Only deposited funds may be used to play with a Live Dealer. As such, any play at a Live Dealer table will not count towards the rollover requirement of an active bonus, nor will it earn you points in Bovada Rewards.

Live Dealer Baccarat

Game Description

Baccarat Live

Enhance your online baccarat experience with a live dealer. You get the same standard betting options that have long been used in this classic card game plus the ability to chat with the person dealing the cards as well as other players through a messenger service. In addition to the Banker, Player and Tie betting options, you can throw a chip on a side bet called the Dragon Bonus for a chance to win up to 30X your wager. This bet pays when you land a Natural or win by 4 or more points.


How to Play Live Baccarat

Baccarat requires very little decision-making, as the action is dictated by a chart of rules. Your most important decision will come at the start of each round, when you choose to bet on the Player, the Banker or a Tie between them. Knowing the payouts and odds associated with each side will help you make an informed decision.

Once everyone’s bets are on the table, the croupier will get started with the eight-deck shoe, dealing two cards to the Player and two cards to the Banker. Both hands will be placed face up on the board for all to see. According to a set of rules, the croupier may deal a third card to each hand – first to the Player, then to the Banker. If your bet ends up with the higher score, you win a payout. If there’s a tie between them and you didn’t bet the Tie, you lose. The highest score possible is a 9.


Live Baccarat Rules

If either the Banker or Player get a score of 8 or 9 right off the bat, they automatically win. This hand is called a Natural. If neither side gets a Natural, the following rules apply to their actions.


Rules for the Player

The Player acts first. If his hand has a total score of 6 or higher, he stands. If his score is under 6, he draws a third card. In baccarat, the most cards possible in a single hand is three.

Rules for the Banker

The Banker’s rules are more complicated than the Player’s. The Banker acts second and bases his actions on the Player’s hand. For instance, if the Player doesn’t draw a third card, the Banker’s actions mirror the Player’s: he stands on a 6 or more and draws on a 5 or less. However, if the Player does draw a third card, the Banker’s actions depend on a combination of his total score and the Player’s draw card. See the chart below for details on when the Banker draws and doesn’t draw.


Banker's Total Player's Third Card Banker Action
2 or less - Draw
3 Anything But 8 Draw
8 No Draw
4 2, 3, 4, 5, 6, 7 Draw
0, 1, 8, or 9 No Draw
5 4, 5, 6, 7 Draw
0, 1, 2, 3, 8, 9 No Draw
6 6, 7 Draw
0, 1, 2, 3, 4, 5, 8, 9 No Draw
7 - Stands


Baccarat Payouts:

Banker: Successful Banker bets are paid even-money (1:1) minus a 5% commission, which equals 19 to 20.

Player: Successful Player bets are paid even-money (1:1). No commission is deducted.

Tie: Tie bets are paid 8:1.

There are also payouts specific to the Dragon Bonus side bet. See below for details.


Baccarat Side Bet: The Dragon Bet

Only the live version of baccarat comes with the Dragon Bonus side bet. This bet pays when the hand you wagered on wins by a Natural (a score of 8 or 9 on the initial two-card hand) or wins by at least 4 points. Winning off a Natural pays 1:1, whereas winning by 4 or more points has a pay range that starts at 1:1. The more points the hand wins by, the bigger the payout – all the way up to 30:1 for a 9-point win margin. Details on the Dragon Bonus pay range can be found in the Dragon Bonus tab to the right of the screen.


To bet on the Dragon Bonus, place a chip on the area labeled “Player Dragon” if you’re betting the Player will win, “Banker Dragon” if you’re betting the Banker will win, or both.


Card Values

When playing baccarat online, the score is automatically tallied for you, but it still helps to know how it works. The suit of the card has no bearing on the card value. Face cards and Tens also have no value, meaning a King and Queen, for example, contribute zero points to the total score. You get points from all other cards. Aces are worth 1 point, and cards 2-9 having face value (ex. Six is worth 6 points).


If the tallied score exceeds 9 points, you remove the first digit of the score. For example, if the total score is 13, you remove the ‘1’ (the first digit), and the score becomes 3 points. This rule prevents the score from ever exceeding 9 points.

Baccarat Odds

The Banker enjoys a small edge over the Player in baccarat, which is why a 5% commission is deducted from Banker wins. The probability of a Banker win in any given hand is 45.85%. It’s only marginally better than the Player’s win probability (44.62%), but there’s enough impact that casinos need to even out the playing field by deducting a small commission. The probability of the Tie winning is 9.51%.


Baccarat is a great way to get into table games. The simplicity of it makes it ideal for beginners, or people who find table games intimidating. There’s no pressure to make snap decisions, other than picking which side to bet on at the start of the round; the dealer does all the work for you. All you have to do is put your chips on a side, sit back, and see how your luck pans out.