Win at Baccarat at the Top 10 Real Money Baccarat Online Casinos 2020

Shmulik A. - July 28, 2020

Discover he best real money baccarat games and the best winning baccarat strategies around? Check out our guide for the best 2020 baccarat online casinos.

Baccarat's one of the oldest casino games in the world, enjoyed by players since the 1400s.

Today it's one of the world's most popular card games amongst players, including those who enjoy online gambling. The main variations of the baccarat game are Baccarat Banque, Baccarat Chemin de Fer and Punto Banco. 

Nowadays, you can play real money baccarat with a live dealer at an online casino too. Let's take a look at how you can get started playing baccarat online as well as some tips to help you win. 

How to Play Baccarat

Baccarat is an easy game where the dealer does most of the work. There are only three possibilities in baccarat - either the banker wins, the player wins, or there's a tie. 

In this game, players bet either on one of these three outcomes. The aim of the game is to get a total card value as close to nine as possible. You tally all the cards from two to nine at face value. A ten, jack, queen and king are worth zero and an ace equals one.

If the total of the cards equals more than nine, you add the two together and drop the first digit to get your total i.e if the total is 15, you'll end up with a hand valued at 5. 

The dealer deals each player and the banker two cards, face up. 

If you've bet on the player and they have the total closest to nine, you win and get double the amount you wagered. If you bet on the banker's hand and it wins, you get 95 percent of what you bet. A tie pays out at a rate of eight to one.

There are only a few additional rules to remember such as:

  • Both the player and banker stand when either one gets a hand valued at eight or nine
  • When the player’s total is less than five or equals five, the player can choose to either stand or receive another card
  • If the player decides to stand, the banker hits on a total of 5 or less

Due to its simplicity, baccarat's a great game for beginners to play both at a land-based casino or online. Mini baccarat suits players who don't want to wager a lot while playing this game.

The rules for baccarat are the same when you play online. 

With online casinos, you'll get to take advantage of excellent extra bonuses and special offers though. 

How to Win in Baccarat

While baccarat's largely a luck-based game of pure chance there are a few common-sense baccarat strategies that increase your chances of winning. 

The one-sided baccarat technique means you place your bets on one side of the table only i.e they choose only the banker or player every time. Logic dictates that each side has an equal chance of winning, so the worst-case scenario is breaking even. This strategy relies on quitting while you're ahead.

If this is too boring for you, you can try the trend switch combat strategy. Basically, this technique means backing the banker until you lose twice in a row and then switching to the player until you lose twice in a row.

The last strategy involves watching any trends that form on the day. For example, if you notice a pattern forming with regard to banker and player wins - go with the flow.  

Game Variations in Baccarat

 The rules of baccarat vary slightly depending on which type of game you play. The odds are also better or worse depending on your choice of game. 

There are four main types of baccarat (and variations therof) available to play at online casinos, as follows:

Punto Banco

This is the most popular type of baccarat and enjoyed by millions of players worldwide. That's because you don't need any specialized skills to play Punto Banco. 

In Punto Banco, if neither the player nor banker gets a hand valued at eight or nine, they receive a third card. The player gets their card first and if they don't win, the banker draws a card. Punto Banco's played with four, six, or eight decks.

You can bet as follows when you play Punto Banco:

Player Bet (Punto)

When you place this bet, you're predicting that the player will end up with the highest hand value. This bet pays out at odds of one to one. The house edge on this type of bet is usually around 1.36%.

Banker Bet (Banko)

With this bet, you're putting your money on the banker reaching the highest hand value. This bet pays out at odds of 19 to 20 with a 5% commission. The house edge on this bet is approximately 1.06%.

Tie Bet (Standoff)

This bet counts on a the banker and the player ending up with equal hand values at the end of the hand. Payout odds can vary depending on the casino. Depending on the odds, the house edge for this game is between 4% and 14%.

Chemin de Fer

Chemin de Fer features six decks of cards and the players bet against each other in this game.

To start, the players each place a bet on the table and the one who wagers the highest amount becomes the banker. Starting from the left, each player then bets an amount either equal to or lower than the banker's original amount.

Whoever bets the highest amount receives the cards and the game proceeds as usual, except one of the players assumes the role of banker each round. The odds on bets during a game of Chemin de Fer are the same as those for Punto Banco, minus any commission charged by the casino.

While Chemin de Fer is still popular in France, it's rarely available outside this country. 

Baccarat Banque

Baccarat Banque is similar to Chemin de Fer except it's played with only three decks of cards. In this type of baccarat, the player who starts out as banker remains in that role until the end of the shoe, or until they run out of funds. 

After that, a new banker is selected by wagering against each other again. During this game, the banker plays against several players, up to the maximum amount they're prepared to pay out.  

When all the hands are dealt, the cards are turned over and the highest hand wins. The odds are 1:1 for both the player and banker, minus the casino's commission. 

There's no tie bet in this type of baccarat. In the event of a tie, the funds stay on the table and are paid out to the next winner.

Mini Baccarat

Mini baccarat is identical to Punto Banco with fewer players. There are eight decks of cards in mini-baccarat. The odds on a tie bet are eight to one. The house take a five percent commission if you win on a banker bet.

When a player draws cards totaling below five, they must draw. If their cards add up to six, seven, eight, or nine, they must stand. The result is decided after one additional card's dealt. 

The rules are slightly different for the banker. If the player stands on a six or seven, the banker must draw if their total is five or less. They always stand on totals between six and nine.  

When the player stands on 6 or 7, the banker will always draw on totals of 0-1-2-3-4 and 5 and stand on 6-7-8 and 9.

Are you ready to get started, or do you have some more questions? Keep reading for more information about baccarat and online gaming.  

Baccarat FAQs

There's a good chance you have some questions about baccarat even if you're a seasoned player. These are some of the things that people like you are asking about online gaming and baccarat.

What Casino Game Has the Best Odds?

Baccarat has the lowest house edge of all casino games. That means players have the best chance of winning at this game i.e for every dollar you bet, you could win 1.06% back each time. 

That makes it one of the most popular high stakes games whether you're playing online or at a land-based casino. 

Can You Earn Money Playing Baccarat Online?

Most casino games boast an element of both skill and chance, so there's always the possibility of winning money. If players didn't win money, they'd stop participating in online gaming.

Thanks to the favorable odds and high degree of luck involved in baccarat, you can win a great deal of money playing online baccarat. 

Have Online Baccarat Casinos Become More Trustworthy?

Most online casinos hold licenses with reputable gambling agencies and must abide by strict regulations to retain these licenses. In a world that's filled with online reviews, any disreputable organization gets a bad name quickly.

If online casinos want to stay in business they must behave in a transparent and trustworthy manner. 

Which Online Casino Games Do Players Prefer to Play?

Most people play the games that they enjoy most. For some, it's all about the winnings. Statistics tell us that most people play blackjack, roulette, casino poker, baccarat and craps.

What's the Difference Between an Online and Live Casino?

The major difference between online and live casino games is privacy. Nobody has to know that you're indulging at the baccarat table when you're playing in your personal online domain.

There are no crowds and noise either, so you can focus on your gameplay without distractions. 

Online casinos also offer a wealth of free plays and bonuses unmatched by brick and mortar casinos. 

Many online baccarat casinos offer very realistic gameplay and winnings just like real-life casinos. There are also live dealer games available where you play against an actual dealer and not a computer-generated card randomizer. 

In most cases, playing baccarat online is every bit as exciting as the real thing too. While stories of players manipulating live casino games are common, it's impossible to cheat at online gaming.

Are Online Casino Baccarat Games Rigged?

Online casinos buy their software from established developers. The games have a pre-programmed randomizer built into them.

It's not possible for casino owners to rig their baccarat games.

Which Is the Most Profitable Casino Game?

Any game that you're good at can earn you big profits. However, based on the casino edge statistics, baccarat's the most profitable game. This is especially true if you make high stakes bets. 

Which Game Is Better, Poker, or Baccarat?

No casino game is better than any other. However, baccarat has a few advantages over the rest. For instance, it gives you a better chance of winning. It's also an easy game for newbie gamblers.   

The Best Online Baccarat Casinos

Now that you know almost everything there is to know about baccarat, it's time to test your new-found knowledge.

Check out these high-quality gambling sites where you can play baccarat online and win!

22BET Casino

22BET Casino

This extensive online casino offers a huge collection of games from some of the best developers out there. Some of these industry leaders include: 1x2Gaming, NetEnt, Betsoft and Microgaming.

You can enjoy 27 different varieties of baccarat at this excellent online casino. You can choose from straightforward games as well as those options like roadmaps, live chat, side bets and a squeeze option. Of course, there’s the option for live dealer baccarat too if you prefer.

22Bet Casino offers a wide range of betting options starting at just 12 cents for 1×2 Gaming’s Baccarat game. High rollers will enjoy Rival’s Baccarat and Tiger’s Punto Banco with maximum bets of $5,000. 

This casino has an excellent reputation is rated 5 stars across the board in every aspect. 


1xSlots Casino

1xSlots Casino

This casino’s been around since 2017 and holds a Curacao license. It boasts games from top developers like: Quickspin, BetSoft, Microgaming and NetEnt.

You can choose from baccarat game variations displayed in a neat and easy-to-use grid formation. Live online baccarat’s offered by leading providers like HoGaming, GamePlay, Pragmatic Play and more.

All the games work on mobile and tablet as well as desktop computers.

You can contact customer support via email and they respond with 24 hours or alternatively use the Live Chat option for an instant response


Vulkan Vegas Casino

Vulkan Vegas Casino

Vulkan Vagas is best known for its large variety of games and software from Novomatic. You can play for free or for real money at this casino and they offer live dealer baccarat games too. 

Invicta Networks owns this gaming site and it holds a Curacao license.



888 Casino

888 Casino

Voted as "Best Online Casino" for four years in a row, 888Casino features titles from leading developers like Amaya, NetEnt, Playtech and IGT.

They offer good bonuses and you can play on their app using your phone or tablet too. This casino has over 80 live games including baccarat. At this casino, you can choose from 5 bets i.e. player hand, banker's hand, tie hand, banker pair or player pair.


FastPay Casino

FastPay Casino

FastPay Casino features games from all the world's best developers like Pragmatic Play, Playtech, Microgaming, EGT and BetSoft among others.  

Baccarat games include Live Baccarat Squeeze as well as conventional American baccarat. You can play all their desktop games on your tablet or mobile 


Casino Room

Casino Room

Casino Room places a high focus on slots but you'll find plenty of ways to get your baccarat fix on this site, including live games. Software providers on this platform include NetEnt, Microgaming, Yggdrasil, PlaynGo and Quickspin. While their site's a little outdated, it's easy to navigate and they offer always-on customer service.


777 Casino

777 Casino

This online platform only has instant-play games with no download option for devices.

IGT, Random Logic, NetEnt, NextGen and Playtech are the main developers for this site with only two baccarat options available. That said you'll have the option for turbo mode as well as several different baccarat table styles to choose from.




BitCasino's distinguished by accepting cryptocurrency for gambling. With over 2,000 games available by big names like Ezugi, Betsoft, Microgaming, Pragmatic Play, Quickspin and Evolution Gaming you'll find plenty to choose from at this online casino.

Among the selection of table games, you'll find the popular Baccarat, Lightning Baccarat and Speed Baccarat games.


Sun Palace Casino

Sun Palace Casino

Sun Palace Casino's been around since 2002, so you can count on years of online gaming expertise when you play baccarat at this casino. Real-Time Gaming, or RTG, is the only software provider for this casino.

Your options include conventional baccarat and live dealer baccarat. 

Some of the best things about this casino include mobile compatibility, 24/7 customer support, free deposits and quick withdrawals.


BetWinner Casino

BetWinner Casino

You can access BetWinner Casino in dozens of languages which is a huge bonus for those who aren't American gamblers. NetEnt, Pragmatic Play, Evolution and HoGaming are some of the main developers on this site.

The casino offers live baccarat played with eight decks. 


Get your Game on With the Best Online Baccarat

Whether you prefer a live dealer or conventional online casino baccarat, you're assured of hours of fun and the chance to win when you play at our recommended casinos.

Keep browsing our site for the chance to win big with real money baccarat, or find out more about the world's most popular online games and sites. 


888 casino

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