The Best UK Casinos for Online Baccarat
10 of our fifteen ranked casinos publish a software baccarat range; the others carry live tables only, or do not say, and are left out here.
The columns are the figures each operator publishes: how many software baccarat games it carries and their return, its live baccarat tables, the stake limits and the minimum deposit.
Open a row for the rating breakdown. The order is our rating of the whole casino, not the size of its baccarat lobby.
| Rank | Casino Site | Welcome Offer | Rating | Baccarat Games | Baccarat RTP | Live Baccarat | Min Bet | Max Bet | Min Deposit | Visit Casino | Read Review | Terms | Rating Breakdown | Highlights | Our verdict |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Midnite | Bet £20 Get 100 Free Spins | 5Excellentout of 5 | 10+ | 98.94% | 15+ | £1 | £5,000 | £5 | Play Here | Read Review | Full T&Cs apply. 18+ New customers only. Wager £20 or more on Midnite Casino within 14 days of sign-up. Get 100 Free Spins to use on selected games, valued at 10p and valid for 7 days. T&Cs apply. Please gamble responsibly. GambleAware.org 18+ |
Bonus Value
5.0 / 5
Game Range
3.9 / 5
Payments & Payouts
4.0 / 5
Safety & Licence
4.6 / 5
Support
4.4 / 5
The overall rating is our judgement of the whole casino, not the average of these five scores. |
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| 2 | Coral | Get 100 Free Spins when You Play £10 on Slots | 4.9Excellentout of 5 | 2 | 98.00% | 22+ | £0.10 | £2,000 | £5 | Play Here | Read Review | Full T&Cs apply. 18+. New players only. Deposit (certain types excluded) and Bet £10+ on Slot games to get 100 Free Spins (selected games, value £0.10 each, 48 hrs to accept, valid for 7 days). Restrictions and T&Cs apply. Please gamble responsibly. GambleAware.org 18+ |
Bonus Value
5.0 / 5
Game Range
4.5 / 5
Payments & Payouts
4.7 / 5
Safety & Licence
5.0 / 5
Support
3.8 / 5
The overall rating is our judgement of the whole casino, not the average of these five scores. |
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| 3 | Ladbrokes | Get 100 Free Spins when You Play £10 on Slots | 4.8Excellentout of 5 | 2 | 98.00% | 22+ | £0.10 | £2,000 | £5 | Play Here | Read Review | Full T&Cs apply. 18+. New Casino players only. Deposit (certain types excluded) and Bet £10+ on Slots games to get 100 Free Spins (selected games, value £0.10 each, 48 hrs to accept, valid for 7 days). Restrictions and T&Cs apply. Please gamble responsibly. GambleAware.org 18+ |
Bonus Value
5.0 / 5
Game Range
4.3 / 5
Payments & Payouts
4.6 / 5
Safety & Licence
4.7 / 5
Support
3.9 / 5
The overall rating is our judgement of the whole casino, not the average of these five scores. |
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| 4 | Mr Vegas | 100% up to £50 + 11 Wager-Free Spins | 4.7Excellentout of 5 | 15+ | 98.00% | 95+ | £0.10 | £5,000 | £10 | Play Here | Full T&Cs apply. New players only. Min. dep £10. Wager req. 10x. 18+ T&C's apply. Please gamble responsibly. GambleAware.org 18+ |
Bonus Value
4.3 / 5
Game Range
5.0 / 5
Payments & Payouts
4.5 / 5
Safety & Licence
4.9 / 5
Support
4.2 / 5
The overall rating is our judgement of the whole casino, not the average of these five scores. |
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| 5 | 247Bet | Get 75 Free Spins when You Stake £20 | 4.7Excellentout of 5 | 1 | 98.94% | 30+ | £1 | £2,500 | £20 | Play Here | Full T&Cs apply. 18+. New players only. Min. deposit £20. Welcome Offer is 75 free spins on Big Bass Bonanza on your first deposit. To claim the free spins you also need to wager a minimum of £20 of your first deposit on slots. Free spins must be used within 72 hours. Winnings from free spins credited as cash funds and capped at £100. These cash funds are immediately withdrawable. Affordability checks apply. Terms apply. Please gamble responsibly. GambleAware.org 18+ |
Bonus Value
3.0 / 5
Game Range
4.4 / 5
Payments & Payouts
4.3 / 5
Safety & Licence
4.8 / 5
Support
4.2 / 5
The overall rating is our judgement of the whole casino, not the average of these five scores. |
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| 6 | BetMGM | Get 200 Free Spins when You Play £10 | 4.6Excellentout of 5 | 6+ | 98.94% | 50+ | Not published | Not published | £10 | Play Here | Full T&Cs apply. New cust only. Opt-in required. Time to deposit/wager 7 days. Deposit £10 & wager 1x on casino games (wagering contributions vary) for 200 Free Spins worth 10p each on Big Bass Splash. 3 day reward expiry. 18+. T&Cs apply. Please gamble responsibly. GambleAware.org 18+ |
Bonus Value
4.3 / 5
Game Range
4.2 / 5
Payments & Payouts
4.4 / 5
Safety & Licence
5.0 / 5
Support
4.4 / 5
The overall rating is our judgement of the whole casino, not the average of these five scores. |
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| 7 | LeoVegas | Play £10 & Get 50 Free Spins | 4.5Excellentout of 5 | 10+ | 98.20% | Not published | £0.50 | £1000 | £10 | Play Here | Full T&Cs apply. New cust only. Opt in, deposit £10+ within 7 days of registering & wager 1x on eligible casino games within 7 days to get 50 Wager-Free Free Spins on Big Bass Splash. 3 day expiry. Wagering contributions vary. T&Cs & exclusions apply. Please gamble responsibly. GambleAware.org 18+ |
Bonus Value
4.3 / 5
Game Range
4.3 / 5
Payments & Payouts
4.0 / 5
Safety & Licence
5.0 / 5
Support
4.2 / 5
The overall rating is our judgement of the whole casino, not the average of these five scores. |
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| 8 | Casumo | 50% up to £100 | 4.4Very goodout of 5 | 5+ | 98.25% | 20+ | £0.10 | £500 | £10 | Play Here | Read Review | Full T&Cs apply. 18+. New customers only. Opt-in required. 50% Deposit Bonus up to £100 on first deposit. Min deposit £20. 10x wagering on bonus amount. Max £5 per bet. Bonus valid for 7 days. Game, play and payment method restrictions apply. Please gamble responsibly. GambleAware.org 18+ |
Bonus Value
4.3 / 5
Game Range
4.6 / 5
Payments & Payouts
4.4 / 5
Safety & Licence
4.4 / 5
Support
4.2 / 5
The overall rating is our judgement of the whole casino, not the average of these five scores. |
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| 9 | Grosvenor | Deposit £20, Get £40 + 100 Free Spins | 4.4Very goodout of 5 | 10+ | 98.00% | 20+ | £0.20 | £1,000 | £5 | Play Here | Full T&Cs apply. +18. New players. Min Dep £20 (Excl. PayPal & PaySafe). Max Bonus £40 on selected games & 100 Free Spins on Big Bass Splash. Wagering & max win apply. T&Cs apply. Please gamble responsibly. GambleAware.org 18+ |
Bonus Value
5.0 / 5
Game Range
3.9 / 5
Payments & Payouts
4.3 / 5
Safety & Licence
4.1 / 5
Support
4.3 / 5
The overall rating is our judgement of the whole casino, not the average of these five scores. |
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| 10 | Unibet | Play £30 Get 300 Free Spins | 4.3Very goodout of 5 | 5+ | 98.00% | 70+ | £0.10 | £2,000 | £5 | Play Here | Full T&Cs apply. 18+. New GB customers only. Opt in, deposit & stake £30 on slots to get 300 x £0.10 Free Spins on Big Bass Splash, 10x wagering. Debit card or instant bank transfer only. Claim within 7 days. Spins expire within 48 hours. Game contributions vary, max stake applies. Geographical restrictions and T&Cs apply. Please gamble responsibly. GambleAware.org 18+ |
Bonus Value
4.3 / 5
Game Range
4.5 / 5
Payments & Payouts
4.4 / 5
Safety & Licence
4.8 / 5
Support
4.2 / 5
The overall rating is our judgement of the whole casino, not the average of these five scores. |
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We are paid through affiliate links, and that is worth stating plainly. If you open an account after following a link from this page, the operator may pay us a commission. You pay nothing for it and the offer stays the same.
The order of this table is our rating of the whole casino, with the table-game range weighed on top; no operator can pay to move up it.
How a Hand of Online Baccarat Works
Punto banco, the version every UK lobby carries, is dealt to fixed rules. You choose a side before the cards come out, and nothing you do afterwards changes the hand.
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Place One Bet
Banker, player or tie, plus any side bets the table offers. You are not playing either hand; you are betting on which one finishes closer to nine.
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Two Cards Each
Player and banker each receive two cards. Tens and court cards count zero, aces one, the rest face value. Only the last digit of the total counts, so 7 and 8 make 5.
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A Natural Ends It
A two-card total of 8 or 9 on either side is a natural, and the hand stops there. Otherwise the drawing rules take over.
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The Third-Card Rules
The player hand draws on 0 to 5 and stands on 6 or 7. The banker’s draw depends on its own total and the player’s third card. The software or the dealer applies it; you never choose.
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Paid at the Table’s Rate
Player pays even money. Banker pays even money less a 5% commission. Tie pays 8 to 1 at most tables, and banker and player stakes are returned when it lands.
The full drawing table, with every banker case, is in our guide to how baccarat is played.
The Three Bets and What Each Costs
Eight decks, standard rules, the commission on banker wins taken at 5%. These are long-run figures; any single evening can land a long way from them.
| Bet | Pays | House edge | Return | Verdict |
|---|---|---|---|---|
| Banker | 1 to 1, less 5% | 1.06% | 98.94% | The cheapest bet in the game |
| Player | 1 to 1 | 1.24% | 98.76% | A close second, with no commission |
| Tie at 8 to 1 | 8 to 1 | 14.36% | 85.64% | Dearer than most slots |
| Tie at 9 to 1 | 9 to 1 | 4.84% | 95.16% | Better, still worse than either side |
| Player or Banker Pair | 11 to 1 | 10.36% | 89.64% | A side bet to skip |
| Dragon Bonus on player | Up to 30 to 1 | 2.65% | 97.35% | The least costly side bet |
| Eight decks and 5% commission on banker wins. A tie returns banker and player stakes, and the edges above count it that way. | ||||
Why Banker Is the Bet, Even With the Commission
Banker Wins More Often
The drawing rules favour the banker hand: it wins about 45.9% of hands to the player’s 44.6%, with ties the other 9.5%. The commission exists to take most of that advantage back.
45.9% against 44.6%
The Commission Leaves a Gap
Even after 5% off every banker win, the edge is 1.06% against 1.24% on player. Over a thousand £10 bets, that is about £18 of difference.
1.06% against 1.24%
The Tie Is the Trap
It lands about one hand in ten and pays 8 to 1. Fair odds would be about 9.5 to 1, and the gap is the 14.36% the casino keeps.
One hand in ten
Patterns Mean Nothing
Scoreboards, roads and streak trackers record past hands. The next hand is dealt to the same rules, and the history does not change its odds in any way you can use.
No memory
Software, Live and the Other Versions
UK lobbies carry two kinds of baccarat: software tables dealt by a random number generator, and live tables streamed from a studio. The rules are the same; the pace, the limits and the side bets differ.
| Version | What changes | Best main-bet return |
|---|---|---|
| Punto banco, software | A shuffled virtual shoe and a hand every few seconds | 98.94% |
| Live baccarat | A real dealer and shoe on camera, about a hand a minute | 98.94% |
| Speed baccarat | Live, with cards dealt face up and a round in about 27 seconds | 98.94% |
| No Commission | Banker paid even money, except a winning 6, which pays half | 98.54% |
| Lightning Baccarat | Random card multipliers, paid for by a fee on every bet | Up to 98.76% |
| Dragon Tiger | One card each, highest card wins | 96.27% |
| Best main-bet return on each version with standard rules, as the game studios publish them. | ||
Faster tables cost more per hour at the same stake, because the edge is charged on every hand. The live tables, with the studios and the stakes at each casino, are compared on our live baccarat page.
What an Evening of Baccarat Costs
The house edge is a price per bet, so the cost of an evening depends on how many hands you play. Software tables deal far faster than live ones.
At £10 a hand on banker, a live table at about 60 hands an hour costs around £6 an hour on average. A software table at 200 hands an hour costs about £21.
Put the same £10 on the tie and the hour costs about £86 live and £287 on software. The bet you choose matters more than the table you choose.
What to Take From That
- Bet banker, or player if you would rather not pay commission. The gap between them is under a fifth of a percentage point.
- Leave the tie alone. At 8 to 1 it costs more than thirteen times as much as banker.
- Skip the side bets. The pairs and bonus bets carry edges from 2.65% to over 10%.
- Slow down. The software table’s speed is its cost; a live table at the same stake costs less per hour.
- Check the bonus terms. Baccarat is weighted low or excluded on most UK welcome offers. Play it with your own deposit.
Choosing Where to Play Baccarat
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Find the Commission and the Tie Price
Open the game’s help page before the first bet. Banker should pay 0.95 to 1, and the tie 8 or 9 to 1. A 9 to 1 tie is better; neither is a good bet.
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Match the Limits to Your Stake
Our table shows the minimum and maximum bet each casino publishes for software baccarat. Pick a table where your stake sits well inside both.
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Choose the Pace
Software is quick and private; live is slower, so it costs less per hour at the same stake. Decide which before you sit down.
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Set the Deposit Limit First
Set a deposit limit at the casino before the game opens, not after a run of hands. It is easier to keep a limit than to set one halfway through.
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Leave the Offer Out of It
Baccarat usually counts little or nothing towards bonus wagering. Play it with cash, and use an offer on the games it was written for.
Baccarat Terms, in Plain English
- Punto banco
- The standard casino version of baccarat, dealt to fixed rules with no player decisions after the bet. Every UK lobby carries it.
- Banker
- One of the two hands, and the bet on it. Wins slightly more often than player, which is why its wins carry a 5% commission.
- Player
- The other hand, and the bet on it. Paid at even money with no commission. It has nothing to do with you personally.
- Tie
- A bet that both hands finish level. Pays 8 or 9 to 1, lands about one hand in ten, and carries the biggest edge on the table.
- Commission
- The 5% taken from banker wins. On a £10 winning bet you receive £9.50 profit.
- Natural
- A two-card total of 8 or 9. It ends the hand at once, and no third card is drawn.
- Third-card rule
- The fixed table deciding whether each hand draws again. Applied automatically; you never make the choice.
- Shoe
- The box the cards are dealt from, usually holding eight decks. Software tables use a virtual one, reshuffled by the random number generator.
- Side bet
- An extra bet on something other than the main result, such as a pair. Higher payouts, and higher edges than banker or player.
- Game weighting
- How much a game counts towards clearing a bonus. Baccarat is often weighted at 0% to 10%, or excluded altogether.
Where to Go Next
In Short
What to Take Away
- Online baccarat is punto banco: you bet on banker, player or tie, and the cards are dealt to fixed rules.
- Banker is the cheapest bet at 1.06% after commission; player costs 1.24%; the tie at 8 to 1 costs 14.36%.
- Side bets carry edges from 2.65% to over 10%. Leave them alone, along with the tie.
- Software tables deal far faster than live ones, so they cost more per hour at the same stake.
- Baccarat counts little or nothing towards most UK bonuses. Play it with your own deposit.
Frequently Asked Questions
Is online baccarat legal in the UK?
What is the best bet in baccarat?
Is online baccarat fair?
What is the difference between online and live baccarat?
Is there a strategy for baccarat?
Does baccarat count towards casino bonuses?
Every offer, wagering figure and licence number on this page is checked against the operator’s own terms and the UKGC public register before it is published.