Live Dealer Baccarat Guide

Over the past few years, the popularity of Live Dealer games has boomed as many NJ online casinos began adapting the world’s most popular games for a new, innovative platform.

Gaming with live dealers creates what is a completely unique and more comfortable betting experience while maintaining the legitimacy and credibility of a land-based casino operation. Live Dealer games provide something completely authentic while allowing New Jersey online casino players to remain in the comfort of their own homes or in a location of their choice.

There is little doubt that the future of Live Dealer games is bright and perhaps there is no game that benefits more from the development of live streaming games than Live Dealer Baccarat.

To Learn More Please Visit Our Live Dealer Casino Games Guide!

What Is Baccarat?

Baccarat was invented in 15th-century Italy before spreading all over Europe and eventually the Americas. It has changed a bit over time with travel across the world, but still remains true to its roots in many of the game’s characteristics.

It’s definitely an interesting game that appears more complicated than it actually is. After learning the rules, it’s quite simple and fun to play. At land-based casinos, there are seemingly always Baccarat games going on, and many times with others watching around the tables to get a peek at the action. Many casino games are complicated at first and can be intimidating to jump right into, but Baccarat is luckily not one of those games.

NJ online casinos do offer a digital version of Baccarat, much like Video Poker, but players can now enjoy Live Dealer Baccarat, which provides the excitement of a casino table and the choice of cozying up on the couch while trying to win money.

Which Online Casinos Have Live Dealer Baccarat

Explaining Live Dealer Baccarat

Live Dealer casino games are exactly what they sound like: casino games being played with a real table with real players in a game run by a professional live dealer. The table is streaming from an actual casino floor over a secure internet feed while you’re in a location of your convenience!

In terms of gameplay, Live Dealer Baccarat is played the same way that the game is played in a land-based casino or at an online casino using a Random Number Generator. Unlike some games that have transitioned to the Live Dealer platform, Baccarat doesn’t require players to learn many alternative rules or ways of playing.

live dealer baccarat nj online casino

How To Play Live Dealer Baccarat

Baccarat revolves around two hands battling it out for the win: a Player hand and a Banker hand. The Banker is not and should not be thought of as the “The House” or the casino itself.  The dealer takes charge of both hands and the names are merely a way of differentiating the two sets of cards. Because the game is played between only two hands as opposed to an entire tables worth of players, it tends to move quickly and allows players to seamlessly jump in and out as they wish.

Perhaps what helps draw such a large audience to Live Dealer Baccarat is the low house edge in comparison to other games. The edge on a Player’s hand is 1.24% while a Banker hand is even lower at a number around 1.06%.

The object of the game is to select the correct outcome of the hand prior to it beginning. There are three very basic and easy-to-understand outcomes to choose from at the beginning of a hand. Whichever hand (Player or Banker) winds up with a value closest to nine at the end is deemed the winner, and how that works will be explained in more detail below.

To start the game, bets must be placed on which hand will wind up the winner between the Player and Banker, or if a tie will occur. For now, participants in the game can bet on the following outcomes:

  • Player Wins (Closer to 9 than Banker; pays at 1:1 odds)
  • Banker Wins (Closer to 9 than Player; pays at 1:1 odds minus 5% commission)
  • Push (Both hands tie in value; pays at 8:1 or 9:1 odds)

Before the hand is dealt, Live Dealer Baccarat wagers can be placed on any of the three options. Participants in the game aren’t required to bet only on the Player and can take the Banker or a tie at any point prior to the start of a hand. Scorecards are available in the streaming version of the game, similar to a standard casino game, in order to keep track of past hands.

Learn More With Our How To Play Baccarat Guide!

Live Dealer Baccarat Card Values And Scoring

Understanding the card values when it comes to Baccarat is essential to becoming a winning player, and Live Dealer Baccarat is no different. Card values remain the same as a traditional casino game, and like blackjack, card suits have no bearing on the outcome of hands. Live Dealer Baccarat card values are as follows:

  • Cards numbered 2 through 9 are counted at face value
  • Picture Cards and 10s have no value and are calculated as zero
  • Aces are valued at 1

Again, the goal of each hand is to come as close to nine as possible. It’s extremely important to know that when it comes to scoring in any type of Baccarat game, only single digits are used. This means that whatever number your hand adds up to, it will be translated into a single digit to find your score. Any hand totals that add up to 10 or higher drops the first of its two digits in order to keep it at 9 or below (Example: You have two 7s, which equal 14, so your score is 4. If you have an 8 and a 9, which adds up to 17, you have a hand total of 7). By card value, the highest possible total a player in the game can have is 18 (two nines), so this rule works with any and every hand.

Live Dealer Baccarat Gameplay

Live Dealer Baccarat is a game that allows participants to sit back and watch for the most part once bets are made. The dealer takes care of everything from there, and the game contains some very specific rules for scoring and dealing extra cards to either hand. The rules are universal, so they can be translated to any game, any place.

Live Dealer Baccarat Rules

Below, we will take a look at the rules for the Player and Banker hands while walking through the gameplay sequence for a standard hand of Live Dealer Baccarat in an online casino setting.

  • Once all bets are placed, the dealer provides two cards to both the Player and Banker. The score of each hand is then added up. (Additional Examples: If you have an 8 and a 3, which equals 11, you actually have a score of 1. If you have a 6 and a King, your score is 6. A hand consisting of a 3 and a 2 would simply be five).
  • A hand totaling 8 or 9 for the Player or Banker with just the first two cards is referred to as a ‘Natural.’ In these cases, the hand immediately stops and totals for both are counted to find a winner (An 8 would be two cards adding up to 18 as well). This is called a ‘Natural Win.’
  • If the Player has a hand totaling 5 or below, a third card is drawn to that hand. If the Player hand is 6 or 7, the action becomes Stand, or take no further cards.

Player Hand: First Two Cards

Action

8 or 9

Natural Win or Stand

6 or 7

Stand

0-5

Draw A Third Card

Rules for the Banker hand vary slightly from those of the Player’s hand. The first thing to remember is that if the Player hand received no additional cards, the Banker hand simply Stands at 6 or higher and draws an additional card with a total of 5 or less.

  • If the Banker has a hand totaling 2 or less, an additional card is drawn.
  • If the Banker hand totals 3, a third card is drawn unless the Player hand has a total of 8
  • If the Banker hand totals 4, it receives an additional card if the Player hand totals 2 through 7.
  • If the Banker hand totals 5, a third card is drawn as long as the Player hand totals 4 through 7.
  • If the Banker hand totals 6, it receives an additional card if the Player hand totals 6 or 7.
  • Banker hand will not receive any additional cards with a total of 7

Banker Hand: First Two Cards

Action

8 or 9

Natural Win or Stand

7

Stand

0, 1, or 2

Draw A Third Card

3, 4, 5, and 6

Draw or Stand based on Player hand

Mini Baccarat & Live Dealer Baccarat Side Bets

Mini Baccarat was introduced as a game with lower limits and allowed for more players to play at the table. Originally, Baccarat was a high roller game, which actually allowed players to handle the cards. In most instances, this is no longer the case. But outside of those factors, Baccarat and Mini Baccarat are practically the same and NJ online casinos offer the game that many people know and love, which is actually Mini Baccarat, but many just simply call it Baccarat. many players know and love as Live Dealer Baccarat.

The Dragon Bonus is a popular side bet in standard casino and in some online casinos as well. It pays out on Natural wins and rewards those who emerge victorious by a large margin. Participants chose the Player or Banker just like a regular Baccarat hand. A win by four or more points are required for Dragon Bonus payouts, which are detailed below:

  • Natural Win: Pays 1:1
  • Natural Tie: Push
  • 9-point Win: Pays 30:1
  • 8-point Win: Pays 10:1
  • 7-point Win: Pays 6:1
  • 6-point Win: Pays 4:1
  • 5-point Win: Pays 2:1
  • 4-point Win: Pays 1:1

The house edge for Player Dragon Bonus bets can range from 2.65% to 2.70% depending on how many decks are in the game, while the house edge for Banker bets ranges between 9.37% and 9.42%.  

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