Online Baccarat for Real Money in South African Online Casinos

Online Baccarat for Real Money in South African Online Casinos

Baccarat is a common game you’ll find across most land-based and real money online casinos in South Africa. Online casino baccarat in South Africa has similarities to blackjack. Both games are played using cards and require some skill to make decisions, ultimately affecting the outcome. Significant differences come in when ranking the hand values. In baccarat, you are meant to bet whether the player’s or the banker’s hand will have the most points. You can also bet there will be a draw. Baccarat online for real money tends to have a somewhat unwarranted reputation, viewed by many as a game designed for big spenders and high rollers. This misconception has put many players off from trying baccarat, unaware that it is no different from other card games.

On this page, we put this misconception and many others to rest. Read all you need to know about the baccarat game online. Why is it considered a game for the rich folks? How do you play the game? What types of bets can you place in baccarat, and which have the best odds? Are there any baccarat tips that can help you win the game every time? We have answers to all these questions, plus much more. 

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Elishama A. Written & published: 16.05.2023 By author Elishama A.
Brad I. Reviewed & updated: 21.05.2024 By gambling expert Brad I.

About online baccarat

Baccarat is undoubtedly one of the oldest gambling games still played to date, with a rich history that dates as far back as 300 years ago. The mention of baccarat can be traced back to France, as early as the 17th century. The association between the game and high rollers probably stems from the fact that the game was played mainly by the French nobles. Commoners preferred playing other games, which were, in most cases, outlawed. However, the connection between baccarat and the nobles is entirely outdated and is not the case today.

With easy access to online casino games, the days when certain games were reserved exclusively for a specific group of people are long gone. You can play baccarat online from hundreds of casino platforms. The beauty of online baccarat is that the game has multiple variations, and you can play them at pocket-friendly prices. You don’t have to set exorbitant bankrolls or spend big on betting to enjoy the game. For as little as $1, you can have a fulfilling gaming experience.

If you don’t have money to spend or are unsure about the game rules, you can decide to play the game in demo mode. This way, you familiarise yourself with the rules and other features before switching to real money play. Online casinos with baccarat games also offer you live dealer platforms where you can play with real dealers, just as at the brick-and-mortar casinos. Thanks to optimised mobile platforms, you can take the live dealer games with you wherever you go. 

Online baccarat interface

  • Online baccarat interface
  • Online baccarat interface
  • Online baccarat interface
  • Online baccarat interface

Rules of online baccarat

Baccarat is a straightforward game to play, with only three types of bets available for you to make. Compared to roulette and blackjack, which offer several bet options, it’s easy to see why many people like the simplification of the game. Furthermore, as you will see shortly, you don’t have to make many decisions when playing the game.

Any baccarat online casino game starts with you placing your bet. You have three options to wager on; either the Banker’s or the Player’s hand will have the most points. You can also bet that both will have equal points, which will result in a Tie.

Once the bets have been placed, two cards are dealt – face up. The total value of these cards is then determined to see which hand has the highest points. Unlike blackjack, the number of points a hand must have to win is 9 and not more. Whichever hand has the highest points wins the round. 

Hand values in online baccarat

Cards 2-9 retain their face values. King, Queen, Jack, and 10 are all worth 0. An Ace in baccarat is worth 1. Therefore, when a hand is dealt a 2 and 5, the value is 7. If a hand is dealt a 7 and 9, the value is not 16, but 6. In baccarat, only the second figure is what counts. Don’t stress, though; the RNG software or dealer will do the math for you. You should only focus on placing smart bets. 

Third card rule for Player

There are scenarios where the first four cards dealt to both the player’s and banker’s hands are not enough to determine the game’s outcome. In such a scenario, a third card is dealt, following the third card rule. Here is a quick summary of the third card rule in online baccarat.

The player’s hand will only draw a third card if it has a total between 0 and 5 unless the banker’s hand has an 8 or 9 for a natural win. Furthermore, a third card should be dealt to the banker if the player’s hand is 6 or 7 points and the banker’s hand has a total between 0 and 5. 

Third card rule for Banker

If the player’s hand is dealt a third card, then the banker’s third card rule comes into play. They are as follows:

  • If the player draws an Ace, face card, 10 or 9 as the third card, the banker will draw if the total points are 0-3 and stay if the score is between 4-7
  • If the third card for the player is an 8, the banker is expected to draw on a 0-2 score and stay if the total score is 3-7
  • If the player’s third card is a 7 or 6, the banker hand must draw if the score is 0-6 and stay for a score of 7
  • If the player’s third card is a 4 or 5, the banker hand must draw if the score is 0-5 and stay for a score of 7 or 6
  • If the player’s third card is a 2 or 3, the banker will be dealt a card if the score is 0-4 and stay if the score is 7, 6 or 5.

Sounds complicated, right? Well, the beauty of baccarat is that all this is done by the dealer or the RNG software. Once you’ve placed your bet, all you need to do is to wait for the outcome and see if you’ve won money. 

Online baccarat odds and payouts

One of the beauties of playing baccarat games online is the relatively low house edge it offers. This is especially true for the player and banker bets, which come with an edge of 1.36% and 1.06%, respectively. You can always go for the Tie bet if you are a thrill seeker. This one has a 14.4% house edge, making it one of the riskiest bets to place, not only in baccarat but in the online casino industry.

It, therefore, means when it comes to betting, you have a better chance of winning a hand when you wager on the banker’s hand. It gives you a 45.85% chance compared to 44.62% for the player’s hand. The chance that the outcome will end in a tie is 9.53%.

Baccarat Bet Types and RTP

Bet Type RTP Percentage
Banker 98.94%
Player 98.76%
Tie 85.64%
Banker Pair 89.64%
Player Pair 89.64%
Perfect Pair 91.95%
Either Pair 86.29%
Big 95.65%
Small 95.65%

Live baccarat

When you decide to play live baccarat online, you will discover a fantastic way of enjoying the game as if you are at a brick-and-mortar casino. Only this time, you won’t be leaving the house. Simply log into your online casino account and sit at one of the baccarat tables, where a real human dealer will serve you. Cards will be dealt to you in real time, and you will have the chance to communicate with the dealer through the chat feature.

It gets better. Using the same live chat feature, you can communicate with other players from around the world who are seated with you at the table. This works and functions just like your regular messaging applications. To ensure it delivers a cutting-edge experience, any online casino baccarat site in South Africa will partner with renowned software providers in the industry. You should be able to play games from Evolution Gaming, Pragmatic Play, Ezugi, Authentic Gaming, and many more. These software providers work round the clock to develop the games that you will be playing.

Can you play live baccarat games for free? Unfortunately, no. Live baccarat can only be accessed through real money mode. If you are unsure of the game’s rules, you can always try the game through the RNG version. You can enjoy all the game’s features, including following the same rules and placing the same bets. The only exception is you won’t be able to win any money. Once you feel comfortable, you can switch to real money play through the live dealer games. 

Side bets in online baccarat

Depending on the online casino platform you visit, you can place several side bets while playing baccarat online for real money. These side bets can be placed before the start of a round, and the odds vary from brand to brand. Below are some of the popular or common side bets in online baccarat.

  • Player pair

    When you place a Player Pair side bet, you are basically betting that a pair of the same rank will be dealt to the player. If this happens, you will receive a payout of 11:1.

  • Banker pair

    This one is identical to the player side bet, only that you are betting that a pair of the same rank will be dealt to the banker’s hand. It also offers odds of 11:1 for a correct prediction.

  • Perfect pair

    You are betting that a pair of the same rank and suit will be dealt as the first two cards to either the Player’s or Banker’s hand. If either the Player’s or Banker’s hand receives a pair of cards with the same rank, you receive a payout of 5:1. If either hand receives a pair of the same suit and rank, you receive a  massive payout at odds of 25:1. 

  • Super 6

    When you place this bet, you are basically wagering that the Banker’s hand will have 6 points in total for the first two cards dealt. The payout for this is 12:1 if it comes to pass. 

  • Dragon

    A dragon bonus bet allows you to wager that the player’s hand will win with a natural nine or eight by a certain number of points. For example, if the player’s hand is a natural nine and the banker’s hand is a value of 5, this is considered as a margin of four points. There are different payouts depending on the margin of the win, e.g. a win by 9 points pays out at odds of 30:1, and a win by 8 points pays out at odds of 10:1. Any win with three points or less will see you lose the bet. 

Online baccarat providers

Online baccarat software providers are so central to the functioning of online casinos that it is impossible to imagine the online gambling industry without them. They are behind the seamless functioning of online casinos and the games you will be playing. At the advent of the online casino industry, there were only three providers – Playtech, Microgaming, and NetEnt. These mainly focused on the development of online slots. However, over the years and due to the increased demands for other games, they started developing table games such as roulette, blackjack, baccarat, and many more. Some even diversified into the production of live dealer games.

Since the first online casino was designed in 1995, the number of software providers has steadily risen, with each offering something unique. However, even with over 100 providers operating in the industry, those listed below stand out as some of the best when it comes to the development of baccarat games online.

  • playtech


    Playtech, as already mentioned, happens to be one of the pioneers of the online gambling industry. Founded in 1999 by the Israeli entrepreneur Teddy Sagi in Tartu, Estonia, the company has grown over the past two decades to become one of the biggest in terms of revenue, games, and reach. Like any software provider, its main focus is on developing video slots. However, it does produce both RNG-based and live dealer baccarat games, albeit in small numbers. Some RNG-based baccarat games in Playtech’s portfolio include Premium Baccarat and Baccarat. There are also live dealer games such as Prestige Baccarat. If you want a different kind of experience playing baccarat games, you should try Playtech’s progressive jackpot games, such as Progressive Baccarat and FashionTV Jackpot Baccarat. 

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  • evolution


    Evolution, previously known as Evolution Gaming, develops premium, high-quality live dealer baccarat games for real money play. If you decide to play baccarat online in live dealer format, there is a high chance you will be playing a game from Evolution Gaming. This is because the brand focuses on developing live dealer games only and is the biggest supplier in this niche. As far as live baccarat games are concerned, it offers many games. You can play Multi-Camera Baccarat, Live Baccarat Squeeze, Live Baccarat Control Squeeze, Lightning Baccarat, and Baccarat. If you are after a VIP casino experience, you can play Salon Privé Baccarat. There are also multiplayer baccarat games in Evolution Gaming’s portfolio. This includes Dual Play Baccarat and Baccarat Multiplay. 

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  • netent


    NetEnt started back in 1996 and is considered one of the oldest and most successful software developers in the iGaming industry. The company’s main portfolio consists of slots, although it also offers table games such as roulette, blackjack, and baccarat. Roulette and blackjack are more represented in the table games category than baccarat games. In fact, NetEnt’s baccarat portfolio only includes one game, which is Baccarat Pro. 

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  • microgaming


    Microgaming is a massive company in the online gambling niche, with more than 200 employees worldwide. The company is headquartered in Douglas, Isle of Man, and operates in more than 100 countries globally. Microgaming has several releases under its belt. It offers RNG-based baccarat games such as No Commission Baccarat, Baccarat Gold, Multiplayer Baccarat, Mini Baccarat, and Baccarat.   

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  • yggdrasil


    Yggdrasil was founded in 2013 and is headquartered in Sliema, Malta. Despite its few years in the iGaming industry, Yggdrasil Gaming has become a household name, featuring its games on many baccarat online casino sites. Yggdrasil titles are developed using the company’s proprietary iSENSE 2.0 technology. This HTML framework makes all the games from Yggdrasil Gaming seamlessly played across all mobile platforms without the need to download any special software. It means you can play its Baccarat Evolution seamlessly using your device’s browser. Like NetEnt, this is the only baccarat game in Yggdrasil Gaming’s portfolio. 

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  • rival


    Rival is a world-class B2B software developer and supplier of online casino games that has been operational since 2005. The company has its headquarters in Nicosia, Cyprus, and is passionate about developing top-quality games. Like many other software providers, video slots dominate the game’s portfolio, although it does develop different categories of table games. When it comes to baccarat games, it only offers one classic version, which is readily available in a demo and real money play.

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  • rtg


    RTG, an abbreviation for Realtime Gaming, is a quirky software provider that has its own casinos where you can play all its games. The team behind RTG has years of developing casino games, with all its releases being done in-house. The company is licensed and regulated in several jurisdictions, including Malta, Curacao, Netherlands Antilles, and others.

    RTG “Takes Gaming Seriously,” evident by the quality of the games it has churned out so far. Despite having a shallow portfolio of about 200 games, they are all entertaining to play. Slots dominate the list, although it offers table games such as blackjack, roulette, and baccarat. At the time of writing this, the company has only two baccarat games.

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  • pragmaticplay

    Pragmatic Play

    Pragmatic Play designs both RNG and live dealer games. It has baccarat games in both categories. In the RNG category, it only has one game that uses the classic baccarat rules. However, in the live dealer section, you can play Speed Baccarat, Fortune 6 Baccarat, and Super 8 Baccarat. The last two games are the recent addition to the company’s baccarat game portfolio.

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Online baccarat tips and tricks

Online baccarat is a game of chance that uses RNG software to determine the outcome. This means regardless of the strategy you use, the outcome of the game is 100% random and unpredictable. However, the bets you place and how you place them can significantly boost your winning chances.


Bet on either the banker or player

Always wager on either the banker’s or the player’s hand (not both). The only exception is if you are playing the game for fun and trying to experiment. If you must pick between the two, always go with the banker bet. Don’t let the 5% commission you pay the house put you off. As seen from the outgoing odds and payouts section, the banker’s hand offers the best chance of winning.


Hedge your bet

Your chance of winning the banker’s or player’s hand is usually very high compared to the tie bet. But the two hands offer low returns compared to the tie bet. Another beauty of playing baccarat is you can place two bets – simultaneously. Therefore, to make the most out of your gaming experience, you should place a much higher bet for the banker’s and player’s hands and hedge it with a smaller bet for the tie bet. This way, if the tie bet wins, you get a tidy sum and don’t lose much of your bet. In fact, with a proper bankroll betting strategy, you might end up with a decent payout when you use this strategy. 

Play Baccarat for free



Online casino baccarat in South Africa is popular because it’s easy to learn and requires no strategy to play. You don’t need to study sophisticated techniques since it is primarily a game that relies on chance. Furthermore, with the online version, you no longer need to make long, tedious trips to land-based casinos to play the game. Simply use your smartphone to play tens of baccarat games online. The best online baccarat casino sites will mix RNG-based and live dealer games to accommodate all sorts of players. Just ensure you sign up in a legitimate and regulated online casino. It is why you should conduct background research on the site to ensure it is licensed, regulated, and has a stellar reputation for offering bonuses and running promotions with fair T&Cs.

Online baccarat FAQ

Is online baccarat available in South Africa?

Yes, you can play baccarat in SA across multiple online casinos. Some top-rated online casinos have multiple variations, including RNG and live dealer games.

How to play baccarat online?

To play baccarat online, you must place your bet that either the player's or banker's hand will have the most points. You can also bet that both hands will have the same number of points (a tie.) If your prediction comes to pass, you will be paid out as per the odds of your bet.

How much can I win in online baccarat?

The much you win while playing baccarat online for real money depends on the bet you place and the amount you wager. You can win as little as $1 from a bet to as much as $20,000 or more. Read the rules before playing to know how much money you can win from the game.

Which baccarat game online has the best odds?

Most of the baccarat games online offer almost the same odds. What determines the difference is the type of bets you place while playing it. So, if you are after the best odds while playing the best online baccarat casino game, always wager on the banker’s hand.

Can I play baccarat on a mobile device?

Yes, you can play online casino baccarat in South Africa on any internet-enabled device. This includes your smartphone, tablet, iPad, or even iPod. The best part is that you don't have to download any software. Simply use your device's browser to access the game you wish to play.