Online Baccarat - Top Casinos for UK Players

Baccarat is one of the world’s oldest casinos and most popular games, with origins in the 1400s. Its name is based on “baccara,” which is Italian for “zero,” so called because all of the tens and royal cards were worth zero.

This expert guide helps you as a UK player get started playing online baccarat for real money by showing you how to play baccarat, the various types and strategies to optimise winning odds, the best UK casino types for online baccarat, and answering the FAQs you might be worried about.

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Table of contents

🎲 How to Play Online Baccarat
😀 Basic Rules to Play
🔅 How We Rate Baccarat Online Casinos
⚖️ Baccarat: Online or Live
🧩 Types of Baccarat Games
✨ Best Winning Strategies

How to Play Online Casino Baccarat Step by Step

Most top casinos in the UK will have baccarat game options for money and to play mini baccarat online for free. You could also try baccarat online Android, as it is easy to get the hang of.

Baccarat games online are popular because it is so easy to play, and you should get the hang of it very quickly, that is why you can get all the information you need in this review. The aim of the game is to successfully guess which hand the banker’s or the player’s hand will get closest or equal to 9 points. Your hand will be worth the points you add from both cards. The steps to playing online baccarat gambling are as follows:

Select an online baccarat game on your favourite online baccarat casino provider and make a deposit.
Choose the stakes you want to play for when you play online baccarat for real money, and then hit the “deal” button to get the game started.
Choose if you want to bet on yourself, the banker, or for a tie.
Then, the hand totals are revealed. If the banker has scored 8 or 9, they won’t draw any extra cards: “stand.” However, if the player has 5 points or less, they will get a third card “hit”. If the player or the banker scores over 9, the first digit is taken, and the second is the score. For example, if the player gets 17 points, their score is 7.
Once the hand ends, you will receive the payout.
Finally, the payout will be made, and the next hand begins.

Valuation of Hands

The hand you’re betting on, as we have said, contains two cards and in order to bet properly, you need to understand the value of the hand you have. The best way to do this is to really have a good grasp on what each card counts as when you choose baccarat online casinos for UK players.

It’s best to ignore the ten, jack, queen and king because they are worth no points. The cards 2 to 9 are worth the face value of the card and the ace is worth one point. To figure out your hand, you will add the points together. If the total of your cards goes over nine, you will subtract 10.

Betting Options for Baccarat Online Casinos for UK Players

Bet Type	Odds	Payout	House Edge
Player Bet	45.86%	1:1	1.36%
Banker Bet	44.62%	1:1	1.06%
Tie	9.52%	8:1	14.4%
Player Pair	7.47%	1:1	11.25%
Perfect Pair	3.34%	25:1	17.07%
Banker Pair	7.5%	11:1	11.25%
Either Pair	14.2%	5:1	14.54%
Small	37.8%	3:2	5.27%
Big	31.8%	2:1	4.35%

Glossary of Baccarat Terms

Term	Definition
Bankroll	The total amount of money a player has available to wager on baccarat.
Burn Card	The card that is removed from the top of the deck and placed in the discard tray without being revealed. This is done to avoid card counting.
Bust	The hand value of 9 is exceeded. This means that the first digit is removed, and your hand score is based on the second digit.
Card Counting	A strategy used by some players to keep track of the relative number of high and low-value cards remaining in the deck. This helps them to gain back the house edge.
Deck Penetration	The percentage of cards dealt before the dealer shuffles the shoe again. The higher the penetration, the more likely card counting will be successful.
Double Down	The player chooses to double their bet after receiving their first two cards and then receiving an additional card.
Face Cards	Cards with pictures on them, such as the king of diamonds.
Flat Betting	Wagering the same amount on every hand. This is a very conservative strategy for playing online baccarat.
Griffin Book	Griffin Investigators’ book of suspected card counters circulated amongst casinos. This book is used to deny card counters entry.
Hard Hand	A hand in which the total value of the cards does not include an Ace.
Heads Up	Playing against the dealer with nobody else at the table. This is a faster pace and more intense gambling experience than playing on a large table.
Hit	Requesting an additional card from the dealer. This is only possible in certain circumstances.
House Edge	The advantage the casino has over the player. It is on this edge that casinos are profitable, being able to win money from players in nearly every case.
Natural	A two-card hand which totals 8 or 9 and has a high likelihood of winning. This is the best hand that you can be dealt.
Paint	A slang term for face cards.
Push	A tie between the player and the dealer. You can win from this outcome if you bet on it.
Soft Hand	A hand that contains an ace. This is very useful for drawing additional cards.
Surrender	The player chooses to forfeit half their bet before additional cards are drawn if they believe they cannot win. This limits the size of their overall loss.
Up Card	The dealer will have one card that is face up, and other players are able to win.

Basic Rules to Play Baccarat Online

main rules to play online baccarat free

Baccarat is an easy game to learn with straightforward basic rules. The rules for a baccarat game online as follows:

A 6 to 8-deck shoe is used.
The 2-9 cards all have their face value when calculating your final score.
Ten and face cards are worth zero, and aces are worth 1 point.
The suits do not mean anything in baccarat.
If your score is more than 9, you must drop the first digit.

How We Rate Baccarat Online Casinos

We have rated scores of online baccarat casinos for UK players. We use the following metrics to determine what score a casino is awarded:

Bonus offers: Bonuses are a good way for players to enjoy more baccarat with a higher bankroll. Great bonuses without strict requirements often indicate a great casino.
Selection of games and software: Players won’t get bored if they have different baccarat variations (both online and in live casino) to play on. You will get a sensational experience since great developers provide those.
Safety and security: All great casinos encrypt your data to protect your personal and banking information. The sites we recommend have encryption (126- and 256-bit), which is the most critical security step to protect players’ information.
Mobile options: Mobile compatibility allows players to enjoy baccarat on the go and have a more enjoyable gambling experience. There are lots of casinos offering baccarat online on Android and iOS devices.
Customer support: We chose sites that have 24/7 live chat support and respond quickly to any queries or issues players may have.
Banking and payouts: The sites of our choice are with the largest payout options, allowing players to find the most convenient option.

Online Baccarat: Online or Live

Pros	Cons
Live baccarat
A realistic experience.	Some live casinos do not operate 24/7.
Transparency of being able to see cards being physically dealt.	Slower pace as the cards have to be physically shuffled.
Working with professional dealers.
A variety of tables and stake options are available.
Online baccarat
Rapid gameplay.	No live interaction or social aspect.
Lower minimum bets.	Reliance on random number generators rather than seeing the cards being dealt.
The convenience of always being available.

Types of Online Baccarat Games

When you are participating in online baccarat gambling, you need to be aware of the types of online baccarat games there are to choose from. This will help you to play the best type of baccarat for the kind of player that you are. These variations are detailed in the section below:

Punto Banco

This is the most common type of baccarat. Rather than each player having their own hand, the dealer plays out 2 hands – the Punto and the Banco, and the players bet on which they think will win. Punto and Banco are both dealt at least 2 cards, and the dealer then deals more cards towards each. The winner is the first to nine or closest to nine. This type of baccarat is what the majority of this article has focussed on. Punto Banco is popular as it has one of the lower house advantages, so players have a higher chance of winning money.

Baccarat Chemin de Fer

This is a faster version of baccarat with a name meaning railway in French. This version of baccarat continues to be the most popular in France.

There are a few key differences between Chemin de fer and Punto Banco. In this version of the game, the position of the banker proceeds anti-clockwise around the table. Furthermore, the banker makes the initial bet, and players must decide whether to match the wager or place a different bet. If the total wagers are higher than the banker’s wager, then they must increase their bet or excess wagers are removed.

Baccarat Banque (or à Deux Tableaux)

In this version of baccarat, the position of banker remains until a three-deck shoe has been played through. The banker position is chosen by an auction whereby the player willing to risk the most amount of capital plays as the banker.

One unique aspect of Baccarat Banque is that more than just the 10 seated players can place bets. If the seated players don’t match the banker’s stakes, then non-seated players can place bets to make up the difference.

Best Winning Strategies for Baccarat Online for Free

Baccarat strategy guide

Every player has a preferred online baccarat strategy, and you need to find the one that works for you, the level of risk you want to play with, and your bankroll limits.

For less conservative players, the Martingale or Paroli strategy might be tempting. It involves starting with a low base bet and doubling it after each loss, then returning to the original base bet after a win. This strategy helps eliminate large losses, but be cautious as it can lead to significant losses during a losing streak.
On the other hand, conservative players often opt for flat betting. With this strategy, you set a sustainable base bet and place the same wager on every hand, regardless of outcomes. This approach requires discipline and helps you control your bankroll at a steady pace. However, some players might find it too dull, missing the excitement they seek in playing baccarat.

Online Baccarat Tips

Our experts recommend that complex strategies aren’t for everyone. Baccarat is an easy game to understand, but mastering it is a lot more complicated. Here are some tips to help you on your way.

Don’t Bet on Streaks. Baccarat is a casino game where each hand is independent from the previous one.
Set Limits. To be successful at baccarat you need to play within your limits. Set win and loss limits before you begin.
Avoid Betting on the Tie. The tie bet is statistically the worst bet to place when playing Baccarat. It also has the highest house edge and the worst odds.
Play Short Sessions. The house edge is designed to favour the casino over a prolonged period so avoid spending too long at the same time.

If you are new to baccarat, it might be best to play the game rather than get hung up executing strategies properly. Moreover, if you fail to execute them properly, it might actually increase your chances of losing. For example, card counting incorrectly may lead to you making the wrong bets.

FAQs

What Is The Definition Of Online Baccarat?

Online baccarat is the digital version of the popular casino game that first emerged in Italy during the 1400s. It is available in live and digital casinos and is operated by most major online gambling providers.

How To Win At Baccarat Online Casino?

You win online baccarat by correctly guessing the outcome of the game. Some strategies can increase your chances of winning, and it is up to the player’s preference to find the right strategy for their play style.

Where To Play Baccarat Online?

There are scores of online casinos to choose from, and there is no single answer regarding the best baccarat online casino. However, it is important that you choose the right casino for you. All casinos should be fully licensed and regulated and have proper safety and security measures. But you can find a casino with games and bonuses suited to your specific needs.

What Are The Chances Of Winning In Baccarat?

The exact chances of winning in baccarat and house edge depend heavily on your chosen strategy and bet options. However, if you play perfectly, the general house edge is 1.06%. This means that if you play over an extended period, your bankroll will gradually be diminished.

Which Bet Option Is Considered The Most Favourable In Baccarat?

The best bet option to have the maximum chance of winning is to bet on the banker. By betting on the banker, you can access the 1.06% house edge and improve your chances of winning. Other bet options may be more exciting. For example, betting on a tie has a great payout. However, it is unlikely that you will win doing this, and you will suffer from a larger house edge.

Can Card Counting Be Applied In Baccarat?

Card counting is generally less effective when playing baccarat online real money than in blackjack, where it was popularised. This is because of the multiple decks used and the fact that cards are shuffled frequently. However, as the deck penetration increases, card counting becomes more effective. Therefore, some players do use card counting to great effect.

Is It Possible To Play Baccarat Online Without Placing Real-Money Bets?

Lots of UK casinos will offer baccarat demos and pretend money games, so you don’t have to play baccarat online for money. This is the best way to play free online baccarat. This lets you figure out your favourite baccarat strategy without burning your bankroll. Most players will benefit from a few hours of playing online baccarat free before they commit their real money to baccarat.

Are Baccarat Games In The UK Licensed And Legally Regulated?

For baccarat online casino games to be legal in the UK, the casino must be licenced by the UK Gambling Commission, which checks a provider’s fairness, anti-money laundering, social responsibility, and responsible gambling measures. Ensure any online casino you select has this licence so you know they’re legal.

Is It Possible To Play Baccarat On A Mobile Device?

All the best UK casino sites for online baccarat have mobile compatibility and have baccarat options for players. If this is important to you, make sure that you research the casino properly before you start playing baccarat online so that you don’t get stuck in a casino where you can’t play on your mobile device.

How Are Card Values Determined In The Game Of Baccarat?

Each card has a unique value in baccarat, making up the final score. Aces have a value of 1, and cards 2-9 are worth their face value. Finally, tens and face cards are worth 0.

Do The Suits Of The Cards Matter In Baccarat?

The suits do not affect anything in baccarat. The only thing that matters is the numerical value of the cards. If you get a flush of cards of the same suit, you get no benefit.

What Is The Typical Number Of Players At A Baccarat Table?

The typical number of players at a baccarat table depends entirely on the restrictions of the casino. However, these restrictions do not apply to online casinos, and you can theoretically play with an unlimited number of players.

Will I Be Required To Pay Taxes On My Baccarat Winnings?

The taxable nature of gambling winnings depends entirely on the jurisdiction that you are in. However, these are not usually taxed in the UK.

How Many Players Can Be Accommodated At A Baccarat Table?

A maximum of 14 players can be accommodated at a traditional baccarat table, with a typical minimum of 7 players. This varies greatly depending on each casino’s specific rules. However, please note that these restrictions don’t apply to online gambling. If you are playing in a digital casino, it is just yourself against the computer.