Playing Online Baccarat for Free or Real Money

Casino Expert and Editor-in-Chief
Whether you’re looking to play for fun or aiming to win real money, our resources will help you to the top places to experience the thrill of Baccarat online.
Our Top Picks of Casinos When Playing Baccarat
Neospin, Playfina, and Instant casinos are some of our top favorites when playing online baccarat. When looking to play baccarat for free, the ideal casinos are those that offer demo modes, a wide selection of baccarat variants, and easy access without requiring a deposit.
Neospin Casino
Neospin stands out for its vast game library, offering over 6,000 titles including a strong selection of baccarat and live dealer games. The site is praised for its user-friendly design, fast withdrawals, and a generous welcome bonus up to AU$10,000 plus 100 free spins. Players appreciate the mobile-friendly interface, versatile payment options (including crypto), and attentive VIP support. While some transactions may incur fees and customer support response can be slow at times, Neospin’s reliability and robust loyalty program make it a top pick for Australian players seeking a premium real money baccarat experience.
Playfina Casino
Playfina has a strong reputation among baccarat players for its fairness, game variety and rewarding promotions. They impress with 11,000 games from 85 providers, including 19 live baccarat tables and a dedicated live casino section. They are also known for their generous bonuses, regular tournaments with huge prize pools and fast crypto payouts.
Instant Casino
Instant Casino is a strong choice for baccarat players seeking variety and fast-play features and withdrawals. The casino offers over 3,000 games from 44 developers, including high-quality live baccarat options with professional dealers. The platform is optimized for both desktop and mobile, features instant crypto withdrawals, and boasts a 200% match bonus plus weekly cashback.
Online Baccarat Bonuses
Playing Online Baccarat is better for most modern players because the chances of winning are statistically higher. Moreover, you can play baccarat online with bonuses. These bonuses are set up to keep you playing on a given website. They keep you enticed and active by encouraging your bank account. You sign up to play the game with a given website and they give you a welcome bonus in the form of a match bonus, most of the time. This match bonus is, as the name suggests, a matching fund for your first deposit.
Quick Guide to Play Online Baccarat
If you want to play this French game, click here to find the best online casinos to do so.
Baccarat is a popular card game often played in casinos. It's a relatively simple game with straightforward rules. Here's a basic overview of how to play baccarat:
Objective: The objective of baccarat is to bet on the outcome of a two-card hand, one belonging to the "Player" and the other to the "Banker," with the goal of predicting which hand will have a total value closest to 9.
Card Values:
- Number cards (2-9): Their face value.
- 10s and face cards (King, Queen, Jack): Worth 0 points.
- Aces: Worth 1 point.
Gameplay:
- Place Your Bet: Before the cards are dealt, you need to place your bet on one of three possible outcomes: "Player" win, "Banker" win, or a tie ("Tie").
- Dealing the Cards: Two cards are dealt face up for both the "Player" and the "Banker." In some cases, a third card might be drawn based on specific rules (see below).
- Calculating the Total: The total value of the hand is calculated by adding the values of the two cards. If the total is greater than 9, only the last digit is considered. For example, if you have a 7 and a 6, the total is 13, but it's counted as 3.
- Determining the Winner: The hand with a total value closest to 9 wins. If the "Player" hand wins, "Player" bets are paid 1:1, "Banker" bets lose, and tie bets lose. If the "Banker" hand wins, "Banker" bets are paid 1:1, "Player" bets lose, and tie bets lose. In case of a tie, tie bets win, typically paying 8:1 or 9:1.
Drawing a Third Card (Optional): Whether a third card is drawn is determined by a set of rules that don't involve player decisions. The rules for drawing a third card vary based on the initial hand values of the "Player" and "Banker" and are typically as follows:
- If either the "Player" or "Banker" has a total of 8 or 9 (a "natural"), no more cards are drawn.
- If the "Player" has a total of 0-5, they draw a third card.
- If the "Player" stands (6 or 7), the "Banker" draws a third card if they have 0-5 and stands if they have 6 or 7.
These rules can seem complicated, but they are automated and followed by the dealer in live casino games.
Tips:
- Baccarat is a game of chance, so there's no strategy that guarantees winning.
- Keep in mind that the house usually takes a commission (5%) on "Banker" bets, which affects the payout odds.
So, how do you win?
Well, you get a natural score of 8 or 9 from the first two cards you receive. This is an immediate win. The game can go quickly if you win this quickly. If neither you nor the dealer has a natural score of 8 or 9, then you go another round. You can choose to hit or stand similarly to playing poker. If your hand total is 9 or more, you can stick with it.
The cards are added up by value to create a score. Any card which is above 9 gets counted as a zero. Naturally, those which are one to nine get to keep their numerical value no matter the suit. This total represents the number for your final score. Your final score is compared to the final score of the dealer. When the total amount is more than 10, then the unit section for your final number is indicative of your score. If, for example, you have a total hand of 13, the 1 is dropped and your total hand is 3.
However, if your total is between zero and give, you have to draw again. The dealer will draw again contingent upon the new score you have as the player. You can draw up to three cards during a single game. In the end, whoever has a number closest to 9 is the winner. It is impossible in this game for you or the banker to go bust. However, if you tie, it is considered a draw.
You can keep track of the payout percentages that various casinos pay for games: