Baccarat for Real Money in Nigerian Online Casinos

Baccarat for Real Money in Nigerian Online Casinos

The itch to play table casino games in the gambling industry is unparalleled, especially with baccarat. Baccarat is a classic casino game that players have enjoyed for centuries and attracts large crowds in land-based and online casinos worldwide. That alone attests to its popularity among gamblers. Despite its reputation as a sophisticated game preferred by high rollers, online casino baccarat in Nigeria is one of the easiest table games to learn and most played since it requires no special skills. You can win at a baccarat table as a novice with little experience and finesse if you’re lucky enough.

Nevertheless, there are basic playing rules that you must learn and understand before joining a real-money table. Therefore, whether you are a seasoned or new player to the game, this review will help you learn the standard rules, give a brief overview of the game’s history, its odds and payouts, identify the numerous variants, and give you some tips and winning strategies, among other relevant details.

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Okayo I. Written & published: 19.04.2023 By author Okayo I.
Richard B. Reviewed & updated: 19.06.2024 By gambling expert Richard B.

About online baccarat

The true origin of baccarat seems to be somewhat unclear. According to some researchers, the game originated in Italy during the mid-15th century. It was initially known as “baccara”, an ancient Italian term meaning “nothing” or “zero,” and was played using Tarot cards. Over time, the game quickly grew in popularity and spread throughout Europe and was particularly renowned in France during the 17th century. Different variations of the game emerged, and one of the most significant versions, “Chemin de Fer” (which translates to ‘railway baccarat’), became a favourite among the French nobility. In this variant, players took turns acting as the Banker, and the game was played with six decks of cards.

On the other hand, some researchers claim that the game was invented by an Italian croupier named Felix Falguierein. Regardless of the unsteady history, most historians agree that baccarat originated in Italy and France, and continued to gain popularity, spreading from there to the United Kingdom and the United States. The game became most popular among casinos in North America (Cuba) under the name Punto Banco.

Baccarat has some of the best chances of winning and a high RTP. This feature is most likely why high rollers are drawn to it. Nevertheless, the game has retained its elegance and sophistication and remains a favourite among players who appreciate its simple and thrilling gameplay.

Online baccarat interface

  • Online baccarat interface
  • Online baccarat interface
  • Online baccarat interface
  • Online baccarat interface

Online baccarat card rankings

Most high roller online casinos with baccarat games use six or eight standard decks. All the playing cards have assigned values used to calculate a player’s hand value during the real money gameplay to determine the winner. For instance, all numbered cards (2-9) are worth their face value, i.e., a five is worth its numerical value of 5, and so on. In addition, all tens and face cards, such as Jacks (J), Queens (Q), and Kings (K), all count for 0, and an Ace is valued as one. Please note that, unlike many card games, the joker cards do not appear in the baccarat game online, and the winning hand is the one whose card values add up closest to 9.

Suppose during the gameplay, a hand’s value exceeds 9. In that case, the rightmost digit determines its value. For instance, a hand consisting of 9 and 6 equals 15, which means the hand’s total value is 5. That’s because you’ll drop the first digit (1) and have a hand value of 5. Furthermore, if the player’s or banker’s hand value on the first two cards is 8 or 9, it’s called a natural. The game round ends whenever there’s a natural hand, and all bets are collected or paid out.

Rules of online baccarat

Playing baccarat online for real money is straightforward despite being considered a complicated game. As mentioned earlier, the game is played with either six or eight decks of cards, and its objective is to get as close to nine points as possible. You only have three main betting options as a player, but the most common include player (punto) or bank (banco). During gameplay, you’re required to bet on which hand you think will be the winner, i.e., the player’s or the Banker’s hand. In addition, you can also bet on a tie between the player and the bank, which usually pays out at a higher rate than the other two wagers (often 8:1), but this depends on your playing variant.

A standard baccarat table has up to 14 players, but the virtual table in online casinos usually has no limit since you only play against the software. Nevertheless, the rules and gameplay remain the same regardless of the number of players. The table is typically divided into three sections (Banker, player, and a smaller section in the middle for ties). 

Online baccarat gameplay

Before the beginning of each game round, players are required to place their bets by selecting the corresponding chip value and placing it on the respective betting area on the table (player’s, Banker’s, or a tie). Once you’re done setting your wagers, click the ‘Deal’ button on the side, and the computer will deal four cards face up, two to the Banker (dealer) and two to the player.

Depending on the total values of the player’s initial two cards, a third card may be dealt to the player’s hand, i.e., if the player scores five or less, they are dealt an extra card. However, if the player receives a third card, whether the Banker hits or not depends on the value of the player’s third card. You should note that the rules for drawing a third card are predetermined and don’t require any decision from you. After the cards have been dealt, the hand with the total card value closest to 9 is declared the winner. If both hands have the same value, it’s considered a tie. All winning bets are paid out according to the paytable.

Punto Banco

Baccarat is undoubtedly an admirable game among online and offline players. The game features numerous variants, and the version you get entirely depends on the baccarat online casino you frequent. Some popular baccarat variants include Punto Banco, Chemin de Fer, and Baccarat Banque. In addition, you can find other variations, such as Mini Baccarat, Speed Baccarat, Squeeze Baccarat, No Commission Baccarat etc., in top Nigerian online casinos. Below is a brief overview of the most popular versions you can play in the best online baccarat casinos.

Also known as American baccarat, Punto Banco is the most popular and widely available baccarat variant at minimum deposit online casinos. The game features three main bets, but only two are primarily used, i.e., the player (punto) and bank (banco), hence the name ‘Punto Banco’. Its gameplay is the one discussed above, plus a few additional third-card rules. For instance, if the player’s hand total is 6 or 7, they’ll stand, and the Banker must adhere to a certain set of rules. 

  • To begin with, if the Banker’s hand has a total of 2 or less, they’ll draw a third card. 
  • In addition, if the Banker’s total is 3, they’ll draw a third card unless the player’s third card is an 8. 
  • If the Banker’s total is 4 and the player’s third card is a 2, 3, 4, 5, 6, or 7, they’ll also draw a third card. 
  • Furthermore, if the Banker’s total is 5 and the player’s third card is a 4, 5, 6, or 7, the Banker will draw a third card. 
  • If the Banker’s total is 6 and the player’s third card is a 6 or 7, they’ll draw a third card.
  • Lastly, if the Banker’s total is 7, they’ll stand.

Mini Baccarat

Mini baccarat is a simplified version of the classic casino game of baccarat. It’s usually played on a smaller table and with eight decks of cards. The rules and gameplay are essentially the same as the traditional game of baccarat, but the stakes are lower allowing players of all budgets to join the table. In addition, the game moves at a faster pace and players have to make the same decisions as with all other variants, i.e., players bet on whether the Banker or the Player will have a total hand value that is closest to nine. 

3D Baccarat

3D online baccarat is a visually enhanced variation of traditional online baccarat. This type of baccarat is designed to provide a more realistic and immersive gaming experience by adding three-dimensional graphics and animations. Nevertheless, the rules and gameplay are the same as traditional online baccarat, with the winner being the hand (Banker or Player) that adds up to a total value closest to 9. 

The cards, table, and chips are all designed to appear three-dimensional, creating a more life-like atmosphere for players. In addition, 3D baccarat offers intriguing game features including adjustable camera angles, which allow players to view the game from different perspectives and fast-play mode, which speeds up the dealing animation.

No Commission Baccarat

No Commission Baccarat is a variation that eliminates the 5% commission that is usually charged on Banker bets. Designed to deliver a luxury VIP treatment, this variation features an improved squeezed action, prominently displayed bead and big roads. In addition, No Commission Baccarat offers various side bets including a Lucky 6 side bet, which pays out on any winning Banker hand with a total value of 6. For a Banker hand composed of 3 cards and a face value of 6, the payout is 20:1, and 12:1 for a winning two-card Banker hand. 

Live baccarat

Live baccarat is an online casino table game that allows players to play in a virtual environment from the comfort of their homes. In live baccarat, the game is broadcast in real time from a land-based casino or a special studio designed for this purpose. Unlike in online baccarat, where a random number generator (RNG) is used to determine the outcome of each hand, live baccarat features a real, human, and professional croupier who deals the cards and runs the game in real-time. Thus, players get to witness the croupier shuffling and dealing cards. In addition, you can interact with the dealer or other players in real time through a chat feature, creating a more immersive and engaging gaming experience.

Since live baccarat is designed to replicate the actual experience of playing in a land-based casino, the game features realistic gameplay and moves at a natural pace with multiple camera angles that allow players to see the game from different perspectives. Furthermore, live baccarat offers two viewing modes (single and multi-player), giving an extra dimension to the game. For previous actions of the shoe, the game provides a good selection of interactive roadmaps that give historical statistics for players to track prior wins.

Like online baccarat, the primary goal of live baccarat is for the player to bet on the hand with a total point value of two or three cards closest to 9. Nevertheless, depending on the variation you’re playing, you can also place side bets that add an extra layer of excitement to the game.

Online baccarat odds and payouts

Every outcome has a certain probability of occurring when you play baccarat online for real money. However, these winning odds depend on a number of different factors, such as the game variation being played and the player’s skill level and strategy. Nevertheless, the standard odds in a baccarat game online are calculated based on the assumption that the cards are dealt from an eight-deck shoe.

Therefore, from the three main bets, the Banker’s hand (banco) has the highest statistical chance of winning with odds of 45.87%. On the other hand, the Player’s hand (punto) features winning odds of 44.63%, whereas the chance of winning if you place a Tie bet is significantly low as it features winning odds of 9.51%. This means that betting on a tie is considered a risky wager since it has a low probability of winning.

  • House edge

    House edge is the statistical advantage that a casino has over the player in any particular game. It’s usually expressed as a percentage, representing the average amount of every bet the online operator can expect to keep as profit. For instance, in a standard baccarat game online, the house edge for the Banker, Player, and Tie bets is approximately 1.06%, 1.24%, and 14.44%, respectively. This means that for every 100 nairas wagered on the Banker, Player, and Tie bets, the player can expect to lose an average of NGN 1.06, NGN 1.24, and 14.44 nairas, respectively, over the long run.

  • Payouts and RTP

    Depending on the bet type and game variant, online baccarat features an RTP percentage range of between 85.56% and 98.94%. Nevertheless, the optimal theoretical Lightning Dice RTP (return to player) percentage for a standard game is 98.94% for the Banker bet, 98.76% for the Player’s hand, and 85.64% for the Tie bet.

    Furthermore, the payouts for a winning Player and Banker bet are 1:1 and 0.95:1, respectively. You should note that the Banker’s hand usually comes with a 5% commission on winning bets, reducing the overall payout of the bet. For the Tie bet, the payout is much higher than the other two bets. Depending on the baccarat variation and game rules, the payout for a winning Tie bet is 8:1 or 9:1.

Side Bets in Online Baccarat

In addition to the main bets (Player, Banker, and Tie), most online baccarat variations offer numerous side bets that you can make to add some extra excitement and flair to the game. Below are some of the most common side bets in online baccarat.

  • Either Pair

    This bet pays out if the Player’s or Banker’s first two dealt cards form a pair. This means that if the first two cards dealt to either hand are of the same rank, such as two 7s or two Kings, the Either Pair bet wins. The payout for this side bet is usually 5:1.

  • Perfect Pair

    The Perfect Pair bet pays out if the first two cards dealt to either the Player or Banker form a pair of the same suit and rank. For instance, if the first two cards dealt to the Banker are two 6s of diamonds, the Perfect Pair bet wins. The payout for this type of bet is usually 25:1.

  • Dragon Bonus

    The Dragon Bonus bet pays out based on the margin of victory for the winning hand. This bet can be placed on either the Player’s or Banker’s hand, and it features different payouts depending on the winning hand’s margin. For instance, suppose the Player’s hand has a total of 8 points while the Banker has 5 points. In that case, the margin of victory is 3 points.

  • Big/Small

    These bets involve predicting the total number of cards that will be dealt in a round. A Big bet wins if the total number of cards dealt in a round is 5 or 6, while a Small bet wins if the total number of cards is 4. The payout for the Big bet is typically 0.54:1, whereas, for the Small bet, a winning hand receives a payout of 1.5:1.

  • Égalité

    This side bet involves betting on a Tie outcome of a specific value between the Player’s and Banker’s hands. The Égalité bet wins if both hands have the same total point value at the end of the round. Depending on the total value, the payout for this bet stretches from 80:1 and goes as high as 220:1.

  • Bellagio match

    This bet involves wagering whether the Player’s and Banker’s hands will have a three-of-a-kind match of the same rank. For instance, you’ll receive a payout if either hand has three 5s or three Queens. The payout for this bet varies depending on the winning hand, with the Player’s hand receiving a 75:1 payout and 68:1 for the Banker’s hand.

  • Dragon 7

    This is a pretty rare side bet offered in some baccarat versions. It involves betting on that the Banker’s hand will win with a total point value of 7 and that the hand will comprise three cards. The bet loses if the Banker’s hand has a total value of 7 but consists of more than three cards. The Dragon 7 bet usually features a payout of 40:1.

Online baccarat providers

The best online baccarat casinos in Nigeria partner with various top-tier software vendors and game development studios to deliver first-class online baccarat titles to their desktop and mobile users. Below is a review of Nigeria’s most popular online baccarat software providers.

  • netent


    NetEnt is a popular software vendor of top-notch gaming products and has been in the online gambling market for over 20 years. The company is well known for creating some of the most unique and innovative gaming content. For most players, the most thrilling part of the gaming encounter is the opportunity to feel like you’re on the floor of a glamorous land-based casino. NetEnt offers authentic and immersive online baccarat in both fun and real money modes. The company provides Baccarat Pro, an eight-deck table that contains no side bets but delivers a true baccarat gaming experience.

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  • microgaming


    Microgaming is a reputable game development studio that was founded in 1994. The company has made a name for itself in the gambling niche as it was the first to develop online casino software. However, in May 2022, the company sold its distribution business and online casino games catalogue to Games Global, a new supplier in the market. Nevertheless, Microgaming has advanced immensely over the years to create thrilling casino games, including online baccarat with multiple variations such as Baccarat and Baccarat Gold. The Baccarat Gold variant is played with eight decks and steps things up into a more sophisticated gameplay in which players can squeeze, flip, and rotate cards.

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  • play n go

    Play’n GO

    Founded in 2005, Play’n GO is one of the leading developers and providers of unique and all-encompassing gaming products in the online gambling industry. Its top-notch gaming content, designed for multi-device use, sets the company apart from its competitors and is widely respected by players worldwide. Play’n Go provides a unique baccarat title called Mini Baccarat. It’s a simplified version of the classic baccarat, but it’s played on a smaller table and can accommodate fewer players, usually up to seven. The rules and gameplay are essentially similar to the traditional baccarat game, but the stakes are lower, and the game moves faster.

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  • yggdrasil


    Established in 2013, Yggdrasil quickly rose to prominence by providing an innovative and state-of-the-art line-up of gaming content. The company’s love of gaming is boundless. Therefore, Yggdrasil has prioritised delivering iconic gaming experiences through its first-class baccarat titles, such as Baccarat Evolution and Baccarat Evolution VIP. These titles feature gaming mechanics that appeal to each player and cater to their preferences while enhancing playability.

    Read more

Online baccarat tips and tricks

Before you place your first bet when playing baccarat online for real money, you should consider a few factors that will help you enhance winning probabilities while having fun. For instance, you should understand the game rules and manage your bankroll. In addition, you should practise in demo mode since most online casinos with baccarat games offer free play mode for players to get a feel for the game and practise their strategy without risking their hard-earned cash.

Furthermore, online baccarat is a game of chance, and the outcome depends on whether the Banker or the Player will have a hand with a total value closest to 9. Although no strategy can guarantee success in the long run, there are some that you can use to improve your gameplay in any safe and secure casino.


Although commonly used in other table games like roulette, Martingale can also be applied to a baccarat game online as it is easy to understand and use. This system recommends that you should increase your wager after every loss. The primary idea of this strategy is that if you double your bet each time you lose, you’ll cover all of your previous losses in one betting unit whenever you win.


This system is based on a positive progression in which you increase your bet after every win and keep your bet the same after each loss. For example, when playing using the Paroli system, you begin by placing a small bet, and if you win the first bet, double your bet on the next hand. You can continue this process for up to three consecutive wins. However, if you lose a hand, you should return to your original betting amount and start over.

Play Baccarat for free



Online baccarat is a fast-paced and thrilling table casino game that provides hours of entertainment to players of all skill levels and offers the chance to win big payouts. Although it’s a simple game that is easy to learn, you must understand the game rules and betting options before joining a real money casino table. This review has highlighted some essential information, including the rules and gameplay, the main baccarat variants, different types of bets, tips on improving your winning probabilities when playing online casino baccarat in Nigeria, and the most popular strategies.

Online baccarat FAQ

Is baccarat available in Nigerian online casinos?

Yes. You can find baccarat titles from our carefully-vetted list of Nigeria's best online baccarat casinos.

How to play baccarat online?

Online baccarat is a game of chance in which you're required to bet on the hand (Banker or Player) you think will have a total card value closest to 9.

How much can I win in online baccarat?

Depending on the baccarat variation and house rules, the Tie bet features the lowest winning odds and the highest payout of 8:1 or 9:1.

What baccarat bet has the best odds?

From the three main bets, the Banker's hand has the highest statistical chance of winning with odds of 45.87%.

Can I play baccarat on a mobile device?

Top online casinos and software providers use HTML5 technology, ensuring all their games, including baccarat, are easily accessible and playable through mobile web browsers.