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How To Play Baccarat Online (Punto Banco)
Mastering the mechanics of playing baccarat online requires little effort or memorisation. Unlike online craps in Canada, it’s a much simpler game. We’ll tell you how next.
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Step 1
Choose a Baccarat Online Casino
Hundreds of mobile online casinos accept Canadian residents. Still, not all are good enough to make it on our recommended list. These are fair, safe, and secure. They also support player-friendly banking and offer bonuses/promotions. Their baccarat games originate from different providers, presenting a rich selection.
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Step 2
Register a New Player Account
Register an online baccarat Canada player account, which typically takes under 10 minutes. Ensure that you input your details accurately to avoid problems later. Verify your email if asked by clicking on the link provided.
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Step 3
Make a First Deposit and Claim the Welcome Bonus
A new player can claim an optional welcome offer on the first deposit (sometimes more). Decide your preferred payment provider, currency and deposit size.
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Step 4
Choose an Online Baccarat Casino Game
Visit the RNG or live casino section to choose your first baccarat casino game. You may need to top-up your account balance first before playing. It’s advisable to read the instructions first. We recommend trying the game in demo mode before playing for real money.
Popular Baccarat Variants
Baccarat comes in a few single-player and multi-player variants. Undoubtedly, Punto Banco is the most popular online version when playing baccarat. Mini Baccarat is also popular among a few Canadian players. In contrast, Chemin de fer and Baccarat Banque are popular offline multi-player versions. We’ll introduce you to each next.
Punto Banco (European)
Punto Banco is a house-banked game played with 6-8 card decks. It’s the most popular version of this card classic. Like a Plinko game online, there’s no strategy involved, as the outcome is random. The dealt cards determine the next move instead of individuals.
The dealer distributes two face-up cards to the player (Punto) and the banker (Banco) hands. A bettor decides whether the Punto or Banco will win or whether they will tie.
It’s important to understand that the player and banker are just names. They represent hands – not individuals.
Chemin de fer
Chemin de fer is a card game with six decks of cards shuffled together. Unlike Punto Banco, chemin de fer involves an element of skill.
Chemin de fer is a card game with six decks of cards shuffled together. Unlike Punto Banco, chemin de fer involves an element of skill.
Traditionalists sit around an oval table and discard cards in the centre. This variant is a player-banked card game. One participant becomes the banker and dealer, while the rest are “punters. ” Each player takes turns as the banker in a counter-clockwise direction.
Each round, the banker wagers the amount they are willing to risk. Each player then declares whether to “go bank” with a matching wager. Only one player may “go bank.”
Players who did not go bank must wager in order. If the players’ total wagers are less than the bank’s, bystanders may bet up to the bank’s amount.
If the total wagers exceed the bank, the banker can increase their bet to match or remove the excess.
The banker deals four face-down cards. Two cards to themselves, and the remaining players share the other two (common cards). The highest betting player represents the non-banker players. If there’s a tie, the first punter in the playing order represents the non-banker players.
The next step is to compare the hands to determine if either has a value of eight or nine. If this is not the case, the player can accept a face-up third card.
Mathematical probability decides whether to accept or refuse a card. A hand of 0-4 accepts another card but refuses a card with a hand of 6-7. The banker also decides whether to accept or refuse a card. The hands are then turned face-up and compared.
The payout of a winning hand (exceeding the banker’s) is their initial bet plus a matching amount. The position of banker shifts to the next player. Conversely, a winning banker hand leads to losing bets placed with the bank. The banker position and wagers stay the same in the event of a tie.
Baccarat Banque
Baccarat Banque consists of three inter-shuffled decks of cards and a permanent banker. The banker role goes to the player willing to stake the most. Unlike Chemin de fer, the banker is not the dealer. Non-seated players may bet when the players’ combined stakes don’t cover the banker’s.
After the betting closes, the dealer shuffles and cuts the cards with the help of punters. The banker deals two cards to a right-seated punter, a left-seated punter, and himself. Each punter represents the players from their side for as long as they win or tie.
Whether each side wins or loses depends on the respective cards dealt. The rules of this version are identical to Chemin de fer.
A player from each side may “go bank” with a matching wager as long as they want, provided they win. If a player from both sides decides to do this, they must each stake half the bank.
The dealer pays back the punters in their rotation order until the banker runs out of money. The banker doesn’t need to cover any shortfall in bets when the punters’ stake exceeds their own.
Mini Baccarat
Mini Baccarat tends to be popular with Asian players. However, that’s not to say Canadians don’t enjoy it, too. The game resembles Punto Banco but uses a smaller table and eight card decks.
3-Card Baccarat
3-Card Baccarat is a simpler variant than Punto Banco, found at smaller Macao casinos and online to a lesser extent.
It’s played with three cards instead of the typical two, but the aim remains the same. Like Punto Banco, bettors back the player, banker, or a tie. Three cards are then dealt to the Banker and Players, followed by an evaluation of the totals. There are no extra rules that you’d find in Punto Banco, such as when to take another card.
Baccarat Basics
Next, we’ll run you through terms you’ll likely hear, rules, and numbers.
Baccarat Terminology
Coup: The French word for a playing round in baccarat.
Dealer’s shoe: A contraption that holds several card decks. It reduces the shuffling time and makes dealer cheating harder.
Even Money Bet: A bet type with a 1:1 payout.
Natural Hand: A “natural” is a 2-card player or banker hand of 8 or 9.
House Edge: The advantage a game gives the casino over the player (expressed as a percentage).
Punters: This is the name of all players in Chemin de fer outside of the one chosen to be the banker and dealer.
Rules of Baccarat
Place your preferred betting chip(s) in the corresponding real/virtual table position. These positions correspond to a player win, banker win or tie.
The dealer deals two cards to the player and banker from a shoe containing 6-8 decks of 52 cards.
A comparison of the two hands determines which is closest to nine. A push occurs when both hands are equal. Numbered cards 2-9 have a value equal to their face. Aces count as 1, whereas kings, queens, jacks and tens have a value of zero. Subtract 10 when a hand exceeds 10 to arrive at your hand value.
A bettor should stand on a “natural” hand. The third card rule applies when neither hand has a value of 8-9:
Players Rules: A “player” hand of 0-5 collects a third card and stands on a hand of 6-7.
Banker Rules: A “banker” hand of 0-5 draws a third card if the player stands. The value of a player’s third card and the banker’s hand decides whether the banker collects a third card.
A winning payout corresponds to the following schedule:
- A player hand win 1:1 (even money)
- A banker hand win 1:1 (even money) less a 5% commission
- Tie 8:1
Baccarat Odds, Payout and House Edge
Punto Banco is a game of chance because it’s impossible to take in-game actions to affect the results.
One should avoid the temptation of side bets with higher payouts but wider house edges for the best chance. Likewise, the odds of winning a tie wager (8:1 payout) are much lower (9.52%), giving the house a much larger edge of 14.4%.
The wisest action is to back the even money hand with a 1:1 payout. This strategy is similar to outside bets on roulette online in Canada, including red-black, odd-even or high-low.
Betting Options for Casino Baccarat Games
Next, the following tables present standard bets and common side bet options.
Standard Types of Bets
| Bet Type | Odds | Payout | House Edge |
|---|---|---|---|
| Punto (Player) | 44.62% | 1:1 | 1.24% |
| Banco (Banker) | 45.86% | 1:0.95 (1:1 less 5% commission) | 1.06% |
| Tie | 9.52% | 8:1 | 14.4% |
Baccarat Side Bets
| Bet Type | Odds | Payout | House Edge |
|---|---|---|---|
| Either Pair | 14.20% | 5:1 | 13.71% |
| Big | 31.80% | 2:1 | 4.35% |
| Small | 37.80% | 3:2 | 5.27% |
| Player Pair | 7.47% | 11:1 | 10.36% |
| Banker Pair | 7.47% | 11:1 | 10.36% |
| Perfect Pair | 3.34% | 25:1 | 13.03% |
What are the best baccarat strategies?
No existing baccarat strategy can lower or cut the house edge on these table games. Still, that doesn’t stop some Canadians from trying to improve their chances. We’ll take you through some of them next.
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Card Counting
One typically associates blackjack games at the best online blackjack in Canada with card counting. Card counting in baccarat games is equally challenging. Two reasons are the 6-8 card decks and frequent shuffling.
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Martingale
The Martingale system is a negative cash management progression strategy. It applies to even money bets. Here, a player doubles their bet after a losing round. The idea behind the strategy is that they can win back their losses quickly. However, a prolonged losing streak increases the risk of wiping out a bankroll.
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Paroli
The Paroli system (Reverse Martingale) is the opposite of the Martingale strategy. Here, a player doubles their previous bet after a win and returns to their original bet after a loss. The idea behind the strategy is to ride positive momentum. However, a loss can wipe out accumulated winnings.
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Fibonacci
A Fibonacci betting strategy consists of a series of numbers, each of which is the sum of the previous two. For example, a simple Fibonacci sequence can be the following: 2, 3, 5, 8, 13, 21, 34. Suppose your initial bet was C$2 (the first number in the sequence). If you were to lose, your next bet would be the number immediately to the right (in this case, C$3). Should you lose again, your next bet would increase to C$5.
After a win, the next bet would equal the number two positions to the left. Using our same example, if you win on your third wager of C$5, your next bet would return to C$2. Like the Martingale, the risk of wiping out a bankroll increases on a losing streak since you’re betting more considerable sums.
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Labouchere
The Labouchere system (Split Martingale) is another even money strategy. A player writes down a series of numbers, the sum of which equals their desired total win. Each bet size consists of the sum of the first and last number in the series. Drop these numbers from the series after a win. Add the amount lost to the end of the number series after a loss.
Sequence Bet Wager Result Action for the next round 1, 2, 3, 4, 1, 5 1st 1+5 win Drop the 1 and 5 from the sequence 2, 3, 4, 1 2nd 2+1 win Drop the 2 and 1 from the sequence 3, 4 3rd 3+4 loss Add the total loss of 7 to the end of the sequence 3, 4, 7 4th 3+7 loss Add the total loss of 10 to the end of the sequence Information of Baccarat Labouchere Strategy This is another example of a negative progression strategy since the bet sizes increase after each loss.
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Flat Betting
A flat betting strategy is the opposite of a progressive betting strategy. Bet sizes remain the same regardless of a win or loss. It’s conservative since you never increase your risk by betting more after a loss or win. The drawback to this system is the difficulty of recovering significant losses. The reason is that flat betting doesn’t exploit positive momentum.
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One-Sided
A one-sided betting strategy is when a player only bets on one side of a physical/virtual table. Thus, they back the banker or the player but not both or a tie. It’s arguably the most straightforward even money strategy.
Banking at Online Baccarat Casinos
A baccarat casino online, like the ones on our list, accommodates CAD and crypto payment types. Examples include credit/debit cards, e-vouchers, e-wallets, crypto coins and instant banking. These betting sites offer a reasonable selection of international/domestic payment providers. Each has a low minimum deposit requirement and fast withdrawal approval times.
The following table summarises typical payment providers available at online casinos for Canucks.
| Banking Options | Minimum Deposit Requirement | Minimum Withdrawal Requirement | Deposit Processing Time | Withdrawal Time |
|---|---|---|---|---|
| Interac | C$10 | C$10 | Instant | 1-3 days |
| Mastercard | C$10 | n/a | Instant | n/a |
| Visa | C$10 | n/a | Instant | n/a |
| Neosurf | C$10 | n/a | Instant | n/a |
| Astropay | C$10 | n/a | Instant | n/a |
| payz | C$10 | C$10 | Instant | 1-3 days |
| flexepin | C$10 | n/a | Instant | n/a |
| eVoucher by CashToCode | C$10 | n/a | Instant | n/a |
| eZeeWallet | C$10 | C$10 | Instant | 1-3 days |
| Jeton | C$10 | C$10 | Instant | 1-3 days |
| MiFinity | C$10 | C$10 | Instant | 1-3 days |
| MuchBetter | C$10 | C$10 | Instant | 1-3 days |
| iDebit | C$10 | C$10 | Instant | 1-3 days |
| Instadebit | C$10 | C$10 | Instant | 1-3 days |
| Neteller | C$10 | C$10 | Instant | 1-3 days |
| Paysafecard | C$10 | C$10 | Instant | 1-3 days |
| Bitcoin, Tether, Litecoin, Ripple, Ethereum, Bitcoin Cash, Dogecoin | C$10 | C$10 | Instant | 1-3 days |
Mobile Baccarat
Canadians are increasingly in motion, leaving them dependent on their mobile devices. Hence, casinos have responded with optimised instant-play real money games. These are compatible with Android/iOS device browsers.
Some online casinos have taken things a step further by releasing mobile apps. This downloadable software may add greater convenience, stability, security and speed. Mobile apps are typically available at the online baccarat casino or from the Google Play or App Store.
Online Baccarat Canadian FAQs
What is baccarat online?
Online baccarat is a card game found at casinos. The goal is to bet on whether the player or banker will have the higher hand or whether they will tie.
How does one win a baccarat casino game?
To win, a player must correctly back the hand closest to nine. Card numbers 2-9 are worth their face value, whereas 10, J, Q and K are worth zero. While affecting the house edge is impossible, a “banker” bet gives the best chance to win.
Where can I play baccarat casino games in Ontario?
Ontarians can find and play online baccarat at many AGCO-licensed casinos online. These sites display an iGaming Ontario seal. In our article above, you can find 10 of our highly recommended baccarat sites available to Canadians.
Is baccarat a game of skill or luck?
An online baccarat game like Punto Banco is all about luck. It’s impossible to influence a hand’s outcome (house advantage) using a baccarat strategy. However, betting on the banker hand gives the best odds of winning.
What are the odds of winning a baccarat online game?
Punto Banco online baccarat has amongst the lowest house edges of any table game, as low as 1.06% (banker bet). A player bet has a house edge of 1.04%. A tie bet has a house edge of 14.4% (eight-to-one payout) or 4.5% (nine-to-one payout).
Steve Madson is a seasoned writer at TestCasinos.org Canada, known for his deep understanding of the gambling world. With two years at the company, he excels in breaking down complex gambling concepts, from odds to casino details, for players of all skill levels. An enthusiast of cycling and Canadian travels, Steve balances his remote work with active engagement with his team, ensuring he’s always in tune with the latest in gambling and teamwork.