Online Baccarat: The Virtual Card Game

At Jackpot City our selection of online casino games includes various incarnations of the beloved card game, baccarat.

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Online Baccarat Variations

Each version of baccarat online delivers a thrilling gaming experience by catering to different playing styles and personal preferences.

  • Punto Banco: A popular online baccarat version with simple rules – you bet on whether the player or the banker will have a better hand or if it will be a tie. All cards are handled by the dealer, so players don’t have input regarding card draws.
  • Chemin de Fer: A classic French variant of baccarat online, allowing players to take turns being the banker. Decision-making control such as drawing an extra card or standing, introduces an element of skill to the game.
  • Baccarat Banque: Resembling Chemin de Fer but with a more permanent banker role, where one player serves as the banker throughout the entire game. The banker's decisions, like drawing a third card, depend on their hand's total value.
  • Mini Baccarat: A streamlined version of the traditional baccarat casino game online, like Punto Banco but with lower betting limits and a smaller table. The dealer manages all cards, ensuring a quicker pace and making the game more accessible if you’re a casual player.
  • Live Baccarat: Following Punto Banco rules, this version is broadcast in real time, offering you the chance to interact with a professional dealer and other players through a chat feature. This creates an authentic casino atmosphere whether you play live baccarat on PC or mobile.


Online Baccarat Strategies And Payouts

When you play baccarat online for real money, know that firstly, it’s a game of chance. With that said, there are strategies used by some players to enhance their experience – such as:

  • Martingale: After a loss, double your bet and revert to the original after a win. This online baccarat strategy requires a substantial bankroll, making it risky if you’re on a losing streak.
  • Paroli: Following a win, double your bet and return to the original after a loss. This low-risk approach capitalises on winning streaks to enhance overall profitability.
  • Fibonacci: Progress through baccarat online bets following the Fibonacci sequence (1, 1, 2, 3, 5, 8, 13, etc.), offering a more gradual bet increase compared to the Martingale system.
  • Labouchere: Allows you to customise your risk level by adjusting the sequence. Once set, bet the sum of the first and last numbers – if you win, cross out those numbers, if you lose, add the sum to the sequence.

Now let’s look at the payout potential in our online baccarat games, which include:

  • Player Bet: 1:1 (even money)
  • Banker Bet: 1:1 (minus a 5% commission in most cases)
  • Tie Bet: 8:1 or 9:1
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Online Baccarat Terminology

  • Action: The money wagered by gamblers at an online baccarat games table.
  • Natural: Achieving 8 or 9 with the initial two cards for the player or banker.
  • Stand: Player's decision not to draw more cards in a baccarat game online.
  • Hit: Player's request for an additional card.
  • Shoe: Device holding decks used in the game.
  • Punto: The player's hand in online baccarat.
  • Banco: The banker's hand.
  • Caller: Turns cards, informs about points, and deals more cards.
  • Cheval: A bet won if both players win the wager.
  • Coup: A round with one Banker and one Player hand dealt.
  • Deux Tableau: Baccarat en Banque with one banker against two player hands.
  • Down Card: A face-down card, also called a hole card in baccarat online.

A Guide To Play Baccarat Online

See below for a breakdown of online baccarat’s basic rules, bet types, card values, and odds.


  • Online baccarat is typically played with 6-8 decks of cards.
  • You can bet on the player’s hand, the banker’s hand, or a tie.
  • The dealer deals two cards to the player and the banker.
  • The hand with a total nearest to 9 wins.

Bet Types

  • Player Bet: Made on the player's hand to win.
  • Banker Bet: Made on the banker's hand to win.
  • Tie Bet: Made if you think the player and banker hands will tie.
  • Side Bets: Including Player Pair, Perfect Pair, Banker Pair, Either Pair, Small and Big, but oftentimes best to avoid as the odds are usually higher than the real payouts in baccarat online.

Card Values

  • Cards 2-9 equal their face value.
  • King, Queen, Jack and 10 have a value of 0.
  • Ace equal 1 point.


  • Player: 1.24%
  • Banker: 1.06%
  • Tie: 14.36%
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How To Find Our Online Baccarat Games

  • Log in or Sign Up: Whether you're using your desktop or mobile device, begin by logging in to your Jackpot City account or click on the “Sign Up” if you're a new player and register your account,
  • Search for your favourite game: In the casino lobby, navigate to the Tables > Baccarat tabs to browse the games or simply type in the name of your preferred online baccarat game in the search bar.
  • Select and play: Once you've chosen a baccarat title, the final step is straightforward. Decide on your desired bet amount, then click "Deal" to start the game and play.

Online Baccarat On Mobile

You can play baccarat online for real money directly from our website via your preferred mobile browser. Or you can enjoy the convenience of a casino app by installing Jackpot City on your iOS or Android device. Either way, our online baccarat games look and sound as good on tablet and smartphone as they do on desktop. That’s because they’ve been fully optimised for mobile play without any comprise in quality, regardless of your screen size.


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Online Baccarat Frequently Asked Questions

How is online baccarat played?

When you play a baccarat game online it usually involves a six-deck or eight-deck shoe. The game begins with two primary hands: the Player's hand and the Banker's hand. Before the cards are distributed, you can place bets on either the Player's hand, the Banker's hand, or opt for a Tie.

Is playing baccarat online like flipping a coin?

Mostly yes. The game shares similarities with a coin toss, with the Banker side holding a slight edge due to drawing cards last. However, the presence of tie outcomes adds a layer of complexity to the odds.

Can I bet on Player and Banker at the same time?

Yes, it’s a strategy known as "hedging." The purpose is to diversify your online baccarat bets and reduce the risk of potential losses. It's important to be aware that casinos typically impose a commission on Banker wins, so this factor should be taken into account when formulating your overall betting strategy.

What is the difference between online baccarat and land-based casino baccarat?

The fundamental rules remain consistent, however, several distinctions exist between the two formats. Notably, online baccarat lacks the physical presence of a dealer and tangible cards, relying on random number generators (RNGs) to determine outcomes.

Are there different types of online baccarat I can play?

Yes. The most common include Chemin de Fer, Punto Banco, and Baccarat Banque. The rules and betting options may vary slightly between these variations.

What is baccarat commission vs non-commission?

In traditional online baccarat, a commission is typically imposed on Banker wins, usually at a rate of around 5%. This commission is applied because the Banker bet carries a slightly higher likelihood of winning. In games like No Commission Baccarat, players are not required to pay a commission on Banker wins. Nevertheless, to offset this absence of commission, the payout for Banker wins may be adjusted accordingly in these versions.

What strategies work in baccarat online?

Online baccarat is primarily a game of chance, so no strategy can ensure consistent wins. However, some players may opt for betting systems such as the Martingale or Paroli systems. It's essential to acknowledge that these strategies have inherent limitations, and there is always a risk of financial losses. Our recommendation is to play baccarat online responsibly by always adhering to prudent bankroll management and never chasing wins or losses.
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