Baccarat Strategy – Top Baccarat Betting Systems and Winning Tips

Many baccarat strategies have been developed since the invention of this game. It may be surprising that a simple game like baccarat requires strategy, but where casino gambling is concerned, there’s always the need to increase your chances of winning. For many players, the allure of this game isn’t just in the toss of the cards but in the strategies employed to sway fortunes in their favour. After all, in such chance-based games, it makes sense to want to navigate the unpredictability of outcomes.

Baccarat strategies and tips don’t guarantee an infallible win. No casino gaming strategy does. But knowing to stick to the Banker or avoid the Tie bet could be the difference between a winning and a losing game.


Anne Ifeanyi

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Table of Contents

Quick Recap of Baccarat Rules

Before hopping on any baccarat strategies, it’s vital to understand the basics of this casino thriller. Luckily, anyone can learn how to play baccarat in a matter of minutes. At its essence, baccarat involves two hands being dealt – the Player hand and the Banker hand. The objective is to predict which hand will have a total value closer to 9. Players can place a bet on either of these hands or opt to bet on a Tie.

Cards 2 through 9 retain their face value; aces count as one, and 10s, jacks, queens, and kings have no value (counted as zero). If the sum of cards per hand exceeds 9, only the last digit counts. So, a total of 15 becomes 5, and a total of 12 becomes 2.

Understanding these fundamentals of baccarat gameplay is more than half the battle.

Baccarat Betting Strategies and Systems

Since baccarat isn’t a game of skill, there are no game-based strategies like basic strategy in blackjack. Instead, you can implement betting strategies that advise different ways to approach your baccarat wagers. Navigating this game becomes more compelling when you arm yourself with these tried-and-true betting strategies.

Below are the most common baccarat strategies:

The Martingale System

Often a favourite for newbies at baccarat casinos, the Martingale revolves around a simple principle: double your bet after each loss. The idea? When you eventually win, you’ll recover all you’ve lost previously and gain a profit equal to your original bet. It’s as promising as it sounds.

However, while it can work in the short run, the Martingale can lead to rapidly increasing bets, which might test the limits of your bankroll if you encounter a prolonged losing streak. Besides, some baccarat tables have max bet limits as well, which could further hamper the effectiveness of this strategy. A good idea is to start on really low bets and check the betting range of the baccarat game you choose. With the Martingale system, you stick to your original bet whenever you win.

The Paroli System

Think of this as the optimistic sibling of the Martingale. Instead of doubling your bet after a loss, with Paroli, you double it after a win. It’s a positive progressive betting system that aims to capitalise on winning streaks and protect your bankroll during downturns. Successfully doubling your bets three times will increase your wins up to seven times. For example, if you bet €10 and win, you double your next bet to €20, and if you win again, your next bet would be €40. Win once more, and you go for €80. Regardless of the subsequent outcome, you’d have won €80 with a bet of €10, making a €70 profit.

At any point in the sequence, a loss will take you back to your original bet of €10. Also, after winning three times, you must return to €10 and begin the cycle again. Starting with a low original bet is also advisable here, as the lower your bet, the longer your bankroll lasts.

Flat Betting Strategy

For those who find solace in consistency, the Flat Betting approach beckons. Here, you simply wager the same amount every time, regardless of wins or losses. It’s straightforward and minimises risk, making it an appealing choice for many, especially if you’re wary of dramatic upswings and downswings.

Basically, if you start with a €10 bet, you stick to this amount for the entire duration of your baccarat session. It’s advisable to go for the table minimum, but you can select any agreeable amount depending on the size of your bankroll. The pros recommend using the flat betting strategy alongside the one-sided baccarat betting system.

One-Sided Baccarat Betting System

You’ll often hear that the best way to play baccarat is to only bet on the Banker. This is true, owing to its lower house edge. When playing without a strategy, Banker is indeed your best bet. However, the one-sided baccarat betting strategy doesn’t favour only the Banker bet but also the Player bet. The idea is to choose one side, either the Player or Banker, and stick to it.

There’s only a small house edge difference between the two, and sometimes the Bank may experience a good streak, while other times, the odds may fluctuate in favour of the Player side. Sticking to one side will allow you to benefit from a winning run when it happens. This may not necessarily increase your wins, but it’ll cut down on losses that may occur from switching between bets and missing out on those short-lived advantages for any single bet.

Below are variations of the one-sided betting system:

  • Bet on the Banker hand until it loses. If your Banker bet loses, wait out the next round and resume betting on whoever wins, either Player or Banker. Tie bets do not count.
  • Bet on the Player hand until it loses. If the Player bet loses, hop on Banker right away.

Some Other Betting Systems for Baccarat

1-3-2-6 Betting System

The name of this system might sound more like a dance step sequence than a betting strategy, but it’s quite intuitive when broken down. Essentially, it’s about adjusting your bet based on a sequence of numbers: 1, 3, 2, and 6. If you begin with a bet unit of, say, €10, you’d bet €10 in the first round, €30 in the second if you win, €20 in the third if you win again, and finally, €60 in the fourth if you’re still on a winning streak. After the fourth bet, you return to the initial bet, regardless of the outcome. You also go back to the original bet whenever you lose. This system capitalises on winning streaks while limiting losses.

Fibonacci Betting System

The Fibonacci sequence goes like this: 1, 1, 2, 3, 5, 8, 13, 21, etc. It’s a series where each number is the sum of the two preceding ones. When applying the Fibonacci to baccarat, you increase your bet following the sequence each time you lose. When you win, you move back two steps in the sequence. So, if you start with a bet of €10 and lose, your next wager would be €10, then €20, then €30, and so forth. The underlying principle is that a win will eventually cover your losses, though, as with many progressive systems, a long streak of losses can escalate bets significantly.

D’Alembert Betting System

This betting system, named after the French mathematician Jean-Baptiste le Rond D’Alembert, is often deemed safer than the likes of Martingale. It’s a simple progression strategy where you raise or decrease your bet by one unit after a loss or win, respectively. Suppose you kick off with €10. Your next bets following consecutive wins would be €11, €12, €13 and so on. You regress at the same pace when you lose.

The core belief here is that you’ll have as many wins as losses over time, and by adjusting your bets accordingly, you can navigate through the game’s ups and downs. It’s a more conservative approach, reducing the risk of rapidly escalating bets.

Understanding Pattern Systems in Baccarat

At the heart of baccarat is its seeming randomness, but over time, discerning players might begin to see trends or sequences in how the cards are revealed. Some might see a string of Banker wins, while others might observe alternating patterns between Player and Banker outcomes. Some players swear by the belief that recognizing patterns can guide them to more informed bets, while others dismiss this as mere superstition.

The truth is that recognizing these patterns can indeed guide your bets and help your strategies. However, baccarat is built on chance, and past outcomes don’t necessarily dictate future ones. So it’s essential to tread cautiously when seeking to understand and, possibly, leverage baccarat patterns.

These are the three common pattern systems when playing online or live baccarat:

Follow the ShoeThe Zigzag ZoneStreaks
This approach advises players to bet on the last winning outcome, believing that wins can come in streaks. If the Player wins, bet on the Player again; if the Banker wins, shift your bet there. The simplicity of this approach is its charm. Here, players anticipate a change in outcomes. If the Banker wins, they might bet on the Player next, and vice versa. It’s a tactic that seeks to capitalise on the alternating nature of outcomes. Some players believe in the power of streaks and will bet in the hope of capitalising on a series of outcomes, be it all Player wins or all Banker wins. It’s a high-risk, high-reward approach, banking heavily on the continuation of a trend. 

Applying Bankroll Management in Baccarat

Many of the betting strategies mentioned above require a sense of bankroll management. What should be your starting bet amount? Should you use a flat system or a percentage rate to determine the amount to bet per round? These are questions a bankroll management plan will provide answers to.

It’s game over when your bankroll runs out. But as long as you still have funds to bet with, there’s always hope for a lucky win. That’s why bankroll management is so important. It might not be the flashiest of strategies, but it’s foundational to ensuring a sustainable and enjoyable baccarat experience. It helps you stay in the game for as long as possible in order to maximise your bets and increase your chances of winning.

Here are six simple steps to building your bankroll management plan:

  1. Determine Your Bankroll Size – Decide on an amount dedicated exclusively to gaming. This should be money you’re comfortable losing, free from the constraints of bills, savings, or other financial commitments.
  2. Set a Session Limit – Establish a cap for each playing session. For example, if your total bankroll is €1000, you might decide only to use €100 for a particular session.
  3. Establish Bet Sizes – Your bet size should align with your bankroll. A common guideline is to never wager more than 5% of your session limit on a single bet. So, if your session cap is €100, your maximum bet would be €5. Some other schools of thought suggest using a flat rate, e.g. €1 per bet.
  4. Have a Win/Loss Limit – Decide on a maximum win or loss threshold for each session. If you hit that limit, it’s time to step away, regroup, and possibly play another day. This helps prevent the “chasing losses” syndrome, where players try to recover losses with bigger, riskier bets. It also prevents you from losing all you’ve won due to one extra unsuccessful bet.
  5. Book Your Wins – If you’re having a good run and your session bankroll has increased significantly, consider setting aside a portion of your winnings. This ensures you leave the table with something extra, even if the tides turn later.
  6. Stay Disciplined – In reality, this is a not-so-simple step. Sticking to the rules you’ve set for yourself is the most challenging part of bankroll management. Many players often fall into the temptation of thinking the next hand will be the lucky win or believing their lucky streak will continue for one more bet. No matter the temptation, discipline is the key to ensuring that your bankroll serves you over the long run. So stick to your predetermined bets, and if you’ve hit your win or loss limits, walk away.

Practical Tips for Playing Baccarat

Bankroll management is the unsung hero of successful gaming. In our opinion, it’s the most important tip for playing casino table games like baccarat. However, there are several other practical tips to elevate your gameplay:

Bank on the Banker

This is the beginner tip you hear most often. Statistically, the Banker bet has the highest chance of winning in baccarat. It’s a good bet to rely on, especially if you’re just starting out or looking for a safer wager. Unless you use a strategy that allows for Player bets, you can ride on the Banker.

Avoid All-in Bets

It’s tempting to go big in the heat of the moment, especially when you’re feeling lucky. However, putting all your chips into a single bet can be a recipe for a swift exit from the game. Bankroll management suggests using no more than 5% of your bankroll at a time.

Hone Your Strategy through Practice

Before placing substantial bets, try different strategies in low-stakes games or free online baccarat versions. Experiment, learn, and choose the best strategy for your playing style.

Avoid Tie Bets

While they come with significantly higher payouts than Player or Banker bets, Tie bets have a much larger house edge. It’s generally advisable to steer clear of them if you’re looking to play the odds.

Choose Your Baccarat Variant Wisely

Baccarat comes in different flavours, from Punto Banco to Chemin de Fer. Each version has its own set of rules, strategies, and limitations. Familiarise yourself with the nuances of each type and choose the one that resonates most with your preferences and skill set.

Overlook the Tie Bets

It’s best to ignore Tie results when assessing patterns or trying to predict game outcomes. They are infrequent and can be anomalies in otherwise discernible patterns. By not factoring them into your strategy, you can often make clearer, more informed decisions.

Conclusion – Reap the Benefits of Strategy, Even in a Game of Chance

Anyone can play this casino table game without a strategy, and as mentioned earlier, strategies do not guarantee wins. Nevertheless, baccarat is best enjoyed when you apply relevant tips and strategies. It’s a deceptively simple game that’s almost entirely based on chance but still finds use for popular betting techniques.

Remember, each of these strategies brings its own flavour to the baccarat table. Some players might resonate more with the mathematical precision of the Fibonacci, while others may lean into the steadiness offered by a Flat betting system. Each betting system also has its limitations. As always, it’s essential to practise and determine which system meshes best with your playing style and risk tolerance. The aim is not to add undue stress to the gaming experience but to enhance enjoyment and potentially improve outcomes.

Baccarat Strategy FAQ

Which baccarat betting system is suitable for beginners?

Martingale is the easiest betting strategy for beginners. It mitigates losses by requiring you to double after any losing bet and go back to your original bet when you win.

Can I play baccarat without a strategy?

Technically, you can play baccarat with only basic gameplay knowledge. However, you stand a better chance of profiting from your gameplay when you implement tips and strategies.

Can I use more than one baccarat betting strategy?

Generally, you have to use one baccarat betting system at a time. However, you can combine the one-sided method with Martingale or Paroli systems. Bankroll management also applies to any betting system you use.