Online Baccarat for Real Money in Kenyan Online Casinos

Online Baccarat for Real Money in Kenyan Online Casinos

Online casino baccarat is one game worth trying if you are a fan of card games. This captivating casino game originated centuries ago in French grand casinos, where it was played exclusively by aristocrats. But now, thanks to technological advancements, players worldwide can indulge in the thrill of baccarat from wherever they are. Kenyans have also embraced this game wholeheartedly, both as an entertainment option and a chance to make huge wins. This review delves into the exciting world of the best baccarat games in Kenyan online casinos, their rules, and the best strategies. This information will be helpful to both beginners and seasoned players alike. Here, you will also find top online casinos where you can play baccarat for real money. Online baccarat is one of the easiest casino games, as it has no complicated rules, and everything is intuitive.

Best Online Casinos to Play Baccarat JULY 2024

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Nonso N. Written & published: 24.05.2023 By author Nonso N.
Brad I. Reviewed & updated: 05.07.2024 By gambling expert Brad I.

Online baccarat interface

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

Online baccarat rules

The primary goal in playing baccarat is simple: bet on which hand (the players or bankers ) will have a total closest to nine points! When playing baccarat, there is also an option for players to bet on a Tie if they believe that both hands will have an identical total score. The process of playing baccarat involves several steps:


Placing bets

The first step is placing bets before any cards are dealt from the deck. Players can place their bets on the Player, Banker or Tie option. 


Dealing cards

Once all bets have been made by all involved parties (or automatically in online casinos), two cards each are then dealt face-up by either a designated dealer or system software operated for online versions of the baccarat game.


Card evaluation

After these initial two cards’ distribution, points add up, forming each side’s score values. If any side reaches eight or nine points naturally without drawing more cards, then it would be called ‘natural.’ 


Drawing the third card

When no natural can be achieved at this stage because neither side scores 8 or more, the game may continue, with a possible exception to draw a third card for the Player if its hand has a total of 5 or less. In order to decide whether or not to draw a third card for the Player, specific rules are put into place. 


Banker’s turn

Moving on from this step to evaluate the Banker’s hand results in more complex regulations that consider various factors, such as their total score and any possible third cards drawn to the Player hand. 


Comparison and payout

After all cards have been dealt and any potential additional draws have taken place, it is time for the comparison phase, where each side’s score is matched against one another, with whoever achieving the nearest score to 9 declared victorious. Should your bet align with whichever side emerges triumphant, then you will receive payouts accordingly depending upon if it was placed on either banker or player and at what odds.


Additional rounds

Finally, you can choose how many games you wish to play by simply placing new bets each time around—so enjoy! Playing online baccarat boils down to following a sequence of procedures: dealing cards, drawing a third card (when necessary), comparing hands, and distributing payouts based on which side wins. 

Online Baccarat Odds and Payouts

To maximise your gains when betting in online baccarat games, you need to know the odds and payouts associated with different bets. Specifically concerning main bets, here are their odds and payouts:

  • Player Bet

    This type of bet is rather straightforward; it involves wagering on whether or not the Player hand will win. Typically there’s about a 44.62% chance of winning this particular bet with an even-money payout. 

  • Banker Bet

    The Banker Bet stands out as a favourable option for betting enthusiasts aiming to maximise their profits. To play this bet means putting money down on whether the banker will have the stronger hand. The Banker bet boasts odds of approximately 45.86%, which is only slightly better than the Player bet’s odds. However, winning a Banker bet incurs a commission fee that’s 5%. 

  • Tie Bet

    Tie bets offer much higher payouts (up to eight or nine times the original wager) but carry significantly lower odds at approximately just under ten per cent. 

Online baccarat side bets

Many casinos have implemented exciting side-betting features for those seeking further thrills from online baccarat games. Looking for ways to increase your chances of winning big while playing baccarat online? Side bets offer players an additional opportunity to enhance their overall gaming experience. These optional wagers allow you to place them alongside your main bet while playing traditional Player, Banker, and Tie options. 

Side bets offer a twist by providing a chance for larger payouts by predicting specific outcomes or card combinations. Online baccarat presents an array of popular side bets that add excitement as you chase attractive payouts through varied predictions. 

  • Pair bet

    One such popular option is called Pair Bet. It allows you to predict whether the initial two cards dealt with either player or banker will form identical numbers/face value (pair). If your prediction is spot on, you have won. Payouts vary but can increase if both cards belong to the same suit, such as two diamonds or two hearts. 

  • Dragon Bonus

    To keep things interesting in baccarat, numerous side bets have come into existence over time. The Dragon Bonus is one such addition that spices up gameplay. This type of bet centres around victory margins between player and banker—specifically whether the winning hand will be natural (eight or nine points). Players can choose how much to wager, with larger win margins carrying higher payout amounts. 

  • Big and Small

    Big and Small is another intriguing side bet where players put money down based on point totals within each round. In this case, they predict if these totals are above or below specific thresholds stipulated beforehand leading up to gameplay. 

  • Perfect Pair

    Perfect Pair is an advanced variation of standard pair betting rules wherein players try predicting if either side (Player or Banker) receives identical card values. For those who love high-risk opportunities that result in big payouts when playing baccarat online, they should give Perfect Pair betting a shot. 

  • Either Pair

    However, if you want to make things easier and avoid too much risk-taking, then there’s also another option called Either Pair betting that might appeal more to you. This type of wager allows players to predict whether the Banker or Player hand will receive pairs from their initial two cards without requiring them to have matching suits as with Perfect Pair bets—which means more possible wins. Although not quite as lucrative as perfect pairs bets due to lower payouts, Either Pair still gives you additional chances to come out on top. 

  • Natural Win side bet

    This side bet centres around predicting what happens next following an initial two-card hand that totals 8 or 9 points. There are different variations of natural win side bets, such as wagering on the specific combination of cards that will make up the winning hand or predicting whether the player or the banker will have a natural win. These bets provide an additional layer of anticipation and offer higher payouts for correctly predicting rare outcomes. 

Player’s third-card rule in online baccarat

As one of the most popular casino games based purely on chance, baccarat offers excellent opportunities for payouts with excitement levels kept high by introducing specific rules like “the third-card rule”. This fundamental aspect applies across various variants, including online baccarat, where certain conditions activate this stipulation which affects gameplay results. 

Usually, experienced players would know that if either participant accumulates 8 or 9 points, referred to as having “natural hands”, drawing further cards becomes unnecessary, ending that particular round. In the online baccarat game, specific rules dictate when a player or banker can draw a third card. 

If the Player’s hand value is between 0 and 5, the Player is dealt a third card. However, if it stands (meaning it does not draw a third card), then the banker must follow certain rules based on the value of its hand. 

Baccarat Bet Types and RTP

Bet Type RTP Percentage
Banker 98.94%
Player 98.76%
Tie 85.64%
Banker Pair 89.64%
Player Pair 89.64%
Perfect Pair 91.95%
Either Pair 86.29%
Big 95.65%
Small 95.65%

Banker’s third-card rule in online baccarat

To outline these rules for the banker’s third card draw in baccarat: 

  • If the banker’s hand value is 0 to 2, the banker always draws a third card.
  • If the banker’s hand value is 3, the banker draws a third card unless the player’s third card is an 8.
  • If the banker’s hand value is 4, the banker draws a third card if the player’s third card is 2 to 7.
  • If the banker’s hand value is 5, the banker draws a third card if the player’s third card is 4 to 7.
  • If the banker’s hand value is 6, the banker draws a third card if the player’s third card is 6 or 7.
  • If the banker’s hand value is 7, the banker stands and does not draw a third card.
  • If the banker’s hand value is 8 or 9 (a natural hand), no additional cards are drawn, and the round ends. 

While these guidelines may appear complicated at first glance, they guarantee players equitable opportunities while maintaining an element of unpredictability thanks to the third-card rule. 

Card values in online baccarat

To master online baccarat requires understanding how critical card values can be when determining outcomes during gameplay. The objective here is to rack up a hand value as close to 9 as possible, accomplished with eight decks of cards where each card carries its unique worth according to the following scale:

  • Cards numbered 2 through 9: These cards retain their face value, i.e. a 2 of hearts earns two points and a 5 of diamonds nets five points. 
  • 10s and face cards (i.e., Jacks, Queens, and Kings): These cards are worth 0 points. So, a 10 of spades, a King of clubs, or a Queen of hearts would all have a value of 0. 
  • Aces: Aces hold a value of 1 point. Whether you have one A or multiple A’s in your hand, the value of each ace is always 1. 

The calculation for determining your final hand value in baccarat is simple: add up each numerical point value according to its corresponding number before taking that rightmost digit solely. This means that having a combination like a 7 of clubs and 3 of diamonds ends with an overall sum equaling ten. Still, since only that rightmost digit matters according to baccarat rules, your resulting hand value becomes 0. 

However, should you play online baccarat, don’t worry about performing manual calculations regarding card values in your hands—the game software automatically does it all for you. 

Live baccarat

By bringing the thrill of casinos directly to players’ screens, live casino baccarat is an exhilarating gambling experience unlike any other. 

Evolution’s live baccarat

Thanks to Evolution Gaming’s unparalleled portfolio of high-quality live casino games, players can now enjoy this classic card game in ways they never thought possible. To accommodate different player preferences, Evolution offers various baccarat options: classic live baccarat games with traditional rules that let players interact with professional dealers and indulge in an authentic land-based casino atmosphere are some examples. There are also innovative variations like Speed Baccarat, where rounds are completed in lightning-quick time, or Baccarat Squeeze, where suspense is added as dealers slowly reveal cards. 

Other live baccarat studios

Other studios have entered this growing market, too, Playtech and Ezugi, for example, offering their unique twists on the game. Individualised betting options, side bets, and tailored gameplay variations abound for players seeking a personalised baccarat experience in live casinos. Additionally, different table limits cater to both low-stakes and high-stakes gamers alike. The benefits of playing live casino baccarat include being able to engage with real-life expert dealers and other players via chat functions while enjoying the comfort of playing at home, all while experiencing high-quality streaming that enhances realism.

Online baccarat tips and strategies 


Stick to basic baccarat variations

When it comes to online baccarat tips and strategies for beginners, sticking primarily with the fundamental variation – Punto Banco- is recommended over more complex versions like Chemin de Fer or Baccarat Banque. Building a solid foundation in baccarat involves starting with a widely accepted basic variation available across multiple online platforms before venturing into other versions. 


Avoid side bets

Avoid falling for alluring side bets in some online baccarat games promising high payouts but carrying greater risks due to their higher house edges that lower profitability over time. Sticking to more straightforward main bets such as Player or Banker will ensure consistent winning strategies compared to volatile outcomes from these additional wagers or tie betting options which carry significant risks because of their notorious high house edge.


Understand the odds

Understanding how the bet odds vary in online baccarat is crucial. Banker offers the best chance of success due to its lowest house edge, followed by Player with decent odds, while Tie remains the least favourable. Maximising your chances of success in baccarat requires considering all available information before placing any bets for an optimal outcome.


Bet on Banker

A savvy approach involves frequently choosing wagers that favour statistical probability, such as consistently betting on the Banker option instead of other possibilities, given its low house advantage, resulting in a greater likelihood of winning over time.


Avoid the Tie bet

Notably, a higher payout by the Tie bet compared to Banker and Player is less enticing considering its greater overall risk. In this sense, you should steer clear of Tie bets if they want to increase their win rate and decrease the chances of losing profits. Ultimately, focusing on wagers with better odds, like Banker or Player options, can pay dividends when playing baccarat.


Use baccarat scorecards

For those playing online baccarat taking advantage of scorecards or roadmaps that track previous hand outcomes can be incredibly beneficial. These tools can help identify patterns or trends that may inform your betting strategy for future hands. While previous results do not guarantee future outcomes analysing the data presented in these scorecards can significantly enhance your chances of winning. 

Play Baccarat for free



Online casino baccarat continues to be a popular card game due to its elegance and simplicity. Both novice and experienced players enjoy predicting whether the Player or Banker will have the higher total or if it will result in a tie. With realistic graphics and immersive sound effects that replicate land-based casinos’ atmosphere, online casino platforms offer an authentic gaming experience from anywhere at any time. The best baccarat in Kenyan online casinos offers a user-friendly interface and various betting options that allow anyone to join in on the excitement. Online baccarat often has side bets that pay out way more than the standard 1:1 (Player, Banker) or 8:1 (Tie).

Online baccarat FAQ

How to play online baccarat?

Begin by signing up and creating an account. Once logged in, head to the game section and select the baccarat option. Then place your bets on the Player, Banker, or Tie hand. The dealer will take care of dealing out the cards, and the hand closest to 9 wins.

Is online baccarat fair?

Rest assured that online casino baccarat games are indeed fair. Well-established online casinos utilise random number generators (RNGs) to ensure fair gameplay for all. These RNGs produce unpredictable outcomes that keep things honest. In addition, licensed online casinos must undergo independent third-party audits to verify their game fairness.

What is the house edge in baccarat?

Banker bets carry a lower house edge of approximately 1.06%, whilst Player bets carry slightly higher odds of around 1.24%. In contrast, opting for Tie bets may not be wise as it has an enormous house edge ranging between 10% and 14%.

Are there baccarat strategies?

While numerous strategies are out there aimed at helping one improve their chances of winning when playing Baccarat, be mindful that this is still a game of chance. Therefore no strategy can guarantee consistent wins. However, should you choose to follow tactics like the Martingale or Fibonacci system in managing your bets, you may potentially maximise your winnings.

Can I play baccarat for free?

Many online casinos offer "play for fun" or "demo" mode options to enhance familiarity with baccarat gameplay before placing real money bets. This gives players an excellent opportunity to familiarise themselves with the game and its rules before embarking on actual play.

How much can I bet in online baccarat?

Depending on where you play, minimum bets can start at just a few dollars, even lesser sometimes, while maximum wagering amounts may run into hundreds or thousands of dollars.

Can I play baccarat in a mobile casino?

Yes. Many reputable internet gambling establishments offer sleek and responsive mobile sites optimised so players can enjoy thrilling rounds of baccarat from their tablets and smartphones. You can access a mobile casino on your device's browser or download their app if it is available.