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Baccarat guide

Baccarat (pronounced as BAH-kah-rah, forget the T) is an extremely popular game of luck in land-based and online casinos in the world. Baccarat is considered to be a rather posh game, which is mostly loved by high-rollers and Asian players in particular. Baccarat is also known Punto Banco, which means Player and Banker, the two hands you can bet on in this simple but elegant card game. The word Baccarat is the French spelling for the Italian baccara, which means zero referring to the point values of face cards.

Baccarat has a certain appeal to it since it’s so easy to learn the rules and there is not that much strategy involved in it. With Baccarat the only real strategic decision that you can make is how much you are willing to bet and which hand to choose.

Let’s have a look at Baccarat rules and card values to see how to go about this game to get some edge and increase your chances of winning.


Baccarat Card values

Cards in Baccarat game have the following values:

  • Aces count as 1
  • Tens, Jacks, Queens and Kings count as 0
  • The number cards from 2 to 9 have their nominal face value.

Total hand values can only be from 0 to 9 because since the 10 is always subtracted from any total of more than 9. If the player has 5-8-3, the total will be 6 and not 16. 9+5 becomes 4 and not 14. 20 becomes zero.

The object of the Baccarat

The object of the Baccarat Game is for the winning hand to get as close to 9 as possible.

When the game starts two hands are dealt – one hand for the Banker and one hand for the Player. Not to be confused by these names, you can actually bet on any hand since "Banker" hand, in reality, has nothing to do with the casino, and the "Player" hand has nothing to do with you as a player. You can also decide to bet on a Tie.

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House edge in Baccarat

Baccarat is well-known for being a game of pure luck, but you can at least take some figures into account when making your bets. Betting on Player hand has a house edge of 1.24% while betting on Banker's hand has an edge of 1.06%. There is also a possibility to bet on a tie between Banker and Player, but this means a massive 14.4% house edge. The simplest tip that most experts give on Baccarat is always to bet on Banker since it has the lowest house advantage.

The Natural Win in Baccarat

When the first two cards are dealt, if one hand gets the total points of 8 or 9 for the Player or the Banker this will make a so-called natural win and the game will finish. Bets that have already been placed will be cashed out.

If no one has 8 or 9 then it’s time to determine whether the player will get the third card. The Player will stand on a total of 6 or 7. On any other total from 0 to 5, the Player gets one more card and the totals are counted again.

Where to play Baccarat online

There is hardly any respected online casino that doesn’t offer at least one type of Baccarat and in most casinos you can also find Live Baccarat games with real dealers. At, we only work with the best online casinos that are safe, reliable, trustworthy and have a great choice of casino games and payment providers. Check some of the options below and choose what suits you best.

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Get a bonus to play Baccarat

When you are deciding at which online casino to bet your money on Baccarat table or any other card game or a slot, consider what kind of welcome bonus you can get from that casino. The bigger, the better, obviously! Not all casinos are as generous as the others; that’s why here we have collected a few casino options that will give our UK readers the biggest and juiciest bonuses and some free spins for online slots thrown in there for good measure. Click on the links below, sign up and enjoy your bonuses. You’re welcome!

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