Find out how to play Baccarat online

Game Description

Camera, lights, action – there’s something pretty luxe about a game like baccarat online; it makes us think of VIP settings; grainy images of luxury; casino movie-stills. Well, Ignition Casino can also give you a dose of all that glitz and glamor with its very own baccarat, and with far lower betting minimums.

For as little as $1 a round, you could bet on the Banker or Player, who are both trying to outscore each other. Think they might end up with the same score? Bet the Tie for the chance to win a 9:1 payout.

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How to Play Baccarat

This version of classic baccarat is considered one of the Punto Banco banker games. You’re up against the house in a game of chance that pits two hands against each other: the Banker and the Player. Both sides start the round with two-card hands, which are visible to players. A third card is drawn when the situation calls for it – according to the game rules. The dealer is responsible for systematically dealing the third cards. A fourth card is never drawn.

Although you’re not actively involved in the actions of either hand, you get an opportunity to bet on the side you think will win the round. You can base your bet on the payouts offered for each hand, the odds of each hand winning, and the positional advantage enjoyed by the Banker, who always plays second. The winning side is the hand that has the higher score at the end of the round, with the highest score possible being a 9. Both hands can end up with the same score, in which case, a bet on the Tie pays out.

No bullshit, no heavy strategy, and perfect for players who enjoy straightforward table games online. It’s just you, the odds and good ol’ fashioned instinct.



Play Baccarat Online

Types of Hands

In baccarat, there are three betting options to choose from: the Banker, Player and Tie. You may bet on any combination of these three bets.

Banker: The Banker enjoys a positional advantage over the Player because the Banker acts second and some of his moves depend on the Player’s moves. Because of this small advantage, Banker wins are paid even-money minus a 5% commission.

Player: The Player acts first in baccarat, and his moves are independent from the Banker. Player bets pay even-money.

Tie: In some rounds, the Player and Banker will get the same score and tie. If you bet on the tie when this happens, you get paid 9:1.


How the Cards are Dealt

At the start of the round, the dealer gives two cards to the Player and Banker, starting with the Player. If either side’s two-card hand has a score of 8 or 9, they win automatically; the hand is a Natural. Both sides getting a Natural would result in a push. If neither side has a Natural, a third card may be dealt to Player and Banker, depending on their score.

The Player stands with a score of 6 or 7. A score lower than 6 results in a third card drawn for the Player. If the Player stands, the Banker also stands with a score of 6 or more, and draws with a score under 6. However, if the Player draws a third card, the Banker’s moves depend on the card that the Player draws. For the complete set of rules for the Banker’s third-card, see the chart in the Rules section below. This can also be accessed through the menu in the game screen.


Baccarat Rules

This version of online baccarat uses a six-deck shoe that’s shuffled after every round. The minimum bet allowed is $1 and the maximum is $500. When the two sides tie, bets on Banker and Player are treated as a push.

Card Values: The card values in baccarat consist of three types of cards: Aces, zero-value cards and face-value cards. Aces are worth 1 point. Tens, Jacks, Queens and Kings are worth nothing. Cards Two to Nine are worth face value. To determine the score, the values of the cards in a hand are tallied, and if the score exceeds 9 points, it’s reduced by removing the first digit. For example, a score of 16 would be reduced to “6” according to baccarat rules. When you play baccarat online, you’re not expected to calculate hand values; it’s done automatically and displayed beside each hand.

Third Card Rule: All baccarat hands comprise two or three cards. After getting his initial two-card hand, the Player draws a third card if his score is 5 or lower. When he draws a third card, the Banker’s move (draw or not draw) is dictated by a set of rules that compare the Banker’s score with the Player’s third card. To see when the Banker will draw vs. not draw, see the chart below.


Banker Player's Draw Card
Total - 0 1 2 3 4 5 6 7 8 9
9 - - - - - - - - - - -
8 - - - - - - - - - - -
7 - - - - - - - - - - -
6 - - - - - - - D D - -
5 D - - - - D D D D - -
4 D - - D D D D D D - -
3 D D D D D D D D D - D
2 D D D D D D D D D D D
1 D D D D D D D D D D D
0 D D D D D D D D D D D


D Draw
- No Draw


Win Or Lose

  • You must pick the hand with the highest total.
  • You picked a Tie to win and there is a tie.
  • You bet on the Player and the hand wins, you win what you bet. A $5 bet pays back your $5, plus an additional $5.
  • If you bet on the Banker and the hand wins, you win your bet minus a 5% commission.* For example, a $5 bet pays back $5, plus an additional $4.75.
  • You bet on a Tie and if the Tie wins, you get nine times your bet. A $5 bet pays back $5, plus an additional $45.

*Note: the commission is 5% of the bet and is rounded up to the next quarter. For example, a minimum bet of $6 would deduct a 50 cent commission. 5% of $6 = 30 cents, but since the commission is rounded up to the next 25 cents; the commission is actually 50 cents. 5% of $11 = 55 cents makes the actual commission 75 cents.


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Basic Baccarat Strategy

Baccarat is a game of chance, but you can improve your win rate by betting on the side with the better odds. In six-deck baccarat, such as this version, the odds of the Banker winning are 45.86%. The odds of the Player winning are 44.62%. The Tie has the lowest win frequency at 9.50%, which is reflected in its high payout. To win more frequently, bet on the Banker; however, people who prefer to win more money (by avoiding the 5% commission) will be better off betting on the Player. The Tie should be reserved for times when you want a thrill.



Baccarat Variations

Although you can also play Classic Baccarat in our online casino, if you play in a land-based casino in North America, you may have three options for playing the North American version of live baccarat (also known as Punto Banco): Big Table Baccarat, Mini Baccarat, and Midi Baccarat.

Both Big Table and Midi Baccarat are available to high rollers in VIP sections of casinos. With Big Table Baccarat, players take turns dealing, whereas with Midi Baccarat, the dealer handles it. Both games have high betting minimums. Mini Baccarat is available to the public on the main floor of casinos. Players don’t act as dealers in this fast-pace variant, and the betting minimums are low.

Punto Banco baccarat isn’t the only version played in casinos. Across the pond, Chemin de Fer is popular and mostly played in France. Instead of playing against the house, people play against other players at the table. Everyone takes a turn to be the Banker. The casino takes a small rake for hosting these games.

Another European version is Baccarat en Banque. In this version, the Dealer is the Banker, and players can only bet on the Player hands (there are two as opposed to one like in North American baccarat). There are no rules to drawing a third card.


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Baccarat and James Bond

Baccarat didn’t break through to North America until the novelist Ian Flemming introduced the game through several of his James Bond books. Film and TV adaptations of his books also helped introduce this foreign table game. In Flemming’s first novel, Casino Royale, baccarat plays such an important role, he includes a guide on how to play it in the book. Movies like Dr. No, two versions of Casino Royale, On Her Majesty’s Secret Service, For Your Eyes Only and Golden Eye also include pivotal scenes where James Bond plays baccarat. The version James Bond plays is the French Chemin-de-Fer that’s still popular in France today.

So if you fancy yourself an international spy and man-about-town, give baccarat a go at Ignition. We’ve given you the keys to succeed, so go forth and make us proud.