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Baccarat is a casino card game which has multiple variations. It's traditionally considered a high roller game, and it's also a little old-fashioned. It offers gamblers no chance to affect the odds via decision-making, but it might be a reasonably fun guessing game for a certain type of person. This page provides an introduction to the history of the game, some advice for learning how to play, and some thoughts on winning strategies.

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The History of Baccarat

Play Baccarat Games Free. The rules of Baccarat are set up in a way that the game is very easy to learn to play, and you can even achieve a respectable payout rate compared to other casino table games without having to learn any kind of real strategy if you just stick to the banker bet. However, if you want to really advance past the beginner stage and improve with expert strategies, then you'll want to get in a lot of practice in free Baccarat games.

The name of the game means 'zero' in both Italian and French. I've seen sources that claim that version of baccarat date back to the late 15th century, making it one of the oldest games played in modern casinos.

Baccarat didn't become popular in the United States until the 1950s, and some might argue that it's not especially popular there now. For years, baccarat was presented as the game of choice for James Bond, but eventually it became so old-fashioned that they updated Bond to a poker player. (See the movie Casino Royale, where Bond plays Texas hold'em for the first time onscreen—in most of his previous appearances, he played baccarat.)

How to Play Baccarat

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2. Want to play online Baccarat for real money? Check out some of our Top Online Casinos and choose your best casino to play at. CLICK ABOVE TO PRACTICE YOUR BACCARAT GAME SKILLS FOR FREE. Playing Baccarat over the Internet is one of the most exciting and fun pastimes ever. On the last couple of years, the game of Baccarat was gained more and more popularity among the casino table game players around the world.

In some respects, baccarat is similar to blackjack. Both games feature playing cards, and both games have the player comparing her hand with the dealer's to see who wins. That's where the similarities end, though.

Numbered cards are scored according to their face value. Face cards are worth 0, and aces are worth 1. These points are totaled, and the value of the right digit in the total is the determining factor for winning. So the final score on any baccarat hand is a total of 0 through 9.

The casinos have elaborate rules and procedures for how the hands are played. If the player or banker has a total of 8 or 9, then the hand is considered a natural. If the player has a total of 5 or less, the player has to hit—otherwise the player has to stand. If the player stands, the banker must hit a total of 5 or less, but if the player hits, the banker has to consult a chart to determine whether or not to hit.

The winner is the person with the higher score. Winning bets pay off at even odds, UNLESS the player is betting on the banker to win. In that case, the casino takes a 5% commission.

How to Win at Baccarat

The player doesn't get to make any decisions besides how much to bet on each hand, and on what, so there's not much strategy to baccarat. In fact, the only strategy worth mentioning is to take the one bet at the table with the lowest house edge.

A bet on the banker in baccarat has a house edge of 1.06%. A bet on the player has a 1.24% edge.

Players can also bet on a tie, but that's such an outlandishly bad bet that I'd be surprised if anyone exercises the option. The house edge on that bet is 14.36%.

Some people might try to use a Martingale System strategy on baccarat, but that strategy doesn't work for baccarat any more than it does for roulette or any other game.

The Martingale Strategy requires a player to double her bet after every loss. When she eventually wins, she'll recoup all of her losses plus a single betting unit.

The problem with this strategy is that it would only work if the player had an infinitely large bankroll and no betting limits.

The fallacy behind the Martingale Strategy is that it assumes that long losing streaks are much rarer than they actually are. The Martingale is particularly ill-suited for baccarat because the game is traditionally played at fairly high limits to begin with. Doubling a $100 bet three or four times in a row results in some very high wagers indeed.

Look at what $100 turns into when double eight times in a row. $100, $200, $400, $800, $1600, $3200, $6400, and $12,800. Just to place all those wagers would cost a player over $25,000. And if, after that losing streak, the player won…well, she'd only be up by $100. I don't know anyone who thinks that risking almost $13,000 to net a win of $100 is a good strategy.

Besides that, few casinos will allow bets beyond a certain limit. I don't know of any online casino which would accept that kind of action, but even a high roller who found a brick and mortar casino who did accept that kind of action wouldn't be able to change the immutable negative odds.

Baccarat might be a fun little guessing game, but it's got about as much strategy as flipping a coin. Only when you're flipping a coin, you've got even odds—in baccarat, the house has an edge. Play it for fun if you want to, and don't be afraid to walk away a winner, but forget about finding a way to gain an edge over the casino with this game. It's not going to happen.

Let's get one thing straight – there is not one single surefire Baccarat strategy guaranteeing you wins. Anyone who claims they have cracked the Baccarat code is either a Trump supporter who yells at kids to get off their lawn or a self-righteous and self-proclaimed 'expert' lacking the bankroll to back up him boasting his uncanny skill and technique. And although there's not really one foolproof strategy per se, considering how much based on the chance the game is, there are some rules you can follow to ensure a pleasant time at the Baccarat table.

How to Play Baccarat – The Rules In a Nutshell

First and foremost – learn the mechanics of the game. Make sure you know the rules, how the cards are dealt and what their value is. It can be boring learning all the intricacies like when the player stands and when the banker hits but if you're betting your money, you need to have a complete understanding of what's going on.
Despite the fancy suited high-rollers we've come to associate with Baccarat, it doesn't take the intellectual prowess and deductive reasoning of a British Secret Service agent to ace it. In fact, this is probably the most straightforward game you can play at a casino. Despite all the prestige surrounding the game, it's really nothing more than a coin toss, so once you're familiar with the terms and bets, you're all good to go. To prep you up for a night at a glitzy land-based casino or a game at an online live table, here's a crash course on how to play Baccarat.
Baccarat is played at large kidney-shaped tables that can sit 12 players and two dealers, plus a caller. In front of every player, there are two fields – Player and Banker. Each player places their bet before the cards are dealt and chooses whether their wager goes to the Player hand or the Banker hand. There is also a third option – Tie if the Player and Banker's hands have equal value. The version of Baccarat played at American casinos is called Punto Banco which stands for Player and Banker. After all players have placed their bets, the Player and the Banker are each dealt two cards. The hand that wins is the one that's closer to a total of 9. So, if the Player hand is 8 and the Banker hand is a 3, the winning one is the Player and all punters at the table who have placed bets on the Player hand, win. If the hands are equal, it's a loss for everyone who has bet on Player / Banker and a win for all that have bet on a Tie.

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The Good, the Bad and the Player – Baccarat Bets to Make and Avoid

The first step towards winning is to avoid the Tie bet. Not that we don't like it or anything but if you're in it to win it, then wagering your money on a bet with a 14-percent house edge is not exactly a surefire winning strategy. Next, you need to know the odds – although it seems pretty straightforward having only two options to bet – either Player or Banker, there are slightly different odds for the two as follows:

• Banker – 45.843%
• Player – 44.615%
• Tie – 9.543%

*There's also a commission on the Banker bet so make sure you're familiar with these before placing a wager.

The Banker Bet

With its higher odds, the Banker bet seems like the most reasonable choice when designing a Baccarat winning strategy. Experts will advise you to bet your money on it because it has been estimated that it will win more than 50% of the time – one of the reasons casinos add the 5% commission on it. Despite this being added, it's still a preferred choice for many players – both newbies and seasoned pros who swear by it. Experts will also recommend that you keep betting on Banker until it loses as it has a better chance for winning streaks and that you wait for at least one bet after a Banker loss before switching to Player.
A good thing to always keep in mind is that hot/cold tables and winning/losing streaks are pure myths born by the gambler's fallacy that in even odds bets after many consecutive outcomes of the same results, the opposite one is just bound to happen. There's absolutely no mathematical or any other proof of such co-dependency so we advise that you don't employ such practices.

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The Player Bet

Although the Banker bet is typically assumed as the better option, it's a bit different when you're using a strategy. Considering the commission on the Banker bet, it will be less lucrative when you're using progressions. Let's say, you're playing Martingale – you are doubling your bet after every loss. After four consecutive losses at a 10-unit wager, you've lost 150 units (10 + 20 + 40 + 80).
You bet on Banker again and this time you wager 160. Finally, you win and the total payout is 304 units. That's the 160 stake plus the 160 win, minus the 5% commission. The total amount wagered was 310 (10 + 20 + 40 + 80 + 160) which means that even though you've won, you haven't covered your losses and due to the negative progression and the bet commission, your net loss is 6 units. A similar streak of losses while betting the Player hand would have given the expected 1 unit of profit, that is 10. Despite its lower odds, it's the better option when playing with systems.

The Tie Bet

Baccarat is known as the casino game with the lowest house edge, however, the Tie bet can definitely tarnish its reputation. The Banker is recommended for its low edge of 1.06%, the Player is also a good option with a house edge of 1.26% and then there's the Tie bet – standing at the staggering 14.4% house edge, defying logic and critical thinking. Naturally, it's not a good call to place your money on a bet that has less than 10% odds and the possibility of paying back only 14 units per very 100 units wagered. That's why the most logical thing would be to avoid it and play as if it doesn't exist. A tie is a push, so your wager will just wait for the next round. If you're following a streak and you get a Tie, simply don't count it and keep playing accordingly.

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You can test this experts' advice in our demo game and see for yourself whether betting successively on Banker yields the highest winning potential. Play for free Baccarat by Pragmatic Play and use its features to hone your betting strategies. The game follows standard baccarat rules and has payouts as follows:

• Player Win – 1:1 (Even Money)
• Banker Win – 0.95:1 (with 5% commission)
• Tie – 8:1 (in case of Tie, Banker Bet and Player Bet are Push)

Played with eight decks, this version keeps history of the last twenty results indicating B for Banker, P for Player, and T for Tie. You have also options to rebet or place different bets before each new deal. With a betting range of 1 – 100 and 500 free credits, the game will also allow you to test out some of the progressive betting systems described below.

Using Betting Systems in Baccarat – It's Not Stupid if it Works

Some practices used in other table and card games can also be applied to Baccarat. Both simple strategies like the D'Alembert and more sophisticated ones like the Labouchere system can serve your purpose of beating the odds at Baccarat. Positive progression systems like the Parlay and Paroli or negative progressions are also applied by players. To find out how you can use popular betting systems like the Fibonacci progression or the 1-3-2-6 system, read more details about Baccarat betting systems on our dedicated page.

Positive Progressions

Using a positive progression system means that you increase your bet every time you win and reduce it after a loss. Positive progressions are considered to be less damaging to your bankroll than negative progression betting systems. They are supposed to help you maximize your winnings if you go on a lucky winning streak and keep your losses to a minimum if you end up having consecutive losses. In theory, they do make sense and it is possible to win more money if you get a series of winning outcomes and soften the blow to your wallet in case of several consecutive losses. Positive progressions do not influence your chances of winning or losing a bet and are generally no risk at all.

Negative Progression Systems

Negative progressions are just the opposite of positive progression systems and can actually be harmful to your bankroll. In essence, they postulate that you should increase your wager after every loss and reduce it after a winning bet. At first glance, they seem logical and it's easy to see why some gamblers will be tempted to try them. The theory behind them is that when you increase your bet, eventually your win will be big enough to cover your losses.
A closer look at how they work will reveal all the problems about such betting practice. There's a very real risk that you will eventually run out of money, especially if you're doubling your bet. Besides, there's the bet limit of the house you need to consider – even if you have enough money to keep betting, the cap of the bet amount will prevent you from placing a wager big enough to cover your losses. Unless you're very experienced and know exactly what you're doing, such systems can be a recipe for disaster.

Flat Betting Strategy

Unlike positive and negative progression systems where you have to alter the amount of your bet, a flat betting strategy for Baccarat means that you will be repeatedly placing the exact same wager in successive rounds of play, regardless of whether you lose or win. This approach is considered advantageous due to the lower risk in case of a losing streak. But how can you win more using a flat betting strategy? The best way to profit from the flat betting strategy is to determine correctly which hand will win, Banker or Player, with the accuracy higher than 50 percent. Using the flat betting strategy means that you will place the same amount of bet on every hand. While this is an effective way of minimizing the risk, it doesn't guarantee big wins. It's useful if you're still getting used to the game and not very certain of the rules.
What are the benefits of using the flat betting system instead of the negative or positive progressions?

• Flat betting offers higher chances of actually making a profit.Since you don't double or increase your bet in flat betting, there's a smaller risk of overspending. Not adding more money to your wager reduces the risks of bigger losses and presents a better chance of making a profit.
• You can bet more. Flat betting gives you the option for more bets at a lesser value since you don't double the wager neither after a win, nor after a loss, the way you would in progression systems. You can bet more money because you won't make big losses due to doubled bets.
• You can use it if you're not very well versed in the rules. Flat betting is suitable for beginners because of its simplicity and lower risk. You don't need to make calculations and you can apply it even if you're not familiar with the rules like drawing additional cards.

If you're interested in utilizing a betting system, flat betting is the only way to do it without the risk of losing more money than you can afford. Experts advise against using negative progressions and are sceptical about positive progressions as well, so it's not a good idea to chase after other strategies if you can gain an advantage over the game by using the flat betting system. It doesn't guarantee a sure win but it is an effective way to increase your odds if you manage to predict the outcome of the round. Even if you don't, you don't risk losing a lot of money.

*Flat betting example

Card Counting in Baccarat – Close to Impossible but Still an Option

Card counting has gained enormous popularity at Blackjack ever since Edward E. Thorp published his 1964 bestseller Beat the Dealer. It's a method that has proven to be lucrative for players who have used it successfully to beat blackjack. But of course, it's not just the players that caught on to it – the casinos are well aware of it and now blackjack tables are the most closely watched ones, with suspected card counters often being barred from betting or asked to leave the premises. But gamblers won't let their practice go to waste so they turn to the next best thing where they can continue to hone their skills – Baccarat.
Yes, Baccarat card counting is a thing and might as well be the reason why Baccarat is likely to replace blackjack as the most popular casino game. Although theoretically, you can beat Baccarat by counting cards, the edge you get will be so small that it might not actually be worth your time, considering how much more complicated than card counting at a game of 21 it is. Still, if you have the time and dedication to try and learn it, we have the complete Baccarat card counting guide to help you.

Money Management Is Crucial

If you decide to use progression systems, you need to exercise strict control over your budget. Any system that requires you to increase or double your bet is a pitfall that you'll have hard time getting out of. Whatever systems you're using to play online baccarat at the best online casinos, be it the Paroli, Martingale, Parlay or any other, never spend more money than you set out to. Baccarat is a chance-based game, you can never predict with certainty whether you will have a winning or a losing streak. Don't go chasing your losses and remember the golden rule – quit while you're ahead.

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Plan your budget – decide on your wager and put a limit on the total sum you're willing to bet. If you decide to make your wager $10, allow yourself a $200 bankroll and if you lose it all, simply walk away. Take time until the next session. It's nice to leave the table a winner, but gambling is inherently unpredictable. The worst strategy would be to start chasing your losses or fall for some of the erroneous motivators behind gambling like:

• near misses: being very close to winning but not actually winning and continuing to wager with the assumption that the next round is due to be a win.
• the illusion of control: being able to roll the dice, spin the ball at roulette, or squeeze the cards in baccarat will give you a false sensation of exercising control over a game purely based on luck.
• the gambler's fallacy: the wrong and unsupported conviction that after a series of the same result or a losing streak, the next one will be lucky and with the winnings, you'll be able to even out.

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Having Fun and Staying in Control Is the Best Strategy

All of these are misconceptions that are actually the first signs of compulsive gambling. We have an innate aversion to loss but we have to accept that in a tight game like baccarat, the chance is the deciding factor. Stop playing when you've spent your budget, regardless of whether you're winning or losing and give yourself some time before you go back to playing. If you're winning, split your win in half and use only that to keep playing. Even if you lose it, you still walk away with a profit. Remember that gambling is an entertaining activity – enjoy the fun and social aspects of it and stay in control of your bankroll. Now, that's a strategy that always works.

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