Real Money Baccarat

Baccarat has a reputation as a game that’s hard to understand, played only for high stakes, and often confined to the Asian gaming sections of Western casinos. But in reality, baccarat is very simple – and offers great odds to the player with very little strategy required. Real money baccarat is a game that’s accessible to any casino gambler, and online casinos have made it easy to play baccarat for real money any time you want to sneak in a few hands.

#1 Real Money Baccarat Casino: Lucky Red Casino

Lucky Red Casino ( offers a traditional baccarat game that’s perfect for high rollers and casual gamblers alike. While you play, you can also clear a special Lucky Red deposit bonus available for baccarat. Plays must check the Lucky Red Casino promotions page throughout the week because these baccarat bonuses are not only rare but also highly lucrative.

#2 Real Money Baccarat Casino: Club World Casino

Club World Casino ( provides solid baccarat games that can compete with any online casino in the world. Each week, players at Club World Casino are treated to special baccarat bonuses but players must check the Club World promotions page often. These baccarat bonuses don’t last very long and are extremely rare to find in online casinos.

#3 Real Money Baccarat Casino: All Star Slots

At All Star Slots (, you will find both great odds and solid baccarat games. Nevermind that the impressive graphics and sound allow for one of the most authentic baccarat experiences of any online casino. Sign up for an All Star Slots account today to get special baccarat bonuses each week. You must check the promotions page at All Star Slots regularly because these special baccarat bonuses are available only on select days, so plan ahead!

How to Play Baccarat for Real Money

Real money baccarat is actually one of the easiest casino games to play, despite the fact that relatively few casino patrons understand the rules. The game is played between two hands: the player hand and the banker hand. Despite the names, players can bet on either hand, and both are controlled by the dealer.

The object of the game is to predict which hand will end up with a higher score. Hands are scored by adding up the value of the cards in each hand; face cards and tens are worth 0, aces are worth 1, and numbered cards are worth their printed value. If the value of a hand is 10 or greater, only the final digit is used in determining the score; in other words, hands valued as 6, 16 or 26 points are also considered as being worth 6 points. The best possible hand is a 9, while the worst hand is a 0.

The hand begins after each player makes a bet on either the banker or player hand (or on a tie). The dealer then gives two cards each to the player and banker hands. At this point, several rules are used to determine if either hand will stand receive a third card. The rules are as follows:

  • If either hand has a score of 8 or 9, both hands are forced to stand. Otherwise, follow the rest of the rules.
  • If the player has a hand of 5 or less, they receive a third card; if the player hand is 6 or more, the player stands.
  • If the player stands, then the banker will hit on a hand of 5 or less, and stand with six or more.
  • If the player hits, the banker will choose whether to stand or hit based on a combination of the banker’s score and the value of the player’s third card. The rules are as follows:
  • If the banker has a hand of 0-2, the banker will always hit.
  • If the banker has a hand of 7, the banker will always stand.
  • If the banker has a hand of 3, the banker will hit unless the player’s third card was an 8.
  • If the banker has a hand of 4, the banker will only hit if the player’s third card was between a 2 and a 7.
  • If the banker has a hand of 5, the banker will only hit if the player’s third card was between a 4 and a 7.
  • If the banker has a hand of 6, the banker will only hit if the player’s third card was a 6 or 7.

Winning bets on the player hand pay even money, while winning bets on the banker hand pay even money minus a 5% commission (in other words, a $100 bet wins $95). Tie bets generally pay 8-1; player and banker bets push on a tie.

Real Money Baccarat Strategy

If you want to play baccarat for real money, it’s worth taking the time to learn the very basic strategy that will keep the house edge to a minimum. While you may see many other real money baccarat players keeping track of the numbers and results of each hand, the best way to play is simply to bet on the banker every hand. The banker bet has a house edge of just 1.06%, while the player bet has a 1.24% house edge – meaning that your results will be very similar no matter which hand you bet on.

The one bet to avoid when playing real money baccarat is the tie bet. This bet features a house edge of over 14%, one of the worst bets you’ll find on any table game. Even if the tie bet offers 9-1 odds (as is common in many online casinos), it is still far worse than making the player or banker bets.