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06 Sep 2026For a unique experience play live baccarat with highly qualified dealers. This 500-year-old + game still attracts players at both land-based and at online casinos. It is a very simple game to learn. You can either bet on the player, the banker or a draw. Therefore, you simply need to predict what will happen, and if you want you can also make things more interesting with a side bet.
Read MrCasinova.com’s guide for more insight.
Table of contents +Table of contents -
You can choose a variety of baccarat games that vary with different paces and rulesets. Find recommended real money online casinos offering live dealer baccarat games in the list below:
🏅 Top Live Baccarat Casinos 2026
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About Live Dealer Baccarat Online
Baccarat is a table game where two hands are dealt, one to the player and the other to the banker. The players need to bet on whether the banker’s hand or the player’s hand will be closer to a total of 9 or if it will be a tie. Other betting options are also available to players depending on where you’re playing. Like other games, baccarat is a game of chance where no skill is needed, and the outcome of the game cannot be influenced or predicted by the player of the banker. Check out our other recommended baccarat online casinos.
Live Baccarat gives the players an opportunity to play online with real dealers and real cards. Although the full experience of a land-based casino is not available, the game is considered to be highly authentic.
How to Play Live Baccarat
Follow the simple steps below to get started.
Step 1
Step 2
Step 3If one of the hands add up to an 8 or a 9 with the first two cards, no more cards are dealt and the hand is over.
This game is normally played with 8 decks of 52 playing cards. The card values are:
| Card | Value |
|---|---|
| Ace | 1 |
| 2 to 9 | Face Value |
| 10, Jack, Queen, King | Zero |
The Third Card Rules
The value of the first two cards of the player and the banker will determine whether one may take a 3rd card to improve their hand. The rules determine when this can take place. The value of the hand can be calculated by adding the value of each card, if the total exceeds 9, the value of the hand becomes the second digit. For example, if the cards add up to 10, the value is zero.
| # | The player’s 3rd card options |
|---|---|
| 1 | The player must take a card if the hand value is between 0 and 5. |
| 2 | The player must stand if the hand value is 6 or 7. |
| 3 | The game is over if the hand value is 8 or 9. |
| # | The dealer’s 3rd card options |
|---|---|
| 1 | If the player stands after the two cards were dealt, the banker must take a card if he has 0 to 5, and stand if he has a 6 or a 7. |
| 2 | The game is over if the banker’s hand value is 8 or 9. |
| 3 | The banker must take a card if he has a 0 to 2 and the player has taken the 3rd card. |
| 4 | The banker must take a card if he has 0 to 4 and stand if he has 5 to 7, and the player’s 3rd card is 2 or 3. |
| 5 | The banker must take a card if he has 0 to 6 and stand if he has 6 to 7, and the player’s 3rd card is 4 or 5. |
| 6 | The banker must take a card if he has 0 to 6 and stand if he has a 7, and the player’s 3rd card is 6 or 7. |
| 7 | The banker must take a card if he has 0 to 2 and stand if he has 3 to 7, and the player’s 3rd card is an 8. |
| 8 | The banker must take a card if he has 0 to 3 and stand if he has 4 to 7, and the player’s 3rd card is an Ace. |
Payouts and House Edge
Some additional information that you might find helpful is knowing the payout ratio and the house edge percentage, as explained below.
| Winner | Pays |
|---|---|
| Player | 1:1 |
| Banker | 0.95:1 and an additional 5% deducted commission |
| Tie | 8:1 |
| Bettor | House Edge |
|---|---|
| Player | 1.24% |
| Banker | 1.06% |
| Tie | 14.36% |
To explain is simple terms, the house makes most returns on Tie bets, then Player bets, and then Banker Bets.
Live Baccarat Game Options
You will be given a chance to choose from a different variety of Live Baccarat games. All will follow a similar process with the difference of having different offered site bets and seating positions.
- ➡️ Single Player – In this game only one player and one banker will participate. Other players can bet on the positions, but you can only see your bet.
- ➡️ Multiple Player – 7 player positions will be available and multiple players will be given the opportunity to place bets on those positions. You can see all the bets that other players place.
- ➡️ Mini Baccarat – This is similar to the normal baccarat with the only difference that the betting time of 20-25 seconds is decreased to 15 seconds.
- ➡️ Speed Baccarat – This is a faster game of live baccarat, of around 27 seconds between deals.
Other Baccarat Bets
Similar to other games, there is an array of side bets that one can choose from to generate more money. Each side bet below is explained along with the possible payout.
- Perfect Pairs – This side bet will allow you to bet on the banker’s or player’s card potentially forming a pair.
- Sum Bonus – You will win with this bet when the combined value of both the banker’s and the player’s cards add up to a number that is below 5 or above 14. – Big/Small Here you bet on the total number of cards that will be dealt to one hand.
- Progessive – This bet has a progressive jackpot where you can bet on a number of different combinations.
- Tie Bonus – This bonus does not only win when a tie takes place, but also if a tie is missed by 1. Additional odds come into play if it is a tie.
- Egalite Extra Bonus – This bet can be placed on individual Tie Bets. If the game does not end with a tie, all egalite extra bets are lost.
- Dragon Bonus – Here you will bet on which hand you think has a higher value. The bonus is paid depending on the difference between both hands.
For a more in-depth guide, check out our other dedicated Baccarat Casino Bonus page.
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Live Dealer Baccarat FAQs
💡 Is it legal to play Live Baccarat?
Yes, it is legal and it is also considered safe to play at the above recommended casino sites.
💡 Do I need a strategy to play Live Baccarat?
The game is very simple, but you can always adopt a strategy. You simply have to bet on who you think will win between the dealer and the player, or whether it will end up with a tie.
💡 How can I increase my winning chances when playing Live Baccarat?
Like other games, this requires luck. However, if you manage your money well, you will be able to make the most out of your budget.
💡 How do I play Live Baccarat at online casinos?
You simply need to register to a casino site and go to the live casino section. Choose your preferred game of live baccarat and bet your money.
