Best Baccarat Online Casinos for Real Money

We have tested and selected the top baccarat online casinos to play in the Philippines this year. Considering the number of games, bonuses, compatibility for Pinoy players, and quality, we listed the casinos that showed the best user experience overall. Give our summary a quick read and pick one to start playing for free or with real money.

3 Best Baccarat Casino Online Sites

Among all of the online baccarat casinos we tested, we have come down to a shortlist of a few that are valuable in one way or another. Check out our list of highlights and pros and cons for each one before making a decision.

137 ratings
100% Up to 7,000 PHP First Deposit
  • Website in Tagalog
  • Many payment methods
  • Free bets
139 ratings
100% Bonus Up to 86,000 PHP + 150 Free Spins!
  • Odds above the average
  • Many betting lines
  • Local payment methods
131 ratings
100% Bonus Up to 18,000 PHP!
  • Tagalog language
  • Many betting lines
  • Several cryptocurrencies

20Bet Casino: Top Choice for Filipinos

20Bet Casino

Credit: 20Bet

20Bet made it to our #1 choice thanks to how well-adapted it is to Pinoy baccarat players. With a Tagalog version, the best local payment methods, and compatibility with our currency, it is an easy pick. Besides, it has the most popular online baccarat games for casinos, both live and individual versions, thanks to its many partnerships with providers.

  • Best Feature: Variety of payment methods.
  • Best Baccarat Game: Baccarat Deluxe by PG Soft

Play Baccarat Online on 20Bet!

1xBet Casino: Best Game Variety

1xBet Casino

Credit: 1xBet

1xBet is another great choice if you want to play with Philippine Pesos and transfer with our local methods, even though there are fewer options. On the other hand, it compensates with a large variety of baccarat games, with changing layouts, rules, and conditions to always make it a new experience – especially if playing live. Besides, it also has a dedicated category for baccarat games, so you do not need to search for them separately.

  • Best Feature: Best live baccarat variety.
  • Best Baccarat Game: Baccarat by Pragmatic Play

Play Many Baccarat Games on 1xBet!

22Bet Casino: Best Game Variety

22Bet Casino

Credit: 22Bet

With 22Bet, we can also play baccarat while navigating the website in Tagalog and depositing and withdrawing in PHP. On the other hand, our local payment methods are not available to play online baccarat. Fortunately, the number of live online baccarat games and individual high-quality titles make up for that fault to make it a top 3.

  • Best Feature: Great variety of games.
  • Best Baccarat Game: Baccarat Triple Treat By OneTouch

Is Online Baccarat Legal In The Philippines?

Baccarat is totally legal in the Philippines, as it is not restricted by any of the applicable regulations and laws. When it comes to playing online, as long as you do not play on PAGCOR online casinos, which are restricted to Pinoy players, you are playing legally. Opt for international licensed casinos instead, and play for as long as you want.

How to Play Baccarat Online?

In order to play this card game on any of the recommended online casinos, you will need the same baccarat rules. Once you are familiar with them, there are only a few simple steps to follow in order to play:

  1. Create an account on one of the best baccarat online casinos.
  2. Make a deposit with your favorite payment method if you want to start playing for real money.
  3. Find the table games or baccarat category of the casino.
  4. Pick a game, preferably a traditional one if you are new to this.
  5. Adjust the total bet value according to your real money or demo balance.
  6. Put the coins or chips with the bet value on your bet of choice.
  7. Push the deal button.
  8. The winnings are automatically collected.

As an automatic game, there is not much you need to worry about. It is far easier than online blackjack, with no instant loss or the need to make a decision after the bet.

Play Baccarat Online

Credit: 20Bet

Live Baccarat

If you are playing live baccarat online, the only difference is that there will be a specific time for each action. On the other hand, there are special live baccarat rooms on casino websites with special features. There are faster baccarat games, the “squeeze” version with extra tension, and even versions with multipliers.

Live Baccarat

Credit: 20Bet

Online Baccarat Game Variants on Online Casinos

It is important to know what the variants found on baccarat online casinos have that is different from the traditional game. Regardless of whether you find them interesting or not, that will allow you to pick the best choice for your preferences:

  • Punto Banco: Traditional baccarat with six to eight decks. Pick Player, Banker, or Tie and hope for the best cards.
  • Chemin de Fer: Both the Player and the Banker hands can have cards removed, opening room for decisions.
  • Baccarat en Banque: Played with three decks and only betting on the banker, which is why it is not on online casinos.
  • Mini Baccarat: Despite the name, it is the same traditional baccarat but usually with lower limits.
  • No Commission: This version does not collect commissions on Banker hands. However, the payment is lower for winning hands of 6.

In general, the vast majority of the online casinos with baccarat will offer Punto Banco with different added features to keep them interesting, even playing on live casinos. The varying rules for those variants are much more applicable in land-based casinos.

Baccarat Odds and House Edge

As a simple and fast game, baccarat does not have much to vary in your stake. If you are really new to this, knowing the odds and the house edge on baccarat online casinos can give you a clearer idea of what to expect in terms of payment:

BetUsual PaymentOddsHouse Edge
Banker / Bank1x44,62%1,06%
Tie8x / 9x9,52%14,40%

Therefore, it is always a case of having almost half of the chances of winning with only a 1:1 payment or less than 10% of winning odds with 8x to 9x your stake. That is far less than the best 35x payment on online roulette games and never comparable to the best winnings of online slots. As always, casino games’ payout is always proportional to risk.

Free Online Baccarat Vs. Real-Money Baccarat Casinos

When playing on baccarat online casinos, you can always choose the demo version of non-live games. Playing free online baccarat can help you familiarize yourself with the games from different providers and have fun with no commitment. However, demo free games can never generate real winnings. Here is a comparison table to absorb the idea:

Free Online BaccaratReal-Money Baccarat
  • No need to deposit or wager real money.
  • Have fun for as long as you want.
  • Never generates any winnings.
  • Can grow tiresome rapidly.
  • Real winnings are collected to your account.
  • Losses cannot be requested back.
  • The only way to play live baccarat.

Therefore, it is always a matter of what you are looking for at the moment. Whenever the answer is to try to win money playing baccarat on online casinos, go for the real-money mode.


Yes, the whole point of playing online baccarat is to get paid when you win. Just make sure to also bet with real money to have that right and choose reliable casinos.

Some casino bonuses can be used on live baccarat games, but your bets only contribute 10% to the total rollover because of the easier odds compared to slots. Therefore, that may not be ideal.

Yes, as long as you pick safe online casinos that went through our full review and approval.

In general, the maximum win per round is fixed at 8 to 9 times your stake with a tie bet. On the other hand, there are live baccarat games with multipliers and much higher winnings.

No, you need to wager real money in order to participate in live baccarat rooms.

If the specific hand has two identical cards, that is a perfect pair. In some games, that can be added as a side bet.