Getting Started – How to Play Online Baccarat

The object in an online Baccarat game is to bet on the entity (the house or player/s) with cards that accumulate a point total closest to 9. These totals are calculated according to the following card values:

  • Aces count as 1
  • Cards 2 through 9 count at face value
  • 10’s and face cards count as 0.

It should be pointed out, however, that if you’re dealt a 9 and a 7, for example, the combined total is not 16, but instead, 6. If you receive a 3 and an 8, the total is not 11, but actually 1. To put it another way, it is not possible to have a combination of cards with a combined total of more than 9. The perfect hand is one that totals 9 exactly with the first two cards. 8 is your second-best hand and, along with the 9, these two hands make up the two “natural” hands.

Baccarat Table Layout

A Baccarat table generally includes a middle area for the croupier and two similar ends.


1. Caller (“Croupier”)
2. Dealer1
3. Dealer2
4. Drop Box
5. Discard Trays
6. Tips box

Up to 14 players occupy the seats, which correspond to the numbers on the layout wagers placed in a section outlined in front of the players. According to the possible choices at the beginning of each game, the player has three betting areas associated with his/her position at the table. They are: “Banker”, “Player” or “Tie” (of course).

Online Baccarat Game Payouts

Payouts are very straightforward and easy to grasp. If you bet on a winning player’s hand, you’ll be paid out at 1 to 1. If you wager on a winning house hand, the payout is also 1 to 1. If you bet on a tie, the payoff is 8 to 1. Online tables usually have a minimum bet of $1 and a maximum bet of $250.

Online Baccarat Rules

Generally speaking, online Baccarat rules are very straightforward. Depending on which casino you’re playing at, anywhere between one to eight decks of cards may be used. Counting cards is therefore not an option. Even the single-deck games automatically reshuffle the cards after every hand.

Each Baccarat game begins with the dealer dealing 4 cards: 2 each for the house and the player. If the total of either or both sides is 8 or 9, you call this `a natural` and then no more cards are issued. If, however, the point total of both sides is identical, it’s a tie. The only trick here comes when the house or the player’s points, after the initial two cards, do not add up to a natural, or when no tie occurs. In these cases, another card will be dealt according to specific Baccarat rules, which are broken down below:

  • Player’s initial hand adds up to 6 or greater – he/she must stand and will not receive additional cards.
  • 5 or less – the player is dealt an additional card.
  • House hand adds up to 7 or more – the house must stand.
  • House hand adds up to 0, 1 or 2 – the house must take an additional card.
  • House hand totals 3, and the player’s third card is anything other than an 8 (the player always receives his cards before the house) – the house will hit.
  • House hand totals 4, and the player’s third card is anything other than 1, 8, 9, or 0 the house will hit.
  • House hand totals 5, and the player is dealt a 4, 5, 6, or 7 – the house will hit.
  • Finally, if the house hand totals 6, and the player’s third card is 6 or 7, the house will hit.