Online Baccarat Casinos

In this comprehensive guide, I will teach you how to play baccarat online with real money and help you find the right places to play. Whether you are a beginner or an experienced gambler, you’ll find all the answers you are looking for. You’ll discover baccarat casinos with enticing welcome bonuses and promotions for online baccarat and live dealer baccarat. Let’s get started right away!

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The Best Online Baccarat Casinos in 2023



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Table of contents

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Players Club VIP Casino

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How to Choose the Best Baccarat Casinos

Casino Hipster always performs a fair and honest evaluation of every online casino you’ll see here. A detailed and careful analysis makes it possible to only focus on the best baccarat casino sites that take real money gaming seriously. I must make sure that the casino is safe, reliable and suitable for players. Check the steps described below to learn how yours truly separates good casinos from bad ones.

Safety and Regulation1

You want to join licensed and regulated casinos to be sure you are in safe hands all the time. There’s nothing to worry about if the casino holds a licence issued by top regulators like the UK Gambling Commission and the Malta Gaming Authority. Secure casinos use HTTPS and SSL encryption to make it impossible for others to access your information.

High-Quality Games2

A casino with a strong reputation in the industry also offers high-quality games. I am talking about different variants of baccarat and other casino games you might want to play. The games must come from respected game developers. And the game library should be updated regularly for those who want to try out the new titles.

Bonuses that Worth Your Time3

Another crucial factor to consider is the availability of baccarat bonuses and promotions. A good bonus always boosts your funds in a meaningful way without shackling you down with unreasonable wagering requirements. And the qualifying deposits for activating them should also be suitable for your budget.

Payment Methods4

Besides this, a good casino will provide a variety of safe and secure payment methods. You should be able to make deposits and withdrawals using your preferred payment options regardless of where you live. And preferably, no transaction fees! No one likes to pay fees that cut down on their margins.

Customer Support5

If you run into problems or have any questions, the casino must have a trained customer support team to assist you. And having a professional support team is often not enough on its own. The casino should have the infrastructure to support live chat as it's kind of a must-have nowadays. And 24/7 customer support, of course!

Verify and Approve the Casino6

The last step of the baccarat casino selection process entails verifying and approving the casino. After a thorough assessment procedure, some casinos simply don’t qualify to be on my list of the top casinos. You won’t find such casinos here because I only recommend the best of the best. Be sure to read casino reviews to know what to expect from a casino site before you decide to register. If you are satisfied with the gaming environment, baccarat games and bonuses, then you can go ahead and sign up.

New Baccarat Casinos

It can be refreshing to try something new when playing baccarat online. The ever-growing online casino industry produces new baccarat casinos every day. Thus, there’s always something new at the casino tables. I keep my eyes on the latest casinos offering a new gaming experience to players all the time. That’s how I manage to provide an updated list featuring the most recent gambling sites.

I am not saying that you should stop playing at the old baccarat casinos you have been visiting. Some established brands are simply incredible, so you don’t have to leave them. But you’ll probably find something intriguing when you sign up with a new baccarat casino. Most new casinos offer new games and more lucrative bonuses. This is generally the best way to attract players, including the members of existing casinos.

Also, brand new casinos design their websites with mobile players in mind. They are easy to navigate because everything is designed to enable quick access. Moreover, they come with search features to help you locate games faster. I have also noticed that new casinos partner with new game developers that create casino games with more innovative features.

Benefits of Baccarat Casinos

There are numerous benefits of playing baccarat at online casinos. I have listed the good and bad things in this guide's pros and cons section. But I would like to focus on why many players visit these casinos more often. For me, it’s all about the varied game selection and bonuses. But there’s more, as discussed in the following paragraphs.

After playing online casino games for many years, I can attest that the online gambling industry is growing very fast. There’s an endless list of casino sites, and most of them offer baccarat along with other popular casino games. The biggest challenge is finding a reliable baccarat casino online site. But that’s where Casino Hipster comes into play with a list of trustworthy baccarat internet casinos.

If you choose a good baccarat casino, you can rest assured that your options are many. The greatest baccarat casinos will provide an opportunity to play any online baccarat game you want. This includes the most popular variants such as Punto Banco, Baccarat Banque, Chemin de Fer and Mini Baccarat. These may be available as free games so you can play without risking any of your hard-earned money.  Even if you are joining to play only baccarat, it will not be the only game you can play. Top-rated casino sites will let you choose from other casino games like blackjack, slot games, poker, roulette and live dealer games. The best online casinos offer reliable payment methods to play baccarat online and other games for real money. These include and may not be limited to e-wallets, debit cards, cryptocurrencies and bank transfers.

One of the biggest reasons why I love baccarat online casinos is the chance to play with bonuses. Almost all casinos with real money games have a welcome bonus for their new players. Yes, you can claim bonus funds once you register. The most common bonuses include deposit bonus deals, no deposit bonus offers, reload bonuses and VIP perks. So, you will still continue to benefit from bonuses if you remain loyal. Check the bonuses section to learn more about the different incentives you can claim at baccarat gambling sites.

Suppose the house edge of a casino game is a major concern. In that case, you’ll be happy to know that it is favourable in baccarat. That’s because the house edge for an online baccarat game when you bet on the banker’s hand is as low as 1.06%. Also, the house edge is about 1.24% if you choose to bet on the player. These figures simply mean that the casino will have a low advantage over time. Thus, you are unlikely to deplete your bankroll quickly if you compare baccarat with other casino games that offer a lower return to player (RTP) rates. But it’s important to point out there are no guaranteed wins because baccarat is mainly based on luck.

Playing baccarat online should be easy, considering the massive popularity of mobile casinos nowadays. Most people in the world own an internet-enabled mobile device. You can play baccarat online with your smartphone or tablet device, no matter the operating system.  An Android, Windows or iOS mobile device will let you access modern baccarat mobile casinos. And you can play any real money baccarat game you want hassle-free. HTML5 technology makes this possible by helping developers design casino websites that are compatible with both desktop and mobile devices.

How to Play Online Baccarat

The process of playing baccarat online is pretty straightforward. You can start once you grasp the basic rules. The aim is to bet on a winning baccarat hand close to nine. If the hand total is 10 or more, your hand total is the last digit. VisIt the hand values section to learn more about this.

Of course, you’ll need to visit a real money baccarat casino to win a withdrawable amount. If you are not yet ready for that, you should start with free baccarat. Just visit any of my recommended baccarat gambling websites and launch your preferred game. Don’t forget to claim any available baccarat bonus offers.

Once you load the game, the first step is to set your bet. You may bet on the player, banker or a tie. Bet amounts will vary from one baccarat game to another, but the best variants will accommodate low rollers and whales. The next step is to click on the DEAL button. The RNG software or human dealer will shuffle the cards. You’ll both receive two initial cards. A third card may be drawn depending on the initial hand values.

Baccarat Casinos Odds and Payouts

Payouts and odds are crucial factors to consider before playing any casino game. They refer to the amount you can win and your chances of winning. In baccarat, banker and player bets pay 1:1, except that there’s a 5% commission on a winning banker bet. If you bet $20 on the player and win, you’ll win an equal amount of $20 and thus get $40 in total.

Online casinos that offer baccarat make profits by charging a commission on winning bank bets, as I told you earlier. The commission is 5% of the amount won, meaning that the actual banker bet payout is 0.95:1. So, if you place a $100 banker bet and win, you’ll only receive $95 for a total payout of $195.

The odds or chances of winning vary depending on the type of bet in online casino baccarat. Banker bets have higher odds of winning at 45.86% while winning a player bet is 44.62%. The probability of a tie is 9.51%, and the payout here usually is 8:1. But some casinos may offer a payout of 9:1 if you bet on a draw and win.

Baccarat Casino Bonuses

As you look for a real-money gaming site, you should find casinos with the best baccarat bonuses. Not many casinos offer bonuses specially designed for baccarat games, but the finest ones do, so you may receive bonus funds on top of free spins, allowing you to play some table games with a boosted bankroll. The offer could be a welcome bonus for new customers or a deposit bonus awarded to existing players.

Welcome Bonuses for New Players at Baccarat Casinos

As the name implies, a welcome bonus is an offer that online casinos use to welcome new players. This is usually the biggest bonus you can find at online casinos. Your welcome bonus will be called a first deposit bonus most of the time. That’s because you’ll get it once you make your initial deposit. The casino sets a minimum deposit amount and the maximum bonus, so you should be mindful of that.

Most casino welcome bonuses are match deposit offers, and the operator will match your deposit amount with a percentage bonus. Suppose you get a 100% first deposit bonus. In that case, the casino will double your deposit amount without exceeding the maximum bonus stated in the bonus terms.

Baccarat casinos also host video slots and other casino games. So, you are likely to find some free spins or bonus spins for slot gamers. These bonuses allow you to play slot games from top-notch providers without risking your money. You only need to deposit the minimum amount to get free spins. But some operators are so generous that they are willing to offer no deposit free spins. No deposit bonuses usually are less profitable than deposit bonus offers.

Baccarat Bonuses for Existing Players

If you can find a reliable casino, then there’s a good chance that you’ll get more promotions beyond the signup offer. This is important because online casino operators want to retain players to stay in business. They must find a way to motivate their existing customers with additional rewards for being loyal.

Cashback is a popular bonus you might get for your loyalty. Here, the casino returns a small percentage of your losses so you can have money to play with even if you don’t deposit. The refund usually ranges from 10% to 30% of your net loss. Reload bonuses are also common at online casinos that offer baccarat games. If you come back, you will receive them, deposit some money, and play more often. If that’s not enough, you can join casino VIP clubs to earn loyalty points that you can redeem for cash prizes and gifts.

Claiming Baccarat Casino Bonuses

So, how do you claim baccarat bonus offers when you come across them? Well, there are different ways to collect bonuses and take part in promotions at online casinos. Many bonuses only require you to signup and deposit the minimum amount to claim. Once you do that, the casino operator will automatically reward you with bonus money or free spins if you are playing slots.

Other baccarat bonuses will only be awarded if you opt-in and use a particular bonus code. You should check the bonus terms and conditions to find out if you need any promo code to claim an offer. If you have trouble redeeming your bonus using the abovementioned methods, you might need to contact support. Find the casino’s email address, live chat or phone number and contact the customer care team in case you need help.

Pros and Cons of Baccarat Casinos

Online casinos with baccarat games are worth your time for their advantages to players. One thing I know is that most of the perks you will enjoy while playing baccarat online are not available at land-based casinos. A welcome bonus is a great example.

This guide is all about being honest with you. Thus, I would like you to know the bad sides of online baccarat even as I highlight the positives. Without a doubt, you’ll see more than one reason to play baccarat online. Check the pros and cons of baccarat online casinos below so you can decide for yourself if they are a good choice.


  • Many real money online baccarat casinos to choose from
  • Players can boost their bankrolls with baccarat bonuses
  • A wide range of baccarat variants playable on computers and mobile devices
  • Baccarat online games offer a low house edge compared to most casino games
  • Free online baccarat games are available for training purposes
  • Live dealer baccarat makes you feel more immersed in the game


  • Online casinos take a 5% commission from your profits
  • Software baccarat eliminates the great feeling of playing at a real-life baccarat table
  • It’s not easy to win huge amounts while playing baccarat games

The Best Baccarat Strategy to Win at Online Casinos

Baccarat is largely a game of luck, so no betting system is 100% effective. But serious gamblers will consider using one of the various baccarat strategies to reduce the chances of making too many losses. Feel free to pick from the following popular baccarat strategies.

The Paroli System

The Paroli strategy is a positive betting system where you increase your bet amount whenever you land a win. It uses a 1-2-4 pattern, and you must go back to the beginning after the third bet. If you begin with a bet of $1 and win, you’ll double it to $2 in the second round. If you get lucky again, the next bet will be $4. But you must return to $1 if you win again this time. The goal of this system is to offset losses.

The Martingale System

This negative progression betting system requires you to double your bet after incurring a loss. You must also return to your original bet after a win. For instance, if you place a $15 bet and lose, then your next bet on the same hand should be $30. Lose that bet again, and your next bet will be $60. If you win this one, you must return to your initial $15 bet.

The Fibonacci Betting System

This baccarat strategy is designed to help recover your losses by placing a bigger subsequent wager. It’s a negative progression betting system since you have to increase your stake after a loss. Here, the following number is determined by adding the previous two numbers, as shown below.

0, 1, 1, 2, 3, 5, 8, 13, 21, 34…

You first pick a betting unit and move up the sequence if you lose. You should then move two steps back in the sequence if you win.

The D’Alembert System

This is a negative progression betting system where you increase your bet after losing. You must first choose a betting unit and place a bet worth one unit. If you lose, you have to increase your bet amount by one unit. You must go back to a single betting unit if you win. For example, if you bet $4 and lose, your next bet will be $8. Lose again, and the subsequent bet will be $12. If you win at this point, return to the initial bet of $4.

Play Baccarat for Free vs Real Money Baccarat

There are two ways to play baccarat at online casinos. The first option is to choose free baccarat games. Free games allow players to test game features and casino sites without depositing money. In fact, you can play free baccarat games online even before joining a casino. Simply select the demo or free play option at the casinos I have listed on this page. If you want to win some cash and claim bonuses, you must join a real money casino site. Here is a comparison of free and real money baccarat games. 

Free BaccaratVS Real Money Baccarat
  • You don’t have to sign up with a casino to play
  • Free baccarat is risk-free because a deposit is not needed
  • There are no real money winnings in free baccarat
  • You can’t benefit from casino bonus offers when playing baccarat for free
  • You need to create an online casino account to play real money baccarat
  • A deposit is required, so you bear the risk of losing your own money
  • You can win money and cash out if you land a win
  • You can’t benefit from casino bonus offers when playing baccarat for free

I recommend free baccarat if you are just getting started. Take advantage of demo versions to learn the rules of the game before depositing money.

Online Baccarat Rules

The rules of an online baccarat game are not as complicated as some people think. Rules are easy to understand, but the banker’s hand is subject to slightly complex rules. However, that’s nothing to worry about because the software or dealer will do the hard work for you. Your job is to place a bet and wait for the outcome without doing any calculations. But it helps to know the rules when playing in land-based casinos to be sure the dealer is doing the right thing.

First of all, an online blackjack game is played with six to eight decks of playing cards. And as I have said before, you win by correctly betting on a hand value that’s closest to 9. If you get a double-digit, then what matters is the second digit. The banker and the player will receive two cards each at the beginning of the game.

Third Card Rules in Baccarat

You or the banker may receive a third card depending on the sum of your two initial cards. There will be no more cards if either hand has a value of 8 or 9. A hand worth 8 or 9 is called a natural in baccarat. The round ends that hand is an automatic winner if the other hand has a lower value.

The Player’s Third Card Rules

A third card will be drawn if neither the player nor the banker has a natural win. The player must stand if their hand value is 6 or 7. To get the third card, the player should have a hand total ranging from 0 to 5.

Dealer’s Third Card Rules

The rules for drawing a third card for the banker are as follows:

  • The banker must stand if their hand total is 7.
  • A third card is drawn if the banker’s hand value is anywhere from 0 to 2.
  • If the banker’s hand value is 3, they get a third card if the player’s 3rd card is 0-7 or 9. The banker stands if the player’s third card is 8.
  • If the banker’s hand value is 4, they receive a third card if the player’s third card ranges from 2 to 7.
  • If the banker’s hand value is 5, they get a 3rd card if the player’s 3rd card is 4, 5, 6 or 7
  • If the banker’s hand value is 6, they receive another card if the player’s third card is 6 or 7.

The way a game of baccarat is played will also depend on the variant you are playing. Some of the rules in new variations may differ from what you’ll find in classic baccarat games. Things like the number of players and who acts as the banker will vary from one baccarat game to another. Let’s look at the rules for the most popular variations of baccarat so you can understand the major differences.

Punto Banco Rules

The terms Punto and Banco refer to the Player and the Banker, respectively. This baccarat variant originated in Italy and is the most popular version at online casinos today. The main difference between Punto Banco and other variants is that the croupier is the only person allowed to shuffle and deal the cards. Players can only place bets.

Chemin De Fer Rules

Chemin De Fer is considered to be the classic version of baccarat that originated in France. The name itself means “railroad” in French. What sets this game apart from Punto Banco is that players can assume the banker’s role by taking turns. Therefore, players play against each other instead of competing against a dealer. The croupier is the only person who can shuffle the cards.

Baccarat Banque Rules

Baccarat Banque is also known as Baccarat en Banque. This version is similar to Punto Banco, except that two players play against the house. Here, the banker is selected at the beginning of the game

Mini-Baccarat Rules

As you can guess from its name, Mini-Baccarat is a simplified variation of baccarat. The tables are much smaller, with two players per table. Even the table limits are set to accommodate players with smaller bankrolls. As with Punto Banco, players are not allowed to shuffle the cards.

Betting Options in Baccarat

There are three main types of bets in online baccarat – banker bet, player bet and tie bet. Baccarat tables are well-labelled to see where to place any of these bets easily. When you bet on the banker, you simply predict that the banker’s hand will win. In contrast, betting on the player means that you believe the player’s hand will win the game. And you place a tie bet if you think the values of both hands will be the same. As you can imagine, this is a risky bet because the chances of winning are very low.

Note that some online casino sites offer baccarat games with side bets. But the odds of winning on side bets are generally not that good. In Mini-Baccarat, for instance, you can place a Dragon Bonus side bet and win if your hand is a natural winner. This bet also pays if you win by a large margin. Super 6 is another side bet that allows you to win an extra amount if the banker wins with a hand value of 6.

Play Baccarat Online for Real Money

We all want to walk away with some cash after playing baccarat or any other online casino game. In fact, the thrill of winning is what makes you keep playing. Hopefully, Lady Luck will favour you as you play your favourite baccarat games online.

I usually advise beginners to try free games first. Playing baccarat free of charge is the best way to understand how a baccarat game works. Once you get the basics, you can visit a real money casino, create an account and deposit some money.

Remember that the best online baccarat casinos like those listed here offer bonuses when you provide the minimum deposit required. You should capitalise on the welcome bonus and other bonuses created for baccarat players. If you get lucky and win a decent sum of money, simply go to the payments area and choose your withdrawal option to cash out.

The Difference Between Live Baccarat and Online Baccarat

Live baccarat games are streamed from a casino studio in real time. They allow you to sit at a virtual baccarat table and play with human dealers. This is an excellent alternative if you want to enjoy a land-based casino experience from the comfort of your home. You can even interact with the dealers and other players via the live chat features. All you need is a computer, smartphone or tablet to access live dealer baccarat games.

If you are not a fan of live dealer games, then you should play the random number generator software version. Here, the software acts as the dealer. Your work is to set your bet and use on-screen commands to play. The main difference is that you’ll be playing alone, which makes it possible to control the game’s speed.

The Baccarat Card Values

If you’re interested in learning how to play baccarat online, it helps to know card values. The cards 2 to 9 maintain their face value while Aces are equal to 1. On the other hand, 10s, Jacks, Queens and Kings count as 0s.

As stated before, the goal of a baccarat game is to wager on the hand that’s closest to 9. You might ask, what happens if the hand total is 10 or more? Well, the only important thing is the last digit. Let’s say you have received Ace, 2 and 9, forming a hand total of 12. The last number is 2, so the value of that hand is 2.

There you have it! Hopefully, this guide has helped you learn how to play baccarat online. Visit the casinos I have recommended on this page to play real money casino games with a bonus. Finally, don’t forget to play responsibly.

Baccarat FAQs

What is baccarat?

Baccarat is a casino table game played with six to eight decks of 52 playing cards. The objective is to bet on the hand you think will be closest to 9. You can place a player bet, banker bet or bet on a tie.

How to play baccarat online?

You first need to understand the basic rules of the game before playing. This includes the three main bets (player, banker and tie) and when to draw a third card. Once you do that, you can join any real money baccarat casino recommended on this page to play—a computer or mobile device with an internet connection and a browser.

Is it possible to count cards in baccarat?

Yes, you can use the card counting strategy to count cards while playing baccarat games online. But this may not be helpful since online casinos usually shuffle the cards using RNG software. For that reason, it’s hard to get an edge over the casino.

Are online baccarat games rigged?

You can play baccarat games online without worrying about being conned if you join reputable casinos. Luckily, Casino Hipster has a list of the best online casinos with top-notch baccarat games. Trustworthy agencies test the integrity of games that use random number generators to ensure fairness.

Can I play online baccarat for free?

Yes, top-rated baccarat gambling sites offer free games, including baccarat games that you can play for free. The beauty of playing free baccarat games is that you don’t need to invest any money. This means that you can test the newest casino websites and new baccarat games risk-free.

Is baccarat casino available on mobile?

Yes, many mobile casinos are offering all sorts of baccarat games. They will let you play any baccarat game on the go using your smartphone or tablet. You can use any modern Android or iOS device to visit baccarat mobile casinos or download casino apps.

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