Baccarat Online

Baccarat online is among the finest casino games available in the market for players today. The game's inception began more than 500 years ago with an Italian gambler. The baccarat game has journeyed worldwide since its kick-off, picking up obtaining rules and variations on its travels.

Where to play online baccarat Philippines, though? Presently, there are four primary variations players are familiar with:

  • American
  • Chemin de fer
  • European
  • Baccarat en Banque

This game’s enduring popularity is a testament to its fun nature, transparent rules, and comprehendible gameplay. By the end of this review, you'll realize that the baccarat game online is among the best activities to try on virtual casinos.

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Top Rated Online Casinos For Baccarat

Online Baccarat Main Rules Explained

Online Baccarat Main Rules Explained

Baccarat is a very simple game and can be learned in minutes. It is a game of chance where you place a bet on the banker, the player, or a tie. Two cards are drawn for both the player and the banker and whoever has the total value closer to 9 wins. In some variations of the game, a third card can be drawn for either or both the banker and the player.

In online baccarat, the computer will do the dealing while at live dealer baccarat an actual dealer will draw the cards and you may play along with four other people. Have a look at our quick guide below what the steps of the game are.

Step-by-step baccarat guide

● Select your bet by clicking on the chip

● Click on “player”, “banker” or “tie” to place the selected bet

● Side bet options may be available

● Click on “deal”

● Two cards are dealt for both parties and a winner is determined

● If you won, the sum will be added to your balance

● Place the next bet

Online Baccarat card value

Card value

In baccarat, only the values of the cards matter while the suits are irrelevant.

Cards from 2 to 9 are counted as their face value, while face cards and 10 have zero value and Ace has a value of 1. The total value cannot exceed 9 and when it would, you will have to subtract 10 from the figure.


● Ace (1) + Eight (8) = 9

● Jack (0) + Three (3) = 3

● Ten (0) + King (0) = 0

● Two (2) + Six (6) = 8

● Nine (9) + Five (5) = 14 - 10 = 4

Understanding Baccarat Main Features

The objective of the baccarat game is to try to guess if the banker or the player will have a hand value closer to 9. It is all about luck and there is no strategy to use. In an online version, there is usually a scoreboard where you can check past results, however, as games use RNG technology, future results don’t depend on past ones. The three main bets you can place are these:


The banker bet has the lowest house edge and slightly higher odds of winning than the player bet. However, usually, there is a 5% commission if you place this bet.


This is the second-best option to bet on. There is no commission involved and your chances of winning are just slightly lower than with the banker bet.


This is the riskiest bet of the three as chances of the banker and player having the same card value are slim. However, the payout is high on this bet.

8 Deck Baccarat odds and payouts
Baccarat Common bets: Odds, Payouts & house Edge – 8 Deck
Bet Odds Payout House Edge %
Banker Bet 45.86% 0.95:1 1.06
Player Bet 44.62% 1:1 1.24
Tie Bet 9.52% 8:1 14.36

More variations of bets in baccarat

Understanding Baccarat Main Features

There are a few additional (side bets) you can place in baccarat, however, they may vary from casino to casino.

Player pair – pays if the player’s first two cards are a pair

Banker pair – pays if the banker’s first two cards are a pair

Perfect pair – pays if either the player or the banker has a pair in both rank and suit

Either pair – pays if either the banker or the player has a pair

Panda 8 – pays if the player wins with three cards with a total value of 8

Lucky 8 – pays if the total hand value of either the player or the banker is 8 and it beats the other hand

Online Baccarat side bets - odds & payouts
Baccarat Side bets: Odds, Payouts & house Edge
Bet Odds Payout House Edge %
Player pair 7.47% 11:1 10.36
Banker Pair 7.47% 11:1 10.36
Perfect pair 3.34% 25:1 13.03
Either pair 14.2% 5:1 13.71
Panda 8 25:1 10.18
Lucky 8 4:1 13.65

Online Baccarat Odds, House edge

Baccarat has a low house edge compared to other games of chance - that is if you place one of the two main bet types: the banker (1.06%) or the player (1.36%) bets. You will also have odds close to 50% with either one of these two bets. However, when you bet on a tie or place one of the available side bets, your odds reduces significantly and the house edge will be higher. On the other hand, also the possible win will be higher.

Baccarat can be played with different numbers of decks and this also influences the house edge and the odds. The main bet types will have the same payout though. You can check the exact figures in the below tabula.

Six Deck Baccarat

Six Deck baccarat odds and payouts
Bet Odds Payout House Edge %
Banker Bet 45.87% 0.95:1 1.06%
Player Bet 44.63% 1:1 1.24%
Tie Bet 9.51% 8:1 14.44%

Single–Deck Baccarat

Single-Deck baccarat
Bet Odds Payout House Edge %
Banker Bet 45.96% 0.95:1 1.01%
Player Bet 44.68% 1:1 1.29%
Tie Bet 9.36% 8:1 15.75%

Real Money Bonuses for Baccarat players

Real Money Bonuses for Baccarat playersWe all want to get bonuses and double our bankroll to boost our chances of winning, however, not all bonuses can be used for baccarat. This game has a low house edge and with certain bets, almost 50% chance of winning so understandably casinos are not so keen on you playing this game with their money.

In most casinos, baccarat only counts as 10% towards wagering or it might not count at all. If we find a good bonus that can be advantageously used for baccarat, we will list it here.

Spin Samurai
Welcome package: $800 + 75 Free Spins
True Flip
Welcome package: 10% cashback every week
Welcome package: $500 + 180 Free Spins
Welcome package $120 + 120 Free Spins
Welcome bonus $1,500 + 270 Free Spins
King Billy
Welcome package: $1,000 + 200 Free Spins

Interesting Betting Strategies

Baccarat is a game of chance and it isn’t much you can do to ensure winning. However, you can adjust your bet levels to maximize your winning or minimize your loss. There are two progression systems for adjusting your bets. One reduces the bet level after a loss and increases it after a win, while the other does just the opposite.

Positive Progression System

Positive Progression System

The most common positive progression system is the Paroli system. This system is based on the belief that lucky and unlucky streaks exist and if you are in the lucky one you should increase your wagers and while in the unlucky one reduce the wagers.

● Double your bet every time you win

● If you win three times in a row you adjust your bet to the original level

● If you lose, reset your bet level to your first bet

With this system, there is a risk that the player runs out of money or reaches the table limit.

Apart from the Paroli system, there are other systems (Parlay, 1-3-2-6, or Oscar’s Grind) that increase bets by different figures

Negative Progression system

Negative Progression system

One of the best examples of the negative progression system is placing your new bets according to the Fibonacci sequence – adding the two previous numbers together to get the subsequent sum.

● You increase your wager with each loss according to the system

● If you lose, you go back two numbers on the sequence

● The point of this system is to keep the losses under control

● Rushed decisions can be avoided following this system

This system mainly suits high-rollers as not everybody can afford to wager more and more money after each loss.

Other negative progression systems are the Martingale, the Labouchere, and the D’Alembert systems.

Most Popular Types of Online Baccarat

When you play baccarat at an online casino, most likely you can choose between a few variants. You can try free baccarat games or play them for real money. Many baccarat casinos offer live dealer games as well – not only for high rollers.

Big Baccarat

Big Baccarat

● A full-size version of the baccarat game

● Up to 14 players can sit down at the table

● There are three dealers at the oval-shaped tables in land-based casinos

● Places are marked with yellow numbers between 1 and 15

● There is no number 13 as it is considered unlucky in many cultures

● Maximum and minimum table limits apply

Mini Baccarat

Mini Baccarat

● Mini version with lower bet limits

● Is a popular version in casinos in the main game area

● The table is a shape of half a circle and has space for 5 or 7 players

● Places are marked 1, 2, 3, 5, and 6

● Number 4 is not marked on the table as it is considered unlucky in Asian cultures

● The game has one dealer who stands opposite the players

Live Dealer Baccarat

Live Dealer Baccarat

● Normally there are 5 or 7 players at the table

● Real-time video connection with the studio

● You can interact with other players through chat

● Table limits are set by the online casino

● There can be high-roller tables that are suitable for punters with a large bankroll

● Some variants of the game allow side bets

Chemin De Fer

Chemin De Fer

● Is popular in France and Monte Carlo and other casino locations in Europe

● American casinos normally don’t offer this version of baccarat

● Players bet against each other

● One player holds the bank and sets aside his bet to cover the bets of the opponents

How To Start Playing Baccarat Online for Real Money

  1. Choose a casino from our list

    If you are after a good game of baccarat, select a casino from our list as we list the best casinos here based on their baccarat selection.

  2. Choose a good welcome bonus

    Look for a bonus that accepts baccarat towards the wagering requirements. It is rare to find one but not impossible.

  3. Make a deposit

    You can play the demo versions of the game for free but if you want to play for real money, you will need to deposit some money onto your account.

  4. Choose a game and wait until you will get your cards

    There are usually many games to choose from. Just pick the one you like the most or else the live casino game that has a seat available and place your first bet.

  5. Take a win!

    You have an almost 50% chance of winning with the banker or player bet. If you were lucky, it is time to cash out and enjoy your winning!

Try Our Tips at Free Baccarat Game

  • Learn the Counting Rules

    Learn the Counting Rules

    Contrary to common perception, there are constructive methods to count cards in this game; however, it's dissimilar from card counting in other games. Card counting is a technique used to create estimates on the nature of remaining cards on the deck.

  • Never Bet on Tie

    Never Bet on Tie

    A tie bet looks attractive to gamers with a payout of 8:1. Besides, you’d expect ties to happen with eight decks in play, right? Perhaps, though with less than 10% possibility of winning and a house advantage of 14.4%, it's unlikely to occur frequently.

  • Evaluate the Payout Percentage Rate of Online Casinos

    Evaluate the Payout Percentage Rate of Online Casinos

    Baccarat games have a minimized house edge; don't negate this by engaging in an online casino with a minimum payout rate. The average payout percentage in most casinos varies from 96%–98%. If you choose to play in casinos that fall beneath 96%, you'll find yourself making huge losses.

  • Maintain Brief Sessions

    Maintain Brief Sessions

    Players typically hit a short uninterrupted sequence of success. Therefore, once your winning streak is over, immediately leave the table

  • Examine the House Edge Before Making Side Bets

    Examine the House Edge Before Making Side Bets

    Some baccarat side bets offer massive payouts, although they may have a higher house edge. The super 6 bet provides a payout of 12:1, and the house advantage is a whopping 29.98%.

  • Play at licensed casinos

    Play at licensed casinos

    If you don't want to be left empty-handed always play at a casino with reliable licence.


What type of baccarat games are accessible in the Philippines?

Land-based casinos in the Philippines provide classic casino baccarat games. In addition to that, gamers can also access a wide array of game options in licensed online casinos. You'll encounter several game variations on the game board, including live dealer baccarat games and real money varying table limits.

Which is the best bet in online baccarat?

The most recommended bet in online baccarat real money Philippines is the banker. The reason behind this is that they subtract a 5% commission directly from each winning bet.

Who are the major service providers for casinos with live baccarat?

The service providers include NetEnt, Microgaming, Evolving Game, Novomatic, and Amaya.