How to Win at Baccarat – All You Need to Know About Beating the Game

how to win on baccarat online

Just like Roulette and Slot Machines, Baccarat is a casino game that revolves around luck. There is no skill involved in it and the way that the game has been designed, the casino is always expected to win over the player. Now, as much as this is true, we’re going to go out on a limb and tell you what other guides about winning at Baccarat don’t – how to actually beat the game. Because yes, it is in fact possible to beat it.

In the following article we will reveal two types of winning strategies for Baccarat – one that only works in theory and one that is a bulletproof concept for guaranteed profits. Please note that we won’t be explaining any rules of the game so if you’re here to learn about the basics, we recommend checking out our nicely written piece on how Baccarat is played.    

How Is It Possible to Always Win at Baccarat?

We will shortly reveal the key to how Baccarat is won for sure, but before we do, let us define what always winning in Baccarat actually means. You see, there are three ways that you can look at it:

  1. Winning each and every game round of Baccarat
  2. Making a profit from each and every session that you play
  3. Increasing your expected return of investment to more than 100%

Winning each and every game round of Baccarat definitely doesn’t require a genius. All you have to do is to bet on all of the three outcomes in the game; the Player, the Banker and Tie. However, doing so you will lose money on every game round even if you win all of them. Simply because you’re betting more money than you’re getting back from your winnings. A pretty shitty way of always winning in Baccarat.

Making a profit from each and every session that you play is a much better alternative as this will guarantee a boost to your bankroll. However, this can only be done in theory. As we get to the end of the article we will explain how. It’s definitely not a bulletproof concept even though many are using it. 

Increasing your expected return of investment to more than 100% is what we are talking about when we are promising to show you how to always win at Baccarat. This doesn’t mean that you’ll be winning each and every game round as luck and variance will play a part. However, it does mean that you will be guaranteed to make a profit in the long run.

Now that we’ve clarified this, let us have a look at the one and only way of beating the game – the true answer to how to win in Baccarat at casinos. It’s all about utilizing the gambling sites’ bonus offers.

Best Winning System for Baccarat – Utilizing Bonus Offers

In the very beginning of the article, we mentioned that Baccarat is designed in a way so that the casino always wins. This is true. The game is designed to have an optimal payback percentage (RTP) of 98.94%. This RTP is simply achieved by betting on the Banker. The Player bet has a slightly lower RTP of 98.76% and the Tie is a terrible bet to place as the payback percentage is only 85.56%.

As you may already know, RTP is a value that tells you how much you are expected to win in the long run. An RTP of 98.94% means that you are expected to win £98.94 from every £100 that you bet. To guarantee yourself a profit in the long run, the RTP would have to be higher than 100%.

There are no winning strategies for Baccarat that can change how much the game itself pays. That’s impossible. A banker bet will always be expected to pay £98.94 for every £100 staked. So how do you reach an RTP of more than 100%? You take advantage of casino bonuses. These will not affect the RTP of the game itself, but they will have an impact on your overall RTP as they give you an added value.

Even though it’s rarely talked about and even though it’s an incredibly powerful casino system for sure winning in Baccarat, it is all very simple. However as simple as it is, you can’t just use any casino bonus to reach an RTP of more than 100%. It needs to be a bonus with a low enough wagering requirement. Before we elaborate on this, let us illustrate it with the table below:  

How to Win at Baccarat With a Bonus
Bonus
Wagering
Amount to Wager
Baccarat RTP
Expected Money After Wagering
Player RTP
£100
20x
£2,000
98.94%
+ £78.8
103.94%
£100
25x
£2,500
98.94%
+ £73.5
102.94%
£100
30x
£3,000
98.94%
+ $68.2
102.27%
£100
35x
£3,500
98.94%
+ £62.9
101.80%
£100
40x
£4,000
98.94%
+ £57.6
101.44%
£100
45x
£4,500
98.94%
+ £52.3
101.16%
£100
50x
£5,000
98.94%
+ £47
100.94%
£100
55x
£5,500
98.94%
+ £41.7
100.76%
£100
60x
£6,000
98.94%
+ £36.4
100.61%
£100
65x
£6,500
98.94%
+ £31.1
100.48%
£100
70x
£7,000
98.94%
+ £25.8
100.37%
£100
75x
£7,500
98.94%
+ £20.5
100.27%
£100
80x
£8,000
98.94%
+ £15.2
100.19%
£100
85x
£8,500
98.94%
+ £9.9
100.12%
£100
90x
£9,000
98.94%
+ £4.6
100.05%
£100
95x
£9,500
98.94%
- £0.7
99.99%
£100
100x
£10,000
98.94%
- £6
99.94%
£100
105x
£10,500
98.94%
- £11.3
99.90%
£100
110x
£11,000
98.94%
- £16.6
99.85%

As you may already know, more or less all bonuses that casinos hand out to their players come with a wagering requirement. If you make a deposit of £100 to receive a bonus of £100, it may be that this bonus has a 40x wagering requirement. This means that you are forced to bet a total of £4000 (£100 * 40) before you are able to cash out any money. 

Now, the table above is showing you exactly how high this wagering requirement can be to be able to guarantee yourself a profit by playing with an RTP of more than 100%. It shows you that in order to win at Baccarat, the casino bonus cannot have a wagering requirement higher than 90x. Let us clarify this.

If you receive a bonus of £100 and have to wager this 90 times, this means that you have to wager a total of £9,000. As optimally played Baccarat has a payback percentage of 98.94%, you would be expected to have won a total of £8,904.6 once the wagering is done. This is simply calculated by multiplying the RTP with the amount that has to be wagered (0.9894 * 9,000 = 8,904.6).

Winning £8,904.6 from a total wager of £9,000 is the same thing as losing £95.4 (9,000 – 8,904.6). So, by clearing the bonus, allowing you to make a withdrawal of the received amount, you have lost a total of £95.4. As the bonus received was valued at £100, this means that you have actually made a profit of £4.6 from the bonus. In other words, a profit from the casino by only playing Baccarat.

If the wagering requirement of the bonus had been 95x, your expected results would have been a £0.7 loss. This would, however, still have been a much better result than not playing with any bonus at all as your “player RTP” would be 99.99% instead of 98.94%, which is what the game of Baccarat allows.

To calculate the “player RTP” (which is the real RTP that you are playing with), start by adding the bonus amount to the expected amount that is left once the wagering requirement is cleared. For instance, £8,904.6 + £100 = £9,004.6. Then after that you divide that sum with the amount that you have wagered (£9,004.6 / £9,000). Now multiply by 100 and you have the RTP you’re playing with, which in this example is 100.05% – a guaranteed profit, however, a very marginal one at that.     

Our example was only to showcase where the line between a guaranteed profit and a loss is drawn though. As you can see in the table, a bonus with a 40x wagering requirement would be expected to yield you as much as a £57.6 profit with a player RTP of 101.44%.

The Higher the Bonus the More You Win From This Baccarat System

To benefit the most from the bulletproof system that we just revealed, you want to make use of as big of casino bonuses as you can. The player RTP is only affected by the wagering requirement so should this be 40x it doesn’t matter how big the bonus amount is. The player RTP will always be 101.44%. This means that a £200 bonus would earn you twice as much as a £100 bonus and that a £400 bonus would earn you four times as much as it.

Here’s a quick comparison table to illustrate what we’re talking about:

Bonus
Wagering
Amount to Wager
Baccarat RTP
Expected Money After Wagering
Player RTP
Example 1.
£100
30x
£3,000
98.94%
+ $68.2
102.27%
£200
30x
£6,000
98.94%
+ $136.4
102.27%
£300
30x
£9,000
98.94%
+ $204.6
102.27%
£400
30x
£12,000
98.94%
+ $272.8
102.27%
£500
30x
£15,000
98.94%
+ $341
102.27%
£1,000
30x
£30,000
98.94%
+ $682
102.27%
Example 2.
£100
40x
£4,000
98.94%
+ £57.6
101.44%
£200
40x
£8,000
98.94%
+ £115.2
101.44%
£300
40x
£12,000
98.94%
+ £172.8
101.44%
£400
40x
£16,000
98.94%
+ £230.4
101.44%
£500
40x
£20,000
98.94%
+ £288
101.44%
£1,000
40x
£40,000
98.94%
+ £576
101.44%

So, as you can see, there’s a lot of guaranteed money to be made from playing Baccarat if you choose the right type of bonuses. Doing so, there are a couple of things you must know about though. It’s easy to get tricked into thinking that you’re playing Baccarat with the perfect winning strategy when you actually aren’t because the wagering requirement isn’t as low as you thought it was.

Things You Must Know About Sure Winning in Baccarat

With the above strategy, you may be thinking that it’s incredibly easy to win at Baccarat and thinking so you wouldn’t be entirely wrong as it isn’t difficult per se. However, for an inexperienced online casino gambler there are a couple of pitfalls that one must be wary about. If you want to win in Baccarat at the casinos, the following things are very important to keep in mind:

  • Pay attention to what the wagering requirement is based on
  • Always check what the wagering contribution is for Baccarat
  • Only play Baccarat with a bonus (an advantageous one)
  • Prepare yourself for losing streaks as they can happen

Wagering requirements can be based on two things; the received bonus sum as well as the received bonus + the deposited amount. This can make a huge difference in how big you believe the wagering requirement actually is. The bonuses that we listed in the above tables were all based on the received bonus alone. In other words, a £100 bonus with a 40x wagering meant a total wagering of £4,000.

At many online casinos you will find that wagering requirements are based on the deposit too, in addition to the received bonus. This means that if you deposit £100 to receive a £100 bonus and the wagering requirement is 40x, the total wagering would be £8,000 (40 * 100 + 100). That is twice as high! This is something that you have to pay close attention to as you are grabbing your bonus offers.

Wagering contributions are just as crucial, if not even more important to know about if you want to win at Baccarat for sure. Even if a bonus’s wagering requirement is stated as 40x, this doesn’t mean that it’s 40x for all casino games. Somewhere in the terms and conditions of the gambling site it is very common to find that different products contribute differently towards the wagering requirement. This is how it can look like:

Terms & Conditions (T&C)
The Meaning of T&C
Product
Wagering Contribution
Bonus Wagering
Real Wagering
Slot Machines
100%
40x
40x
Dream Catcher
50%
40x
80x
Live Casino Games
15%
40x
267x
Roulette
10%
40x
400x
Casino Poker
10%
40x
400x
Blackjack
5%
40x
800x
Baccarat
5%
40x
800x
Video Poker
5%
40x
800x

What you’re seeing to the left is what the casino may tell you in their Terms and Conditions and what you’re seeing to the right is the impact. In this particular case, which is an example from a real gambling site, bonuses are only contributing by 5% when Baccarat is played. This means that the wagering requirement is actually 20 times larger on Baccarat than what the bonus is advertised as. In this example it was advertised as 40x, but if you’re playing Baccarat only, you’re actually facing an 800x requirement.

While it’s common to find similar wagering contributions as the above, you must know that all bonuses aren’t like this. You can in fact find great live casino bonuses where the wagering requirement is good and the contribution for playing Baccarat is 100%. An example is the welcome bonus from LeoVegas.

Only playing Baccarat with an advantageous bonus is something that you must stick to if you want to win at Baccarat. Once the bonus is wagered you will be back to the 98.94% RTP that Baccarat has, which means that you will be expected to lose money. Guaranteeing yourself a profit is only possible if you keep playing with a bonus.

Preparing yourself for losing streaks is a must even if you’re playing with a perfect winning strategy for Baccarat. Having an RTP of more than 100% means that you will be guaranteed a profit in the long run. What it doesn’t mean is that you can’t lose on a short-term basis. A single session could easily end in a loss if lady luck decides to go that way.

Since Baccarat is a very low volatile game, it isn’t likely that you’ll lose a lot even if you’re being unlucky, but you must be prepared that it could happen. Don’t blame the strategy if it does, because if you’re doing things correctly, the strategy is in fact bulletproof.

An Alternative Winning Strategy for Baccarat – Using Martingale

In the beginning of the article we promised to reveal two strategies that can be used for winning in Baccarat; one that is bulletproof and one that only works in theory. The one that we’re about to tell you about now is the one that only works in theory. It’s all about using Martingale.

This may not come as a surprise to you as Martingale is an incredibly popular strategy that has been applied to games and bet alternatives for hundreds of years. These days the strategy is especially common to use at the roulette tables. However, it works very well for Baccarat too – in theory that is. In theory you will be guaranteed to make a profit. Not only in the long run, but from each and every session of the game.

The Martingale strategy is very simple. You start by betting on an alternative that pays 1:1 with a high chance of occurring. In Baccarat this would be the Banker option which has a win probability of 45.80%. Whenever you lose a bet, you’re supposed to double your stake to what it was the round before and whenever you win a game round you are to reset the stake to what it initially was and start all over again.

This is how it can look like:

Betting on the Banker in Baccarat
Round
Stake
Result
Action
Net Result
1
£1
Loss
Double the stake
- £1
2
£2
Loss
Double the stake
- £3
3
£4
Loss
Double the stake
- £7
4
£8
Loss
Double the stake
- £15
5
£16
Win
Reset the stake
+ £1

As the above table shows, whenever you win a game round with Martingale you will reach a net profit that is equal to the stake that you started with. This means that you can’t lose. All you have to do is to keep doubling your stake whenever a game round is lost and you eventually win.

So why is this strategy only working in theory? Because there will be times when you lose too many game rounds in a row, which will make your stake sky rocket. This stake will either become too much for your own bankroll to bear or you will reach the maximum bet limit of the Baccarat table you are playing at.

Have a look at this losing streak:

Losing the Banker Bet in Baccarat 15 Times in a Row
Losses in a row
Units required to bet
1
£1
2
£2
3
£4
4
£8
5
£16
6
£32
7
£64
8
£128
9
£256
10
£512
11
£1,024
12
£2,048
13
£4,096
14
£8,192
15
£16,384

From a £1 bet we’re up to a £16k bet by losing our Banker bet 15 times in a row. It is of course rare for a scenario like this to occur. This is why you are likely to win at Baccarat most of the time when you are using Martingale, as long as you have a good budget. Most of your sessions will end in a profit. However, every now and then you will lose your entire bankroll – that’s inevitable. This is why Martingale isn’t a bulletproof winning strategy for Baccarat such as the other one that we mentioned is.

Don’t get fooled by people who want to teach you betting strategies as a way of winning in Baccarat. These strategies, which aren’t limited to just Martingale, can add a lot of fun and excitement to a gambling session, but they will never have an impact on your long term results.

With these last words we hope that we have made you a lot wiser and taught you how it is possible to always win at Baccarat. Just grab that valuable bonus offer and you will be expected to visit profit land!

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