Online Baccarat Canada

Playing Baccarat online in Canada can be done at most online casinos. Whether you want to play free baccarat, or you want to play for real money, the online casinos we recommend have you covered. For those that don’t know, baccarat is a casino card game where you bet on your hand, the banker’s, or a tie. Generally considered a game of class, baccarat draws it’s origins from French nobility. While there is some chance involved, baccarat strategy can help increase your odds of winning. Below our Maple Casino team discusses how the game of baccarat works, what the odds are, and the different baccarat variations.

Casinos in Canada that offer Baccarat Online

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History of Baccarat

Black and white drawing of people playing baccarat

Rumored to have been created by King Charles VIII, baccarat dates back to the 1400’s in Italy and France. In fact, with baccarat online, your casino likely has you playing a variation of Italian baccarat. While the game had long been popular with the rich, it didn’t find its way into casinos until the 1980’s. From there, as it gained in popularity, the game became more accessible. Fast forward to today where pretty much every online casino has some version of baccarat. In fact, many will allow you to play baccarat for free; which is something you’d never get to do at a land-based casino.

How Does Playing Baccarat Online Work?

In order to get the most out of baccarat online, you should understanding its rules and strategies. So, we’ve broken it down for you. The game of baccarat can be quite exciting and even comes with the potential for lucrative payouts. However, it can be unforgiving if you don’t take the time to learn it.

Your goal, as a player, is to hold a hand that equals or is as close as possible to 9. In this casino game, you also don’t want to be holding a hand that equals zero. There’s more to the game of baccarat than that though. Your average game of baccarat at a casino will look like this:

Place a Bet

The game starts with you placing a bet on your own hand, the banker’s hand or a tie.

The Deal

Two cards are dealt to both the player(s) and the banker, face down.


All cards are revealed and the total value for everyone is announced.

Instant Win

If either the player or banker’s hand reaches eight or nine points, that score wins the game.

3rd Card Rule

In the event that your hand totals between zero and five points, you will be dealt an additional card.

3rd Card Rule
Regardless of the online casino, when it comes to the 3rd Card Rule in Baccarat, there are certain rules for both the player and the bank:

  • If the value of your hand/the bank’s is 8 or 9 then no third card can be drawn. Like blackjack, this is known as a “Natural”.
  • When your total hand value is 5 or less, then you are given a third card. In some variations of baccarat, you don’t have to take that third card.

At the casino, there can be numerous players betting at the same table in baccarat. This is less likely when you’re playing baccarat online. As mentioned above, you are able to bet on the player’s hand, your own or a tie. Ties in baccarat generally pay out at 8 to 1. But, we’ll discuss those odds later on.

Baccarat Card Values

The hand values in baccarat are similar to other casino games like poker or blackjack, except when it comes to the 10, Jack, Queen and King.

  • 2 to 9 — Equal their face value
  • 10, Jack, Queen and King — Equal to 0
  • Ace — Equal to 1

To add the total of your hand, you add the value of the cards and then drop the ‘tens’ digit.

Ex. 5+6 = 11 which in turn = 1.


Ex. 5+5=10=0

Holding a total of zero is considered to be “Baccarat”. When played online, baccarat usually uses 8 decks of cards.

Online Baccarat Odds

If you’ve ever played baccarat, odds are you’ve wondered what the house edge is in the game. It varies depending on how you bet. Similar to other casino games, the house has an advantage because the casino needs to make money too.

Bet House Edge
Banker 1.17%
Player 1.36%
Tie 14.4%

The baccarat odds are against you when it comes to tie bets at an online casino. Tie bets occur around 9.55% of the time, giving the house, in baccarat, a huge edge.  Baccarat’s odds are better with non-ties as the banker wins approximately 50.68% of all non-ties. That leaves a 49.32% chance that the game will be won by you, the player.

As you can see, for baccarat, the house edge on a tie is massive in comparison to a banker bet or player bet. That’s why when you’re playing at an online casino, it’s in your best interest to bet on them instead of the tie. It’s a smaller payout but a much safer bet.

Baccarat Game Variations Online

When playing baccarat at an online casino, you should know which version of the game you’re playing. Each comes with it’s own unique rules that in turn affect your baccarat odds.

Punto Banco (USA, UK, Canada)

Screenshot of online baccarat?player wins w/ 8 vs 2

Punto Banco, the version you’ll see at most online casinos, is simply a game of luck and chance. This is due to the player’s moves being forced by the cards dealt. The translation of ‘Punto Banco’ is ‘Player vs. Banker’. Punto Banco is the preferred version of the game in North America. This version of the game is played the way we described above.

Smaller Variations of Punto Banco Baccarat

Super 6 / Punto 2000 Super 6 / Punto 2000
EZ Baccarat EZ Baccarat
Mini Baccarat Mini Baccarat

Chemin de Fer

This is France’s preferred version of the game of baccarat and what you would find in French casinos. It’s also the original baccarat game.

Played differently than Punto Banco at an online casino, this baccarat game involves six decks of cards that are shuffled together. One player becomes the banker, and the rest become “punters”. Just like the blinds in poker, the role of banker is passed each game. The banker then makes an initial bet, which can be met or exceeded by the punters. At this point, the player with the highest bet is elected to represent the rest of the punters.

Both the banker and the chief punter receive 2 face down cards. If neither has an 8 or a 9, the elected punter can choose to take a third card, or stay, similar a casino game like blackjack. The general rule is:

  • If you hold between 0 and 4, you take a third card.
  • When you have between 6 and 7, you refuse the third card.

In the case of a win for the punters, the casino pays out all wagers at 1:1 and the banker changes. However, if the banker wins, then all wagers would go to the bank, and the position stays the same.

Baccarat Banque

This 3-deck variant of baccarat involves a banker that stays in place. Unlike Chemin de Fer, there are two punters with cards in this baccarat game, one to the left of the banker and one to the right.

This allows for up to five punters on either side of the banker, along with bystanders—non-players betting at the casino on the game’s outcome. Winning is the same, and the casino still pays out to the winners. But, betting in this version of baccarat has a few nuances not seen in other baccarat variations.

  • The player that bets the most becomes the banker.
  • Bankers must bet enough to cover the other player bets
  • After the banker has bet in Baccarat Banque, the players then bet.
  • If the players’ bets exceed those of the banker, then the banker has the option to match bets.

After this, normal baccarat rules will generally apply, regardless of the online casino you are playing at.

Online Baccarat Glossary

Baccarat Term Definition
Banco Bank
Bankroll The money a client sets aside to gamble.
Commission A share taken by the casino on the bets made on a winning Banker’s hand.
Coup A round of Baccarat.
Croupier Dealer
Natural This means you obtained an 8 or 9 within the first two cards that are dealt to you, in a round of Baccarat. A “Natural” also shows up in the casino game, blackjack.
Punto/ Punter Player
Push Betting on one of the hands that ends up in a tie.

Hopefully, this tutorial has helped you with Baccarat basics and will send you on your Baccarat journey with the essential knowledge needed to play the game at an online casino.

Baccarat FAQ's


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