Top 3 Low Stakes Baccarat Games in 2024 [to Play Today]

low stakes baccarat

With a long-standing reputation of being the number one game for high rollers, online casinos in the UK have been less generous when giving space to baccarat games. So, unlike roulette and blackjack, baccarat is not commonly featured on game developers’ portfolios.

Thus, we’ve gotten used to a limited number of fairly standard variants under the names of baccarat and Punto Banco. But while Punto Banco is strictly a game of chance, skill plays a part when it comes to baccarat and the demand for the game never drops.

Now, baccarat is finally available to us in much more affordable terms, courtesy of online baccarat casinos and software developers who have recognized the need for low-stakes baccarat too.

So who are these software developers and where can you find their creations?

We’ve got all that you need to know:

3 Best Online Low Stakes Baccarat Games

#1. Low Stakes Baccarat from NetEnt

Low Stakes Baccarat from NetEnt - low stakes baccarat

NetEnt offers Professional Low-Limit Baccarat as well as Punto Banco Pro Low Limit. Standard rules apply to these games—they use eight 52-card decks and no side bets are available.

Both of these games feature the same minimum and maximum bets (in between £0.10 and £10) and their Return To Player (RTP) rates are quite similar (98.96% for Baccarat and 98.92% for Punto Banco).

Professional Low-Limit Baccarat and Punto Banco Pro Low Limit are available at Leo Vegas, SpinIt Casino, Casino Cruise, Spin Station, Miami Dice, and Videoslots.

#2. Low Stakes Baccarat from Microgaming

Low Stakes Baccarat from Microgaming - low stakes baccarat

Unlike NetEnt, Microgaming offers Baccarat games that target high rollers primarily.

If you are keen on playing one of their games and want to stay on the low-stakes end of things, your best option is to visit Betway Casino and open High Limit Baccarat. It is played with 8 decks and allows a minimum bet of £1.

This game pays even money for Player and Banker bets, the latter decreased by 5% commission. The house edge on Banker bets is 1.06% and on Player bets 1.24%.

#3. Low Stakes Baccarat from Playtech

Low Stakes Baccarat from Playtech - low stakes baccarat

Playtech Baccarat offers a bet range of £0.10 to £100, along with several additional bets:

  • Banker Pair and Player Pair, as well as Either Pair – Bet, wins if the first 2 cards are dealt with the respective hand from any pair;
  • Perfect Pair – Bet wins if the cards form a pair of the same suit;
  • Big and Small – The big bet wins if the total number of cards dealt between Player and Banker is 5 or 6, and the Small bet wins if the total is 4.

The minimum bet of £0.1 applies to Player and Banker bets, as well as Big and Small side bets. If you want to bet on a Tie or place money on any of the Pair bets, you’ll have to put at least £1 on the table.

The game’s RTP depends on your bet and varies between 82.93% on Perfect Pair and 98.94% on Banker bets.

If you would like to play this game, visit William Hill Casino.

Best Casinos to Play Low Stakes Baccarat





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How to Play Mini Baccarat

Mini Baccarat is a game that involves 8 decks of cards and a maximum of 7 players. The goal is to reach the number 9 (or get as close to it as possible).

When it comes to the cards, ace counts as one, deuce counts as two, and so on. The face cards, tens, and any combination that equals ten are all equivalent to zero.

Now let’s consider the actual gameplay:

  1. The dealer shuffles the cards and places them in a box also known as the shoe.
  2. The dealer takes the cards outside of the shoe and deals two to the player (player’s hand) and two to the banker (banker’s hand).
  3. The dealer states the point totals.
  4. If either the player’s or the banker’s hand totals up to 8 or 9 points (referred to as the natural), no additional cards need to be drawn.
  5. If neither of the two hands is natural, then both the player and the banker get a face-up card based on the hit/stand rules.
  6. Whichever hand gets a total of nine points (or is closest to it) wins.
  7. If both hands total up to the same number, then there is a tie.

When it comes to the bets, there are three options:

  • Betting on the player’s hand – The bet wins if the player’s hand totals up to a higher number than the banker’s hand.
  • Betting on the banker’s hand – The bet wins if the banker’s hand totals up to a higher number than the player’s hand.
  • Betting on the tie – The bet wins if both hands total up to the same number.


5 Reasons to Play Low Stakes Baccarat Online

While it’s exciting to play low-stakes baccarat physically in a casino, below we are listing five reasons that prove why playing this game online is just as enjoyable.

#1. Low Stakes

If high rolling isn’t your cup of tea, then low-stakes baccarat is a great option for you.

With low-stakes baccarat you can enjoy all the features of the standard baccarat game while betting as little as £0.10.

#2. Convenience

Since low-stakes baccarat is available online you don’t have to worry about prepping and driving to your local casino. You have the opportunity to enjoy the game from the comfort of your own home.

#3. Large Bonuses

You can expect a lot of bonuses when it comes to playing low-stakes baccarat online, with deposit bonuses being among the most common. Depending on your deposit amount, you are offered a percentage to match your deposit.

#4. It’s Free

If you would like to test the water before you dive in, you can put off betting with money and just play the game for free. Most of the online casinos offer free games upon registration, also called the no-deposit bonuses.

#5. No Etiquette to Follow

If you are not an experienced player, then you may not be aware of the etiquette rules that are essential to playing baccarat in a casino. For instance, you should not touch the cards or be overly enthusiastic during the game. These unspoken rules, however, do not apply if you are playing low-stakes baccarat online.

3 Other Low Stakes Games to Enjoy

  • Low Stakes SlotsIf you want to switch it up, take a break from the low-stakes card games and go for the low-stakes slots instead. This way, you can spin a couple of reels while betting as little as possible.
  • Low Stakes Blackjack – If you are a fan of card games and are searching for something other than baccarat, then you have to give blackjack a chance. NetEnt, Playtech, and others offer you the option to bet with as little as £0.10 on blackjack and not worry about the duration of the game.
  • Low Stakes Poker – If you are keen on online poker, but you don’t want to play with a significant amount of money, your best shot is to play low-stakes poker. This way you can enjoy playing poker without having to worry about the money.

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Joseph Kerney

COO & Baccarat Expert

Joseph Kerney is our COO and baccarat expert. Joseph has worked in the online gambling industry for over a decade as an affiliate before joining our team.

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