2018 Online Baccarat Casinos Canada

Baccarat Online Casinos

Playing baccarat online for real money is a hugely popular pastime among Canadian internet gamblers. And in 2018there's no shortage of top sites offering this bespoke online gaming experience.

At OnlineGambling.ca our reviews team are always hot on the heels of a top casino online to tell our readers about. And we're focusing on the ones that offer Canadian players the best online baccarat experience.

In this guide to online baccarat casinos in Canada we'll take you through:

  • Why playing online baccarat for real money can be as rewarding as it is fun
  • The tips you'll need to start playing online baccarat like a true pro
  • The top baccarat casinos for Canadians depositing & withdrawing in CAD

For December 2018our reviewers have unanimously voted Spin Palace their top casino for baccarat games online in Canada.

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An Introduction To Baccarat Online

Online baccarat games are often played for high stakes, with people betting and winning large amounts. Playing baccarat for real money often conjures up images of glamorous European casinos, and there is plenty of fun to be had and money to be won at many a casino online.

If you're keen to play online baccarat, go to our selection of free games and try a few options out.

How To Play

The rules of online baccarat games are fairly simple on the surface. The banker (the baccarat dealer) and the player are each dealt two cards and add their value together to create a points total from the second digit of the addition of the two card values. If a baccarat player is dealt a five and a three the total will be eight, but if they have a five and a nine their total is four rather than fourteen - only the second digit counts.

If you play baccarat online, you'll find the most common form of the game called Punto Banco. Players can bet on their own hand ('punto'), the banker's hand ('banco'), or a tie between the two ('standoff'), while the dealer will always be betting on banco.

The aim of baccarat is to get as close to nine as possible with the hand that you're betting on, and if only one of the starting two card hands is an eight or a nine then that hand wins. If neither does, then the dealer may deal another card to one or both of the two hands.

Follow these simple steps to get the hang of online baccarat gameplay:

  1. Decide which hand to bet on - the player's or the banker's.
  2. Decide how much you want to wager and then stake your bet.
  3. Await all cards being dealt. In round 1 both the banker and the player receive two cards face-up.
  4. Add up the card values. In Baccarat tens and face cards are worth 0 and all other cards in the deck are worth their face value.
  5. If the points total of either hand enters double digits, only the outside number will count. For example, 14 = a total of 4.
  6. If either the player or banker receives an 8 or 9 point total this is known as a natural win. The game ends and all bets are collected.
  7. If neither an 8 nor 9 have been reached in the initial 2-card draw the player can draw a third card.
  8. The winning hand is the hand with a total closest to 9 once all cards have been dealt.
  9. In the event of a points tie then neither hand wins or loses.

Player's Rule And Banker's Rule

The player will stand pat on a 6 or 7 (i.e. draw no extra cards), but draw on anything from 0-5. This rule is called the 'player's rule'.

The 'banker's rule' is slightly more complicated. If a player stands pat then the banker follows the 'player's rule', but if the baccarat online casino player draws a third card then the banker follows the following set of rules:

  • If the banker total is 2 or less, then the banker always draws a card, regardless of the player's third card
  • If the banker total is 3, then the bank draws a third card unless the player's third card is an 8.
  • If the banker total is 4, then the bank draws another card if the player's third card was 2, 3, 4, 5, 6 or 7.
  • If the banker total is 5, then the bank draws a third card if the player's third card was 4, 5, 6, or 7.
  • If the banker total is 6, then the bank draws a third card if the player's third card was a 6 or 7.
  • If the banker total is 7, then the banker stands, regardless of the player's cards
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Online Baccarat variants

While Punto Banco is the most common baccarat variant online. With some online casino sites even going as far as referring to Punto Banco 'Baccarat' in their lobby. This common baccarat spin-off isn't the only variant of this popular online game. Here are a few other baccarat variants you're likely to encounter in today's top Canadian casinos online.

Chemin de fer (or 'chemmy') is the original French version of baccarat and sees the role of the banker passed around between the players. When a baccarat player is designated as the banker, they can only bet on their own hand. However, it is possible to pass on your turn as banker, with the responsibility then falling to the next player in line. The shoe moves around the table in a counter clockwise direction. Which is the reason some say that Chemin de Fer (meaning railroad in French) takes its name.

European Baccarat, commonly found in casinos online in 2018, allows players the option to stand or draw on five. In this version the banker is controlled by the dealer, who can draw a third card from the shoe in theory. But typically the gameplay most closely resembles that of traditional American baccarat.

Baccarat Banque, is a less common variant of the game. While in Chemin de Fer the role of banker passes automatically to the next player as soon as the banker loses, in Baccarat Banque, which uses three decks of cards, the same player stays on as banker until they 'retire' their position. Or until all the cards have been dealt.

Baccarat Odds Outlined

You'll often see baccarat compared to flipping a coin. But with three possible outcomes (player wins, banker wins or tie) the odds aren't equally favourable in all scenarios. In fact, in single deck, six deck and eight deck games the house edge is least favourable on the banker bet, and most favourable on a tie outcome. So it actually pays for players to bet on the banker's hand coming out trumps.

This table shows the statistical house edge based on playing with 1, 6, and 8 decks of cards:

Banker Wins Player Wins Tie

1 Deck




6 Decks




8 Decks




Tips for Baccarat Newbies

New to playing online blackjack in Canada? These helpful tips from our experts here at OnlineGambling.ca will set you in good stead to boost your baccarat bankroll.

  1. Bet on the banker

    If in doubt, bet on the banker to win. Analysis shows that the odds are actually marginally better in the bankers favour and the house has the lowest edge on the banker's hand winning.

  2. Don't fall foul to gamblers fallacy

    Just because you've hit a 'winning streak' (and we use that term carefully) doesn't mean the odds are in your favour. Too often gamblers get sucked into thinking they're on a roll when they land a few consecutive wins. Upping their betting stakes, only to crash out when they've put more money on the line. So bet sensibly and only what you can afford to lose.

  3. Practise for free first

    If you're new to baccarat online than take advantage of the opportunity to play for free - before betting with real cash. Ok, so you won't win any money while in free play gaming mode - but the upside is you won't lose any either. So practice deposit-free and only advance to betting with real cash once you've got the hang of the game.

  4. Take regular breaks

    Every once in a while stop playing and take a break from the action. You can return to it again soon after, but when online gambling it's a good idea to allow yourself a "rest". This can prevent you from making poor decisions or gambling a ton of money away down the drain. So grab a snack, make a phone call, or watch your favourite TV show. Then when you're ready you can pick right back up where you left off.

How To Win At Baccarat Online

When playing baccarat for real money you might be tempted by the standoff bet - betting on a tie between the player and banker - as this pays out 8:1 or 9:1 compared to the even-money punto and banco bets. However this is mathematically the worst long-term bet for players.

Banco has a slightly better chance of winning, and while both punto and banco pay out even money (1:1), players must pay a 5% commission on winning banco bets. However even with this commission accounted for, the house edge on banco is lower than on punto.

The payouts are not huge in relation to baccarat bets, but it is one of the games with the lowest house edges. Once you've worked out how to play baccarat online you can give yourself a decent chance of winning when you gamble with real money.

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Baccarat FAQ

Where can I play for real money?

There are hundreds of sites all over the web where Canadians can play baccarat for real money. Fortunately, we've done the hard work for you and found the best casinos to play.

Although legislation prevents any online casinos from operating within Canada, many top international casinos have made it very easy for Canucks to join the action by allowing deposits and withdrawals in Canadian Dollars and offering the same range of bonuses and promotions they do to other players from all over the world.

Is online baccarat rigged?

No. It's easy to see why some people think this might be the case, as the selection of the winning card(s) takes place out of the view of players. This leads many players to believe that online casinos operate by selecting whichever option will lose them the least money.

This couldn't be further from the truth. All cards are dealt using a random number generator, which isn't even built by casinos themselves. Additionally, all random number generators used by casinos are subject to third party inspections by independent auditors. The odds for online baccarat are exactly the same as playing the game in a land-based casino.

Can I play for fun?

Yes, all the best casinos let you play baccarat for free when you first sign in. Choose this instead of playing for real money and you can spend as long as you want playing baccarat, or any other casino game provided it doesn't involved a progressive jackpot, without spending any cash.

It's worth noting that the odds in 'play for fun' games are exactly the same as their real cash equivalents, so there's no danger of the game suddenly skewing in favour of the house if/when you decide to start betting on the action.

Where can I play on a Mac?

Some casino sites offer Mac specific software, which will take the form of a .pkg or a .dmg file instead of the .exe associated with Windows. However, the vast majority of Mac users play in their browser using no download, also known as instant play, casinos.

Although the graphics are sometimes slightly more basic in a no download casino, many Canadian Mac (and PC, for that matter) users prefer them as it means they don't have to download anything, can use their account on any Internet-enabled computer, tablet or smartphone and can be sure they're always playing the most up-to-date version of baccarat offered by the casino.

Is it possible to employ a strategy online?

In a word, no. Using a betting system online, such as doubling your bet with every loss as dictated by the Martingale system, is dangerous because it only takes a few unlucky bets before you're wagering very large sums of money to make only a small profit.

Also, betting limits employed by most online casinos make it difficult to rely on a betting system as you're not always able to wager the amount you need to be able to in order to recoup your losses. Baccarat is best treated as a game of chance; stick with the banker and player bets, avoid the tie and try to have some fun.