Play Baccarat for Free or Real Money

Posted: May 17, 2022 Updated: February 27, 2023
Top Baccarat Online Casino Royal JokerBet

Looking for top games of fortune and chance and plan to get some unforgettable excitement – we’ve got what you need! Pro-level gamblers believe that this is one of the top dynamic and exciting pitch-and-toss entertainment, which has incredible potential in terms of winnings at the Baccarat online casinos.

High payouts and a simple range of stakes continue to catch hundreds if not thousands of players from all over Australia.

Today, you will learn about the tips and tricks that professional players have provided. These suggestions will help you play Baccarat online for money, understand this popular game of chance rules and build a solid bankroll step by step.

Where to Play Baccarat for Real Money?

The organization of the gaming process requires a lot of effort from a virtual play of chance sites. Therefore, choose the best gambling platforms for real money with the highest rating only. In this case, one can count on a game library to be powered by world-renowned developers offering the highest quality software.

Below, you will find the best Baccarat casinos from Australia with fair conditions, high payouts, and outstanding deposit bonuses for every newbie.

Wild Fortune Casino Australia Review
Wild Fortune
💸AU$2000 +
175 Free Spins
SpinSamurai Casino Online
Spin Samurai
🎁First Deposit Bonus Up to 1200 AUD
75 Free Spins
Wazamba Casino
💸Welcome 100% Up to $500
+ 200 FS + 1 Bonus Crab
Rolling Slots Online Casino
Rolling Slots
💸Welcome A$2500
200 FS
N1 Bet Online Casino
N1 Bet
🎁600 AUD + 200 FS
Rocket Casino Online
💸100% Welcome Bonus up to €333
50 FreeSpins
Online Gambling With BoaBoa
✨100% Up to $1000
+ 200 FS
LevelUp Online Casino Australia
🎁AU$2000 + 200 FS
Australian Casino 5 Gringos
😎100% Up to AU$1600 + 100 FS + 1 Bonus Crab
Stay Casino Online Australia
Stay Casino
300 Free Spins

How To Play Baccarat

After checking the list of the best gambling houses, it’s time to move on to such a crucial stage as the gameplay. You can skip this section and jump straight to the odds tables if you have played Baccarat before. This information will help you play Baccarat online for real money and understand which bets are the most profitable in terms of odds distribution.

Let’s divide the organization of the gameplay into basic steps:

  • Registration in an online casino
  • Choice of the game version at the best Baccarat casinos.
  • Place your bets and watch the game closely

Now let’s look at the most important Baccarat rules!

Rules for Players

Like any other game, Baccarat has a clear set of rules. The most important thing is to focus on the number of points, depending on the cards dealt.

Here are the main Baccarat online gambling points to keep in mind:

  • No additional tickets are dealt if a user or a banker has 8 or 9. This paragraph of the rules takes precedence over all the others.
  • If the boards in a player’s hand are equal to 5 points or less, the gambler may request an additional or third card. If a user has 6 points or more, then the handling of boards to a gambler is suspended.
  • If a banker has dealt a card with 5 points or less, receiving an additional card is also possible. If the combination is 6 points or more, then a dealer stands.
  • If a user decides to stay with the current combination, a dealer chooses whether to take an additional ticket or not.

It would help to consider these basic rules when betting after the cards are dealt with. Earlier it was mentioned that users are free to bet on a gambler and banker. So, let’s look at the basic rules for dealers.

Rules of Baccarat Online Game

Rules for Bankers

Let’s say you decide to try your hand at live Baccarat. Rules for bankers will help you better understand the logic of a dealer and make timely decisions.

The list of rules for a banker looks like this:

  • When a dealer gets a 7, the conclusion will be pretty obvious – stand.
  • Imagine that a banker player Baccarat has a score of 2 or less after the deal. In such a case, a hit by a banker is the most viable solution.
  • If a dealer has managed to collect a sum equal to 3, the dealer wins. However, this rule only applies if a player’s third card was any number other than 8.
  • A dealer got 4 on the hand. In this situation, the dealer has a winning position only if the additional or third card of a user will be in the range from 2 to 7 points.
  • A dealer also wins if one got a 5 and the user’s extra card was between 4 and 7 points.
  • When a dealer receives a 6, the position is also considered a win against a player whose third card was a 6 or 7.

Even if these rules seem confusing, you can quickly master the online Baccarat game after a few rounds. Therefore, be sure to learn the basics of Baccarat with the demo and then place real money bets.

Betting Options & Odds

Whether you run Baccarat online betting for real money or testing a strategy, you are free to place only three types of bets. One can bet money on a gambler’s win, a tie, or a dealer’s win. In any case, always consider. Each type of bet has its odds that you need to consider before you start to play Baccarat at online casino.

Baccarat RTP looks as follows:

Game Type RTP
♣️ Baccarat Banker’s Hand ✅ 98.95%
♦ Baccarat Banker Pair Bets ✅ 89.64%
♠️ Baccarat Player Pair Bets ✅ 89.64%
♥ Baccarat Perfect Pairs Bets ✅ 91.95%
♣️ Baccarat Either Pairs Bets ✅ 86.29%
♦ Baccarat Player Bonus Bets ✅ 97.35%
♥ Baccarat Banker Bonus Bets ✅ 90.63%

Online Baccarat Types

There is a wide variety of different Baccarat versions. If you are a beginner, there is no need to take heart. Even though each of the versions has its differences, the basic principle of the game remains the same.

You do not have to explore additional betting options or radically change your strategy. A few minutes will be enough to discover the new world of Baccarat games. Here are some of the most popular variations you can try on the best online Baccarat sites.

Standard Online Baccarat

The European version of online entertainment is the most widespread today. This Baccarat type involves the use of a deck of 52 cards. If you remember the above combinations, then everything will go like clockwork.

Keep in mind that some of the main Baccarat online services offer this version on a mini table. In this case, a user does not need to take any additional actions other than taking into account betting options and odds.

Baccarat Types At SpinSamurai Online Casino

Free Baccarat Online

All the best virtual platforms we have collected in today’s review have free Baccarat. Free online Baccarat practice is the first thing every beginner should start with. Prioritize time to play Baccarat online for free, get critical skills, and then run with real money betting. If you plan to test one or more gaming strategies, the demo will come in handy. It’s best to keep a free casino version handy at all times. Live Baccarat online for free is a chance to learn how to bet on real money to entertain yourself at the right moment.

Live Dealer Baccarat

This product is available only at advanced online casinos. As for Baccarat, the live version of the game is not so easy to find. However, live gambling has an indescribable atmosphere of excitement and fascinating gameplay.

The version is no different from a traditional online game. Most often, Baccarat online live casinos have two primary versions, namely:

  1. Mini-bac – this variant indicates that the tickets are dealt face up.
  2. Squeeze – a player with the highest stakes can check the cards after the deal and before the reveal.

The fact that the players have limited information about the cards dealt adds extra excitement and makes the live dealer Baccarat online casino in Australia even more fun.

Mobile Baccarat

Australian online casinos have a wide variety of Baccarat versions. If you prefer to gamble on your smartphone, then make sure that an operator you are interested in offers a mobile version as well.

Play Mobile Baccarat for Real Money

The above providers are verified online casinos, using only the best products from the most famous software providers, including Microgaming. The high-quality of real money Baccarat app guarantees that you will get an unforgettable gaming experience and be able to get on the roll with your favorite game.

How We Choose the Best Online Baccarat Casinos

We are well aware that choosing a gambling platform is of paramount importance for each user. Our team applies the accumulated experience and knowledge to select only the best candidates.

Thorough and unbiased verification of gambling providers consists of many stages. Each of them affects the final decision to include an online casino in the list of the best ones. Below you will find a list of the main factors that help us choose the best Baccarat casinos in Australia.

Security and Safety

When it comes to games for real money, the safety and reliability of the gambling service should always come first.

It is unlikely that you would want to entrust your hard-earned funds to scammers or shady Baccarat sites that cannot provide adequate security for your sensitive or financial data.

This stage also includes checking a license and the validity of a virtual Baccarat online casino. If an operator has a valid license and reports to a regulator on all internal operations, this guarantees transparency and honesty for each user.

Bonuses & Offers

Welcome offers and bonus codes are equally important for beginners and experienced gamblers. Therefore, our team pays attention to the number of offers and their real value for the end-user. The same applies to a VIP program for gamblers who are used to play for fun with high stakes.

Claim First Deposit Bonus At Bizzo Casino

List of Baccarat Online Games

The standard or European version is a great way to have fun and earn a few bucks. What about other versions of this popular game? If you are looking for alternative Baccarat options, then take a look at the list of the most popular online Baccarat games:

  • No Commission Baccarat
  • Baccarat Banque
  • Mini Baccarat
  • Punto Banco, also known as “North American Baccarat”
  • Baccarat chemin de fer
  • Dragon Tiger
  • Baccarat Squeeze
  • Live Dealer Baccarat
  • Speed ​​Baccarat and so on

Each Baccarat game online for money has its peculiarities. In any case, it’s up to you to decide which one suits your preferences.

Mobile Online Casinos

Spinning the reels of a casino machine or playing online Baccarat on the go is a unique opportunity offered by the best mobile casinos. These gaming services are well adapted for smartphones and tablets and optimized for different screen resolutions.

Optimization of gambling entertainment for mobile devices is a vital aspect. Indeed, you want to witness a smooth game and not be distracted by crashes and breakdowns.

Mobile casinos do not always have an iPhone or online Android app for online Baccarat. Still, using the mobile version of a casino has a huge advantage.

You don’t have to download and install additional software. It is enough to indicate the address of an online casino in a mobile browser and call it a day.

Banking & Payouts

The maximum number of payment solutions is the key to catching as many gamblers as possible. For this reason, it is worth choosing online Baccarat using GCash platforms that boast the widest variety of options available: Bitcoin or Ethereum, eWallets like Neosurf or Apple Pay, PayPal, PayID and others. This ensures that depositing and withdrawing winnings will be convenient for a gambler and reduce the time it takes to process transactions.

Customer Support

Quality customer support is one of the crucial indicators of a reliable casino. Players often face various issues, some of which require quick actions. 24/7 support service, live chat, and telephone support indicate that an internet casino is always ready to subvene a player.

TOP-5 Baccarat Online Casinos in Australia

With the advent of online platforms, Australian players no longer need to visit land-based gambling houses. However, far from every online casino is suitable for enjoying Baccarat and playing for real money.

Sometimes finding a reliable game provider takes a tremendous amount of time. We have done all the homework for you and have compiled a list of the top 5 online Baccarat casinos. These providers have the best bonus offers and licenses and are safe.

The top five best online casinos in 2024:

Be sure these online casinos can surprise even the most experienced players with various game libraries and welcome bonus sizes.

Online Baccarat Strategies

Baccarat is one of those games that allows you to apply various strategies to achieve the desired result and avoid unnecessary losses. Over time, you will realize that each method can have individual improvements that come with experience.

If you are a beginner, then the following strategy games will work for your benefit:

  • 1-3-2-4. The whole point of the approach is that a user needs to play Baccarat for real money and increase the bet from round to round. In this way, you will be able to compensate for the losses and quickly build up your bankroll.
  • One-sided. One can bet on a player or a dealer. This approach is about betting on one side. A user needs to bet until the selected side loses three times. Next, you need to wait until your side starts winning again. Now you can resume betting and continue to move towards the intended result.
  • Paroli. This system resembles the “1-3-2-4” approach. However, in this case, you should bet more every time you win.

If you want to expand the array, you can use more complex approaches. The most important thing is to understand what result you strive for and know when to end the game to stay in the black.

This was a far from the complete list of gaming strategies used by players of different levels. Here are a few more fundamental systems used in Baccarat.

Play Baccarat Online for Money

Bet on the Banker

Earlier it was said that each bet has a certain chance of winning. According to the statistics, a bet on a dealer (45.8% chance) has a higher probability of success than a player’s (44.6% chance).

Bet on a banker until the side loses. If you notice a string of wins on a player’s side, it’s best to take a short break and wait for a banker to start winning (at least twice).

Avoid Tie Bets & Ignore Streaks

If we turn to the statistics, it becomes evident that a bet on a draw has the lowest chances – 14.44%. Therefore, it is better to avoid this type of bet and save your money for other options.

Card Values

Each card in Baccarat has its weight. The whole gameplay is based on the fact that the game uses a classic deck of cards, like in other table games. The most important thing is to get as close to 9 as possible.

The meaning of the cards in Baccarat is as follows:

  • Each card on which a number is depicted has precisely the value indicated – 4 is 4, etc.
  • Cards from 10 to the King have zero values and do not add any weight to the hand.
  • The weight of an Ace is 1.

The maximum allowed value of cards for one of the parties is 9. If the number of cards dealt exceeds this value, only the number on the right should be considered.

Play Casino Live Baccarat Online


Scoring in Baccarat looks plain and simple. You need to consider one central aspect. If the sum of points on the hands is a two-digit number, you should only view the number on the right.

Here is a good example:

You have 8 and 9, which adds up to 17. It’s a two-digit number, so you only have to count the 7 (on the right). In other words, you have seven points in your hands.

Short History of Baccarat

The actual origin of the game remains unclear thus far. There is an opinion that Baccarat traces back to the times of the Italian Middle Ages. Later, after the military conflict between France and Italy, this table game witnessed a new round of development in France in the 15th century. Year after year, Baccarat has grown in popularity on the European continent and has even gone far beyond its borders.

Today, the gambling world knows the two most popular Baccarat offline versions, namely Chemin De Fer (popular entertainment for lordly rich people of the medieval period) and Punto Banco (especially popular among lower orders of the medieval period). Gradually, interest in the game increased to such an extent that it migrated to England and America, where the local gaming community relished both versions.

Monday Free Spins Bonus - National Casino

Baccarat Online Gambling Variations

Almost every table game has different variations, especially when it comes to Poker, Blackjack, and Baccarat. The increased interest of the players has given rise to many variants of this notorious game, while each of them has its features.

This allows users to apply their gaming strategies on the best online casino for Baccarat website and makes the gameplay even more exciting. Let’s take a quick look at the 5 most popular Baccarat versions at Australian online casinos.

Punto Banco (American Baccarat)

If you are a fan of the online version of Baccarat, then most likely, you have dealt with Punto Banco. The peculiarity of this version is that you can bet on a tie, gambler, or dealer. There is another essential point. An online casino charges an extra 5% commission if you bet on a dealer. This rule does not apply if the bet is placed on the player.

Chemin de Fer

This is no less common type of game. Its peculiarity lies in the fact that six pre-shuffled decks of cards are used to organize the process. Next, one of the participants acts as a banker, while the other users are players. The role of the internet Baccarat participants changes after each round. The gameplay looks like this:

  1. A dealer places a bet.
  2. Players raise the bar or accept the current stakes.
  3. A major player who bets the most money can check cards.
  4. A dealer and a gambler each receive two tickets face down.
  5. If neither side has an 8 or 9 in hand, a player may take an additional ticket or keep his own.

Please note that if a dealer wins, he takes all the current bets at the table. Moreover, the role of a banker is saved until the next round.

Baccarat en Banque

In this Baccarat version, tickets are dealt among three sides: two players and a dealer. Other players are free to bet on one or two of the players’ hands. However, bets on the dealer’s hand are not allowed even at the top Baccarat online casinos. Remember that the primary goal of any user is to get their hand as close to 9 as possible.

Baccarat Game Online for Money

Super Pan 9

If you are a fan of a dynamic and exciting game, then Super Pan 9 is what you need! The peculiarity of this version is that the deck of cards does not contain tickets with the following numbers 10, 9, 8, and 7. In the meantime, a croupier deals three tickets to each participant, including a dealer. Each side may take one additional card if necessary.

Three Card Baccarat

This is a fascinating mix of the classic Baccarat version and its no less popular counterpart known as “Punto Banco.” It is certain that this Baccarat version owes its origin to the notorious land-based casinos in Macau. The game uses a deck of 52 cards.

All cards except those on which the numbers are depicted have no weight (except for the Ace). An Ace is equal to 1 point. The remaining cards with the image of numbers have their nominal weight. For example, 7 is 7 points, 3 is 3 points, and so on.


1️⃣ How to Win Baccarat At Online Casino?

It's simple to win at Baccarat game! Place bets on a player, a banker, or a dealer, taking into account the chances of winning, and use one of the gaming strategies. This will allow you to build your bankroll more confidently and stay in the black.

2️⃣ What Bet Is the Best?

Statistically, a bet on a banker wins slightly more often than a bet on a player. It is recommended not to consider betting on a 'tie' as it has the slightest chance of success.

3️⃣ Is Live Baccarat Game Rigged?

If you have registered at one of the above casinos, you can be sure that the distribution of the results is random. Licensed casinos always hire only professional and unbiased dealers who value their reputation. It would not be superfluous to check the 'house edge' indicator, which must be indicated on the online casino website.

4️⃣ Do You Need to Pay Taxes on Winnings if You're Australian?

Under Australian law, all gambling winnings must be shown on a tax return and are subject to the appropriate income tax.

5️⃣ What to Choose: Baccarat or Blackjack?

Both games have their advantages and disadvantages. Meanwhile, Baccarat online with friends has incredibly addictive gameplay, the option to apply different game strategies, and significant financial returns if successful.

Serena Ambrose Head Editor
Article by

Serena Ambrose is a young and ambitious head editor at with endless creativity and essential media skills. Thanks to her impressive experience in the gambling world, we can provide our readers with top-notch reviews and articles. She ensures our visitors can learn the latest information about new online casinos, the best Australian pokies, and the most profitable bonuses!