
Why is Baccarat Popular in China?Baccarat was first introduced to China in 1930. It was one of many classic casino games to be featured in Macau casinos when Chinese gambling establishments first opened. Baccarat quickly rose to popularity due to its fast pace and reduced house advantage. It also benefits from Chinese superstitions. In Chinese culture, the number eight is synonymous with wealth and prosperity.
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How Do I Win at Live Baccarat?Baccarat is won by correctly predicting which hand will win the round. A round is won by having the hand that is closer to 9. If both hands yield the same result it is a tie. A player will stake a guess at where the winning hand will be. They win when their guess turns out to be correct.
Is Playing Live Baccarat Safe?Baccarat is only dangerous if playing at an irreputable online site. Many gambling sites are very fraudulent. Luckily, a simple internet search can effectively separate the wheat from the chaff. Reliable sites utilize fair play standards that ensure players receive an honest game. As long as players do their due-diligence beforehand there is no danger to a lively game of Baccarat.
What is the Difference Between Live Baccarat and Baccarat Played in an Actual Casino?There are no significant differences between online Baccarat and its physical counterpart as far as gameplay goes. The rules are the same as is the action. Online Baccarat has more advantages available than land-based play. It is accessible at any time, can be played virtually anywhere, and offers tons of statistical data. Players can analyze this data to find beneficial patterns of play. Additionally, the minimum bets for online games tend to be smaller than the ones required at brick-and-mortar establishments.
What's the Difference Between Live Baccarat and Ring Baccarat?Ring Baccarat, or random number Baccarat, is a fully computer-generated game. Everything stems from animation. Live dealer Baccarat actually utilizes a real-life dealer to host the game. The cards, surrounding studio, and gameplay are all physical. The only digital aspect is the player. The games are streamed to player devices via closed-circuit cameras. The games are played in real-time, with players participating through chat prompts. RNG Baccarat is a solo-experience and runs mechanically. Many live dealer tables offer solo-play as well, but players can also join group games and play against other people.
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Baccarat was created in Italy where it was known as Punto Banco. It is a card comparing game much like Blackjack. The dealer faces off against a player with each vying to get the closest to nine. The player bets by wagering on who will win the hand. Baccarat tends to have a favorable percentage lean for players. When playing Baccarat one has the highest chance to actually win.