In another article we have described the most popular Baccarat type – Punto Banco. It’s played across the majority of both online and land based casinos in the UK, USA, Canada and even Macau. Punto Banco differs from other casino table games, as it doesn’t include any skill factor and is played against the house. The dealer, who works for the casino, is dealing all the cards and following a fixed set of rules. To find more about this visit our Punto Banco page, where a detailed explanation of these can be found.

The game limit for the Baccarat game is a minimum chip value of $1 and a maximum chip value of $250. How to Play Baccarat The Baccarat game has some standard features that define how you will play. The card symbols in the Baccarat game have points attached to them. Cards that are between Deuces and Nines have a value equal to their face value. EZ Baccarat® EZ BACCARAT IS THE MOST POPULAR BACCARAT BRAND WORLDWIDE. Sophisticated players from all over the world make EZ Baccarat, the most popular brand in baccarat, and the go-to game by Asian players in the United States and Canada. EZ Baccarat is a game that takes no commission and features the fantastical Dragon 7 and Panda 8 side bets.

However, there’s way more in Baccarat than Punto Banco – Ez Baccarat, Punto2000/Super6, Chemin De Fer and Baccarat Banque, are just some of the wide variety of game types out there! Before we go into more detail about each of these types, lets refresh your memory with bet types and house edges, that are available in Punto Banco version of Baccarat:

The Player – a bet type predicting that ”the player” will reach highest hand value. Pays out at even odds (1 to 1). Features a house edge of approximately 1.36%
The Banker – a bet type predicting that ”the banker” will reach highest hand value. Pays out at 19 to 20 odds (5% commission). Features a house edge of approximately 1.05%
Tie – a bet type predicting that both, ”the player” and ”the banker” will have equal hand values in the end of a hand. Depending on the payout odds, features a house edge from 4% to 14%.

So, we’ve refreshed memory a little bit and it’s time to check other Types of Baccarat :

EZ Baccarat

Ez Baccarat is a slightly different variation of the normal game of Baccarat. While the drawing rules are equal to these offered at Punto Banco, ‘the bankers’ payout is improved. Instead of getting a payout at odds of 19 to 20 as it is in classical Baccarat, EZ version pays out at even odds (1 to 1).

Before you jump out of your chair and start to clap hands, I have to tell you that this isn’t the type of Baccarat, where you’ll hold an edge over the house. How come? Well, if the banker wins with a total point count of seven and holds three cards, it’s considered a push, meaning that you don’t get paid. This translates into around 4.9% equivalent commission taken, thus you can clap those hands a little, as the house edge in EZ variation is slightly smaller than in normal one – 1.018%.

There also are two unseen side bet options – Dragon 7 and Panda 8. The first one predicts that the banker will hold a total point value of 8, using exactly 3 cards. It also has to win, in order for your bet to win, so if the player reaches 9, you still loose. The Dragon 7 pays out at 40 to 1 odds and features a house edge of 7.61%.

Panda 8 can be won in the opposite way, compared to the Dragon 7 – player reaches point value of 8 using 3 cards and wins the hand. Panda features a payout odds of 25 to 1 and a large house edge of 10.17%.

Punto2000/Super6

This is a slightly adjusted variation of Punto Banco, which pays winnings for ”the banker” bets without any commission, compared to 5% in classical Baccarat. However, when the banker wins with 6, you loose half of your bet and get 50% of it back. There are many names for this baccarat type, but most known is the Super6 Baccarat.

Super6 sees a slight increase in house edge, when ”the banker” bet is done – 1.48%. Regular baccarat featured an edge of 1.05%. While there is not an obvious commission for ”the bankers” charged, rule of 6 translates into a 5.87% commission, which is actually slightly worse than the 5% standard commission.

Super 6 can only be found in land based casinos, which prefer it as there’s less hustle with commission calculation and so on. We’ve never seen this variation in an online casino, so if you have please get in touch!

Chemin De Fer

This is a version of Baccarat that was introduced in France and it’s believed to be the original one. Chemin De Fer is still enjoying quite a bit of popularity in its homeland. Chemin De Fer Baccarat, which is iron road or railway in french, got its name because the cards used to be held in iron boxes.

Before the game of this Baccarat type starts, six card decks are shuffled and players are seated around an oval table, usually in a random order. While there is a dealer or croupier in this game, players shuffle the cards themselves, once the game starts.

Once gameplay begins, one player is determined as ”the banker”, while rest are ”the punters”. The banker also deals cards and has to figure out an amount of money he would like to risk (bet). Once this is done, the action starts and players act clockwise. Each player has an option to go ”bank”, which stands for matching the amount wagered or alternatively, they can make a wager by their own desires. If a player has gone ”bank”, none else can make a wager. This goes on until the amount of wagers by the punters equals and matches ”the bankers” wager.

When all the wagers are done, the banker deals four cards face down – two to himself and two to the punters. Punters are playing as a team, one who has made the higher wager, is usually leading the action and making decisions for the whole team. The banker and punters now proceed by looking at their cards, if either one has an 8 or 9, cards are opened and hands compared. Otherwise, punters now decide whether to take the third card or not. After the decision is made, the banker does same. In the end, when all action has closed, cards are opened and hand values compared. If the banker wins, he takes all the wagers made, alternatively, if the punters win, they share the wager made by the banker. This is done following the amounts each had wagered before the hand started.

After a single round has ended, bankers ‘title’ goes to the next player who sits clock-wise from the previous banker. This is certainly an exciting type of this game, but unfortunately it’s mostly unavailable or played in closed clubs.

Let’s get one thing straight – there is not one single surefire Baccarat strategy guaranteeing you wins. Anyone who claims they have cracked the Baccarat code is either a Trump supporter who yells at kids to get off their lawn or a self-righteous and self-proclaimed “expert” lacking the bankroll to back up him boasting his uncanny skill and technique. And although there’s not really one foolproof strategy per se, considering how much based on the chance the game is, there are some rules you can follow to ensure a pleasant time at the Baccarat table.

How to Play Baccarat – The Rules In a Nutshell

First and foremost – learn the mechanics of the game. Make sure you know the rules, how the cards are dealt and what their value is. It can be boring learning all the intricacies like when the player stands and when the banker hits but if you’re betting your money, you need to have a complete understanding of what’s going on.
Despite the fancy suited high-rollers we’ve come to associate with Baccarat, it doesn’t take the intellectual prowess and deductive reasoning of a British Secret Service agent to ace it. In fact, this is probably the most straightforward game you can play at a casino. Despite all the prestige surrounding the game, it’s really nothing more than a coin toss, so once you’re familiar with the terms and bets, you’re all good to go. To prep you up for a night at a glitzy land-based casino or a game at an online live table, here’s a crash course on how to play Baccarat.
Baccarat is played at large kidney-shaped tables that can sit 12 players and two dealers, plus a caller. In front of every player, there are two fields – Player and Banker. Each player places their bet before the cards are dealt and chooses whether their wager goes to the Player hand or the Banker hand. There is also a third option – Tie if the Player and Banker’s hands have equal value. The version of Baccarat played at American casinos is called Punto Banco which stands for Player and Banker. After all players have placed their bets, the Player and the Banker are each dealt two cards. The hand that wins is the one that’s closer to a total of 9. So, if the Player hand is 8 and the Banker hand is a 3, the winning one is the Player and all punters at the table who have placed bets on the Player hand, win. If the hands are equal, it’s a loss for everyone who has bet on Player / Banker and a win for all that have bet on a Tie.

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The Good, the Bad and the Player – Baccarat Bets to Make and Avoid

The first step towards winning is to avoid the Tie bet. Not that we don’t like it or anything but if you’re in it to win it, then wagering your money on a bet with a 14-percent house edge is not exactly a surefire winning strategy. Next, you need to know the odds – although it seems pretty straightforward having only two options to bet – either Player or Banker, there are slightly different odds for the two as follows:

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• Banker – 45.843%
• Player – 44.615%
• Tie – 9.543%

*There’s also a commission on the Banker bet so make sure you’re familiar with these before placing a wager.

The Banker Bet

With its higher odds, the Banker bet seems like the most reasonable choice when designing a Baccarat winning strategy. Experts will advise you to bet your money on it because it has been estimated that it will win more than 50% of the time – one of the reasons casinos add the 5% commission on it. Despite this being added, it’s still a preferred choice for many players – both newbies and seasoned pros who swear by it. Experts will also recommend that you keep betting on Banker until it loses as it has a better chance for winning streaks and that you wait for at least one bet after a Banker loss before switching to Player.
A good thing to always keep in mind is that hot/cold tables and winning/losing streaks are pure myths born by the gambler’s fallacy that in even odds bets after many consecutive outcomes of the same results, the opposite one is just bound to happen. There’s absolutely no mathematical or any other proof of such co-dependency so we advise that you don’t employ such practices.

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The Player Bet

Although the Banker bet is typically assumed as the better option, it’s a bit different when you’re using a strategy. Considering the commission on the Banker bet, it will be less lucrative when you’re using progressions. Let’s say, you’re playing Martingale – you are doubling your bet after every loss. After four consecutive losses at a 10-unit wager, you’ve lost 150 units (10 + 20 + 40 + 80).
You bet on Banker again and this time you wager 160. Finally, you win and the total payout is 304 units. That’s the 160 stake plus the 160 win, minus the 5% commission. The total amount wagered was 310 (10 + 20 + 40 + 80 + 160) which means that even though you’ve won, you haven’t covered your losses and due to the negative progression and the bet commission, your net loss is 6 units. A similar streak of losses while betting the Player hand would have given the expected 1 unit of profit, that is 10. Despite its lower odds, it’s the better option when playing with systems.

The Tie Bet

Baccarat is known as the casino game with the lowest house edge, however, the Tie bet can definitely tarnish its reputation. The Banker is recommended for its low edge of 1.06%, the Player is also a good option with a house edge of 1.26% and then there’s the Tie bet – standing at the staggering 14.4% house edge, defying logic and critical thinking. Naturally, it’s not a good call to place your money on a bet that has less than 10% odds and the possibility of paying back only 14 units per very 100 units wagered. That’s why the most logical thing would be to avoid it and play as if it doesn’t exist. A tie is a push, so your wager will just wait for the next round. If you’re following a streak and you get a Tie, simply don’t count it and keep playing accordingly.

Practice Baccarat for Free

You can test this experts’ advice in our demo game and see for yourself whether betting successively on Banker yields the highest winning potential. Play for free Baccarat by Pragmatic Play and use its features to hone your betting strategies. The game follows standard baccarat rules and has payouts as follows:

• Player Win – 1:1 (Even Money)
• Banker Win – 0.95:1 (with 5% commission)
• Tie – 8:1 (in case of Tie, Banker Bet and Player Bet are Push)

Played with eight decks, this version keeps history of the last twenty results indicating B for Banker, P for Player, and T for Tie. You have also options to rebet or place different bets before each new deal. With a betting range of 1 – 100 and 500 free credits, the game will also allow you to test out some of the progressive betting systems described below.

Using Betting Systems in Baccarat – It’s Not Stupid if it Works

Some practices used in other table and card games can also be applied to Baccarat. Both simple strategies like the D’Alembert and more sophisticated ones like the Labouchere system can serve your purpose of beating the odds at Baccarat. Positive progression systems like the Parlay and Paroli or negative progressions are also applied by players. To find out how you can use popular betting systems like the Fibonacci progression or the 1-3-2-6 system, read more details about Baccarat betting systems on our dedicated page.

Positive Progressions

Using a positive progression system means that you increase your bet every time you win and reduce it after a loss. Positive progressions are considered to be less damaging to your bankroll than negative progression betting systems. They are supposed to help you maximize your winnings if you go on a lucky winning streak and keep your losses to a minimum if you end up having consecutive losses. In theory, they do make sense and it is possible to win more money if you get a series of winning outcomes and soften the blow to your wallet in case of several consecutive losses. Positive progressions do not influence your chances of winning or losing a bet and are generally no risk at all.

Negative Progression Systems

Negative progressions are just the opposite of positive progression systems and can actually be harmful to your bankroll. In essence, they postulate that you should increase your wager after every loss and reduce it after a winning bet. At first glance, they seem logical and it’s easy to see why some gamblers will be tempted to try them. The theory behind them is that when you increase your bet, eventually your win will be big enough to cover your losses.
A closer look at how they work will reveal all the problems about such betting practice. There’s a very real risk that you will eventually run out of money, especially if you’re doubling your bet. Besides, there’s the bet limit of the house you need to consider – even if you have enough money to keep betting, the cap of the bet amount will prevent you from placing a wager big enough to cover your losses. Unless you’re very experienced and know exactly what you’re doing, such systems can be a recipe for disaster.

Flat Betting Strategy

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Unlike positive and negative progression systems where you have to alter the amount of your bet, a flat betting strategy for Baccarat means that you will be repeatedly placing the exact same wager in successive rounds of play, regardless of whether you lose or win. This approach is considered advantageous due to the lower risk in case of a losing streak. But how can you win more using a flat betting strategy? The best way to profit from the flat betting strategy is to determine correctly which hand will win, Banker or Player, with the accuracy higher than 50 percent. Using the flat betting strategy means that you will place the same amount of bet on every hand. While this is an effective way of minimizing the risk, it doesn’t guarantee big wins. It’s useful if you’re still getting used to the game and not very certain of the rules.
What are the benefits of using the flat betting system instead of the negative or positive progressions?

• Flat betting offers higher chances of actually making a profit.Since you don’t double or increase your bet in flat betting, there’s a smaller risk of overspending. Not adding more money to your wager reduces the risks of bigger losses and presents a better chance of making a profit.
• You can bet more. Flat betting gives you the option for more bets at a lesser value since you don’t double the wager neither after a win, nor after a loss, the way you would in progression systems. You can bet more money because you won’t make big losses due to doubled bets.
• You can use it if you’re not very well versed in the rules. Flat betting is suitable for beginners because of its simplicity and lower risk. You don’t need to make calculations and you can apply it even if you’re not familiar with the rules like drawing additional cards.

If you’re interested in utilizing a betting system, flat betting is the only way to do it without the risk of losing more money than you can afford. Experts advise against using negative progressions and are sceptical about positive progressions as well, so it’s not a good idea to chase after other strategies if you can gain an advantage over the game by using the flat betting system. It doesn’t guarantee a sure win but it is an effective way to increase your odds if you manage to predict the outcome of the round. Even if you don’t, you don’t risk losing a lot of money.

*Flat betting example

Card Counting in Baccarat – Close to Impossible but Still an Option

Card counting has gained enormous popularity at Blackjack ever since Edward E. Thorp published his 1964 bestseller Beat the Dealer. It’s a method that has proven to be lucrative for players who have used it successfully to beat blackjack. But of course, it’s not just the players that caught on to it – the casinos are well aware of it and now blackjack tables are the most closely watched ones, with suspected card counters often being barred from betting or asked to leave the premises. But gamblers won’t let their practice go to waste so they turn to the next best thing where they can continue to hone their skills – Baccarat.
Yes, Baccarat card counting is a thing and might as well be the reason why Baccarat is likely to replace blackjack as the most popular casino game. Although theoretically, you can beat Baccarat by counting cards, the edge you get will be so small that it might not actually be worth your time, considering how much more complicated than card counting at a game of 21 it is. Still, if you have the time and dedication to try and learn it, we have the complete Baccarat card counting guide to help you.

Money Management Is Crucial

If you decide to use progression systems, you need to exercise strict control over your budget. Any system that requires you to increase or double your bet is a pitfall that you’ll have hard time getting out of. Whatever systems you’re using to play online baccarat at the best online casinos, be it the Paroli, Martingale, Parlay or any other, never spend more money than you set out to. Baccarat is a chance-based game, you can never predict with certainty whether you will have a winning or a losing streak. Don’t go chasing your losses and remember the golden rule – quit while you’re ahead.

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Plan your budget – decide on your wager and put a limit on the total sum you’re willing to bet. If you decide to make your wager $10, allow yourself a $200 bankroll and if you lose it all, simply walk away. Take time until the next session. It’s nice to leave the table a winner, but gambling is inherently unpredictable. The worst strategy would be to start chasing your losses or fall for some of the erroneous motivators behind gambling like:

• near misses: being very close to winning but not actually winning and continuing to wager with the assumption that the next round is due to be a win.
• the illusion of control: being able to roll the dice, spin the ball at roulette, or squeeze the cards in baccarat will give you a false sensation of exercising control over a game purely based on luck.
• the gambler’s fallacy: the wrong and unsupported conviction that after a series of the same result or a losing streak, the next one will be lucky and with the winnings, you’ll be able to even out.

Having Fun and Staying in Control Is the Best Strategy

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All of these are misconceptions that are actually the first signs of compulsive gambling. We have an innate aversion to loss but we have to accept that in a tight game like baccarat, the chance is the deciding factor. Stop playing when you’ve spent your budget, regardless of whether you’re winning or losing and give yourself some time before you go back to playing. If you’re winning, split your win in half and use only that to keep playing. Even if you lose it, you still walk away with a profit. Remember that gambling is an entertaining activity – enjoy the fun and social aspects of it and stay in control of your bankroll. Now, that’s a strategy that always works.

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