Look no further for the best online baccarat casinos in Canada. Below you can find expert-recommended picks for real money baccarat, each with a generous casino bonus. Plus, keep scrolling to play the latest games for free!
Top online baccarat real money casinos
#1 Top Rated Casino
Accepts CA players
100% up to C$750 + 200 Free Spins + 1 Bonus CrabBonus
Play baccarat for free online with no download or sign-up required! Get a feel for the gameplay with our baccarat simulator games before playing for real money. To find more titles, head to our full library of 80+ free baccarat games.
Use our Casino Match feature to find your ideal baccarat online casino in Canada
Popular online baccarat variants
Punto Banco
Punto Banco stands for 'player-banker' and is one of the most popular baccarat variants in Canada. Payouts for Punto Banco will depend on the type of bet you place. A Punto bet will pay out 1:1, while a bet on Banco will pay 19:20 (with a 5% commission paid to the house). The third type of bet is to wager on a tie, also known as egalitie, which pays out 9:1.
A word of advice, the house edge for a Punto bet is 1.24% and 1.05% for a Banco bet, but is a huge 14.4%Â for tie wins.
This is simply a smaller, faster-paced version of the full game with no drawing or standing. Players are again betting on the player, banker or tie. The dealer has sole responsibility for shuffling the cards, and the game is played for lower stakes, which makes it more accessible for players.
As per the full-size game, a winning player hand pays out 1:1. A winning bet on the banker pays out 95:100 with a 5% house edge. Tie bets pay out 8:1.
No Commission Baccarat is played the same as classic baccarat but without the 5% commission on winning bank wagers. This means that bank wagers are even money bets and paid out at 1:1. On average, the house edge for No Commission Baccarat is 1.458% in an eight-deck game and 1.454% in a six-deck game, it's not too different from classic baccarat but the payouts and results are a little more predictable.
Live dealer baccarat lets you play the classic game with a real human dealer. For classic baccarat, the odds and house edge stay the same: player bets are 1.24%, banker bets are 1.06% and tie bets are 14.36%. Most online casinos will offer a range of 20+ live dealer baccarat games including Punto Banco, Speed Baccarat, Single-Play, Multi-Seat and more. Learn more in our full guide to live dealer baccarat.
In Chemin de Fer, each player takes turns being the banker. The banker is responsible for making bets and paying out wins – so there's a higher financial risk. There are three key outcomes: the player wins, the banker wins or a tie. Winning player bets pay out 1:1, but if a banker wins, they collect the losing bets and pay out winnings from their own bank. In the event of a tie, the bets are left on the table and paid out the following hand. However, Chemin de Fer is very rare to find at online casinos in Canada – even leading names like Evolution don't carry this game frequently.
3-card baccarat
This is a faster-paced game played with a single deck. The objective is to get the highest-scoring hand (and not necessarily closest to nine). The player and banker get three cards each, with no option for additional cards. Winning player bets pay 97:100 (with a 3% house edge), a winning tie bet pays out 25:1. And any additional bets on the dealer’s points total, if correct, will pay out 8:1.
Dragon Tiger
This is a simpler, two-card version of baccarat played similarly to punto banco. The player and banker (dragon and tiger) receive just one card each, with the aim of having the higher value card of the two. Players bet on which card wins, or on a tie. There are also additional side bets, for example on the likelihood of a suited tie. A winning bet pays out 1:1 with a 3.73% house edge. Tie bets pay out the usual 8:1, but be wary of the house edge on these bets, as it’s a very high 32.77%
Online baccarat games compared
Need help deciding? Use our table to compare which online baccarat game is right for you. If in doubt, our best advice is to start with the classic game which is offered by most online casinos in Canada.
Game name
RTP (%)
Best developer
Classic Baccarat
98.84%
Microgaming
Punto Banco
98.94%
iSoftBet
Mini Baccarat
98.76%
Platipus
No Commission Baccarat
98.94%
Evolution
3-Card Baccarat
98.9%
Ballys
Dragon Tiger
96.72%
Evolution
Editor's insight
Adam Ryan, Senior Content Editor
"Baccarat games don't make up a huge percentage of a casino's games library. For example, baccarat is around 2% of Spin Casino's total games. Why? My theory is that because baccarat has a low house edge, casinos are at a higher risk of players winning big. That said, you'll still find a nice range of live dealer baccarat games at any good online casino."
How to play baccarat: Your step-by-step guide
It’s essential to know the rules before you play online baccarat. You can read our full guide to how to play baccarat, but here’s a quick snapshot of how a standard game works:
1
Find a baccarat casino and select your game
2
Place a bet on either the player or banker’s side
3
Two cards are dealt to both the player and the banker
4
If the sum of either hand is eight or nine, no more cards are dealt
5
If either hand equals 0-5, a third card is dealt
6
The winning hand is the closest to nine
What are the rules of baccarat?
The aim is to bet on which hand will come closest to 9. Each player starts with two cards each. These are then summed together by the dealer. If necessary, another card will be drawn according to the 'third card rules'. The winning hand is the one that has a total of 9, or 8 if no hand reaches a 9.Â
What are third card rules for baccarat?
A third card is drawn if either the player or banker doesn't have a total of 8 or 9 (this is also known as a 'natural'). A player draws a third card if the initial two-card hand totals 0-5. However, the rules for the banker are much more complex.
For example:
If the banker's hand is 0-2, they draw a third card
If the banker's hand is 3, they draw a third card (unless the player's third card is an 8)
If the banker's hand is 4, they draw a third card if the player's third card is 2, 3, 4, 5, 6 or 7
If the banker's hand is 5, they draw a third card if the player's third card is 4, 5, 6 or 7
If the banker's hand is 6, they draw a third card if the player's third card is 6 or 7
If the banker's hand is 7, they must stand
Understanding baccarat card values
Nine is always the highest and 0 is always the lowest hand in baccarat. When your hand goes above 9, you need to add your cards together and only take the right-hand number. For example, if you have a 7 and 8, your score would total 15 – this would then become 5. Other card values you need to know are:
Aces are equal to 1
2-9 carry their face value
10, J, Q, K are equal to 0
Betting options in baccarat
There are three types of bets in a real money baccarat game online – the Player, the Bank, and the Tie. One thing to know is that baccarat has the lowest house edge of any other table game. What do we mean by house edge? It’s the advantage that the house has and the profit the casino makes over time.
Bet type
Odds
Payout
House edge
Player
45.86%
1:1
1.36%
Banker
44.62%
1:1
1.06%
Tie
9.52%
8:1 or 9:1
14.4%
Expert insight
Stephen Tabone, Author & Casino Games Professional
"To protect my bankroll, I only bet on the Player. For me, this is a safe baccarat strategy. When it’s a tie outcome I don’t lose. And I don’t have to pay commission on Banker wins. Sometimes I bet more on the Player hand when I think it may hit."
Real money vs free online baccarat
You can choose to play real money baccarat or play for free in demo mode. There are benefits to both – we'd always suggest playing free baccarat first and then graduating to a real casino game.
Real money baccarat
Online demo baccarat
You can play to win real money
There's little to no financial risk as you're not wagering real money
You can join live dealer games and play with real baccarat dealers
It's ideal for beginners who want to comprehensively learn the rules
Baccarat casino bonuses are available to boost your bankroll
It's perfect for advanced players too, who want to trial new strategies
You risk losing money if you don't have a budget set
Most online baccarat casinos offer a sign-up casino bonus to new players. This usually comes in the form of a deposit match. Each casino’s bonus will be different and include different expiry lengths and wagering requirements. We’ve created our bonus calculator so you can find the best promotions to play baccarat online and at live dealer casinos!
TipFind a high bonus amount with low wagering requirements – it’ll help you get the most out of your pot when you play baccarat online for real money.
Our team of expert reviewers at Casino.org carefully review each and every baccarat casino online. We consider several important factors in our casino review process when deciding whether to recommend a site.
Security & fairness
Your data and your bankroll should always be in safe hands. We check that casinos are regulated by reputable organizations like the Kahnawake Gaming Commission and the Malta Gaming Authority (MGA). And when it comes to your data, we look for sites with the best and most up-to-date SSL encryption.
🤔 Editor's insight: In Canada, another hallmark of a fair baccarat casino is if the games are audited by eCOGRA – an independent, international authority.
Baccarat bonuses
We compare the best baccarat bonuses to find the ones with the most value. For example, Just Casino offers a 100% deposit match up to $5,000, though baccarat only contributes 10% towards the wagering requirements. On the other hand, Zet offers a smaller $750 deposit bonus but with no card game exclusions. Our rating criteria weighs up all of this information to give you the best casino bonuses specifically for baccarat.
🤔 Editor's insight: A 10% contribution is super low. Slots typically have a 100% contribution rate, while standard table games can be around 25-50%.
Variety of baccarat games
At any quality online baccarat casino, we expect to see at least 25+ baccarat options. For example, Jackpot City offers a variety of baccarat games including live dealer options. These are all from top casino software developers like Evolution, Microgaming, NetEnt and more.
🤔 Editor's insight: Baccarat may seem like a less popular casino game, but Evolution alone offer 10+ variants including Live Baccarat Squeeze, Live Baccarat Control Squeeze, No Commission Baccarat, Speed Baccarat, Lighting Baccarat and more.
Mobile experience
The top casinos on our shortlist have apps for both iOS and Android with a minimum 4.0 score on the Apple or Google Play Store. We typically look for 95% of the baccarat desktop games to be available on the app version. If casinos don't have an app, we'll only recommend them if they can offer the same range of baccarat games in a mobile browser.
Customer care
Addressing players' needs should be a top priority at any high-quality casino. We expect to see 24/7 live chat for players in Canada, a valid email address and a phone number to contact. We also test the response rates and aim to recommend casinos that reply within 30 minutes to one hour.
Payment options
We like to see a good range of banking options at any online baccarat casino. Top scores go to the sites with 10+ deposit or withdrawal options including Interac, debit cards, paysafecard, cryptocurrencies, and more. It's also important that deposits and withdrawals are made quickly, without excessive processing times. Some of our top online casino sites process withdrawals instantly with no minimum withdrawal fees.
Baccarat, like nearly all casino games, is mostly a game of luck. However, there are a few strategies that players like to use that aim to improve their gameplay. Just remember – using a strategy doesn't ever guarantee a win, it just gives you a more focused way of betting. Below are the top picks from our players!
1
Martingale for baccarat
The martingale strategy works by doubling your bets after any losses. The rationale behind the strategy is that by continuing to double on each loss, the next winning bet will recover your losses and leave you in profit. Obviously, the Martingale system requires a large bankroll to keep doubling bets on losses. Also, be aware of betting limits - baccarat games don’t run indefinitely, and you could find that doubling your bets reaches the game limit before a win covers your accumulated losses.
2
Labouchere
The Labouchere or 'cancellation' strategy requires players to increase their bet with every consecutive loss. However, once you win, you reset the stake to your original bet. Similarly to Martingale, following Labouchere means betting more when you lose hands. Again, you need to be mindful of the financial cost of this baccarat strategy before you decide what works for you.
3
1-3-2-6
In baccarat, 1-3-2-6 is a number sequence strategy for determining the size of the bets you make in each hand of the game. With each winning bet, you progress up the betting sequence. If you lose a bet, the sequence begins again. This system is designed to maximize short winning streaks and minimize losses. However, you will incur a small loss if you lose on the first two bets.
4
1-3-2-4
The 1-3-2-4 baccarat strategy is similar to the 1-3-2-6 strategy, but without a hefty 6x wager. It again requires you to increase your wager each time you win a hand. After any losing hand you return to your original stake amount. The numbers represent the increase in stake. So after a winning hand on an initial bet you'd increase the stake 3x. If that hand wins you increase the stake again 2x, and then finally 4x. Assuming no hand loses, the sequence then starts again.
5
Paroli
The baccarat Paroli strategy is one of the few positive betting systems. Positive means you increase (in this case double) your bet each time you win. The Paroli sequence of bets is 1-2-4, and after a loss you go back to 1 and restart. It’s advisable to stop doubling after the third bet, as there’s a risk of running into the red if you push your luck too far and your winning streak ends. Simply start the sequence again. There really isn't much more to it.
6
Fibonacci
To use Fibonacci for baccarat strategy, your stake amount is multiplied by a number in the Fibonacci sequence (1, 1, 2, 3, 5, 8, 13, 21, 34, 55, 89), where the next number is the sum of the previous two. You work up through the sequence in each hand of the baccarat game. If you start with a 1x wager, a losing hand means you’d bet 1x in the next, and the next hand would be 2x. A winning bet moves you back by two numbers in the sequence. Again, remember that this kind of system requires you to wager more when your bets are losing. The goal is to cover losses with an eventual win, but you’ll need a bankroll big enough to fund this betting style.
Baccarat tips for beginners
To help you get the most out of your online baccarat game, our experts have listed a few quick tips to keep in mind.
Avoid the Tie bet
Tie bets are the outcome approximately 9% of the time in baccarat. Though this bet type offers much higher payouts, it's known to be fairly rare. Your best bet is to wager on a Player or Banker bet for a higher chance of winning.
Bet on the Bank
Player bets have a 44.62% of winning while Banker bets have odds of 45.85%. It's a tiny fraction more, but betting on the Bank could be worth your while. That isn’t to say that making bets on the Player is a bad bet – either is still a safer choice than a Tie.
Choose games with fewer decks
Most online baccarat games will offer six or eight-deck games. However, some casinos will even offer four-deck games. This won't change the house's edge too significantly, but it will minorly increase your chances of winning when playing baccarat!
Play baccarat online for free first
If you're new to the game, try playing free baccarat games first. You can master the rules and make mistakes without risking real money. Plus, you can test out different betting strategies and see what your preferred betting style is.
A quick history of baccarat
As one of the oldest casino games, baccarat has a very interesting past. Our quick history takes you through everything, right up to the sophisticated online baccarat gaming we enjoy now.
Baccarat is said to be one of the world’s oldest casino games, and was allegedly created by an Italian gambler named Felix Falguiere in the middle ages.
Although its exact origins are unclear, the first written records of the game are from the 19th century, when it was especially popular with the French nobility.
By the end of the 19th century, the game had found its way to the USA, as Europeans made their way across the Atlantic. But it wasn't until the 1950s that it gained popularity in casinos, with the variants punto banco, baccarat banque, and chemin de fer being widely offered.
Nowadays, you'll find many different variants available both in land casinos and online. Most online casinos will offer a selection of baccarat games, with live dealer baccarat often a popular choice for players.
Play online baccarat responsibly
Online baccarat is meant to be fun. Casino.org always promotes responsible gambling when advising on online gaming. In addition to our comprehensive guide to responsible gambling in Canada, you can use the links below to learn more. Stay safe whilst playing slots with these key organisations and services for gambling addiction in Canada
Provides thorough advice on tackling problem gambling. They advocate for safer gambling practices in communities globally and reveal fresh insights into the effects of gambling on players. Call +1 416-499-9800.
A great resource for finding the right provincial helpline for problem gambling. It’s an independent, knowledge-based, charitable organisation dedicated to the cause of safety. Call +1 613-739-1566.
Offers guidance on identifying the signs and symptoms of gambling problems. As Canada's largest mental health teaching hospital, it establishes benchmarks for healthcare, research, education, and driving social change. Call +1 416-535-8501 and press 2.
Baccarat FAQs
Can you play baccarat online for real money?
Yes, you can play baccarat for real money in Canada. Most online casinos will offer up to 25 baccarat games. Our top casino recommendation for this month is MafiaCasino – find more using our shortlist above.
What is baccarat?
Baccarat is a casino card game where two hands, the player and the banker, compete to score the closest to nine. Contrary to popular belief, it’s one of the easiest casino card games for new players to learn. In many ways similar to blackjack, baccarat features a player and a banker, with each being dealt two cards.
What’s the goal of baccarat?
The objective of baccarat is to achieve a hand with the closest value to nine, beating the banker's hand. No hand can be valued above nine, so if the total of your hand exceeds this the score drops its first digit. Thus 12 becomes two, 18 becomes eight, etc. Bets are made on either the player, banker, or a tie.
What are the odds of winning at baccarat?
The odds of winning baccarat are a little shy of 50/50. The player hand wins 44.62% of the time and the banker’s hand wins 45.85%. The average payout percentage for baccarat is around 98%, giving the player fairly decent odds against the house. The bets with the highest odds of success are on the banker or the player. Bets on a tie are much less likely to win, although the payout is much greater.
Is baccarat a game of skill or luck?
No, baccarat is all based on luck and the only choice you make is what you bet on when playing. As long as you place a bet on the player or dealer hand, you have a decent chance of winning with each round.
What is the best baccarat bet?
Betting on the banker hand is the safest baccarat bet. It has the best chance of winning and offers a higher return to player. It's also worth bearing in mind that while a bet on the bank does have this slight advantage over bets on the player, there is a commission that must be paid on winnings made from a bet on the bank.
Are online baccarat games rigged?
No. At all good casinos, such as those recommended on our site, a random number generator will be used to draw cards. If you're unsure whether a casino is operating fairly, look out for a seal from an independent auditing body such as eCOGRA. If you're wondering about house edge, you should be able to check this on the casino's site before you start playing.
Is there a trick to baccarat?
No. There's sadly no easy trick to win at baccarat. This is a game of chance, so it's not possible to win every time no matter how you play. However, you can follow our top baccarat tips to improve your chances and have more fun along the way.
Adam's been with Casino.org for ten years now. With a penchant for games and strategy, he’s something of a content sage when it comes to casinos in the US and Canada.
We may earn a small commission from some links, but Adam's trustworthy insights are always impartial, helping you make the best decision.
Scott Roeben checked all US casino details on this page. Scott established Vital Vegas in 2013. It's the foremost authority on Las Vegas news and insight. Scott's recognized by numerous national and international media outlets as the leading authority on all things Las Vegas. He previously authored the Pulse of Vegas Blog for Caesars Entertainment, the world's largest gaming company. He also had a stint on the team at LasVegas.com for several years.
