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Baccarat is one of the simplest casino games to learn and one of the most popular at live tables. This guide explains how baccarat works, the three main bets and their odds, the popular game variants, and tips for playing live baccarat at IW99.
In baccarat, two hands are dealt: the Player and the Banker. You do not play either hand yourself. Instead, you bet on which hand will finish closest to 9, or on a tie. The dealer follows fixed rules, so there are no decisions to make once your bet is placed.
| Card | Value |
|---|---|
| Ace | 1 |
| 2 to 9 | Face value |
| 10, J, Q, K | 0 |
If a hand adds up to more than 9, only the last digit counts. For example, 7 and 8 make 15, so the hand is worth 5. A hand of 8 or 9 from the first two cards is called a natural, and the round ends straight away.
The third card rule is applied automatically by the dealer. Here is the simple version:
You never need to memorise these rules to play. The game handles them for you.
| Bet | Usual payout | House edge |
|---|---|---|
| Banker | 1 to 1, minus 5% commission | About 1.06% |
| Player | 1 to 1 | About 1.24% |
| Tie | 8 to 1 | About 14.4% |
The Banker bet has the lowest house edge, which is why a commission is taken on Banker wins. The Tie bet pays more but has a much higher house edge. Payouts can vary by table, so check the table rules before you bet.
The traditional game with a live dealer, standard rules and commission on Banker wins.
Shorter betting time and faster dealing, so you play more rounds per hour.
No commission on most Banker wins, but a Banker win on a total of 6 usually pays less. Check the table rules.
A quick baccarat-style game where one card is dealt to Dragon and one to Tiger, and the higher card wins.
Go to the IW99 live casino and choose a baccarat table.
Each table shows its minimum and maximum bets. Pick one that suits your budget.
Choose Player, Banker or Tie before the timer runs out, then watch the dealer reveal the cards.
Live tables show scorecards of past results. They are fun to follow, but every hand is independent and past results do not change what comes next.
Systems that double your bet after each loss can grow very quickly and hit table limits or your budget. No system changes the house edge.
The big payout is tempting, but the Tie bet has a far higher house edge than Banker or Player.
Baccarat rounds are fast, especially speed tables. Set a time and money limit before you sit down.
Yes. You only choose Player, Banker or Tie. The dealer handles all the card rules.
The Banker bet has the lowest house edge, followed closely by Player. Tie has a much higher house edge.
Yes. Live baccarat works in your mobile browser and the IW99 Android app. A stable Wi-Fi or 5G connection gives the smoothest stream.
Because the Banker hand wins slightly more often. The commission balances the odds.
Play live baccarat in AUD with real dealers, any time.
Visit live casino18+ only. Please play responsibly and set limits that work for you.