Featured Casino

1win Casino Review

Deposit Bonus 500% up to $1000 Claim Bonus

Everything About Online Baccarat

Baccarat is one of the oldest casino games, as it is believed to have been invented back in 1400. The game is very easy to learn and people often play in Ghanaian online casinos. Though it has a few similarities with the classic blackjack game, it doesn’t require you to make decisions after placing a bet. One of the reasons why many Ghanaians are attracted to baccarat is because it comes with a low house edge of around 1.06%. This gives you an upper hand in landing frequent wins at any table. In our full guide, we have started by giving you a brief history of the baccarat game, followed by the rules of playing, common terminologies, winning tips and strategies, and then the common baccarat variations. Also, you will learn how to choose a baccarat online casino and answers some of the frequently asked questions about the game.

Top Ghanaian Casinos with the Best Online Baccarat Options in 2024:

1 888CasinoWelcome Bonus Package $1500 Claim Bonus888 Casino Review
2 777 Casino LogoWelcome Package Up to $1500 Claim Bonus777 Casino Review
3 Jack Million Casino LogoWelcome Bonus Package Up to $3000 + 150 Free Spins Claim BonusJackMillion Casino Review
4 Cashalot Casino LogoWelcome Bonus up to 45,000€ + 50 Free Spins Claim BonusCashalot Casino Review
5 1Win Casino LogoDeposit Bonus 500% up to $1000 Claim Bonus1win Casino Review
6 betObet Casino LogoWelcome Bonus 100% up to 500$ Claim Bonusbet O bet Casino Review
7 1xSlots Casino LogoWelcome Package Up To €2000 + 150 Free Spins Claim Bonus1xSlots Casino Review
8 Betway Mobile_logoBetway Mobile_logoExcellent Choice Of Slots And Live Casino Games Claim BonusBetway Casino Review

Baccarat History

Baccarat or Baccara (uncountable) is a French term that refers to a game that the banker and a punter play. As earlier mentioned, this game first appeared in Italy back in the 1400s. However, it was not until 1847 that the first recorded reference of baccarat by Charles Van-Tenac. Although there is a rumor of baccarat being played in the US between the 19th and 20th centuries, there is no mention of the game in Nevada’s casino gambling law of 1931. The very first variant of baccarat to be created was Chemin de Fer before it was followed by Punt Banco. Though many people still debate about the originality of the game, it has gotten the attention of people all over the world. Today, you can find different versions of baccarat in free mode or real at leading online casinos in Ghana. Thanks to technology, you play these games from wherever you are across different platforms.

Online Baccarat Review

Baccarat Terminologies

Before you start playing online baccarat, here are some of the most common terms that you should familiarise yourself with.

  • Banco: This is a Spanish word referring to the banker or a bank.
  • Bankroll: This is the money you set aside for gambling purposes.
  • Burn: Refers to the time between shuffling cards and the start of a new game. The top 3-6 cards are left out.
  • Callman: Is the person in charge of calling cards in a casino.
  • Down Card: A playing card facing down.
  • Face Card: A playing card with portraits, such as Jacks, Queens, and Kings.
  • Up Card: A playing card facing up.
1xSlots Casino Logo Welcome Package Up To €2000 + 150 Free SpinsClaim Bonus
1 1xSlots Casino LogoWelcome Package Up To €2000 + 150 Free Spins Claim Bonus1xSlots Casino Review

How to Play Baccarat

Initially, the rich and the high rollers played baccarat. Thanks to technology, you can baccarat today without even risking a single cent. The rules of playing this game are very simple and do not require an advanced strategy to win. As you may be aware, the goal in baccarat is to pick a hand that will sum up to 9 as close as possible without exceeding it. In the case where the sum exceeds 9, 10 is subtracted from the total.

Moreover, this game plays with 8 full decks of cards. There are two hands to make – the banker or the player. Another option that you may find is betting on a tie.

In baccarat, all face cards and 10s are equal to zero and the aces count as 1. A baccarat hand is referred to as a natural if the hands sum up to 8 or 9.

A third card can be drawn in baccarat if the sum of the player’s hand is 5 or below. If this happens, the rules of playing will change automatically. The following new rules will apply:

  • If the banker has a hand equals to 0-2, a third hand is drawn by all means.
  • When the banker has a hand equal to 3, a card is drawn except when the player has an 8
  • If the banker has a hand equal to 4, a card is drawn except when the player has a 0,1, 8, or 9.
  • When a banker has a hand equal to 5, a card is drawn when the player has a 4, 5, 6, 7.
  • If the banker has a hand equal to 6, a card is drawn when the player has a 6 or 7.

Online Baccarat Tips and Strategies

In as much as baccarat is a pure game of chance, some betting systems increase your odds of winning. Here are the main betting systems Ghanaians can use.

Fibonacci System – This is a popular betting system in online baccarat. The Fibonacci system focuses on consists of the sequence of numbers, where each number is the sum of the previous two.

Paroli System – This is a positive progression betting system that has been around for over 400 years. You must have a fixed stake to start using this betting system. This system guarantees consistent but small wins.

Labouchere System – This is a negative progression system with so many names. The objective of this system is to make up for the lost bets. This is done through small but consistent wins.

Martingale System – Martingale is one of the oldest betting systems. In this system, you should bet the same amount if you win and double the amount if you lose.


Other than the listed baccarat betting systems, there are some tips to increase your winning opportunities. Initially, you should avoid making the tie bet at all costs and play the player bet until it loses. As it is recommended, learn money management skills and while playing, take into account that the banker is always the best bet. Also, play the banker bet until it loses to increase your chances of winning.

1Win Casino Logo Deposit Bonus 500% up to $1000Claim Bonus
1 1Win Casino LogoDeposit Bonus 500% up to $1000 Claim Bonus1win Casino Review

Baccarat Variations

Ghanaian online casinos offer a good choice of baccarat versions, the most popular four main variants of baccarat include:

Punto Banco

This is the most common version in Ghanaian online casinos. It follows the standard rules of playing and the casino acts as the banker.

Mini Baccarat

Mini Baccarat has close similarities to punto banco. What separates the two is that the mini version is fast-paced and with lower stakes. 

Chemin De Fer

This is the oldest version of baccarat. Unlike other variations, one can play this game in turns. Chemin de fer is able to play using 6 to 52 decks of cards. The person with the highest hand plays first.


This version is a combination between the standard baccarat game and Chemin de fer. In this game, the baker position will shift from time to time, but it is based on the player that is willing to wager the highest.

Play Baccarat Online from Your Mobile

The good thing about playing baccarat online is that it is available on all devices. Online casino games are built using modern cutting-edge technology to deliver high-quality graphics and smooth gameplay. Moreover, many online casinos are fully optimized to be accessed instantly through standard browsers like Chrome, Firefox, and Safari. 

Mobile Online Baccarat

Play Baccarat Online

With so many online casinos that accept Ghanaian punters, it can be hard for new players to pick an online casino game. Below are some of the key factors to consider when choosing a good baccarat online casino:

License and Regulation – Initially, recognized authorities like Malta, Gibraltar, and Curacao must license and regulate legal online casino baccarat.

Security and Fair Gaming – To know that a casino is safe, you must check to ensure that it bears the seal of Secure Socket Layer (SSL) encryption software. Also, third-party firms must frequently control and audit the RNG software.

Bonuses – The casino must provide different types of bonuses and promotions to boost your bankroll. Such bonuses may include sign up, reload, match up, and others.

Payment Options – Besides, a good Ghanaian casino must support multiple payment options to ensure that you get your money without any delays. Some of the tops recommended payment options include Visa, Skrill, Paysafecard, and Bitcoins.

Games and Providers – There should be a wide range of casino games to choose from, including popular ones like slots, blackjack, roulette, baccarat, and live dealer versions. Also, multiple software providers like NetEnt, Evolution, and Microgaming must power the casino.

Customer Support – Customer support must be available around the clock through various communication channels like email, live chat, and telephone.

Free to Play vs. Real Money Baccarat

Even though real money casino gaming and free-to-play baccarat have some similarities, there are meaningful differences too, which you should take into account. Bellow, you can see several benefits of each version:

Real Money

  • You win money that you can keep;
  • A huge selection of games to play;
  • Wide range of stakes to benefit from;
  • It’s more exciting to play real money games;
  • Lucrative bonuses and promotions;
  • Stand by customer support service.

Free Play

  • Play without risking your money;
  • Free practice of the game before you play real money;
  • You don’t lose anything.


Baccarat is an exciting casino game that has stood the test time. It is not only easy to learn and play the game, but it also comes with a high RTP of 99.06%. This means that you can win frequently at whichever table you play at. The fact that you can play this game on your mobile device and PCs has contributed to its popularity in Ghana and other countries. 


Sure, you should wager on the banker as it is the best hand in baccarat.

There are four main types of baccarat, including Chemin de fer, Banque, Punto Banco, and Mini Baccarat.

You can bet at a live baccarat table by joining a casino with the live dealer section.

The best strategy to use in baccarat is betting on the banker.

No, you should avoid the tie bet in baccarat.

Betway Mobile_logo Excellent Choice Of Slots And Live Casino Games Claim Bonus
1 Betway Mobile_logoBetway Mobile_logoExcellent Choice Of Slots And Live Casino Games Claim BonusBetway Casino Review