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Online Baccarat for Australians

Thu, Apr 14, 10:35am by Charlotte Lee

Last Updated Tue, Oct 8, 12:58am

Online baccarat is the fastest-growing game on the Internet. What once was in the VIP section of land-based casinos is now available in online, mobile, and live dealer formats. Baccarat provides the best odds of any game which doesn’t require a bunch of study and memorization, so westerners are catching on to the appeal.

Meanwhile, the Asian online casino industry is growing fastest of all and Asian gamblers prefer baccarat to any other casino game. Our guide to online baccarat provides tips on how to play baccarat on the Internet for real money or entertainment. This page includes several strategy suggestions, along with full information on baccarat’s odds, payouts, and house edge. We even provide an online baccarat FAQ section for those with additional questions.

Live Dealer Baccarat for Australians

If you’re sceptical about gambling online there is another option that might sway you over to a virtual casino – live dealers. Australian Live dealer baccarat is available for all real money players – see the cards being dealt by a very attractive female. Read more about live baccarat here.

Because of the simplicity of baccarat, much of the excitement is generated from the huge amounts being spent on the tables and the crowd of people that is often watching the game. While it is hard to bring that atmosphere to a game operated by a Random Number Generator, live dealer baccarat has managed to bring some of the atmosphere you would find in a bricks and mortar casino to their virtual counterparts.

The obvious positive to playing baccarat with a live dealer is that you can see the dealer distributing the cards so it gives you peace of mind that you are being treated fairly. You can also interact with the dealer. Most live dealer games give you the option of changing the video quality and the size of the window that you’re playing in.

Generally, you will also be able to customiseyour layout, meaning you can have all of the information like recent hand history right there in front of you.

Online Baccarat Overview

The object of baccarat is to predict which of two hands – the player or banker – will have a higher score, or if the hand will end in a tie. Before the cards are dealt the player places a bet on Player, Banker or on the hands being a Tie.

After all players have made their bets, the dealer will give two cards each to the banker and player hands. Hands are scored by adding up the value of each card in the hand. Tens and face cards are scored as 0, aces are worth 1, and other cards are worth their rank (for instance, a six is worth 6).

The value of a hand cannot exceed 9; only the last digit in a score counts. This means that a hand of 14 is worth 4 points. The highest possible hand is a 9, while the lowest is a 0.

How Do You Play Baccarat?

Depending on the scores of the two hands, one or both hands may end up taking a third card. The following rules are used to determine whether this occurs:

  • If either hand is an 8 or 9, then neither hand receives any more cards, and the hand is immediately over. This rule takes precedence over all other rules.
  • If the player’s hand has a value of 5 or less, then the player will receive a third card. If the player has 6 or more, the player stands.
  • If the player stands, then the dealer will follow the player rule: taking a card with 5 or less, and standing with 6 or more.
  • If the player hits, the banker will choose whether or not to take a third card depending on a combination of the banker’s score and the player’s third card (a holdover from an older version of baccarat where only the player’s third card would be face up).

Baccarat Banker Rules

The banker uses the following rules in this situation:

  • If the banker has a hand of 2 or less, the banker will always hit.
  • If the banker has a hand of 3, the banker will hit unless the player’s third card was an 8.
  • If the banker has a hand of 4, the banker will hit if the player’s third card was between a 2 and a 7.
  • If the banker has a hand of 5, the banker will hit if the player’s third card was between a 4 and a 7.
  • If the banker has a hand of 6, the banker will hit if the player’s third card was a 6 or 7.
  • If the banker has a hand of 7, the banker will always stand.

After any third cards have been dealt, the scores of the two hands are compared. The higher hand wins; if the two hands have the same score, the tie bet wins, while both banker and player bets push. Winning player bets are paid even money. Winning banker bets win even money minus a 5% commission; in other words, a $20 bet would win $19. In most casinos, tie bets win 8-1, though 9-1 odds are sometimes offered instead.

How to Play Baccarat for Free

Online casinos have free baccarat in the “practice mode” version of their casino. When you click on an individual game, most online casinos have a “Real Money” or “Practice” version of their game offered. This is a promotional tool used by casinos to familiarize players with their software. Click on practice and play for free.

6 Easy Steps to Play Real Money Baccarat Online

Playing baccarat for real money is not much more complicated. In many cases, you simply click on the “Real Money” version of a game. An easier way is to download the casino software, then click on baccarat in the casino lobby to begin playing. Here’s a quick guide to playing baccarat online.

  1. Play Now: Go to a casino’s homepage. Click on “Download”, “Play Now”, or “Instant Casino”.
  2. Log In: Sign in to your player account. If you don’t have an account, register for an account.
  3. Make a Deposit: Once signed-in, go to the cashier page or player dashboard. Click on the deposit option you prefer.
  4. Cashier Page: Verify your payment. Most sites ask a second time to verify your deposit. Accept any deposit bonuses the casino offers.
  5. Real Money Play: Play Baccarat for real money. Once you’ve funded your account, you can wager on hands of baccarat.
  6. Make a Withdrawal: Collect winnings. When you want to cash out, go to the Cashier page and click “withdraw funds”. If you accepted a bonus, wait until you match the wagering requirement to make a withdrawal.

Are There Any Baccarat Apps?

Playing baccarat on mobile is as easy as downloading a mobile gaming app at an online casino. Any legitimate mobile casinos in the year 2018 has an Android and iOS app. Simply go to an online or mobile casino, find the “Mobile”, “Android”, or “iPhone/iPad” link. Click on the proper link and start playing baccarat on your Android smartphone or tablet, iPhone, or iPad in minutes.

Beginner Strategy

When playing baccarat, basic strategy suggests you wager on the banker bet. The banker bet has a 1.06% house edge, while the player bet is 1.24%. The tie bet’s house edge ranges between 4.85% and 14.40%, so the banker bet is the best wagering proposition in the game. Betting on the banker could be called the optimal strategy. No other strategy elements exist in Punto Banco Baccarat.

Expert Strategy

Online baccarat only has a few strategies. Chemin de Fer Baccarat — a version played in European casinos, but seldom found on the Internet — has a strategy element. Otherwise, if you are playing Punto Banco, Mini-Baccarat, or Midi-Baccarat, then the only strategies involve which bets to make.

If you happen to play side bets, then it is easy to get mixed up on which bets to make. For instance, in Dragon Tail Baccarat, it is much better to wager on the player than the banker, while the opposite is true in most standard forms of baccarat. If you player Dragon Tail in a live casino, remember to bet on the player side bet.

Online Baccarat Odds

The baccarat house edge is one of the best in a casino, if you do not want to learn complicated strategy. That’s the reason many Las Vegas casinos put the traditional blackjack tables in the VIP section of their casinos. Here is a quick look at the house edge for each betting proposition in baccarat, including the casino advantage for 8-to-1 and 9-to-1 payouts on ties.

What is the House Edge in Baccarat?

  • Banker– 1.06% House Edge
  • Player – 1.24% House Edge
  • Tie: 8:1 Payout– 14.40% House Edge
  • Tie: 9:1 Payout– 4.85% House Edge

Players might want to know the probability of a win in baccarat. While the numbers are relatively close, the banker wins at slightly more than a 1% pace than the player (punto) does. The banker wins more often because the player acts first. Because the player draws a third card before the dealer does, the player is going to draw a low combination slightly more than the banker does.

Probabilities of Winning

  • Banker Win– 45.84% Probability
  • Player Win– 44.62% Probability
  • Tie – 9.54% Probability

Online Baccarat Pay Charts

Baccarat played without a side bet (punto banco) has a straightforward pay chart. The main variation is whether the tie pays 8-to-1 or 9-to-1, which is a major difference. If the tie pays 8:1, then betting on the tie proposition is a sucker bet. The odds for a tie with a 9:1 is still worse than a banker or player bet, but players who like big payouts can pay a 4.85% house edge to play with a bigger payout.

Both land-based and online baccarat has several side bets. In live dealer baccarat, the “Dragon Bonus” side bet is common. You’ll find a game called “Dragon Tail” in many live dealer casinos. Dragon Tail is mini-baccarat played with the Dragon Bonus side bet.

Punto Banco Pay Chart

  • Banker Wins– 1:1 Payout
  • Player Wins– 1:1 Payout
  • Tie– 8:1 or 9:1 Payout

Side Bet Payout Chart

Whether you place a bet on the player win or the banker win, the payout chart below is used in Dragon Tail Baccarat. The house edge on the Dragon Bonus player bet is 2.65%, while the house edge on the banker Dragon Bonus is 9.37%. Bettors should note that the player bet is better than the banker bet when playing the Dragon Bonus side bet. The reason for the difference in house edge’s is player draws a third card first, while the banker sometimes does not draw a third card when the hand is won (but not by a wide margin).

Dragon Bonus Payout Chart

Win – Payout
  • By 9– 30:1
  • By 8– 10:1
  • By 7– 6:1
  • By 6– 4:1
  • By 5– 2:1
  • By 4– 1:1
  • Win– 1:1
  • Tie – Push
  • Loss – Lose the Bet

The History of Baccarat

The word ‘baccarat’ is an Italian word meaning ‘zero’. This is referring to the fact that all tens, jack, queens and kings have a value of zero.

The game is first documented in history as early as the 1400s and has made its way into pop culture through the likes of French nobility, James Bond movies (watch above) and most recently through a baccarat boom in Asia.

There have been three versions of the game that have remained popular. These are Baccarat Chemin de Fer, Baccarat Banquet, and Punto Banco. These three version are similar, but have slight variances in the dealing of the cards. Online casinos have what are called ‘mini baccarat tables’ in Las Vegas, because the online baccarat RNG deals the cards. Also, online baccarat usually has lower limits than the traditional high roller tables at land-based casinos.

Online Baccarat FAQ

New baccarat players often have questions. In the space below, we answer a variety of live and online baccarat questions beginners might have.

Do you recommend live dealer baccarat?

Live dealer baccarat is popular on the Internet, because it combines the social interaction of brick-and-mortar baccarat with the ease and convenience of online baccarat. If you don’t like random number generators and simulated baccarat graphics, then you should try live baccarat online. The game plays like Mini-Baccarat. Real life baccarat dealers deal real cards on a real-life baccarat table. Cameras film the game from several angles, then streams it live to your computer screen in real-time.

Is online baccarat random? Is online baccarat trustworthy?

Online baccarat uses a random number generator (RNG) to produce results. Name brand online casino and mobile casino software produces reliable, trustworthy, and random results. Baccarat has a house edge, so a legitimate operator depends on the mathematical advantage to make a profit.

The more players they can sign up and the more hands those gamblers play, the more likely the online casino will make a profit. If a casino’s RNG was unfair, it would be noticed and the site’s reputation would be ruined. This would cost the casino money in the long run. Enlightened self-interest thus assures that RNGs are fair and honest, if you choose a legit online casino with a known reputation.

What’s the difference in baccarat and mini-baccarat?

Traditional Punto Banco Baccarat allows one of the players to act as the banker, who deals cards to the various players. Mini-baccarat has a house dealer who deals cards, though players can bet on the banker, player, or tie propositions. The odds are the same on both games. Because player-dealt baccarat goes slower and dealer-dealt baccarat goes faster, Mini-Baccarat exposes players to the house edge more times per hour. Thus, a player would be expected to spend more money per hour on Mini-Baccarat than standard Punto Banco Baccarat.

Why do baccarat players bend cards?

Baccarat players sometimes bend cards for superstitious reasons. It’s not advisable, because it becomes a kind of habit or ritual you must perform and it does nothing for you. Also, some casinos frown on the practice.

Should I play baccarat or roulette?

If you are choosing based on the house edge, play baccarat. The banker bet has a 1.06% house edge, while the best version of roulette (European Roulette) has a 2.70% house edge.

Should I play baccarat or blackjack?

The choice between baccarat or blackjack depends on your gaming preferences. Classic Blackjack has a better theoretical house edge of around 0.50%, but to get that house edge you have to master basic strategy and play optimal blackjack. Many players can’t do that or don’t want to do that, so the real house edge is higher. Baccarat players who make the banker bet receive a 1.06% house edge without learning memorization or studying strategies. If you prefer a game without a ton of strategy, baccarat is as good as it gets.

Should I play baccarat or craps?

Baccarat and craps have comparable house edges. Baccarat’s player bet is 1.24%, which is slightly better than the best bet in craps (1.35%). The banker bet is even better, though players can take the odds in craps to reduce the effective house edge on the basic bets. The two are comparable, so the question is whether you want to bet on cards or dice.