Which Online Casino Can You Play Baccarat Live At?

Baccarat is a popular casino game which can be found at several online casinos. There are a number of different Baccarat variations available with Punto Banco being the simplest and the most widely played by far.

Baccarat is a game which, although popular, isn’t understood by many compared to other casino games such as Blackjack or Roulette, yet it is a simple game which requires no skill from the player.

We’ve put together this guide to help you understand how Baccarat works, the rules of Baccarat, basic Baccarat strategy and which online casinos you can play Baccarat Live at.

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How To Play Baccarat

In a game of Baccarat, two hands are dealt, each containing two cards. One to ‘The Player’ and one to ‘The Banker’. The main objective of Baccarat is to guess which of the two hands will have a combined value closest to 9.

Each card in Baccarat is assigned a value.

  • Aces: 1 point
  • Number Cards (2-9): Their own value
  • 10’s & Face Cards: 0 points

Two cards are dealt to both The Player and The Banker and the values of those cards are combined to determine the winning hand which is the one with the value closest to 9.

If the total of a hand results in a double-digit number (10 or higher), the second number is deemed the value of the hand. You can also achieve the same result by subtracting 10 from the combined value.

For example, if The Players two cards are a Jack and a 7, the total would be 17 and so the hand value would be 7.

If The Players two cards are a pair of 5s, the total would be 10 and so the hand value would be 0.

live baccarat game

Baccarat Rules

The above explains the basic play of Baccarat but there are a few additional rules.

  1. If either The Player or The Bankers cards total 8 or 9, this is considered a ‘natural’ and that hand automatically wins.
  2. If The Players hand and The Bankers hand total the same amount, it is considered a TIE and neither hand wins.
  3. If neither The Players nor The Bankers cards total 8 or 9, the rules (shown below) will determine whether a third card is drawn. If a third card is drawn, the totals will be recalculated and the winner will be the hand which is closest to 9.
Bacarrat Rules
The Player
Cards Total
1-2-3-4-5-10Draws a card
6-7Stands
8-9Natural (Banker cannot draw)
The Banker
When Bankers First Two Cards Total:Banker Draws When Player's Third Card Is:Banker Stands When Player's Third Card Is:
31-2-3-4-5-6-7-9-108
42-3-4-5-6-71-8-9-10
54-5-6-71-2-3-8-9-10
66-71-2-3-4-5-8-9-10
7StandsStands
8-9Natural (Player cannot draw)Natural (Player cannot draw)
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Baccarat Payouts

The main bet in Baccarat is betting on either The Player, The Banker or a TIE.

If you bet on The Player, the payout is even-money.

If you bet on The Banker, the payout is 0.95 / 1 (even-money with a 5% commission).

For example, if you bet £10 on The Player and that hand won, you would receive back £20.

If you bet £10 on The Banker and that hand won, you would receive back £19.50.

If you bet on a TIE and both The Bankers and The Players cards total the same value, your bet will be paid out at 8/1.

Payout Summary

  • A winning bet on The Player: 1/1
  • A winning bet on The Banker: 0.95/1
  • A winning bet on a TIE: 8/1

What Is The Baccarat House Edge?

Now that we know how Baccarat works and what the available betting options are, let’s take a look at the House Edge for each of them to determine which are the best bets to place.

First, let’s take a look at the house edge for The Player bet.

The Player bet in Baccarat has a house edge of 1.24% which is relatively low compared to many other popular casino games.

The Banker bet in Baccarat, despite having a slightly lower payout, has a house edge of 1.06%.

Betting on a TIE in Baccarat is generally a very bad bet as the House Edge is an alarming 14.36%.

House Edge Summary

  • Betting on The Player: House Edge = 1.24%
  • Betting on The Banker: House Edge = 1.06%
  • Betting on a TIE: House Edge = 14.36%

Therefore, the bet which gives you the best chance of making a profit from Baccarat is betting on The Banker.

Live Baccarat

Baccarat is a popular game in land-based casinos but many online casinos which provide a live games section also feature Baccarat. Playing Baccarat online at a Live Casino means that you’ll be playing at a real table with other players and a real-life dealer.

There are a few live casino developers which provide live Baccarat with the most common being Evolution Gaming and Playtech whos games are widely available at numerous online casinos.

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Evolution Live Baccarat

  • 8 decks used in each shoe
  • New shoes do not start with a burn card
  • Player & Banker Pair side bets available
  • Player & Banker bonus side bets available
  • Player bets pay 1:1
  • Banker bets pay 0.95:1
  • Ties pay 8:1

Playtech Live Baccarat

  • 8 decks used in each shoe
  • New shoes start with a burn card
  • Player & Banker Pair side bets available
  • Big/Small side bets available
  • Egalite side bet available
  • Bets on anything other than a tie are returned if the game is a tie

Baccarat Side Bets

As well as betting on The Player, The Banker or a Tie, some Baccarat tables offer side bets. The side bets which are available will depend on the game provider of the Baccarat table.

Pair Side Bets

There are a number of Pair side bets available which can be placed either on The Players or The Bankers hand and it applies to the first two cards dealt.

Pair Side Bet Payouts

  • Player Pair: 11:1
  • Banker Pair: 11:1
  • Perfect Pair: 25:1
  • Either Pair: 5:1

Big/Small Side Bets

Another side bet option is betting on Big or Small and applies to the total number of cards which are dealt to both the player and the banker.

Big/Small Side Bet Payouts

  • Big: 0.54:1
  • Small: 1.5:1

Bonus Side Bets

Bonus side bets can be placed on either The Player or The Banker. A Bonus side bet pays out when either the player or the banker (whichever you bet on) wins the round with a natural 8 or 9 or by at least four points.

Bonus side bets are available at Evolution Baccarat tables.

  • Non-natural hand winning by 9 points: 30:1
  • Non-natural hand winning by 8 points: 10:1
  • Non-natural hand winning by 7 points: 6:1
  • Non-natural hand winning by 6 points: 4:1
  • Non-natural hand winning by 5 points: 2:1
  • Non-natural hand winning by 4 points: 1:1
  • Natural win: 1:1
  • Natural tie: Push

Bonus Side Bet RTP

  • Player/Banker Pair: 89.64%
  • Perfect Pair: 91.95%
  • Either Pair: 86.29%
  • Player Bonus: 97.35%
  • Banker Bonus: 90.63%

Egalite Side Bets

Egalite side bets only apply when the game is a Tie and you are betting on the value of the players and the bankers cards.

For example, if you placed a bet on Egalite 3 and both the players and the dealers cards totalled 3, your bet would win at odds of 200/1.

  • Egalite 0: 150:1
  • Egalite 1: 215:1
  • Egalite 2: 220:1
  • Egalite 3: 200:1
  • Egalite 4: 120:1
  • Egalite 5: 110:1
  • Egalite 6: 45:1
  • Egalite 7: 45:1
  • Egalite 8: 80:1
  • Egalite 9: 80:1

Egalite side bets are available at Playtech Baccarat tables.

Where To Play Live Baccarat Online

Many online casinos now have a live casino section and the majority of these feature Live Baccarat.

The rules of Baccarat will remain the same across all standard tables but if you wish to place specific side bets, then you want to make sure that you’re playing at the correct table in terms of Evolution Gaming or Playtech.

Evolution Gaming Baccarat tables allow you to bet on Bonus Side Bets whereas Playtech Tables have the Egalite Side Bet option.

Evolution Baccarat Casinos

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Playtech Baccarat Casinos

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