Are you looking to play baccarat for real money in New Zealand? I got you covered – I’ll explain all about the top tier real money baccarat sites, and all about the different versions of baccarat that are on offer: live dealer baccarat, no commission baccarat and multiplier baccarat.
This beloved simple game lets you place a bet on Player, Banker or Tie, and then you watch the action unfold as the dealer draws more cards and finally declares the winner. The Banker wins more often, everyone knows that, which is why the winning bet on the Banker is taxed with 5% as you get 0.95 units back – except in case of No Commission Baccarat as you’ll see below. Play online baccarat for real money for real money, starting from here:
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50 Casinos found
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DashScore80
80DashScore details
Usability90
Deposits80
Games90
Bonuses80
Support80
Aggregated rating: 77.5
Trustpilot:3.3
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Aggregated rating: 52
Trustpilot:1.5
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We collect various statistics on casino media activity, popularity among players and show the result for the last 6 months
Aggregated rating: 81.5
Trustpilot:4.1
CasinoGuru:7.4
AskGamblers:7.4
CasinoOrg:4.8
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Licence:Gibraltar Regulatory Authority
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Licence:Gibraltar Regulatory Authority
Established:2023
Pokies games:3000
Live games:100
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We review casinos thoroughly as our reviewers actually deposit money into the casino and play the games to test them. Live baccarat is one of the games we play when we’re testing a casino for the purposes of recommending it to New Zealand players for this game specifically. We also test the bonuses, the tournaments, the payment speed, as well as the overall experience. This makes sure that when we recommend a casino for baccarat, it will fulfill the baccarat players’ needs completely, on top of being an overall quality casino.
Baccarat games
Apart from the basic automated RNG baccarat that we won’t cover in too much detail, and the baccarat that you can play at land-based casinos, there are several other versions of this traditional game that stand out and are worth explaining.
Live Dealer Baccarat
This is the best type of baccarat to play, perhaps even better than playing at a land-based casino table. You get to play with a live human dealer and real cards but remotely, with the action streamed to your desktop or mobile device in real time. Live baccarat games have really evolved significantly over the last few years and are now at the top of the pile. These games now come in all sorts of flavours, from traditional baccarat to two special cases that we’ll describe below:
No Commission Baccarat
A special version of the game pays 1:1 on Banker wins instead of the common 0.95:1, which usually represents a 5% commission, and therefore is known as a No Commission Baccarat. You get more money on winning Banker bets. However, if the Banker scores a winning totals of 6, then instead of the 1:1 payout you get half that, 1:2, which means you get half of your original bet back while you lose the other half. The chance for a Banker to have a winning 6 is 5.39% so we could say that No Commission Baccarat has almost the same commission as standard baccarat.
Multiplier Baccarat
Multiplier baccarat only exists as a live dealer game. Four versions are by Evolution and there’s one, Mega Baccarat, by Pragmatic Play Live. So, what you want to be searching for are casinos with Evolution software. These games offer increased payouts when lucky cards with multipliers are drawn, and these change in every game round. This is an increasingly popular version of baccarat that is at the cutting edge of what this game has to offer to players at this point.
Best online casinos with Baccar
Baccarat Bonuses
From time to time, you’ll stumble upon a casino that allows table games or/and live dealer games to contribute to wagering requirements. This will often be 10% or 20%, no more. To get a full contribution, you’d need a specific Live Casino Bonus, and then you can use it on baccarat. It’s difficult to find bonuses for live games, especially baccarat, since they have such a low house edge. Check all of the casinos mentioned above and you’ll probably find at least one baccarat bonus.
The Rules and Gameplay of Online Baccarat NZ
In order to win Baccarat, you need to get as close to 9 as possible using two or three cards.
The highest hand value is 9, while the lowest is 0.
If the total hand value of the players and the bankers exceeds 9, only the second digit of the value will be counted. For example, if the total hand value is 15, the actual value will be 5.
The game will be over if the banker or player is dealt a hand value of 8 or 9.
The hand value of the player will always be dealt first.
Bet type
Odds
Payout
House edge
Player
45.86%
1:1
1.36%
Banker
44.62%
1:1
1.06%
Tie
9.52%
8:1 or 9:1
14.4%
Baccarat terminology
Term
Definition
Banco
Term that stands for Bank or the House. Also refers to a wager made on the Banco hand – the hand that the dealer always bets on. This bet is slightly more likely to win than Punto, but requires a commission be paid. Even in spite of the commission, this is still the smartest bet in the game.
Bankroll
The total sum of money that a player has designated for use in gambling at any point in time. Bankroll management is one of the most important parts of a winning baccarat strategy.
Burn
Refers to discarding the first cards of a shoe – an action used to confound would-be cheats by disrupting the order of the cards. This simple measure is taken in all card games.
Callman
Term used to refer to the dealer – the casino employee that “calls” the baccarat game.
Commission
A sum of money that must be paid to the casino for the privilege of making a Banco bet. Typically worth 5% of the bet (with rounding favoring the house), but can occasionally be only 4%. Make sure that 5% of your Banco bet’s value can be paid using casino chip denominations to avoid paying more due to rounding.
Down Card
Short hand term for a card that is facing down.
Face Card
A category of cards that includes Kings, Queens, and Jacks. These cards, along with tens, are totally worthless in baccarat.
La Grande
French term for a natural hand worth nine. In English, it means “The big one,” as opposed to its smaller counterpart, which is worth eight.
La Petite
French term for a natural hand worth eight. In English, it means “The small one,” as opposed to its larger counterpart, which is worth nine.
Natural
Describes a two-card baccarat hand that is worth either eight or nine. If only one of the two hands is a dealt as a natural, then the round comes to a close and that hand is automatically the winner.
Punto
The player. This term also refers to the baccarat hand that sits opposite of the Banco hand. Betting on the Punto hand is not advised, due to its higher house edge.
Shoe
This is the box that is used to hold the decks of playing cards that are used in the baccarat game.
Standoff
This occurs when the two hands are of equal value. It can also refer to the Standoff wager, where a player may bet that the hands will tie. This wager pays either eight to one or nine to one.
Up Card
Term used to describe a card which is facing up.
Update Log
12 June 2025: Removed fluff, updated baccarat sites table.
18 Oct 2024: Minor update.
5 Sep 2024: Expanded intro and added a section about bonuses.
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With 20-plus years on the casino front line, Edward Howarth blends deep operational insight with academic rigour. After serving as VIP Manager for a multinational casino group, the University of Waikato Social Sciences alumnus turned his focus to player-behaviour research, online wagering and safer-gambling programmes. Edward also holds an ICA Anti-Money-Laundering Diploma (2021) and completed eCOGRA’s Responsible Gambling & Fair Gaming training in 2018.
Expert on: online casinosresponsible gamblinggamblingfair gaming
A former professional poker player turned data guru, Mark Dash has devoted the past 16 years to decoding the numbers behind New Zealand’s online-casino scene. A PGDipJ graduate of Massey University, he now heads our analytics team, where he rates NZ casino sites, audits bonus conditions and models RTP performance. Mark’s expertise is reinforced by advanced training in gambling statistics and responsible-gaming practices.
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