Online Baccarat New Zealand 2020

Baccarat is a very simple game but don’t think it is not a fun and exciting one, as it has to be being the game of choice for 007 himself, James Bond. Not only will you find the game at most New Zealand online casinos, but also most online casinos the world over. Not only that but the game is offered at most live casinos, which can give you a thrilling and interactive gaming experience playing with live dealers. Baccarat can be played in the classic version and there are also variations of the popular table game.

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Play Baccarat Online

When you play baccarat online the first thing to know are the rules of the game, which we will touch on shortly. It is also important to know the game before you decide to play for real money. That is why it is advantageous to take advantage of online casinos and their demo mode for games, which means they can be played for free. If you are new to baccarat, want to try out a new strategy, or simply want to play for fun you can do just that in the demo mode and it will not cost you anything. Often, beginners to baccarat jump right in and play for money and that can be the quickest way to lose money.

 

When you sit down at a virtual baccarat table online it is key to know the specific rules for that table. You have to know the stakes the game is played in and if there are any betting variations such as side bets. Just like knowing the rules of baccarat when playing online you also have to know all about the table you are playing at.

 

There are a lot of choices out there for solid online casinos in New Zealand, and the world, over to play baccarat. If that is your game of choice then do some research and see which online casino offers the baccarat game or games you want to play, as well as the stakes you want to play it in.

 

It is also important when you are looking for an online casino to play baccarat that it checks all the boxes for what a good online should offer. The main things you need to look for are making sure the casino is licensed by a recognized gaming body, what bonuses and promotions are offered, banking methods accepted, and if there is a good customer service department. Checking out these things as well as the baccarat game or games you want to play will make it easier for you to find the perfect online casino for your playing style.

How to Play Baccarat Online

It is pretty obvious that before you play baccarat online you need to know the rules of the game and the betting structure. This is especially the case if you are going to be playing for money.

 

Baccarat Rules

 

We mentioned the simplicity of the game of baccarat and that is because there are only three bets that you can make in the player, banker, and tie. Before the game begins you make a bet and then the dealer will deal, face-up, two cards each to the player and the banker. You can bet on either hand and if you bet the tie you are betting that the two hands have the same point total. The main object of the game is to have a 2-card or 3-card hand closest to 9.

 

The card values in baccarat are:

 

  • 10 and face the cards (Jack, Queen, King) are 0 points
  • Ace is worth 1 point
  • 2-9 are worth their face value

 

In baccarat, if the first two cards exceed 9 then you will take the second digit and count it as the point total. For example, if a 6 and 7 are dealt that is 13 with a point total of 3 taking the second digit. If a 6 and Jack are dealt that is 6+0 and the point total is 6. After the point totals are calculated for each hand the player hand acts first. If the player hand has a point value of 8 or 9 it is called a natural and an automatic winner unless the banker hand is an 8 or 9.

 

Here is the action of the player hand depending on the point value:

 

  • 0, 1, 2, 3, 4, 5 – The Player hand will receive one more card
  • 6, 7 – The player hand stands not receiving another card
  • 8, 9 natural

 

After the player hand is over then the banker’s hand is played. Just like the player hand, the action taken will depend on the point value. If the player hand does not take a third card the banker hand follows the same rules just above.

 

Here is the action of the banker hand depending on the point value of the player’s third card:

 

  • If the player hand draws a 9 through Ace the banker will take another card having a score of 0-3 and stands having a score of 4 through 7.
  • If the player hand draws an 8 the banker hand will take another card having a score of 0-2 and stands having a score of 3 through 7.
  • If the player hand draws a 6 or 7 the banker will take another card having a score of 0-6 and stands having a score of 7.
  • If the player hand draws a 4 or 5 the banker will take another card having a score of 0-5 and stands having a score of 6 or 7.
  • If the player hand draws a 2 or 3 the banker will take another card having a score of 0-4 and stands having a score of 5 through 7.

 

When the banker hand is complete the scores are calculated and the bets are paid off. For example, If you bet the banker hand and it has a 3, 4, and Ace that is 8 points (3+4+1) and the player hand is a 2,3, and King that is 5 points (2+3+0) so you would win since the banker’s hand has the higher total. Obviously, if both hands are the same the round ends in a tie.

 

Payouts and House Edge

 

Here are the payouts and the house edge for all three of the baccarat bets:

 

  • Player Hand – 1:1 (1.24% house edge)
  • Banker Win – 0.95:1 -5% commission (1.06% house edge)
  • Tie – 8:1 or 9:1 (14.4% house edge)

 

As you can see the banker bet has the lowest house edge, which is why online casinos will typically take a .5% commission for that bet. Also, the tie bet, which has the highest house edge, will be either 8:1 or 9:1, as it will depend on the online casino.

 

It was mentioned before that many baccarat side bets may be available at online tables. You need to make sure if the table you are playing at has them and if they do what do they mean in terms of payouts. Just a few baccarat side bets include Small Bet, Big Bet, Panda 8, Royal Match, Dragon 7, and Even/Odd.

Online Baccarat Strategies

When it comes to online baccarat strategies many of them are betting systems and not true strategies for the game itself. The reason for this is that in baccarat the actions are predetermined by the cards that iare shown. However, you can find online baccarat strategies that will guarantee to work. Still, that is not the case, as no strategy can also the house edge, as the old saying rings true in the house always has the edge.

 

The two types of online baccarat betting strategies are negative and positive progressive betting strategies. In a positive betting strategy, you bet more after wins while in a negative progressive betting strategy you bet more after a loss. There are quite a few of each type of strategies and let’s take a look at the two most popular ones in the Martingale and Paroli. One important thing to know is that for any negative or positive progressive betting strategy it is for the even money, or close to it, bets of the banker and the player.

 

One thing that was mentioned before is that if you want to try out any new strategy it is advantageous that you try it out for free in the demo mode before playing for real money.

Baccarat Martingale Strategy

The Martingale strategy is a negative progressive one where you double your bet after losing a hand and if you win you stay at your original stake. The theory behind the system is that by betting more after losses you will win money after a win. If you start with an original stake of $10 and lose you then bet $20 on the following hand. If you lose that one you bet $40, doubling the bet after every loss, and then go back to $10 after a win. You can see that it costs you more after losses, but if you win you will come out with a profit.

 

The Martingale is better suited to high rollers and playing at higher table limits. It is a rather risky strategy, as you have to continue to increase your bets after losses, so if you hit a losing streak it can cost you a significant amount of money to get back in the positive. This is the reason the strategy is better for higher table limits as if you hit a losing streak and have to continue to increase your bet and it goes over the table limit you are stuck and cannot get back in the positive using the strategy.

Paroli Baccarat Strategy

The Paroli strategy is a positive progressive one where you increase your bets after a win. In this strategy, you are trying to get three straight wins after a win with your original stake. You double your wager after each win after your original stake one and after three wins reset and begin again using your original stake. Here is an example if $10 is your original stake.

 

  • Original hand – Bet $10 – win $20
  • First Hand – Bet $20 – win $40
  • Second Hand – Bet $40 – win $80
  • Third Hand – Bet $80 – win $160

 

The Paroli strategy is not as risky, as you are betting after wins and not losses. Unlike a negative progressive strategy, a positive progressive one can be used with smaller bankrolls.

 

While not strategies here are some tips for playing baccarat online that can help you win money.

 

  • Avoid the tie bet – The tie bet may look nice with a big payout of 8:1 or 9:1 However, the house edge is so big that it is not a smart bet to make, and on top of that stats show that the tie happens, on average, one out 11 hands.
  • Find an online casino with the lowest banker bet commission – Usually, online casinos will charge a commission for the banker bet of 5%. However, with a little research, you can find online casinos that have lower commissions. You will come across online casinos that offer no commission baccarat games. However, while that may sound attractive if you bet on the banker and it wins having a 6 as the total you will only get half of your bet back. This one outcome where you lose half your bet offsets the lower house edge.
  • Bet the banker more often than not – Even with a 5% commission the house edge makes the banker bet the smartest one to make. In the long run, even paying commission the smart bet is the banker bet with the lowest house edge in the game.
  • Don’t fall for Gambler’s Fallacy – Gambler’s Fallacy is thinking the odds change for one hand depending on what has happened in the previous hand or hands. Don’t look for patterns, as you have to know that the odds are the same for the upcoming hand no matter what happened in the previous hand or hands. For example, if the player hand wins six times in a row the odds are still the same that it will win the next hand, and that does not mean it decreases the odds of the banker bet winning the hand.
  • Always use smart money management – This rings true for baccarat or any online casino game that you play for money. The old saying is never gamble with more than you can afford to lose. Before joining a virtual baccarat table online have a set bankroll for that session and do not go over it. Losing streaks happen but if you stick to your bankroll it will keep you from losing big.
  • Don’t chase losses – Chasing losses, or hedging bets, is betting more on a hand or hands after a loss. Yes, this is a type of negative progressive strategy but that is a strategy to use rather than trying to recoup money lost quickly rather than chipping away at losses. If you chase losses trying to win money back more quickly it can get you in a hole very quickly.

Baccarat Online Summary

Considering baccarat is a popular game you will have no problem finding it at New Zealand online casinos or any others that accept players from New Zealand. Still, we have touched on some important aspects of the game that you need to know such as the rules, betting variations, strategies, and tips. If you know these things it will make it much easier for you to find an online casino where you can enjoy playing baccarat at the stakes you want to play the fun and exciting game in.

Matt Cooper

By Matt Cooper

Published December 11th, 2020

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