Best Baccarat Online for Real Money

People have been playing real money baccarat since the mid 1400s when it was first created in Italy by a man named Felix Falguiere. He originally called it, “baccara,” which is the Italian word for zero. This references the fact that all tens and face cards had a value of zero in this game.

While the rules of baccarat are basically the same as the year it was created, the ways in which you can play baccarat are very different.

We still play baccarat at brick-and-mortar casinos from time to time, but our favorite way to play real money baccarat is online. Knowing where to play baccarat for money can be difficult though, which is why we spent so many hours developing this list of best baccarat online casinos.

Rank Online Casino Key Info Bonus Info Visit Casino
  • A Top Rated US Casino
  • Visa, MC, Amex, BTC
  • Fast Cashouts (3 Hrs.)
  • Excellent Payout Speeds
  • 280% Welcome Bonus
  • Brand New Casino
  • 250% First Deposit Bonus
  • Fast Payout Times
  • Large Selection of Games
  • High end game graphics
  • Visa, MC, BTC, Neosurf
  • Fast payouts
  • Owned by Trusted Brand
  • Visa, MC, and BTC Accepted
  • Excellent Customer Service
  • Large Selection of Slots
  • Variety of Banking Options
  • 250% Bonus up to $6,000
  • Caters to US Customers
  • 200% Welcome Bonus
  • Great Customer Service
  • Great Site for Mobile
  • Play 300+ RTG Games
  • 3-6 Hr. Payout Time

Now that you know which real money baccarat online casinos to play at, we will cover everything else you need to know including a step-by-step guide on how to play baccarat for money, an explanation of the different variations of baccarat, an overview of baccarat on mobile, and so much more.

Why Should I Play Baccarat for Money Online?

If you’re wondering why you should play at the best baccarat casinos online, then this section is for you. We provide our top three reasons why we play baccarat for money online and why we think you should too.

Can Win Actual Money

Fast Money IconPlaying at baccarat casino sites provides an opportunity to win real money. Depending on what baccarat online casinos you choose to play at and how much money you bet, you could potentially win tens of thousands of dollars on a single game. Of course, hundreds of dollars at a time is more common.

Regardless of how much you win, the best part is you can win that money without having to leave the comfort of your own home. Let’s be honest. Does it get any better than that?

Several Baccarat Variants to Choose From

When playing at a brick and mortar casino, you are limited to the variations of baccarat the casino has to offer at the time. Usually, there are only one of two variations available unless you’re playing at one of the casinos on the Vegas Strip, but even those casinos are limited to some extent.

While playing at baccarat casinos for money, you’ll find almost every variation of baccarat available including Mini Baccarat, 3 Card Baccarat, Baccarat Banque, Punto Banco, and Chemin de Fer. We cover these baccarat variations in more detail further down this page.

Casino Bonuses Allow You to Play More Baccarat For Free

Another reason why we think you should play at real money baccarat online casinos is because of the sheer amount of casino bonuses you can take advantage of. Some of these bonuses are exclusively for baccarat, while others are more generic and can be used on a variety of different casino games.

We love taking advantage of all of the bonuses we can because of the added value they bring to our bankroll. Bonuses for baccarat typically range from $10 to $200, which can significantly boost your bankroll. While these bonuses will come with wagering requirements, we still think they’re worth taking advantage of.

How to Play Baccarat For Real Money Online

Baccarat Banner
In this section, we’ll cover how to play blackjack for money and briefly go over the rules involved in the classic version of this game. This section is perfect for beginners who may have never played baccarat before.

Create an Account at A Trustworthy Online Casino

One of the first things you need to do before you can play baccarat for money is to create an account at a trusted online casino. We have spent countless hours testing and researching a variety of different baccarat online casinos in order to find ones that are both trustworthy and high quality.

By sticking with our list of best baccarat casinos online, you can rest assured knowing that you are playing at one of the top establishments around. Not only will these online casinos offer baccarat, but they’ll also offer ample bonuses, secure banking options, and a dedicated customer service team. Trust us, you won’t want to play anywhere else.

Choose Your Stakes

Once you’re established with a few different baccarat casino sites, it will be time to choose your stakes. In other words, you have to decide how much money you want to risk on the upcoming game of baccarat. Stakes vary from casino to casino, but they range from $5 to $5,000 per game.

Remember, if you win your bet then you win double your stake amount. If you lose your bet, then you forfeit the entire stake amount.

Bet on Either the Banker or the Player

Now that you know how much money you’re willing to put up for stake, you can either bet on the banker(which is the dealer) or the player. Your goal is to determine which party you think will be dealt a hand closest to nine points in value. We discuss the type of baccarat bets you can place in more detail further down this page.

You must select one of the bets mentioned above. While one bet isn’t really better than another in baccarat, we recommend checking the odds on each outcome to help make your decision easier.

Hope Your Party’s Hand is Closest to 9

Each player will be dealt two cards. 10s, Jacks, Queens, and Kings are worth zero points. 2s, 3s, 4s, 5s, 6s, 7s, 8s, and 9s and worth face value, and aces are worth one point. The party whose hand value is closest to nine points wins. If both the bank and the player have a hand totaling the same amount of points, then it’s considered a tie.

Rules for the Player

It’s very possible a player may be able to receive an additional card in order to get their total closer to nine. Reference the chart below to know when a third card is a viable option.

If their first two card totals equals… Player has to…
0-5 points Draw an additional
6-7 Stand
8-9 Automatically win or tie

Rules for the Banker

Similar to the player, the banker has certain limitations regarding when they can and cannot draw based on the value of their hand and the value of the players’ third card.

Banker’s Hand Total Dealer Can Draw If the Player’s 3rd Card is a… Dealer Cannot Draw If the Player’s 3rd Card is a…
0-2 Always draw Always draw
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
7-9 Always stand Always stand

Baccarat Bets

In this section, we cover the different types of bets you can place while playing baccarat. While there are three main bets you can place, there are also additional side bets that are sometimes offered and we’ll cover those too.

The Banker Bet

Betting on the banker means you think the banker will have the most valuable hand. The highest card in baccarat is a nine, as 10s and face cards are worth zero points and an ace is only worth one point. This type of bet typically has the lowest odds and therefore comes with the least amount of risk.

The Player Bet

When you bet on the player to win, you believe that the player is the one who will receive the most valuable hand. This type of bet also comes with a relatively low house edge, though it’s not usually as low as the Banker Bet.

The Tie Bet

A tie occurs when both the banker and the player are dealt the same hand value. Although a tie in baccarat is fairly uncommon, it does come with a higher payout than the other two bets mentioned above. Of course, the house edge is higher too.

Side Bets

Some real money baccarat online casinos offer side bets in baccarat. These usually payout well, but the house edge is extremely high. Below are a few of the most commonly offered side bets we have found.

Perfect Pair

When placing a perfect pair bet, you are betting that either the banker or the player will be dealt two cards of the same rank, hence giving them a perfect pair. If your pair is of the same suit, the payout is higher than if they consisted of different suits.

Royal Match

In order to win this side bet, either the banker or the player must receive both a king and a queen for their opening hand. Again, the payouts are substantially higher when the king and the queen are of the same suit.

Lucky/Unlucky 8

To win the Lucky 8 side bet, either the banker or the player will have to win with a hand value of exactly eight points. To win the Unlucky side bet, either the banker or the player will lose despite having a hand value of eight points.

Dragon Bonus

You place this side bet on either the banker or the player when you believe they will receive a natural win (a hand equal to nine points) or large margin win (4 points or more ahead of their opponent).

Top USA Baccarat Casinos

Below we have listed the different variations of baccarat found at some of the best baccarat online casinos on the market.


  • Classic Baccarat
  • 3 Card Baccarat
  • Live Dealer Baccarat

Wild Casino

  • Classic Baccarat
  • Live Dealer Baccarat

Super Slots

  • Classic Baccarat
  • Live Dealer Baccarat

Vegas Casino Online

  • Classic Blackjack
  • Mini Baccarat
  • Punto Banco

The Different Variations of Baccarat Explained

While we have already gone over how to play the classic version of baccarat, now we want to cover some of the different variations of baccarat that you can play online.
Baccarat Table at BetOnline

Mini Baccarat

What makes mini baccarat stand out most to us is that it comes with much lower stakes than other versions of these games, making it a great game for beginners. Other than lower stakes and a smaller board, the only other difference with mini baccarat is that all the cards are handled by the bank. Other than that, all the other rules of the classic version of the game apply.

Punto Banco

Punto Banco is very similar to classic baccarat with one of the only differences being that you can bet on a tie in addition to simply betting on the player or the banker. Ties are rare, but when they do occur, you can potentially win a lot of money.

With Punto Banco, there are actually three dealers who take turns as the banker. When playing online, the banker is always played by a computer software so that detail doesn’t really matter anyway.

3 Card Baccarat

As implied in the title, this baccarat variation requires each player to receive three cards instead of two. While cards are worth the same value, they are counted differently. No matter what your total number of points is, you will drop the tens place to reveal your true score.

For example, let’s say your three cards were a 5, a 2, and a 7. Normally, your score would be 14, but after you drop the tens place, your score is only 4.

Other than your standard bets of a banker win, a player win, or a tie, you can also place a three faces bet. This means you think the player will receive three face cards and a total hand score of zero. Although it’s rare, the payout is higher.

Baccarat Banque

Baccarat Banque allows you to act as the bank or the player, giving you an unique opportunity to have some control over the outcome of the game. The player who makes the largest bets automatically becomes the banker.

They will hold that title as long as they continue to place the largest bets available. It doesn’t matter if they win or lose a round. This game is played with three decks of cards.

Chemin de Fer

This variation of baccarat is extremely popular in France, but it’s still available online for anyone to play. Similar to Baccarat Banque, you have the opportunity to be the player or the bank in Chemin de Fer.

The difference is if you get to be the banker, then you have to continue winning in order to keep your title as the banker. Once you lose, the winner will become the next banker. This game is played with six decks of cards.

Online Baccarat vs Live Dealer Baccarat

There are several distinct differences between playing normal baccarat online and live dealer baccarat, which we’ll cover for you in the table below. While one isn’t necessarily better than another, this chart should help you decide which one you’d prefer to play based on your own individual preferences.

Online Baccarat Live Dealer Baccarat
You will be playing against a computer software program. You will be playing against a real person.
Play anytime of the day or night at your own convenience. Play in real time.
The stakes are typically higher. The stakes are typically lower.
Higher stakes lead to potentially higher wins. Lower stakes lead to potentially lower wins.

Real Money Baccarat vs Free Baccarat

While we definitely prefer real money baccarat to free baccarat, there are advantages to playing free baccarat too. Check out the comparison chart below to see the difference between these two types of baccarat. This should provide insight, so you know which version will be best for you.

Real Money Baccarat Free Baccarat
You can win actual money. You can not win money
You can play baccarat to fulfill rollover requirements for money bonuses. This doesn’t count towards rollover requirements for any bonuses.
You always have to pay to play. You can pay without any money in your account.
Playing can be stressful. You’re only playing for fun.

Tips for Playing Baccarat Online for Real Money

Tip #1: Make Room in Your Budget Specifically for Online Baccarat

When you spend more money on online baccarat than you can afford to spend, you could end up placing more riskier bets in order to make up for your losses. Instead, determine how much money you can afford to spend on baccarat and set that money aside. Never spend more than that allotted amount and then you’ll never find yourself in a situation where you feel pressured to place bets you normally wouldn’t

Tip #2: Avoid Side Bets

While side bets can offer huge payouts, they are nearly impossible to predict and the house edge is extremely high. More often than not, you’ll lose money on these side bets, which is why we recommend avoiding them altogether. Stick with betting on the banker or the player instead.

Tip #3: Limit the Amount of Time You Play Each Session

It’s common to hit a lucky streak while playing baccarat, but these lucky streaks won’t last long. By limiting how much time you spend on real money online baccarat each day, you’ll be able to prevent yourself from overspending.

Tip #4: Stop Playing After a Decent Win

Winning a game of baccarat can be so exhilarating that you won’t want to stop playing. We suggest that you do though. By stopping after a win, you’ll be more likely to walk away from your baccarat session with a decent profit that you can use to fund your next session if you wish.

Tip #5: Make Sure You Understand the Rules

Each variation of online baccarat has slightly different rules. Make sure you study the rules of the baccarat variant you’re playing to increase your chances of making educated predictions while placing bets.

Playing Baccarat on Mobile

If you’ve never played baccarat on a casino app, then you’re missing out. We enjoy being able to access the best baccarat online casinos while on the go and we’re sure you will too.

Since there are so many baccarat casino sites available for mobile, it would be impossible to list them all for you here. Instead, you can visit our dedicated page on the best baccarat apps. There, you’ll find our top recommendations for baccarat apps and an explanation on what makes these the best apps on the market.

Free Baccarat Apps

There aren’t as many free baccarat apps as there are real money baccarat apps, so we will list them here for you. Playing these free versions of baccarat will provide you with good practice for when you decide to move on to baccarat casinos for money instead.

FAQ About Playing Baccarat Online

Below is the list of questions we seem to get asked most often. Hopefully, any answered questions you may have will be answered here. If you have any additional queries you need answered, please feel free to contact us and we’ll get back to you as soon as possible.

  • How Do I Win Baccarat?

    While this table game is considered a game of chance, there are still things you can do to increase your chances of being able to know how to win baccarat. One technique we enjoy using is the counting cards strategy, which involves assigning certain values to each card so that you’ll be able to know when the count is positive enough to be in your favor.

  • Can USA Residents Legally Play at Baccarat Online Casinos?

    Yes, absolutely. There are a plethora of baccarat casino sites that welcome players from the United States with open arms. In fact, all of the best baccarat casinos online from our list of recommendations are USA friendly.

  • Which Variation of Baccarat Should I Play?

    No variation of online baccarat is better than the rest. With that being said, we prefer to play 3 Card Baccarat whenever we get the chance because we love the unique betting options that come with it. It makes the games more exciting to play and potentially more rewarding to play as well.

  • Is Online Baccarat Fair?

    Yes, we can say with certainty that all of the baccarat online casinos that we’ve recommended to you offer fair games for all of their players. We know this because we have thoroughly tested and researched them to make sure of it. We cannot speak for other baccarat casino sites, as we know some of them are corrupt and therefore could rip you off.

  • Do I Need to Download an App to Play Baccarat on Mobile?

    The best answer to this question would be sometimes. Some baccarat apps need to be downloaded from an app store, while others can be accessed through your device’s web browser.