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Online Baccarat
On first glance, baccarat might seem like an easy game to play, but there is a lot that goes into playing baccarat effectively besides just knowing your Player, Banker, and Tie options. This article aims to teach the reader everything about the workings of baccarat – how the game is played, how the scores determine the rounds, which bets have the lowest house edge, and why the Banker is still the way to go. This article also sheds light on the various types of baccarat bonuses, how one can make sure that the offer they receive is legitimate, which variations are most important, and the differences between live, mobile, and online casino baccarat games.
List of Top Baccarat Sites:
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100% Bonus
Up to 10000 PHP + Free Spins 
Payout
Instant
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100% Bonus
Up to ₱8888
Payout
Instant
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100% Bonus
Payout
Instant
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200% Bonus
Up to 1000 USD
Payout
Instant
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200% Bonus
Up to 28000 PHP + 150 Free Spins |
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100% Bonus
Up to 1500 EURO + 150 Free Spins |
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50% Bonus
Up to 20500 PHP + 30 Free Spins |
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288% Bonus
Up to ₱28880 + 180 Free Spin |
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100% Bonus
Up to 90000 PHP + 150 Free Spin |
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200% Bonus
Up to 30000 PHP |
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100% Bonus
Up to 30000 PHP + 50 Free Spins |
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100% Bonus
Up to 13000 PHP + 170 Free Spins |
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100% Bonus
Up to 25000 PHP |
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100% Bonus
Up to 25000 PHP + 75 Free Spins |
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Objective of the baccarat game
Your task is to determine whose of the two hands—the Player's or the Banker's—has closer value to 9. As opposed to poker and blackjack, you are not supposed to win money from the casino but to bet on which hand will win—the Player's or the Banker's or whether there will be a tie.
- Player bet – pays 1:1
- Banker bet – pays 1:1 (banker commission 5%)
- Tie bet – pays 8:1 (both hands have the same total)
Odds and casino edge (approximations)
- Banker bet: 1.06%
- Player bet: 1.24%
- Tie bet: 14%
The Player and the Banker bets provide nearly even odds (almost 50/50). The only statistical disadvantage you face here is the casino edge.
Top 3 Baccarat Online Casinos for PH
There are plenty of places to play real money online baccarat, so it can be challenging to find one that meets your playing preferences. Some players are beginners looking to learn the game, while others want advanced options like live tables, VIP programs, and extensive promos.
BK8 – Best Site for Playing Baccarat Overall (PAGCOR licensed)
Baccarat players will have two main regular variants to check out at BK8. They have more or less the same setup, just different designs. We were delighted with the bet size range, beginning at just ₱50 and going up to high limits. This means all types of players are taken care of.
If you want a very authentic baccarat playing experience, then the BK8 live dealer section offers you the chance to play Live Baccarat and other popular variants.
Naturally, BK8 has plenty of other great games for you to check out, too. This includes dozens of slots games, online poker, and all sorts of fun table games.
BC.GAME – Best Bonuses of any Baccarat Online Site for PH
As part of the wide-ranging table game section at BC.GAME, you’ll come across a couple of standard baccarat variants. They are highly popular choices for players on the platform thanks to their tiny house edge.
You’ll also be treated to multiple different live dealer baccarat options. These tables are playable around the clock and have a number of different bet size ranges to choose between.
You’ve plenty of other games to keep you busy. Over hundreds of slots are playable, as well as many table games. Also, a few of the jackpot slots carry big pots for you to potentially win.
WinZir – Best Baccarat Online Casino for High Rollers (PAGCOR licensed)
With a strong selection of different games, you’ll have no shortage of options when you sign up for a WinZir account. While most of these games are slots titles, you also have plenty of fun table games, including baccarat options.
You have a few different baccarat options to dip your toes in, including live variants and No Commission Baccarat. There are also classic baccarat games.
While the live dealer baccarat games don’t have the smallest minimum stake size, they will be ideal for high rollers. You’ll have a choice of different table limits suitable for bigger bets.
How to claim baccarat casino bonuses
Claiming and withdrawing from a baccarat casino online bonus is typically straightforward, though you should always read the terms and conditions thoroughly first to get a sense of what’s required.
Following the steps below, you should be able to choose and claim your bonus and begin working your way towards withdrawing from the bonus by fulfilling any wagering and contribution requirements attached.
Step 1. Choose a baccarat casino bonus from our recommended casinos list.
Step 2. Read the terms and conditions of the baccarat bonus to understand the rules and eligibility.
Step 3. Sign up for your casino account, using a promo code where required to opt in for the welcome bonus.
Step 4. Make any minimum deposit required to trigger the bonus offer. Be mindful of any deposit methods required or excluded, in line with the bonus terms.
Step 5. Make any minimum wagers to trigger your free bonus.
Step 6. Wait for your bonus to be credited to your account.
Step 7. Get started on your wagering requirements, factoring in any contribution rules around baccarat play
How to play baccarat
A round of baccarat starts with betting, where players choose to bet on the player’s hand or the banker’s hand. A third ‘Tie’ option is available, where you’re betting on both hands coming in at an equal score.
Two hands are dealt: a player’s hand and a banker’s hand. Two cards are dealt face up for each hand to give a points value. Cards from 2-9 are scored at their numerical value, while aces are worth 1 point. Face cards are scored at 0. Where the hand value exceeds 9, you drop the first digit of the hand to get the true score – so an 8 and a 9 in one hand is actually worth 7 points (8 + 9 = 17, but drop the first digit to get to the true score).
If either hand is worth 8 or 9 when dealt, it’s an automatic stand. If the player’s hand is 5 or lower, another card is drawn – or in some variations, they can choose to stand. When the player stands, the banker will draw on any hand worth 5 or less to get to their final score.
Essentially, the dealer is doing all the work here – all you have to do is bet on the hand you think is going to win. When commission is involved, a banker bet pays out at 95 per cent of your stake, while a player bet pays out at 1:1.
Baccarat tips and tricks
Know your rules: There’s no substitute for understanding the ins and outs of baccarat rules. Knowing how it all works, including the betting side, will make life much easier once you’re in the thick of the action, while helping you avoid making unwise bets.
Fewer decks is better: Look for baccarat games running with fewer decks. The lower the number of decks, the slimmer the overall house edge and the better your chances of winning over the long term.
Learn optimal betting strategy: There are hard and fast rules for betting on baccarat that give you a statistical advantage over uninformed players. Learn the optimal betting strategies on different hands to put yourself in the best position.
Watch out for commission: Some winning bets will be subject to a commission in some games, which can be as high as 5 per cent. Keep an eye out for commission in your baccarat games, as this will impact the maths behind how you bet and play.
Play the house edge: Always aim to reduce the house edge as much as you can. A lower house edge is better when you’re playing a game like baccarat, giving the casino the slimmest possible advantage over you at the start of every hand.
Baccarat variations
Baccarat comes in multiple different variations. Decent online baccarat casinos will support one or more of the following variants on standard baccarat, all of which have slightly different rules and different betting outcomes for you to consider.
Punto banco
One of the most popular variants of the game, punto banco closely resembles standard baccarat. The game is played across six decks, with up to 12 players being dealt in each round. Bets are available on player, banker and tie, with standard baccarat payouts. The slimmest of house edges is to be found in betting on the banker’s hand, coming in at just 1.06 per cent.
Chemin de fer
Very similar to standard baccarat, except players bet one at a time and against each other. Players take turns to become the banker, where they are allowed to set aside a maximum bet that they want to stake on the hand. Other players can match that bet by calling ‘banco’, similar to a call in poker. Otherwise, the game plays in much the same way as standard baccarat.
Baccarat banque
Another variant of baccarat with a moveable banker, in baccarat banque the banker is nominated at the beginning of each hand – often it will be the last player to join or the one who has wagered the highest sum on the preceding hand. However, the casino still retains the bank, unlike in chemin de fer, where this truly passes around the table.
Mini baccarat
A faster-paced alternative to the real thing, mini baccarat shares many of the same qualities as the standard game. You will usually find mini baccarat played with smaller stakes too, making it the ideal option for new baccarat players.
European baccarat
European baccarat introduces an element of choice at a hand value of 5, where players can choose to stand or draw. The total betting in each round is also capped at the banker’s stand bet – such that the total of all player bets cannot be higher than the banker’s wager. When the total bets on the table equal the banker bet, no more bets are accepted.
