Live Baccarat Online
Baccarat is probably one of the simplest, yet most-classy of all casino card games. James Bond, created by Ian Fleming, is one of the famous characters who played this game in casinos, and Robert Redford portrayed a baccarat player in the film – Indecent Proposal. These fictional, though, and in fact, many other factual baccarat players were all reputed to be very high rollers.
We might mistakenly have the impression that baccarat is a high-rollers game, but this is stretching the truth somewhat. Since the advent of internet gambling, anyone can play, for high or low stakes. In the VIP sections of live casinos, however, it is not unusual to watch millions of dollars’ worth of wagers changing hands.
Historically, baccarat is an Italian name, and the game came first from Italy, through France in the early 1400s. The word baccarat means zero and refers to the fact that all 10s, Jacks, Queens, and Kings have a zero-point value. It took another 500 years to become famous, and a version called Chemin de Ferbecame did so in Europe, while Punto Banco was the game of choice in the UK.
Today, most online casinos offer this game, and they also provide a way to learn to play for free. It’s called practice play and is a wonderful way to get started without breaking the bank while learning. This version of baccarat is from Playtech and is a very high-quality take on the game.
How to Play Baccarat
Because this is such a simple game to play, there are no complicated rules. Only three different bets may be played: betting on the player to win, betting on the banker, or betting on a tie. The aim of the game is to get a point count of nine, or as close to nine as is possible. This is six-deck baccarat game, so six decks of cards are used in the shoe, and a new shoe is used when the existing shoe is empty.
Two cards are dealt alternatively to the player, and then the banker. These are dealt face-up. Aces count as 1-point cards, 2s to 9s are their own values, respectively, and 10s to Kings have a value of zero. If the value of a hand totals a two-digit number, the first digit is ignored, and the second number used as the points value. If a hand adds up to less than the required qualifying amount, then a third card (check out the Third Card Rule) is dealt to either the player or banker or both. For example, if the deal is 6 + 4 = 10, then the hand has a zero-point value, a third card may be dealt to give the hand a value. If a 7 is dealt then the hand is worth 7, if a Q is dealt then the hand is still worth zero.
The player then places a wager where he predicts which hand will win; either on the table in the banker’s arch, or in the player’s space. If the punter thinks that a tie may take place, then he can place a wager in the tie space. Very simply the hand closest to a 9-point value wins.
The Third Card Rule automatically kicks in when the point value of the player’s first two cards is: 0, 1, 2, 3, 4, or 5. In these cases, a third card is drawn. If the hand is a 6 or 7, the hand stands. In the case of the banker; if the player stands, then they draw a third card with a total of 5 or less points in their hand. Various other third card rules also apply, but these are not difficult to understand and are available online.
Wagering and Winnings
This review is on Playtech’s Baccarat, and so other games may feature different wager ranges. In this game, chip sizes range from 1.00, through 5.00, 10.00, 25.00, 100.00, 500.00, and 1000.00. The minimum wager is, therefore, only 1.00, and the maximum is 1000.00 a hand.
If the player has backed a winning player hand, they will pocket even money (1:1) winnings. For a win on the banker’s hand, the same applies; however, a 5% commission is deducted from the winning amount. When both hands are equal, and a bet has been placed in the tie space, then the payout is 9:1, which happen to be very nice odds, but also quite long odds. Any non-tied bets not won are pushed and are returned to the player.
We offer eight deck Live Baccarat with a live dealer and a real Baccarat table, with up to 7 players at the same table.
If you are not familiar with Baccarat, please proceed to the Live Baccarat Rules page.
To play the game:
When you join a Live game table, you are seated automatically. If you want to take a different available seat, wait for the end of the round and then, click the Change Seat button.
If a game round is in progress when you enter the table, please wait for the next one, and then, place your bets.
Click a chip of the desired value to select it. Then click a betting position on the Baccarat table. You can choose between Player, Banker or Tie game bets.
The time for placing the bets is limited. The timer in the upper right corner of the game window shows how many seconds are left until the end of betting time of this game round.
Every click adds a chip of the same value to your bet. Click a different chip to change the bet increase amount.
Shift+clicking on the bet area removes one chip from the bet.
You can place several bets within each round.
Click the Side bets icon on the dashboard, to open the Side bets panel.
Winnings are paid for the winning bets at the end of each game round.
To skip a turn, simply do not place any bets on the table.
You must confirm your bet. This can either be done manually, by clicking Confirm after each bet, or automatically at the end of betting time (Auto confirm bets must be enabled in the Settings). Please note, that when auto confirmation of bets is enabled the Confirm button does not appear.
If the Multiple Bets option is supported, additional bets are accepted after your first bet has been placed and confirmed. Multiple bets are accepted only if the betting round is still open. Please note, that if auto confirmation of bets is disabled, you have to click Confirm after each additional bet.
A side bet is a wager you can make beyond the regular Player, Banker or Tie games bets. You can place side bets without placing any regular game bets.
The rules of the Player Pair / Banker Pair / Either Pair / Perfect Pair / Big / Small side bets are the following:
The Player Pair, Banker Pair and Either Pair side bets win if the first two cards drawn by the dealer form a pair on the respective position.
The Perfect Pair side bet wins if the first two Player or Banker cards form a pair of the same suit, for example a pair of 7 of Diamonds.
The Big side bet wins if the total number of cards dealt between Player and Banker is 5 or 6.
The Small side bet wins if the total number of cards dealt between Player and Banker is 4.
The side bet is not associated with the regular game bets. You can wager a regular game bet on the Player position and a side bet on the Banker Pair, and vice versa.
To minimise the risk of game abuse or cheating, Side Bets may be disabled from time to time.
Egalite Extra Side bets*
Egalite Extra is a type of Baccarat side bet, that allows you to bet that the Player and Banker hands will form a specific Tie with an equal score.
Your bet wins if the hands result in a Tie of the same specific score. If the result of the hand is not a Tie, all Egalite Extra bets are lost.
You can bet on Egalite Extra betting position without placing a main bet.
You can choose to place one or more bets on the specific score Tie hands offered by the Egalite Extra side bets.
* Option is available only if enabled by your service provider.
Egalite Extra Side Bets Payout
150 to 1
215 to 1
220 to 1
200 to 1
120 to 1
110 to 1
45 to 1
45 to 1
80 to 1
80 to 1
Chat – To use the Chat, enter your message into the text field at the bottom of the panel and click Send. Your message will appear along with the others in the Chat panel. Please note, that you cannot use the chat option if your balance is empty.
Mini Games* – Mini games are small versions of existing Casino games that are embedded into the Live games. You can play a mini game while playing a Live game.
Video Feed – If your table supports full window mode, click the video feed or the camera icon on the dashboard to switch from simple to full mode.
Game specific icons are displayed on the video feed. Hover over each icon to view the action tooltip (e.g. Change Camera View* and etc.).
If enabled by your service provider, you have an option to turn HQ (High Quality) mode for the video stream on and off. Click the HQ icon on the video feed to turn the High Quality mode on. The red indicator will turn green. Click HQ again to disable High Quality video streaming and go back to normal quality.
Timer – Displayed in the top right corner.
Stats – The Stats tab shows 3 columns of statistic for each of the 9 betting position. Under Total, the first column shows how much all players at this table bet on each of the positions in the ongoing game, and the second column shows how many times a position has won within the current scoreboard (since the last shoe change). Under Personal you can see the statistics about your own bets for each of the positions in the ongoing game.
R.History* – The R.History tab shows history for two Live Roulette tables that exist on the site. Hover over the results and then click the bar, to switch to the table in question.
Game Limits – Below the Timer is the Limits tab, it shows the minimum and maximum limits for the main game and the six side bets: Player Pair, Banker Pair, Either Pair, Perfect Pair, Big and Small. On some of the tables, you can change the limits, by choosing a different range from the drop-down menu, or from the Lobby. Changes apply starting from the next round.
Tip – In some countries you have the option to give a tip to the dealer. To give a tip, click a chip and then click the Tips panel on the table, same as placing a bet. Click Cancel to close the Tips panel.
Game Dashboard – The dashboard contains the chips and the game specific action buttons. You can hover over an action button to view a tooltip about this item. Dashboard also displays the current server time and the unique ID number of the current game round.
Note: The server time is set to GMT time zone.
Bottom Bar – Displays your current balance and the link to the Cashier. Also, if enabled by the service provider, country specific regulation icons are displayed on the bottom bar.
* Option is available only if enabled by your service provider.
At the bottom of the betting area contains five Baccarat Score cards. Each score card marks the game results, using a different pattern. More specifically, the difference lies in the starting point and the results marked. Hover over a Score card to see the name of the card and a corresponding tooltip.
Signs on the score cards carry the following meanings:
Red circle – The Banker won that round.
Blue circle – The Player won that round.
Green slash – The round ended in a Tie.
Straight score cards
There are following straight Score cards: Bead Road, Big Road, Big Eye Road, Small Road, and Cockroach Road.
In general, the Score cards allow you to see streaks for either the Player or the Banker. Wins of the same side, and ties, are shown in one column. Whenever the other side wins, a new column is started. Ties do not break a column because non-tie bets are returned to the Player in the event of a Tie. Thus, if a Tie occurs, you do not lose any money.
You can use the following buttons to change the score card you are viewing:
Last – View the scores for the previous shoe.
Last-1 – View the scores for the shoe before the last one.
Current – View the scores for the current shoe.
Total – View the scores for all the above-mentioned shoes.
Horizontal arrows – Scroll all visible Score cards horizontally at the same time.
B and P Buttons
B – Briefly shows what the scoreboard will look like if the next result is Banker.
P – Briefly shows what the scoreboard will look like if the next result is Player.
Full score card (Bead Road)
The Bead Road score card is smaller and is located in the middle of the lower part of the screen. It shows you the results of the rounds sequentially. The top left cell is the earliest result, the one below it is the next earliest, and so on. When the bottom cell is reached, the next round is recorded in the top cell of the next column.
The Bead Road score card shows you the outcome of the game round. A red circle with the letter B inside means the Banker won the round. A blue circle with the letter P inside means the Player won the round. A green circle with the letter T inside indicates a tie.
In addition to the markings described above, the Bead Road score card shows you the winning hand’s point total.
A red dot in the bottom right corner of a cell means the Banker had a pair. A blue dot in the top right corner of a cell means the Player had a pair.
Score cards further explained
All the score cards described below are derived from Big Road. The following is an example of a set of results recorded on a Big Road score card. All other score card examples given below are based on this specific one:
Big Eye Road
The arrows illustrate how Big Eye Road is generated from Big Road.
The resulting Big Eye Road looks as follows:
The starting point corresponds to cell B2 on the Big Road score card, which is the second result (hand) after the first change in the game. If B2 is empty, the starting point is A3.
Marking the results
For marking any row but A in any column, including the starting point, the cell on the same row of the previous column is examined.
If that cell contains a result, the cell in Big Eye Road is marked in red.
If that cell is empty, the cell in Big Eye Road is marked in blue. Note that this is the first cell with no corresponding result in the previous column.
All the cells in the same column after the first cell with no corresponding result in the previous column are marked in red in Big Eye Road.
For marking row A in any column, including the starting point, meaning that the game result has changed, two previous columns are compared. If the number of results in these is equal, the cell in Big Eye Road is marked in red. If the number of results is not equal, the first cell in Big Eye Road is marked in blue.
every change in the colors in Big Eye Road starts a new column.
Tie results do not change anything.
The arrows illustrate how Small Road is generated from Big Road.
The resulting Small Road looks as follows:
The starting point corresponds to cell B3 on the Big Road score card, which is the second result (hand) after the second change in the game. If B3 is empty, the starting point is A4.
Marking the results
For marking any row but A in any column, including the starting point, the cell on the same row of the second previous column is examined.
If that cell contains a result, the cell in Small Road is marked in red.
If that cell is empty, the cell in Small Road is marked in blue. Note that this is the first cell with no corresponding result in the previous column.
All the cells in the same column after the first cell with no corresponding result in the previous column are marked in red in Small Road.
For marking row A in any column, including the starting point, meaning that the game result has changed, the previous column and the second column before that are compared. If the number of results in these is equal, the cell in Small Road is marked in red. If the number of results is not equal, the first cell in Small Road is marked in blue.
every change in the colors in Small Road starts a new column.
Tie results do not change anything.
The arrows illustrate how Cockroach Road is generated from Big Road.
The resulting Cockroach Road looks as follows:
The starting point corresponds to cell B4 on the Big Road score card, which is the second result (hand) after the third change in the game. If B4 is empty, the starting point is A5.
Marking the results
For marking any row but A in any column, including the starting point, the cell on the same row of the third previous column is examined.
If that cell contains a result, the cell in Cockroach Road is marked in red.
If that cell is empty, the cell in Cockroach Road is marked in blue. Note that this is the first cell with no corresponding result in the previous column.
All the cells in the same column after the first cell with no corresponding result in the previous column are marked in red in Cockroach Road.
For marking row A in any column, including the starting point, meaning that the game result has changed, the previous column and the third column before that are compared. If the number of results in these is equal, the cell in Cockroach Road is marked in red. If the number of results is not equal, the first cell in Cockroach Road is marked in blue.
every change in the colors in Cockroach Road starts a new column.
Tie results do not change anything.
The lower and upper edges of the game window hold the casino toolbars. These toolbars contain a number of menus and buttons that allow you to change client settings or take advantage of the various features available in the casino client.
The lower edge of the game window holds the casino toolbar. It contains the following:
Your current game balance. This is the money you can use to play the game.
Clicking this button opens the Cashier window, where you can make deposits and withdrawals, see your transaction history, etc.
The top toolbar contains the following:
Sound On/ Off
Clicking this button will disable/enable sound effects.
Mouse over the sound icon to slide open the sound volume slider, where you can adjust the volume.
Mouse over this icon to open the Tools menu. The menu contains the following:
History – Opens the game history window, where you can see the details of recent game rounds. Note that the history is unavailable in Offline mode.
Options – Opens the options dialog, where you can change various gameplay settings. Click here to learn more about the options.
Help – Opens the help article that you are reading right now.
Clicking this button closes the game window and takes you back to the Lobby.
When the Golden Chip icon appears at the bottom bar, you have been awarded the Golden Chip bonus. You can use the Golden Chips in the current game or save them for future games.
Click the Golden Chip icon on the bottom bar to place the Golden Chip on the table as a bet. The Golden Chip is treated like a regular chip. If you have several Golden Chips of different value, you can switch between them by clicking on the desired pile in the Golden Chip menu.
Golden Chips are only accepted as initial bets in the game. Further bets in the game round shall be deducted from your Casino balance.
Random Table button – In the right bottom corner of the Lobby window, the Random Table button is displayed. Click Random Table to receive a table suggestion. If you do not wish to join the suggested table, click Show All Tables to go back.
Quick Seat button – When entering the lobby, the Quick Seat button is displayed on the left side of the various game tables. When clicking this button, you will automatically be seated at an available seat, according to the selected game type. You can start playing at the seat you were assigned to, as soon as the ongoing game round is over.
When a seat is available for you, confirm your decision on the appeared message. If you decline, you will be taken back to the Lobby.
Click to place the same bet as in the previous round.
Click to clear your bets from the table.
Click to confirm the bets that you placed on the table. If you do not confirm your bets, you skip this round. Please note, that if automatic confirmation of bets is enabled, the Confirm button is not displayed.
Return to Player
The theoretical percentage return to player (RTP) in Live Baccarat differs across bet types:
Player Pair / Banker Pair
Eight pre-shuffled decks are used in the game. When a new set of pre-shuffled cards arrives at the table, the cards are placed in the shoe and dealer places a divider into the new set of card. Once the divider is dealt, the dealer announces that the cards will be replaced in the following round. Each time a new set of cards arrives at the table, all previous cards are removed. Additional shuffle is performed at the table before placing the new cards into the shoe.
New shoe card burn*: At the beginning of each new shoe, the dealer draws the first card from the shoe face up and then, a number of cards that corresponds to the value of the first card, is burned (i.e. discarded), face down.
* Only available if enabled by your service provider.
Live video feeds
Due to the nature of the internet, video latency may occur. The game has been designed to ensure that players do not have advantage nor are in disadvantage due to the potential latency.
Note on malfunctions: A malfunction voids all pays and plays.
If you are disconnected from the game due to a connection problem, your bets are recorded and paid out according to the results of the round. You can view the results of the round in the game history.
Live Baccarat Rules
The object of Baccarat is to obtain a hand with a point total closest to 9. Aces count as one; 2 through 9 as their face value; tens and face cards count as zero. If the value of the hand is ten points or more, subtract ten, and the remainder is the Baccarat point value of the hand. For example: 7+6=13=3 and 4+6=10=0
Place your wager on one or more of the following betting positions: the Banker, the Player and/or the Tie. The Player and the Banker are then each dealt a two-card hand in the following order: first card to the Player, second card to the Banker, third card the Player, fourth card to the Banker. In certain cases, a third card is dealt to the Player and/or the Banker (Please see the Third Card Rules section for more information).
The hand closest to 9, wins.
If you bet on the Player and the Player wins, you are paid 1 to 1 winnings on your bet.
If you bet on the Banker and the Banker wins, you are paid 1 to 1 minus 5% bank commission (vigorish).
If both the Player’s hand and the Banker’s hand have equal totals, the game result is a Tie. If you have placed a bet on the Tie field, your payout is 8 to 1. Non-tie bets are returned to you if a Tie occurs.
Third Card Rules
The following Baccarat rule chart governs when the Player and/or the Banker are automatically dealt a third card in the Baccarat game:
|Point Value of First Two Cards:|
|0 – 1 – 2 – 3 – 4 – 5||Draws a card.|
|6 – 7||Stands.|
|8 – 9||“Natural hand”, no further draw.|
If the Player stands, then the Banker hits on a total of 5 or less. If the Player does hit then use the table below to determine if the Banker hits or stands.
|Point Value of First Two Cards:||Draws when the Player’s third card is:||Does not draw when the Player’s third card is:|
|0 – 1 – 2||Always draws a card.|
|3||0 – 1 – 2 – 3 – 4 – 5 – 6 – 7 – 9||8|
|4||2 – 3 – 4 – 5 – 6 – 7||0 – 1 – 8 – 9|
|5||4 – 5 – 6 – 7||0 – 1 – 2 – 3 – 8 – 9|
|6||6 – 7||0 – 1 – 2 – 3 – 4 – 5 – 8 – 9|
|8 – 9||Player cannot draw.||Player cannot draw.|
Important note: If either the Player and /or the Banker has a total of 8 or 9, they both stand. This rule overrides all other rules.
Your No-Nonsense Guide to Playing Real Money Online Baccarat Games
The favourite of James Bond, Baccarat may be a luck-based game, but there’s still things you need to know.
This guide is packed full of tips and advice to get you started, including the best online casinos at which to play.
Baccarat is a card game played between dealer and player, with quite a strict set of rules. There are three variants of baccarat- punto banco, baccarat chemin de fer and baccarat banque. The typical version played by most casinos and online casinos is punto banco, also called ‘North American baccarat’.
Punto banco baccarat is purely a game of chance. There is no skill element involved, as the outcome of each game is decided by the cards as they are revealed. There is a list of rules which the game must follow, a kind of automated program. With each round or ‘coup’, either the player or banker will win, or there will be a tie.
The cards in baccarat have a point value, with the cards 2 to 9 having their usual value, tens, jacks and queen are worth 0 points and aces are worth 1. If double figures are reached by adding cards together, the rightmost value is used, so a 13 becomes a 3. This means the maximum is 9. The term ‘punto’ refers to the player and ‘banco’ the banker, but these designations are not literally controlled by player and dealer, they are just representatives of the rules. With each coup, two cards are dealt to player and banker with the hopes of getting a total of 8 or 9. Should no resolution be found, more cards are dealt according to strict rules.
Baccarat is not quite as common as other online casino games, but the best casinos will host at least one version. These can vary slightly in rules and appearance.
How to Play Baccarat Like an Expert
Stick to these three simple principles and you will be playing baccarat like a pro in no time:
Who has the edge
With standard baccarat, unfortunately there’s little a player can do to moderate victory or failure. The game plays itself out with little input from the player, who can only bet on the banker, player or a tie. In essence, this is a coin toss, though house edge reduces the chances a little.
Banker bet payout
Typically a banker bet pays out 5% less than a player bet to even things out. The player bet is 1 to 1, while the banker is 19 to 20. However, the player bet has a slightly higher house edge than the banker bet.
Avoid the tie bet
The tie bet is usually 8 to 1 and it’s difficult to hit, so most players avoid it unless feeling very lucky.
Win at Baccarat – Our Top Tips
“There’s no player control in punto banco so this game is a coin flip”
“The banker bet has a very small edge over the player bet, but has a commission”
“Avoid the tie bet most of the time”
How to Improve Your Chances of Winning
Improving your chances is difficult with baccarat, since the base punto banco game does not have any player input. However, there are players who swear by using certain betting strategies which help to control how much is being risked. For example, the 1-3-2-4 strategy is recommended, but as with any, there’s no guarantee of success and players must still be willing to risk all money wagered.
The strategy is simple- place the first bet, if it succeeds then place the second. Continue up to the fourth. If a bet fails at any point, start again from the first. The first bet is a single unit, so this might be a bet of £5.
The second bet is three units, so this would be £15. The third is two units, therefore £10. The fourth is four units, which is £20 in this example. The idea is that if the first two bets land, even if the third fails, the player has a profit.
When playing chemin de fer, the generally agreed strategy is to hit on a score of 0 to 4 and stand on a 6 and 7. On a 5, the player can essentially play at random.
Punto banco baccarat follows a set of rules known as the ‘tableau’. The banker and player are each drawn two cards, adding the totals together to get a score, reducing double figures by only using the rightmost digit. If either banker or player has 8 or 9 (a ‘natural’), they win- if they both have it, it’s a tie.
Should neither have 8 or 9, the game follows the rules of the tableau to see what happens next. The player’s rule is checked first, then the banker’s. If the player has an initial total of 0-5, he draws a third card. If the total is 6 or 7, he stands. If the player stands, the banker follows the same rules, drawing on 0-5 and standing on 6-7.
However, if the player drew a third card, the banker has a more complex action:
If Player drew a 2 or 3, Banker draws with 0–4 and stands with 5–7
If Player drew a 4 or 5, Banker draws with 0–5 and stands with 6–7
If Player drew a 6 or 7, Banker draws with 0–6 and stands with 7
If Player drew an 8, Banker draws with 0–2 and stands with 3–7
If Player drew an ace, 9, 10, or face-card, the Banker draws with 0–3 and stands with 4–7
Depending on the casino, in the event of a tie, current bets may remain in place for the next round or they may be reset.
Types of Baccarat
There are several variations on baccarat, both historical and modern.
Super 6 or Punto 2000 is a version where even money is paid on winning banker bets instead of 19 to 20, except when the banker wins with 6, when only 50% of the bet is paid. This has a higher house edge on the banker bet but it’s faster to play.
Chemin de fer is named after the railway because it’s a quicker version of baccarat. A player is designated banker and this changes each round. The banker places a wager and the players have the option to ‘go bank’ and match it, or place their own wagers.
The banker gets two cards as normal but the other two are held in common by the other players. One player is chosen to decide if a third card is drawn, adding an element of choice to the game.
Baccarat Banque is similar to chemin de fer, but the bank stays with one player and the players are dealt cards as two groups, split into two sides, around the chosen banker. Each side wins or loses by the cards dealt to them as a group. Players may choose when to draw a card.
History of Baccarat
Baccarat has a disputed origin, but it seems to have appeared in the 19th century. Some sources believe that it was originally named ‘baccara’ and came to France from Italy, as early as the 15th century, by soldiers returning from the Franco-Italian War.
The term ‘baccara’ means zero and seems to refer to the face cards having 0 value in this game. Some attribute the creation of the game to a man named Felix Falguiere. The original game had four different dealers, each player could be the banker and players could get against each other.
In France, the game became a favourite of King Charles VIII and took off among the aristocracy. Much later in England, the game was popularised by Ian Fleming’s portrayal of it in the James Bond novels. It is believed that punto banco baccarat began in Cuba, catching on as that version of the game spread to mainland America.
Though it never became a common casino game played by the public, it is considered a high-class game played by VIPs, for amazingly high stakes.
Research betting strategies.
Bet on the banker as the player bet has a higher house edge.
In chemin de fer, hit on a 0-4 and stand on a 6 or 7.
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