Baccarat is one of the most popular casino games. The origins of the card game go back to Italy and France, where it was invented in the 15th century. While the earlier variations of baccarat are completely different from what we have now, some rules are still used nowadays.

For a long time, people have been looking for baccarat betting systems in an attempt to maximize potential winnings as much as possible. These betting systems are complex and require a thorough understanding of strategy and rules. 

If you want to increase your potential winnings, always choose a strategy that you will use for a long time. In our ultimate review, we will review the most popular strategies and important tips. 

Main Baccarat Variations

Baccarat Betting Rules and Variations

Baccarat is an easy game with straightforward rules. The objective is to bet on which of two hands – the Player or the Banker – will achieve a point total closest to 9. These are the two most popular bets. Cards two through nine retain their face value, aces count as one, and tens and face cards count as zero. 

Throughout its existence, different variants of baccarat have appeared:

More or less all variants follow the same rules. However, there are slight differences in terms of adopting a baccarat betting system and strategy for each variant. 

Explore Effective Baccarat Betting Strategies

As we have already mentioned above, an effective baccarat betting system is a must when you play the game. It will eventually help you follow the course of the game more carefully. Below, we have listed the most useful strategies to help you in the long term. 

Betting SystemTypeDescription
MartingaleNegative ProgressionAfter a loss, double the bet size. Continue doubling until you win, which will recover all losses plus profit equal to the original bet. Reset to original bet after a win.
LabouchèreNegative ProgressionStart with a sequence of numbers, e.g., 1-2-3. Bet the sum of the first and last numbers (1+3=4). Cross out numbers if you win, add the bet to the end if you lose. Continue until all numbers are crossed out.
FibonacciNegative ProgressionBet amounts follow the Fibonacci sequence (1, 1, 2, 3, 5, 8, 13, …). Move one step forward in the sequence when you lose and two steps back when you win.
D’AlembertNegative ProgressionIncrease your bet by one unit after a loss, and decrease it by one unit after a win. Aimed at arriving at a balance of wins and losses where total wins equal total bets.
ParoliPositive ProgressionDouble your bet after a win, aiming for three consecutive wins, then return to the original bet size. Promotes conservative bet increases within a winning streak.
1-3-2-4Positive ProgressionSequence-based betting where the bet sizes are 1, 3, 2, and 4 units respectively. Resets to 1 after a loss or successfully completing the cycle. Focuses on maximizing winning streaks while minimizing losses.
Flat BettingNo ProgressionBet the same amount regardless of previous outcomes. Offers a low-risk method that allows for consistent betting without significant financial risk.

The Martingale System

The Martingale system originates in 18th-century France and is a simple strategy that a lot of casino players use. The essence of the Martingale is to double the bet after every loss. Basically, you assume that the first win will recover all previous losses plus provide a profit. 

This system is often applied to bets on the Player or Banker in baccarat. However, before you start using Martingale, it is necessary to have a bankroll on your balance. Sometimes, a losing streak can last for a long time. Always make sure you assess the risks and never chase your losses exponentially. 

The Paroli System

The Paroli System is somewhat the opposite of the Martingale system. When you adopt it, you build your gameplay on winning streaks. The logic is that wins and losses come in streaks. In baccarat, where there is a 50/50 outcome on Player or Banker bets, Paroli is a good choice.

When using this strategy, you double the bet after each win. The objective is to collect gains during a streak while minimizing the risk since only the initial stake is in jeopardy. 

The Fibonacci System

This system is named after the Italian mathematician Leonardo Fibonacci and you’ve probably heard of it in your math lessons. It is a betting strategy that uses a pattern of numbers. Each number in the sequence is the sum of the two preceding ones, starting with 0 and 1 (e.g., 0, 1, 1, 2, 3, 5, 8, …). 

In baccarat, the Fibonacci System is applied by moving up one step in the sequence after a loss and moving back two steps after a win. With this method, you recover losses gradually rather than all at once. The system’s essence lies in the ability to reduce short-term losses. However, like any baccarat betting system, it requires careful bankroll management.

The Labouchere System

Unlike systems that focus on betting the same amount or doubling bets, Labouchere is completely different. It is necessary to write down numbers. For example, it could be numbers such as 1, 2, or 3, which represent the betting units. 

To determine the bet amount, you add the first and last numbers of your sequence (in this case, 1 + 3 = 4 units). If the bet is successful, the numbers are crossed out, and the next bet uses the new first and last numbers. If the bet loses, you add the amount lost to the end of the sequence, for example, adding 4 to the end if you lost 4 units, after which the process repeats. The goal of the Labouchere System in Baccarat is to eliminate all the numbers in the sequence by winning bets.

The D’Alembert System

This baccarat betting strategy requires a more careful approach. It is ideal for players who want to have a balance between risk and potential reward. It is named after the 18th-century French mathematician Jean le Rond d’Alembert. If you are knowledgeable in maths, this system works on the principle of equilibrium.

In baccarat, the D’Alembert increases the bet by one unit after a loss and decreases it by one unit after a win. The idea is to slowly recoup losses through a series of smaller, wins. To put it simply, you don’t risk all the money to get back everything at once.

The 1-3-2-6 System

The 1-3-2-6 baccarat betting strategy focuses on a winning streak. The sequence of numbers in its name stands for the betting units a player should wager over a cycle of four bets.

Here is how it works in baccarat: You start with a single unit bet. Following a win, you increase to three units. If victorious again, reduce the next bet to two units and increase the wager to six units after a third consecutive win. The objective is to complete the sequence and secure a profit of 12 units. The 1-3-2-6 System is a popular baccarat betting strategy. 

The 1-3-2-4 System

Another popular baccarat betting strategy is the 1-3-2-4 System, a variation of the 1-3-2-6 system. This strategy limits risk while still taking advantage of winning streaks. The numbers represent the units a player wagers over four consecutive wins. 

This system aims to secure small, consistent wins while not chasing losses. Reducing the final bet (from six units in the 1-3-2-6 system to four units) aims to increase wins by decreasing the potential risk on the fourth bet. 

Basic Baccarat Winning Strategies

Choose Your Baccarat Winning Strategy

It is necessary to point out that there is no 100% winning baccarat system. While baccarat has a higher house edge, you should be aware that strategies could fail. Therefore, you need to take into account risk tolerance, the size of your bankroll and personal taste.

Players who are not taking risks might go for systems like the D’Alembert or the 1-3-2-4. These strategies are perfect for those who prefer a steady and conservative approach.

Players with a higher risk appetite might explore the Martingale or Fibonacci Systems. Both of them can potentially offer hefty rewards but require a larger bankroll and resilience against possible losses. Such strategies follow the theory that a win will eventually occur to recover losses.

Ultimately, the choice of a specific baccarat betting system should be on par with your financial capabilities and personal choice. Think wisely before you decide to go for a particular strategy. 

Baccarat Game Management

Additional Baccarat Betting Tips

Like any form of online gambling, playing baccarat requires knowing the game. Here are some tips that could benefit every player: 

Mastering baccarat begins with learning its rules. Understanding the rules, the value of the cards, and how wins are determined is necessary before choosing any strategy. Moreover, it is useful to establish a budget in advance. 

Observing a few rounds of baccarat before placing bets can be useful. This way, you will learn a pattern and not risk your bankroll. This approach is designed to help you make informed decisions. 

A rule of thumb in gambling, particularly in a fast-paced game such as baccarat, is to resist the urge to chase losses. The attempt to recoup lost funds through larger bets can lead to further losses. Eventually, you might find yourself in huge trouble.

Lastly, knowing when to step away is key. If you’re in plus, consider it a victory and quit while you’re in a favourable position. The discipline to walk away with winnings is a trait a lot of players lack. 

Baccarat Betting Odds and Payouts

Baccarat betting odds refer to the probability of the outcomes in a game. This is the player win, banker win, or a tie. Understanding these odds is pivotal for calculating potential payouts. 

Typically, the banker’s hand has a slightly higher chance of winning, with odds of just over 45%. The player’s hand has a slightly lower chance. The tie bet, although offering higher payouts, has significantly lower odds of occurring.

Consider the odds and house commission on banker bets to calculate your baccarat payout. Here are some examples:

Baccarat Psychological Tips

Mastering Your Money at Baccarat

You should never forget that safeguarding your money is key. The process begins with bankroll protection. Establish clear win and loss limits to guarantee that a bad day doesn’t result in losing your funds. 

When determining a budget for baccarat, it’s important to determine an amount you’re comfortable with. Always remember that it should not affect your financial responsibilities at any time. 

The game tends to favour banker bets slightly due to their lower house edge. Players usually choose this option in the hopes of winning. However, remember that a 5% commission on banker wins is typical.

Smart betting in baccarat also means avoiding the temptation to risk everything. Such moves can lead to losses. Instead, consider smaller, consistent bets that extend your playing time.

Finally, it is essential to adopt a safe online betting strategy that matches your style. Choosing a strategy that you’re comfortable with is a great option.


Understanding a baccarat system is more than just choosing a strategy. Ultimately, you should have sufficient knowledge of the rules to avoid any uncertainties and to be in control. The systems, from the conservative D’Alembert to the bold Martingale, are preferable as they are the most popular among users. However, it’s important to remember that the best baccarat system does not exist. 

Effectively managing your baccarat gameplay depends on careful bankroll management. You have to understand the betting odds and stick to your chosen strategy. Enjoy the thrill of the game, and know when it’s time to step away from the table. Understand these principles, and you’ll find baccarat way easier and more rewarding.