We use cookies for two reasons: to give you the best experience on Casinotop10.net, and to make sure the Casinotop10.net ads you see on other sites are relevant. By continuing, you agree to our use of cookies – find out more here.

Play for real
5 / 5
How about a special offer from Sloto Cash Casino? Get Best Bonus for this game!! Get Bonus No Thanks
Please TURN your phone to enjoy the game
Our expert review
Pablo Jimenez
/ 5
Pablo Jimenez
Reviewed on March 27, 2020

With its French roots and glittering past, this Online Baccarat game is a complete treat to play and I love practising on it before I have a big game.

Best Baccarat Casinos
18+ | Play Responsibly | T&C Apply
18+ | Play Responsibly | T&C Apply

Online Baccarat 2020 - An Extensive Baccarat Guide

Baccarat is renowned for its glitz and glam. In a live casino it’s exclusively shielded off with a not-so-discrete rope from the general public, behind which ladies and gents in long designer gowns and tuxedos exchange ludicrous amounts of money on the Baccarat table as they sip their Dom Pérignon. However online baccarat is remarkably fun for all types of people and budgets, not just for those swimming through rolls of cash. CasinoTop10 has listed the best casinos for you to play online baccarat in the toplist below.

Online Baccarat Rules

This game is ideal for those who don’t like to play games with a thousand rules to remember as there are no complicated side bets and different hand values to memorize, so players of all levels will feel comfortable and able to kick back and enjoy themselves as the rules are fairly simple. As a matter of fact, there is a very limited amount of decision-making at all as what happens during the game is already pre-determined! You just have to have basic numeracy skills and be able to count to nine and know the three bets you can make and you’re set for hours of enjoyment.

Facts about Online Baccarat:

  • Baccarat has simple rules and involves very limited decision-making;
  • The aim of the game is to get as close as possible to nine;
  • Bettors can choose to bet on the player or on the banker to win whilst playing the famous casino game;
  • Online baccarat is a game which is frequented by high rollers.

The Baccarat Table

baccarat online

There are numbers outlined around the edge of the table, indicating the number of players. A regular Baccarat table will have 14 numbers marked 1-15, skipping the unlucky number 13. Above the player number, you will see three boxes marked on the table. The first box closest to the player number is the player bet box, then the banker bet box, then the tie bet box furthest away from you. You choose one of the three boxes to place your betting chips.

18+ | Play Responsibly | T&C Apply
18+ | Play Responsibly | T&C Apply
18+ | Play Responsibly | T&C Apply
18+ | Play Responsibly | T&C Apply

Baccarat Gameplay

Baccarat games have three possible outcomes; the player can win, the banker can win, or there can be a tie between both. As such, when you are devising your strategy, players can bet on any of these three outcomes – including the one where you lose and the banker wins. As with most online casino games, baccarat is a game that relies heavily on chance, but having a strategy does help.

The game generally starts with the dealer giving out a pair of face-up cards for each player and for the banker himself. The values on the cards are tallied, with numbered cards costing their values and 10s and face cards costing zero points. The Ace is the lowest scoring card at a single point and the maximum is 9 points, so any total value above that needs to be subtracted by 10. Taking an example which you can easily notice when you practice this game if your cards are 5 and 7, which have a sum of 12, this needs to be subtracted by 10 and this gives a final outcome of 2.

This is the point where your baccarat strategy comes into play, as you would need to decide your next step. As per the above example, players that have an outcome that is less than 5 should generally keep on drawing cards until they get a number that is closer to 9. Players that end up with a 6 or 7 will have to stand, leaving the side with the highest number as the winner. You can also be lucky when you play online baccarat and have an initial hand that adds up to 8 or 9, as these are considered to be natural wins which lead to a straight-up win.

Baccarat Card Values

The cards are worth their face value except for aces, which are worth one and picture cards, which are worth zero. When you count the value of the cards you have been given, only single digits are possible; after nine comes zero, one, two, etc. In other words, if a player has two and is dealt a 9, his total would be one. If he had six and was dealt an 8, the total would be 4. The easiest way to look at it is that you simply remove the tens place from any two-digit number, so 18=8, 17=7, etc. If you are confused just remember the following:

  • Aces will always count as 1.
  • Numerical cards 2-9 will always equal their face value.
  • Suits (hearts, diamonds, clubs, and spades) are irrelevant when counting card values.
  • All face cards (queen, king, joker) and tens count as 0.

How to Win in Online Baccarat

If the player is dealt an 8 or a 9, he has a natural and wins automatically unless the dealer also has an 8 or 9. If he has any other point total, the dealer may or may not give him a third card depending on the total. There are particular rules for the player and dealer to draw the third card. A player will receive a third card if the total of the 2 first cards is less than or equal to five. This is not the player's decision, it is determined automatically according to the rules of the game. Similarly, the banker's decision to draw himself a third card is pre-determined by a set of rules, which are outlined in detail on the Baccarat Rules page.  Whoever has the higher point total wins the hand.

18+ | Play Responsibly | T&C Apply

Baccarat Betting

Online baccarat is a game where bettors have the option of betting on the player or the banker to win. Bettors can also bet that the player and banker will tie, but this bet offers very poor odds and should be avoided. You place your bets in the relevant betting box on the table before the croupier deals the cards to the players, so you need to make a decision before actually knowing your cards. All in all there are only three bets to make in the game, with no option of adding more bets.
The payouts for these three bets are as follows:

  • Player bets are paid 1-1.
  • Banker bets are paid 1-1, but with a 5% commission to the house.
  • Ties are paid at 8-1 in most casinos, sometimes (but rarely) 9-1.

Online Baccarat Variations – Mini Baccarat

Depending on which online casino you play at, you may notice a Baccarat variation called Mini Baccarat in both live and online casinos. This game has lower minimum bets than regular Baccarat but with the same house edges, making it a popular choice for those with smaller bankrolls. Mini Baccarat follows the same rules as its upscale parent game, with some slight differences:

  • There is only one croupier instead of three in a live casino.
  • The game takes place on a table half the size of the regular Baccarat table. It is semi-circular and has spaces for only 7 players instead of 14.
  • The croupier deals all cards face up.

Baccarat Online Betting Strategies

Using the proper Baccarat strategy is a good way to enjoy this game to the fullest. Knowing what the odds are, what the house edge is on various bets, in addition to knowing various insider tips can help you play the game in order to maximise your final winnings. You can make your betting decisions easier by using the baccarat card counting method or the detailed betting systems.

Online Baccarat Money Management

Learn how best to minimize losses and finish the game with more money in your pocket than you started with. There are also different gambling betting strategies which can be applied to Baccarat, depending on how you prefer to play. Betting strategies are a useful way to manage how you place your bets, but read up on each one first to find out which betting strategy suits your needs and playings style best.

Online Baccarat Money Management Tips

  1. Keep Your Bankroll Separate

    You first and foremost need to keep your baccarat bankroll separate from the money you need to spend on survival basics such as rent, food, water, electricity, clothes, etc. Set aside some money every month which you dedicate solely for playing.

  2. Use a Baccarat Card Counting Method

    In baccarat, the best way to count cards is by starting at a table with a fresh shoe of 6 to 8 decks. You can essentially reduce the house edge and maximize your winnings.

  3. Paroli Betting System

    Paroli is a progressive betting system in which you double your ante when you win a bet, and when you lose a bet you return to your initial bet amount and start again.

  4. 1-3-2-6 Betting System for Baccarat

    This strategy works by betting one unit on your first hand, 3 units on your second hand, then 2 units on the third hand, and 6 units on your fourth hand. The purpose of this strategy is to gain money from shorter winning streaks instead of running after losses.

  5. Parlay Betting Strategy

    The Parlay betting strategy is very easy and comparable to the Parloli strategy - aiming to increase your bets as you go along. The aim of this system is that when you have one a bet, you add the winnings to the amount of your initial bet for the second hand, and if you win the second hand you place the same amount of money of your initial bet plus winnings.

Free Baccarat

Players that want to try out a free online version of baccarat have three different variants of the game to choose from. These include the North American or Punto Banco version, the Chemmy or baccarat Chemin de Fer variant, and finally the a deux tableaux or baccarat banque version. The great news is that you can now test any of these free baccarat game online versions from any HTML5 enabled platform and from any device! Keep on reading below to find out how and where you can now play baccarat for free online.

About CasinoTop10’s Free Baccarat Game

  • Advanced HTML5 software makes this free baccarat game accessible from any device or desktop;
  • Free virtual bankroll that allows you to play for a long time;
  • Test your online free baccarat skills and strategies to prepare for the real money version.

Practice by Playing Free Baccarat Online


Online Baccarat is truly great fun to play at casinos on the net. If you've never played the online casino game before and would like to give it a try without spending money, have a go at it for free by clicking the 'Play Now' Button displayed above.

Playing Online Baccarat on Your PC and Mobile Devices

The great news is that now you can find Mobile Casino apps for both Android and Apple devices, and even play baccarat no download games on the best internet browsers, including Chrome, Firefox, Internet Explorer, Safari, and Opera. This is because the newest online versions of this game make use of HTML5 software that reduces any compatibility issues across different devices, desktop computers, and operating software versions.

As such, players can now play this game from virtually anywhere, and still have the same seamless and unique gaming experience each time. So sit back and enjoy your favourite version of baccarat from the comfort of your living room, office, or anywhere you like!

Baccarat History

The game of Baccarat is one of the oldest casino games still played today. It is an elegant game believed to have been introduced in France as early as the late 15th century. The original game was called Chemin de Fer, and it was a popular game amongst the French nobility due to the very high cost of printing the cards in the very early days of the printing press. It popularized in the 1900s when, during the reign of King Louis Phillip, playing card games for money was made illegal in 1837, shifting the game underground. This move combined with the increase of printing possibilities spread the game throughout all social classes. Despite this fact, Baccarat has been able to retain its aura of royalty to this day.

The game was then taken to the Americas through European immigration, and another variation developed called Punto Banco, famous in the casinos in Mar Del Plata in Argentina which can also still be played today in many casinos. From here, it was taken to the casinos of Las Vegas in the 1950s where it was introduced alongside the more popular games of online blackjack and Craps and became a casino game staple.

Finally, in the 1980s, casinos introduced mini-baccarat. The creation of mini-baccarat was designed to make the game more accessible to the masses. Regular baccarat pits usually have much higher limits than most other casino table games. These roped off areas are typically reserved for high-roller types. If you try to enter a high-stakes baccarat pit in a tank-top and flip-flops, you'll likely be asked to leave and come back dressed in more appropriate attire. This is not the case in mini-baccarat.

Today, online casinos have made baccarat even more accessible, and players can play this game online at leading casinos. Furthermore, online baccarat games are becoming even more accessible by the use of HTML5 software that allows players to play no download games from any desktop or mobile device.

Online Baccarat FAQs

How do you play baccarat online?

Baccarat is a simple game to play. Firstly, you need to place your bets on one of the three outcomes. These are the banker, player or tie. In baccarat, the card values are tallied and the maximum is9 points. Our video above can guide you on how to play baccarat.

Where can I play free online baccarat?

Right here! At the top of this page you can play our exclusive free online baccarat game. This is excellent for beginners to practice. If you wish you play different variants, the best baccarat casinos offer a free demo version of the game before you decide to play for real money.

What baccarat variations are available?

There are many baccarat variations from different software providers. Some popular ones include Mini Baccarat, Punto Banco and Chemin de Fer. If you prefer live dealer games, you can find plenty of exciting live baccarat games too.

What are the odds in baccarat?

Since there are 3 outcomes in baccarat the odds can vary. There is a 45% chance of the player’s hand to win and there is a 46% chance for the player’s hand to lose. There is a very small chance that the hand will tie and it is at about 9.5%. Meanwhile the banker’s odds are at 51%.

Is there any strategy to baccarat?

Baccarat is mostly a game of chance. However, you can still use one of the betting systems to increase your odds of winning your bet. The general rule is to mostly bet on the banker, bet occasionally on the player and never bet on a tie. Despite the attractive payout, the tie bet is hardly ever profitable.

What is the best bet in baccarat?

The best bet in baccarat is the banker bet. By making this bet, you have the highest odds of winning the hand. Additionally, the banker bet has the lowest house edge.

Play Online Baccarat – Choose a Casino from our Toplist

All of the casino sites listed in our casino toplist above and below will offer both free and real-money online casino games including online Baccarat, of course. If you’re ready to rumble, choose an online casino from our toplist and start playing. All you need to do to get started is download the software, open an account at a desktop online casino or Mobile Casino and join the Baccarat casino game of your choice. With an extensive number of platforms and devices to choose from, playing baccarat online games could not have been easier. So test your online skills today and beat the banker to become a winner!