Online Baccarat Real Money Guide for Australia

Baccarat, which is also commonly refered to as baccara, is a comparative card game that is mostly played at online casinos. Baccarat is played between two different hands, the player’s hand and the banker’s hand. 

Each round in Baccarat has three potential outcomes: the player wins, the banker wins and the tie between the two opposing sides.

The most popular variants of Baccarat are punto banco (also called North American baccarat), chemin de fer baccarat (or just chemmy) and banque baccarat (often refered to as a deux tableaux).

Here, however, we will explore the mainstream version of Baccarat, which was first pioneered in the 19th century.

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In Australia, Baccarat is amongst the most popular online card games, although it falls behind online pokies, roulette and blackjack. It is available in all online casinos in Australia, which also tend to offer some popular variants of the game; check below the best online baccarat casinos in 2023:

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Baccarat Insights & Background

19th century

Baccarat used to be very popular amongst the French nobility since the early 19th century. More than a hundrend years before rise of online casinos and a few years before land based casino halls were legalised in France – baccarat was one of the most popular card games within private gaming rooms.

Chemin de Fer

Baccarat Banque is considered to be the earliest form of this game, which was played between three people. Chemin de Fer followed a few years later as the two version of the Baccarat banque.


Nonetheless, Baccarat Punto Banco, which is the closest to today’s version of Baccarat, emerged after 1940s in Havana. In this baccarat variant, people could bet on whether the player or the banker will win – which is very similar to today’s mainstream baccarat variant.


Today, Baccarat is considered to be one of the card games that accounts for most of the revenue in US land based casinos. In 2012, 18.3% of the overall casino card game revenue in Nevada was generated by Baccarat; this number tripled in the following two years, which is strong indicator that the status quo amongst casino games is shifting rapidly.

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How to Play Real Money Baccarat Online

Playing baccarat online is pretty straightforward. The three possible outcomes of the game is the player to win, the banker to win or a tie between the two parties. The dealer does all the work and the player’s only job is to guess the outcome correctly. 

The players can bet on the player’s hand, on the banker’s (dealer) hand or on a tie. The cards from Ace to 9 have the same value as the one they reflect, while all the higher cards have zero value. 

After the bets have been placed, the dealer hands out two cards facing up; two cards are dealt to the player and two are dealt to the banker. Whoever has a hand closest to 9, wins. The winnings on the player and the banker are 2:1. 

New players have to remember that on almost all baccarat games, the banker’s hand pays 95% of your total bet. 

Another important point is that if the two cards that are dealt have a total sum of over 10, then the two are added together and the first digit is dropped to produce the final card that will be counted to define who won. An example of this is when a player is dealt 2x8s; the total is 16. You drop the 1 and the number left is 6.

Online Baccarat Rules

To be able to master baccarat, you will need to remember all of the rules below:

  • If the cards dealt to either the banker or the player are a total of 9 or 8, then both of them stand.
  • If the total of the player’s hand is 5 or less, the player can receive another card or stand.
  • If the player, however, chooses to stand then the banker hits on 5 or less.
  • If you bet on a tie and you guess correctly, then the payout is 8:1. 

You can keep track of the outcomes across the rounds using the sheets provided on the baccarat table.

Winning Tips and Strategies for Baccarat

As with most card games that you can play on online casinos, in baccarat too, the chances of winning are affected by the strategies employed by bettors. If you want to play baccarat for real money, then it would be wise to spend some time to master baccarat strategies. 

First, however, we will begin with some basic tips that can be employed by newbies, but as your read on you will also find advanced strategy tips that can be implemented when playing baccarat games.

Understand baccarat game odds

Although this is an obvious tip, many players start betting without being aware of the winning potential of each of their bets. The normal odds in baccarat for the player’s side is 1:1 and the tie 8:1. The banker’s bet can vary from one online casino to another due to the commission they tend to charge on this bet.

Stop betting while you win

This is the best tip you can use indifferently to the casino game you are playing. If you have been playing baccarat for a while and you don’t have a particular target, you will probably end up losing everything. Set a target and when your bankroll reaches that point, then it is time to log out from your online casino account and take a break.

Don’t play for many hours

Short betting sessions always have the best results. Enter the table with a strategy in mind, play hard as long as you are there and then get out. If you start winning, you will definitely have second thoughts, but you must stick with our baccarat tip.

Play free baccarat

If you pick one of the online casinos that we suggested above, you will be able to play baccarat in a demo version. This will allow you to practice some strategies, get the hang of the game and also enjoy some online baccarat games without spending any funds!

Always bet on the Player

You will find that many people suggest betting on the banker; we believe that the player bet has better odds, as there is no commission included.

Count cards

This is the best advanced strategy to make real money in online baccarat. When employing this approach, you must always pay attention to the cards that have been dealt and count how many low value and high value cards are left on the deck. This will help you decide on whether to bet on a tie, on the player or on the banker’s side.

Know when to use progressive betting strategies

If you are new to baccarat, it would be wise to stay away from progressive betting strategies. These can result in huge money loses. However, if you are after a particular amount and have set a bankroll, you could as well employ a progressive betting sequence.

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Players tend to often have pretty similar questions in relation to online baccarat. We will try and answer them in advance for you.

Can you play baccarat online?

Baccarat was initially played on brick and mortar casinos, but since the 21st entury the majority of punters play baccarat online. 

To play, you will first need to find a baccarat online casino. Most sites tend to offer this game, as it is one of the most popular in the world. Then, you would need to register and open an account; it is up to you whether you follow the KYC procedure before you deposit or when you want to withdraw funds.

The next step is to deposit some funds to your account. Most casino sites tend to have a minimum limit of 10$. After you select a payment method and deposit, you are ready to start playing real money baccarat games.

How can I win real money at baccarat online?

In all online casino games, as in online baccarat, there is a house edge. This means that the player has less chances to win over the casino.

However, the house edge does not mean that you can’t win in the short term. To make some real money you can follow the tips below:

  • Always bet on the Player’s side
  • Set a target bankroll and if you reach it stop playing
  • Use progressive betting strategies right on and stop betting when you reach your goal
  • Avoid the banker’s bet, as it has high commission

Can you win money playing baccarat?

To win real money when you play baccarat online, you will need to register and deposit some money first. Avoid casino sites that offer ‘free’ play options and scammy sites.

You can go over to our casino list, select one of the best online casinos in Australia and make a deposit.

If you are lucky or if you follow our tips and strategies succesfuly, then you might win some money on baccarat. When you do, you are free to withdraw this money back to your account and emerge victorious.

Which are the most popular baccarat variants?

Baccarat is one of the most popular casino card games; this has inspired the casino game developers to create a variety of other baccarat games. The most popular are:

Mini baccarat – in this version the number of players who can participate is a maximum of 7.

Lightning baccarat – this is a very popular variant, as it allows players to make money much faster. The opposite can also occur though.

Live baccarat – most people tend to play baccarat online versus a bot. The live version, however, offers a very realistic experience indiferently to where you are.

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