A Complete Baccarat Guide for Beginners

Want to learn how to play baccarat and increase your chances of winning? This complete baccarat guide for beginners is all you need. You will learn how to play this popular casino game, baccarat rules, and the tips you can use to get an advantage when playing.

Additionally, the post will explain the different types of baccarat games, the various versions of baccarat tables, and more. At the end of this baccarat guide, you will also find answers to some frequently asked questions about the game.

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This Baccarat beginners guide covers the following topics:

  1. Introduction to baccarat
  2. How to play baccarat
  3. Common types of bets in baccarat
  4. Types of baccarat games
  5. Types of baccarat tables
  6. Top baccarat tips for beginners
  7. Baccarat bonuses
  8. Baccarat FAQ

Introduction To Baccarat

Baccarat is a popular casino table game that has been around for hundreds of years. The history has been traced to the 15th century, when Felix Falguiere, an Italian gambler, invented it. In those years, the game was referred to as the game of the aristocrats and was played only by the rich. Also, in modern brick-and-mortar casinos, baccarat is mainly played by the high rollers, bettors who have a big bankroll.

However, the introduction of online casinos has made baccarat more accessible to everyone, including the low rollers. Furthermore, the original baccarat has evolved into several variants over the years. For example, there were four dealers in baccarat hundreds of years ago, unlike now when there is just one dealer.

When baccarat moved from Italy to France, it was called Chemin de Fer and was popular among the French Nobles. Then from France, Baccarat started gaining popularity in England and other parts of the world.

When it reached South America, it was called Punto Banco and later became the American Baccarat. The game found its way to the USA in the 1950s, making its first appearance at one of the casinos in Las Vegas. With the advent of internet technology and online casinos, the game has become globally popular.

How To Play

Baccarat is fairly easy to learn and play. The game rules are the same, irrespective of whether you are playing at an online casino or a land-based casino. At physical casinos, the number of players at a baccarat table can be around 12 to 14. However, if you are playing at an online casino, it is usually between you and the banker, also known as the dealer.

Baccarat is played using the standard 52-card deck, with each card in the pack having a value assigned to it. All tens and face cards (K, J, & Q) are worth zero points. Ace is worth one point. While the other cards in the pack (2 – 9) have face value. For example, a 9-card has nine points, and a 3-card has three points.

You play baccarat by betting on either the banker’s hand, the player’s hand, or a tie between the two hands. In baccarat, you must place your bet before the dealer deals cards. After placing your bets, the player and the banker are dealt two cards each. The hand value is the sum of the points of each of the two cards. The hand with a value closer to 9 is the winner of the game.

If the hand value is double-digit, only the value of the right digit is considered. For example, if the player’s hand has an 8 and 7, which totals 15. The hand value will be five, which is the right digit of the sum of the two hands.

Understand baccarat natural win

A hand value of 8 or 9 is a natural win in baccarat. In other words, if the sum of the points of the two cards in a hand totals 8 or 9, it is a natural win for that hand. The person who bets on it wins, and the game is over.

Other rules every beginner should know

If the player’s hand value is between 6 and 8, the player stands. However, if the hand value is 5 or lower, the player takes a hit, and the dealer deals him another card.

The banker stands if his hand value is between 7 and 9 and takes a hit if his hand value is between 0 and 3. Depending on the player’s hand value, the banker may also take a hit if his hand totals between 4 and 6. Below is a summary of how the banker plays his hand

  • The banker stands if his initial hand value is either 7, 8, or 9
  • The banker takes a hit if his initial hand is 0, 1, 2, or 3.
  • The banker takes a hit if his hand value is 3 and the player’s hand value is 8
  • The following action happens when the banker’s value is between 4 to 6

1. The Banker

Placing bets on the banker’s hand is the most common baccarat bet. This bet has the lowest house edge among all the types of bets you can place at a casino. The payout for a bet on the banker’s hand at most top UK online casinos is 1:1. Also, most sites charge a 5% commission on wins on the banker’s bet.

2. The Player

The house edge on a bet on the player is slightly higher than a bet on the banker. The payout on this bet is also 1:1. However, casinos do not charge commissions when you win this type of bet.

3. The Tie

The tie is popularly called a sucker bet by bettors as the chances of winning this bet is low. The house edge on a tie bet is higher than the house edge on the player and the banker’s bet. However, if you are lucky to win this bet, the payout could be as high as 8:1.

Aside from The Banker, The Player, and The Tie bet, there are other types of bets you can place at online casinos. If you are lucky, some of these bets have great payout and are a good way to rack up some dollars to your bankroll. These bets include:

4. Perfect Pair

Perfect pairs are common in casinos powered by Evolution Gaming or Playtech. You win a perfect pair bet if the player and the banker’s first two cards form a suited pair. The standard payout for this type of bet is usually about 25:1, but it can sometimes be as high as 250:1, depending on the game provider’s wagering rule.

5. Either Pair

You win an Either Pair bet if either the initial cards of the player or the banker form a pair. The payout of this type of baccarat bet is 5:1

6. Big and Small

If you place a small bet, you win when the player or the banker’s hand value is four. The house edge for a small bet is 5.3%, and its payout is usually 3:2. You win a big bet if the banker or the player’s hand value is 5 or 6. The house edge for this type of baccarat bet is 4.35%. The payout for a big bet on most online casinos is 0.54:1.

7. Egalite

Here, you bet that the banker and the player’s hand value will be an equal specific score. For instance, you can place a bet that the hand value of the banker and the player will be 7-7, 8-8- or 6-6. This baccarat bet is very common in UK online casinos. The house edge and payout depend on the specific tie you are betting on.

8. Lucky Bonus

You win a lucky bonus bet if the banker gets a winning six. The payout for this side bet is 18:1. This baccarat bet is usually available at commission-free casinos.

9. Super 6

Like the lucky bonus, Super 6 is also a banker-specific bet. Here, you place a bet that the banker will land a winning 6 with his first two cards. The payout for this type of baccarat bet is 12:1

10. Dragon Bonus

This baccarat bet is very common in most online casinos. Here you bet on the number of card decks the banker and player will use. The house edge for dragon bonuses varies, depending on the number of decks you are betting on. For example, a bet on four decks has a house edge of 9.42% for the banker’s hand and 2.70% for the player’s hand.

11. 3-Card Six

Here, you win when the combined value of the first three cards of the player and the banker is 6. The house edge of 3-card six is 13.37%, and the payout could be as high as 100:1.

Types Of Baccarat Games

Before we discuss the different types of baccarat tables and give you tips on how to increase your chances of winning the game, let’s have a look at the common versions of baccarat available at the UK’s top online casinos.

• Punto Banco

The Punto Banco version of baccarat is simply labeled as baccarat on most online casinos in the UK, Europe, United States, Canada, Australia, and more. Here, the casino banks the games and plays out both hands using the standard baccarat rules. In some casinos, the player is referred to as Punto and the banker as Banco. Cards are dealt from a shoe containing eight decks of cards in this version of baccarat.

• Chemin de fer

Chemin de fer is a French term meaning railway. French players gave this version the name because the game was faster than the original game and the railway was the fastest means of transportation at that time. Most casinos in Europe, especially France, have this type of baccarat game in their lobby.

The main difference here is that six decks of cards are used, and the players bet against one another, with one player designated as the banker. Also, the rules are slightly different from that of Punto Banco. For example, players can decide to hit or stand if their hand value is five, unlike Punto Banco, where they must take a hit. The game is typically played on a baccarat table that can hold up to 14 players.

• Three-card Baccarat

As the name suggests, the player and the banker receive three cards per round in this version of baccarat. The highest possible hand in three-card baccarat is a hand with three face cards. Here, if the banker and the player have the same hand value, the hand with a higher number of face cards wins the round. This type of baccarat game is very popular in Macau and Asia casinos. Three-card baccarat is also played using the standard 52-card deck.

• Baccarat en Banque

This version of baccarat is played using three decks of cards. The rules here are similar to that of Chemin de fer. However, players do not take turns as bankers, like it is done with Chemin de fer.

Here, a single player is chosen as the banker throughout the game. This type of baccarat game is also called Deux tableaux, meaning two tables because of how its table is set up. Baccarat en Banque is also popular in Europe.

• Mini Baccarat

Mini baccarat is very similar to Punto Banco, with the only exception being that it uses only a single croupier. The baccarat table here is almost the same size as the standard blackjack table. The minimum and maximum bets you can place on this version of baccarat are usually smaller compared to other versions of the game.

Types Of Baccarat Tables

You will come across three different types of baccarat tables when playing at land-based and online casinos. The most common type of baccarat tables are:

• Big baccarat table layout

Many brick-and-mortar casinos offer customers a big baccarat table. This table is often reserved for the high rollers and secluded to the VIP section of the casino. The big baccarat table has an oval shape and features yellow numbers 1 – 15 on each side, with the number 13 omitted. Some big baccarat tables also have the number four missing on them. There is a superstitious claim that the numbers are omitted because they bring bad luck.

The middle section of the big baccarat table is meant for the dealer. These baccarat tables usually have three betting areas and three dealers. Each side of the big baccarat table is managed by a dealer, the casino’s employee. The dealer also provides chips to players in exchange for money and starts the game after players place their bet.

• Mini baccarat table layout

The mini-baccarat table gained increased popularity in casinos due to its simple rules. The game has reasonable table limits, making it suitable for high and low rollers. Unlike the big baccarat table that can host up to 14players, the maximum number of players a mini table can host is seven.

This type of baccarat table uses the same standard baccarat rules. The table has three betting areas, the tie betting area, the banker’s betting area, and the player’s betting area. The colour of each betting area is usually different from one another.

• Online baccarat table layout

Online casinos have made it possible for casino players to play baccarat games without leaving the comfort of their homes. The layout of the tables on online casinos is similar to the mini-baccarat table layout. This table also has three betting sections: the banker, the player, and a tie.

When you play baccarat at online casinos, you are the only player sitting at the table. However, if you want a physical-casino experience, you can get it by playing live baccarat games. These live games allow you to interact with the dealer and other players.

Top Baccarat Tips For Beginners

Although baccarat is simple to play, utilizing some tips and acquainting yourself with certain plays and actions can increase your chances of winning. Below are some tips beginners can use to develop their knowledge and playing strategy:

1. Ignore the tie bet

Placing a tie bet on baccarat is considered a poor choice. Experience bettors regard it as the worst type of bet you can place on baccarat. The payout for this bet is lucrative and can be very tempting to beginners. However, the probability of winning this bet is very small as the house edge of this bet is high. We recommend sticking to the banker or the player bet because their house edge is lower.

2. Bet on the banker

There are three betting options on the standard baccarat game: the banker, the player, and a tie bet. The banker is your best option out of these three as it has the lowest house edge. What’s more, the fact that casinos charge a 5% commission on winnings on the banker confirms this assertion.

3. Know the truth about baccarat patterns

Some bettors believe tracking the previous outcomes of a casino table can help them determine the future outcomes of the table. However, these bettors can’t substantiate this claim. The outcome of baccarat games is random, so it is almost impossible to predict the results of future games. So do not believe that tracking patterns can give you an edge when playing baccarat games.

4. Keep your plays short

When playing baccarat games, it is common to see players experience a brief winning streak followed by a losing streak that can turn into big losses. It is important to remember that it is purely a game of chance, so players can’t influence the game’s outcome. So always keep in mind that the longer you remain in a baccarat game, the more likely you will leave the table empty-handed. Therefore, we advise beginners to always keep their play short.

5. Acquaint yourself with the table before playing

Don’t assume all casino tables are the same. The rules differ from casino to casino and game to game. For example, while some casinos charge a 5% commission on wins for banker bets, others charge 10%, and some even charge as high as 25%. In addition, the payout on each type of bet varies from table to table.

6. Play only at reputable casinos

This tip is a no-brainer. You will lose your money and end up in regrets if you play baccarat at a scam casino. We recommend playing only at casinos licensed by the appropriate authority in your country or local area. If you are unsure of where to start, you can begin your journey into the baccarat world by choosing a casino from our picks for the best UK casinos.

Baccarat Bonuses

Online casinos are home to big bonuses and promotions. However, finding casinos that offer great bonuses and ongoing promotions on table games can be daunting. Our experts have researched the top UK online casinos to bring you sites that offer the best bonuses on table games, including baccarat. Please check our post on best casino bonusesbest welcome bonusesbest no deposit bonuses, or top cashback bonuses to find appealing baccarat bonuses.

Baccarat FAQ

How do I play baccarat at online casinos?

All you have to do is find a reputable casino, create an account, deposit funds, choose a baccarat game, and hit the play button.

What is the house edge for baccarat games?

The house edge for the banker, the player, and the tie bet is 1.06%, 1.24%, and 14.26%, respectively.

Do casinos charge commissions on winnings?

Casinos only charge commissions on wins for banker bets. Usually, the commission is 5%. However, it may be higher on other casinos.

Is playing baccarat online safe?

Playing online is safe if you play at a legit online casino. All the casinos we recommended at casino-faqs.com are regulated by the appropriate gambling authorities.

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