Free Baccarat Online
The baccarat Las Vegas and Macau play, built for a phone held upright: punto banco from an eight-deck shoe, the real drawing rules, Banker at 19 to 20, the roads scoreboard every table shows, and the squeeze. Nothing is rigged. You play from a $1,500 play-money wallet shared with our other games. No download, no sign-up.
How to play baccarat
- Pick a chip from the rack: $1, $5, $25, $100, $500 or $1,000.
- Back a hand. Tap Player or Banker to bet on which hand will be closer to 9. Tap Tie if you think they'll finish level, and P Pair or B Pair if that hand's first two cards will be a pair. You don't make any other decision: the cards are drawn by fixed rules, the same for everyone.
- Learn mode. Switch on Learn by the table's name and tap anything: a bet, the cards, the shoe, the roads, a button. A card tells you what it is, what it pays and its exact house edge, and offers to place the bet. The dealer also says why each third card is drawn.
- Tap Deal. Two cards each, Player first. A third card may follow by the rules below. Every card comes face down. Drag up on your side's cards to squeeze them, bending each up as slowly as you like; tap the other hand's cards to have the dealer turn them, in whatever order you like; or tap Reveal for all of them. In the menu you can squeeze both hands yourself, or turn the squeeze off.
- Get paid. Player pays even money. Banker pays 19 to 20 (a 5% commission: $20 wins $19). Tie pays 8 to 1, and a tie gives Player and Banker bets back. Pairs pay 11 to 1. Rebet puts the same bets down again, ×2 doubles them and Switch moves your chips to the other side.
How cards count
Aces count 1, twos to nines their number, and tens, jacks, queens and kings count 0. Only the last digit of a total counts, so 7 + 8 is 5, not 15. A two-card 8 or 9 is a natural and ends the hand at once.
The drawing rules
The Player's hand goes first: it draws a third card on 0 to 5 and stands on 6 or 7. Then the Banker:
| Banker has | Draws when the Player's third card is |
|---|---|
| 0, 1 or 2 | Always draws |
| 3 | Anything but an 8 |
| 4 | 2, 3, 4, 5, 6 or 7 |
| 5 | 4, 5, 6 or 7 |
| 6 | 6 or 7 |
| 7 | Never draws |
If the Player stood on 6 or 7, the Banker draws on 0 to 5 and stands on 6 or 7, just like the Player.
The bets and the house edge
| Bet | Pays | House edge |
|---|---|---|
| Banker | 19 to 20 | 1.06% |
| Player | 1 to 1 | 1.24% |
| Tie | 8 to 1 | 14.36% |
| Player Pair / Banker Pair | 11 to 1 | 10.36% |
The side bets
The side bets you'll see on the Vegas tables and the live streams, with the pay tables they use and the exact house edge of each (eight decks):
| Side bet | Wins when | Pays | Edge |
|---|---|---|---|
| Player Pair / Banker Pair | That hand's first two cards are the same rank | 11 to 1 | 10.36% |
| Either Pair | Either hand's first two cards are a pair | 5 to 1 | 13.71% |
| Perfect Pair | A hand's first two cards are the same card, rank and suit | 25 to 1; 200 to 1 if both hands | 8.05% |
| Player Dragon Bonus | Player wins by a natural (1 to 1), or by 4 or more points. A win by 3 or less loses; a natural tie pushes | by 4: 1, 5: 2, 6: 4, 7: 6, 8: 10, 9: 30 to 1 | 2.65% |
| Banker Dragon Bonus | The same, for the Banker | same | 9.37% |
| Dragon 7 | Banker wins with a three-card 7 | 40 to 1 | 7.61% |
| Panda 8 | Player wins with a three-card 8 | 25 to 1 | 10.19% |
| Lucky 6 | Banker wins with a 6 | 12 to 1 on two cards, 20 to 1 on three | 16.68% |
| Small | The hand takes only 4 cards | 3 to 2 | 5.28% |
| Big | The hand takes 5 or 6 cards | 0.54 to 1 | 4.35% |
Dragon 7 and Panda 8 come from EZ Baccarat, where they replace the commission; here they're plain side bets on the commission table. The Player Dragon Bonus is the cheapest of the lot at 2.65%; Lucky 6 is the dearest.
Over eight decks the Banker wins 45.86% of hands, the Player 44.62% and 9.52% are ties. The Banker draws last, which is why it wins a little more often, and the 5% commission is how the house keeps its edge on it. Even so, Banker at 1.06% is one of the best bets in any casino. Tie and the pairs pay big but cost the most over time.
The roads
The board above the table is the Big Road: a column for each run of Banker (red) or Player (blue) wins, a green slash for a tie, and a dot for a pair. Tap it for the full scoreboard: the bead plate (every hand in order), the Big Eye Boy, Small Road and Cockroach Pig, which show whether the shoe has been repeating itself (red) or chopping about (blue), and what each would show if the next hand went to Banker or Player. It's the same board you'll find beside every table in Macau. It records the shoe; it doesn't predict it.
House rules at this table
| Shoe | Eight decks, shuffled with the browser's secure random numbers. The first card is turned and that many cards are burned. |
|---|---|
| Cut card | 14 cards from the end. The hand it comes out in is the shoe's last; then a fresh shoe. |
| Chips | $1, $5, $25, $100, $500 and $1,000 |
| Minimums | $5 on Player, Banker or Tie; $1 on a side bet |
| Maximum | $5,000 on any spot, the same as Bubble Craps |
| The squeeze | All cards face down: you squeeze your side, the dealer shows the other when you tap it. The menu can give you both hands to squeeze, or turn it off for a quicker game. |
Is it rigged?
No. Each shoe is shuffled once with your browser's built-in secure random numbers and dealt in order, exactly like a real one: nothing is drawn hand by hand, and the game never looks at your bets. We counted every possible hand in an eight-deck shoe to get the exact odds above, then dealt ten million hands through the game to check it pays exactly what the count says. How we check the odds.
Questions
Is it really free?
Yes. It's play money only, with no real wagering, no sign-up and no download.
Do the roads tell me what comes next?
No. They're a record of the shoe, like the board at a real table, and reading them is part of the fun. But each hand comes from the cards left in the shoe, not from the pattern, and no streak is "due" to end or continue. Banker eight in a row happens about once every 500 hands.
Why does Banker pay 19 to 20?
Because the Banker hand wins more often than the Player hand (it draws last, by rules that depend on the Player's third card). Without the 5% commission the Banker bet would favour you by about 1.2%, so every casino charges it.
Should I bet Banker or Player?
Banker has the lower house edge, 1.06% against 1.24%, even after the commission. Tie at 14.36% and the pairs at 10.36% are the long shots.
What if I run out of chips?
Start over with a fresh $1,500 from the menu, or from the card that comes up when your wallet is empty.
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