Australia · October 2026

Online baccarat in Australia

Bet on the player, the banker or a tie, and the cards do the rest. The banker bet has one of the lowest house edges in the casino, 1.06%, even after the 5% commission.

house edge on the banker bet
1.06%
casinos with it
144
games at the biggest
33,000

Where to play baccarat

The biggest game libraries first; each casino’s game count is in the first box.

  84. 84

    GW

    7.5Licence not listed
    Stands out forTakes PayID5 cryptocurrencies
    Games
    1,500
    Payout
    2 days +
    Min. deposit
    AU$20
    Licence
    Not listed
    Visit casino GW (opens in a new tab)Read review of GW
    • Apple Pay deposits
    • 97% payout rate

    18+ · New customers only · T&Cs apply · Play responsibly

  92. 92

    7Bit

    8.8Instant payoutsCuraçao licence
    Welcome offer225% up to AU$10,000+ 200 free spins
    Games
    —
    Payout
    Instant
    Min. deposit
    AU$1
    Wagering
    —
    Visit casino 7Bit (opens in a new tab)Read review of 7Bit
    • Instant withdrawals
    • Takes PayID
    • Deposit from AU$1

    18+ · New customers only · T&Cs apply · Play responsibly

  100. 100

    Axe

    8.6Instant payoutsCuraçao licence
    Welcome offerUp to AU$5,625+ 200 free spins
    Games
    —
    Payout
    Instant
    Min. deposit
    AU$20
    Wagering
    45x
    Visit casino Axe (opens in a new tab)Read review of Axe
    • Instant withdrawals
    • Takes PayID
    • 10 cryptocurrencies

    18+ · New customers only · T&Cs apply · Play responsibly

  102. 102

    1Red

    8.5Instant payoutsCuraçao licence
    Welcome offer200% up to AU$15,450+ 100 free spins
    Games
    —
    Payout
    Instant
    Min. deposit
    AU$20
    Wagering
    40x
    Visit casino 1Red (opens in a new tab)Read review of 1Red
    • Instant withdrawals
    • iPhone and Android apps
    • 10 cryptocurrencies

    18+ · New customers only · T&Cs apply · Play responsibly

Showing 10 of 144 casinos

Try baccarat for free

Free demos with play money. Pick a game and it opens right here.

Baccarat to try for free 1

More table games 7

Our 3 picks, reviewed

Why each one made the top of the list, and what to know before you sign up.

  1. 01Best for baccarat

    WishWin

    8.1Anjouan licenceSince 2025

    WishWin has been running since 2025 under an Anjouan licence, run by Casolinia Group. It has 33,000 games from 104 studios. Withdrawals take 2 days or more.

    What we like

    • 33,000+ games
    • Takes PayID
    • 2,000+ live tables
    • Deposit from AU$10

    Worth knowing

    • Withdrawals take 2 days or more
    • Anjouan licence: weaker player protection
    • Withdrawals capped at AU$500 a day
    Stands out for33,000+ gamesTakes PayID
    Games
    33,000
    Payout
    2 days +
    Min. deposit
    AU$10
    Licence
    Anjouan
    Visit casino WishWin (opens in a new tab)Read review of WishWin

    18+ · New customers only · T&Cs apply · Play responsibly

  2. 02Fastest payouts

    Oshi

    9.2Curaçao licenceSince 2015

    Oshi has been running since 2015 under a Curaçao licence, run by Dama N.V. It has 15,000 games from 148 studios. Withdrawals are instant.

    What we like

    • Instant withdrawals
    • 15,000+ games
    • Takes PayID
    • 1,400+ live tables

    Worth knowing

    • Curaçao licence, not MGA or UKGC
    • No app: mobile site only
    Welcome offerUp to AU$5,000+ 250 free spins
    Games
    15,000
    Payout
    Instant
    Min. deposit
    AU$10
    Wagering
    40x
    Visit casino Oshi (opens in a new tab)Read review of Oshi

    18+ · New customers only · T&Cs apply · Play responsibly

  3. 03Biggest live lobby

    Winshark

    8.1Curaçao licenceSince 2024

    Winshark has been running since 2024 under a Curaçao licence, run by GBL Solutions N.V. It has 15,000 games from 172 studios. Withdrawals take 2 days or more.

    What we like

    • 15,000+ games
    • Takes PayID
    • 3,000+ live tables
    • Deposit from AU$10

    Worth knowing

    • Withdrawals take 2 days or more
    • Curaçao licence, not MGA or UKGC
    • Withdrawals capped at AU$500 a day
    Welcome offer100% up to AU$250+ 50 free spins
    Games
    15,000
    Payout
    2 days +
    Min. deposit
    AU$10
    Wagering
    45x
    Visit casino Winshark (opens in a new tab)Read review of Winshark

    18+ · New customers only · T&Cs apply · Play responsibly

Compare them side by side Compare any two in detail

CasinoScoreWelcome offerPayoutMin. depositLicenceGamesVisit
WishWin8.1None on file2 days +AU$10Anjouan33,000Visit WishWin (opens in a new tab)
Spinrise8.7111% up to AU$777+ 111 free spins2 days +AU$20Curaçao18,000Visit Spinrise (opens in a new tab)
Golisimo8.1300% up to AU$3,750+ 300 free spins2 days +AU$10Not listed18,000Visit Golisimo (opens in a new tab)
Win Rolla8.1300% up to AU$12,000+ 300 free spinsNot statedAU$20Anjouan17,500Visit Win Rolla (opens in a new tab)
FairCrown8.6120% up to AU$2,000+ 100 free spinsInstantAU$20Tobique17,000Visit FairCrown (opens in a new tab)
My Empire8.2250% up to AU$5,500+ 200 free spins2 days +AU$10Anjouan17,000Visit My Empire (opens in a new tab)
Neon548.2Up to AU$5,500+ 200 free spins2 days +AU$10Anjouan17,000Visit Neon54 (opens in a new tab)
Oshi9.2Up to AU$5,000+ 250 free spinsInstantAU$10Curaçao15,000Visit Oshi (opens in a new tab)
CrownSlots9.1400% up to AU$6,000+ 250 free spinsInstantAU$20Curaçao15,000Visit CrownSlots (opens in a new tab)
Spinline8.2None on file2 days +AU$20Curaçao15,000Visit Spinline (opens in a new tab)
Winshark8.1100% up to AU$250+ 50 free spins2 days +AU$10Curaçao15,000Visit Winshark (opens in a new tab)
Trip2VIP9.1400% up to AU$4,500+ 320 free spinsInstantAU$20Curaçao14,000Visit Trip2VIP (opens in a new tab)
Spinaconda9.0120% up to AU$3,000+ 300 free spinsInstantAU$20Tobique14,000Visit Spinaconda (opens in a new tab)
Boho8.7None on file2 days +AU$20Curaçao14,000Visit Boho (opens in a new tab)
Kingmaker8.2100% up to AU$5,000+ 50 free spins2 days +AU$10Anjouan14,000Visit Kingmaker (opens in a new tab)

Baccarat: how it works

The rules in plain words, with pictures: what the cards are worth, how a hand is dealt, and why the banker bet is the one to make.

How baccarat works

Baccarat is a guessing game with cards. Two hands are dealt, one called Player and one called Banker, and you bet on which will end up closer to 9. You don’t play either hand: the dealer deals both by fixed rules, so there is nothing to decide once your bet is down.

PLAYER7♣♣2♦♦9 BANKERK♠♠6♥♥6 AU$10PLAYERpays 1 to 1TIEpays 8 to 1BANKERpays 0.95 to 1 A natural 9 beats 6: Player wins
Two hands, three bets: Player, Banker or a Tie. Here the Player’s 7 and 2 make a natural 9, so a bet on Player wins.

What the cards are worth

A♠♠1The ace2♣♣5♦♦9♠♠2 to 9The number on the card10♥♥J♣♣Q♦♦K♠♠010, J, Q and K7♣♣8♥♥ = 155the hand’s value
Only the last digit of the total counts, so a hand is always worth 0 to 9.

Add up the cards and keep only the last digit: 7 and 8 make 15, which counts as 5. A hand of 8 or 9 from the first two cards is called a natural and wins straight away, unless the other hand has one too.

A round, step by step

  1. Place your betPut your chips on Player, Banker or Tie before the deal.
  2. Two cards eachThe dealer deals two cards to Player and two to Banker, face up.
  3. Maybe a third cardFixed rules decide whether either hand gets one more card. You don’t do anything: the dealer, or the game, applies them.
  4. Closest to 9 winsWinning bets are paid. If it is a tie, bets on Player and Banker are given back.

When a third card is dealt

You never need to remember these: the dealer follows them for you. They are here so the deal makes sense. If either hand has a natural 8 or 9, nobody draws. Otherwise the Player hand draws on 0 to 5 and stands on 6 or 7. The Banker then draws by this table:

Banker hasBanker draws when the Player’s third card is
0, 1 or 2Any card, or when the Player stood
3Anything but an 8
42 to 7
54 to 7
66 or 7
7Never: Banker stands

What each bet pays

BetPaysOn a AU$10 betHouse edge
Banker0.95 to 1You win AU$9.501.06%
Player1 to 1You win AU$101.24%
Tie8 to 1You win AU$8014.4%

Banker wins a little more often than Player, so the casino keeps 5% of Banker wins. Even so, Banker is the cheapest bet on the table. No commission tables pay Banker in full but only half when it wins with 6.

Versions and their odds

VariantWhat changesHouse edge
Punto bancoThe classic: fixed rules decide every card1.06% on banker
No commission baccaratA banker win on 6 pays halfabout 1.46% on banker
Speed baccarat (live)Faster rounds, the same rules1.06% on banker
Dragon TigerOne card each; the higher card winsabout 3.7%

Tips that make a difference

  • Bet on the banker: it wins slightly more often
  • Skip the tie bet: its house edge is over 14%
  • Ignore the scoreboards: past hands don’t predict the next one
  • Try no commission tables if you prefer round payouts

How to start playing baccarat

Four steps from our list to your first hand. The screens are a sketch: every casino looks a little different, but the steps are the same.

  1. 1Visit2Visit3Visit

    Step 1

    Pick a casino from our list

    Each row shows the payout time, the bonus terms and what the casino has for baccarat. Visit opens its site.

  2. Create your accountEmailPasswordCountryAustraliaI’m 18 or overJoin

    Step 2

    Open an account

    It takes about two minutes. Use your real name, address and date of birth: they are checked before your first withdrawal.

  3. DepositAU$10AU$20AU$50Deposit limitDeposit AU$20

    Step 3

    Set a limit, then deposit

    Set a deposit limit in your account first, then pay in with PayID, a card or an e-wallet. AU$10 to AU$20 is enough to start.

  4. SlotsRouletteBaccaratLivePBDemoPBPBPBPBPB

    Step 4

    Find the baccarat tables

    Open the baccarat tab in the lobby. A free demo shows how the deal works before you bet.

Is it legal, and is it taxed?

The Interactive Gambling Act 2001 stops operators from offering online casino games, including pokies, to people in Australia. It targets operators, not players, and the Australian Communications and Media Authority (ACMA) blocks many offshore sites. The casinos we list are licensed abroad, not in Australia, so Australian consumer protections don’t apply to them: we name the licence on every casino we list, and explain what it means on casino licences.

Winnings and tax. For recreational players, gambling winnings are generally not taxed in Australia. This is general information, not legal or tax advice.

Staying in control

138 of the 144 casinos here let you close your account for a while, and 50 let you set deposit limits. Each review lists the tools a casino has. Set them up before you need them.

  • Set a deposit limit when you open the account, if the casino has one
  • Decide how long you will play before you start
  • Never chase a loss with a bigger deposit
  • Free, confidential help: the national helpline on 1800 858 858, every day. More ways to stay in control

Questions about baccarat

What is the best bet in baccarat?

The banker bet, with a 1.06% house edge even after the 5% commission.

Why is there commission on banker bets?

Because the banker hand wins slightly more often; the 5% keeps the edge with the house.

Is the tie bet worth it?

No. It pays 8 to 1 but carries a house edge of over 14%.

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