In New Zealand, the allure of baccarat continues to captivate the hearts of many casino players. While online pokies and roulette are more popular games at online casinos, baccarat stands out for its blend of simplicity, elegance, and the thrill of chance.

While the online casino industry is constantly changing, it can be hard to find a reputable, safe and fair casino to play baccarat online. I have played baccarat at online casinos for more than 8 years, and in this article I will showcase the best sites where you can win real money playing baccarat with no download required.

I focus on various aspects of the casinos, such as the variety of baccarat games, live dealer games, fairness, user experience, security and bonuses, to find the best options in New Zealand. See the list below to find the best baccarat casinos in 2024 and play with peace of mind, as all the sites in this article are licensed and safe to use.

Best Online Baccarat Casinos in NZ: Updated 2024

Bonuses: $7,500

Wagering requirements: 50x

Minimum deposit: $20

Payment methods: Visa, Mastercard, PayID, Maestro, Neosurf, Neteller, Skrill, ecoPayz, Paysafecard, Bitcoin

Bonuses: $5,000

Wagering requirements: 50x

Minimum deposit: $20

Payment methods: Visa, Maestro, Mastercard, Neosurf, Neteller, Skrill, ecoPayz, Paysafecard, Bitcoin

Bonuses: $3,000

Wagering requirements: 40x

Minimum deposit: $30

Payment methods: Visa, MasterCard, Skrill, Paysafecard, MiFinity, Rapid-transfer, EcoPayz, Neosurf, Cryptocurrency

Bonuses: $1,000

Wagering requirements: 35x

Minimum deposit: $10

Payment methods: Visa, Mastercard, Paysafecard, iDebit, Trustly, Skrill, Neteller

Bonuses: $300

Wagering requirements: 35x

Minimum deposit: $10

Payment methods: Visa, Mastercard, MiFinity, Neteller, Skrill, Payz, Paysafecard

Bonuses: $1,200

Wagering requirements: 30x

Minimum deposit: $10

Payment methods: Visa, MasterCard, Paysafecard, Skrill, Apple Pay, EcoPayz

Bonuses: $1,600

Wagering requirements: 35x

Minimum deposit: $5

Payment methods: Visa, Mastercard, Neosurf, Neteller, Skrill, ecoPayz, MuchBetter, Paysafecard

Bonuses: $200

Wagering requirements: 35x

Minimum deposit: $10

Payment methods: Direct bank transfer, Visa, Mastercard, MuchBetter, Skrill, Neteller, Payz, Paysafecard

Bonuses: $1,000

Wagering requirements: 35x

Minimum deposit: $5

Payment methods: Visa, Mastercard, Apple Pay, Neosurf, Neteller, Skrill, MuchBetter, Paysafecard

Bonuses: $750

Wagering requirements: 35x

Minimum deposit: $5

Payment methods: Visa, Mastercard, Paysafecard, MuchBetter, Skrill, Neteller, Skrill 1-Tap, Flexepin, Neosurf

Criteria for Selecting the Top Online Baccarat Casinos in New Zealand

To compile my list of the best online baccarat casinos in New Zealand, I dedicated several weeks to testing dozens of sites, and rated each one based on some important key factors, which I explain below. If you are conducting your own research on baccarat casinos, you may also want to use the following criteria to decide whether a casino is a good choice for you.

Variety of Baccarat Games

If a casino offers baccarat, that's all that matters right? This is a common misconception among newbie online baccarat players. While you can still have fun playing a single type of baccarat, a casino that offers a range of options is a better choice. You may want some variety in your games, or you may prefer a style of baccarat that is only available at certain casinos.

Before signing up to a baccarat casino, browse through the game options to see if you find what you like. Some players prefer lightning baccarat so they can get through more hands in a short span of time. Others prefer baccarat squeeze where you have the thrill of peeling the cards yourself. Hardcore baccarat players will only play baccarat with a live dealer, as they prefer seeing the physical cards being placed on the table, to ensure that the games are completely random and fair.

User Experience

The next factor I consider when reviewing baccarat casinos is the user experience. How easy is it to use the site? Can I easily locate the baccarat games? What methods are there for depositing and withdrawing money? Do the games load quickly? Do the casino graphics look modern?

Being able to access the casino on your phone is also an important feature to have, as many online baccarat players enjoy betting while they are not at home. The best online baccarat casinos have optimised mobile websites so you can access the site from your phone browser. It ensures that the casino fits correctly to the size of your phone screen for easy viewing and accessibility.

Taking into account all of these factors help to give an overall picture of the casino. Another useful feature that the top baccarat casinos have is 24/7 live chat support and email support, so you can always gain assistance if you encounter any issues with your account.

Bonuses and Promotions

Many casino players look at the welcome bonuses and regular promotions on offer when selecting a site to play at, as it extends your play time at the casino. The #1 baccarat casino, Ricky Casino has a welcome offer of 100% bonus up to $500 on your first deposit. If you deposit $500 you will receive an extra $500 bonus to play with! This will double the time you can spend playing baccarat.

However, the thing you need to be aware of when you claim a bonus from an online casino is they come with wagering requirements, and bets placed on baccarat typically do not count towards this. This means that if you want to be able to withdraw your money you need to play on slot machines. If you only intend to play baccarat, then it may be a good idea to ask the support staff to remove any bonuses added to your account after you deposit. Make sure you do this before you place any bets. By playing without bonus, any money you win can be withdrawn at any time.

Security and Fairness

Last, but not least, before I recommend any baccarat casino, I have to ensure that it is a legitimate and fair site. I do this by checking that it holds a current license from a reputable authority such as the Malta Gaming Authority, UK Gambling Commission or Kahnawake Gaming Commission. All the baccarat casinos that I recommend in this list hold a current license at the time of writing. If you want to check for yourself, scroll down to the footer of the casino website.

Baccarat casinos that hold a valid license are fair, as they must operate with Random Number Generators, so you don't need to worry about the casino being rigged and unfairly taking your money.

Regarding safety, to ensure your private information and your money is safe, the casino must use data encryption. You can also determine whether a casino is reliable based on user reviews that you can find online. If you are interested in a professional opinion, you can read my in-depth reviews on each of the baccarat casinos listed above.

Tips for Playing Baccarat Online

Understand the rules of baccarat

Baccarat is a simple game to play, but it is a good idea to familiarise yourself with all of the rules and the odds. The basic bets are Player, Banker or Tie. While Tie pays out 8:1 and sounds tempting, it also has the worst odds, as the house edge is around 14.36%. This means that if you bet on Tie regularly, you will lose around $14.36 on average, for every $100 you bet.

Banker bet has the lowest house edge (around 1.06%), however, the payout rates for Banker are usually 0.95:1. Betting on Player has around 1.24% house edge. You will win more of the time when betting on Banker, but your payout will be slightly lower each time.

There are also Player pair and Banker pair bets. These pay 11:1 but also have a high house edge, so it is not recommended to bet on these.

Strategies for winning baccarat

Baccarat is a pure game of chance like roulette, so there is no skill involved which can help you win more money. However, similar to roulette, there are various betting strategies that players like to use which can help to manage your bet sizing and minimise the size of your losses. There are strategies like Martingale, Paroli, D'Alembert, and 1-3-2-6 systems that give you structure on how you bet. This helps you to stay disciplined with your bet sizing and not gamble larger amounts when you're emotional, which can lead to huge losses.

Martingale System

The most commonly-known strategy is the Martingale, which involves doubling your bet size each time you lose a bet. This means that when you eventually win, you will recover all your losses, and make a small profit (equal to your initial bet size). However, the problem with this is that you can lose a significant amount if a string of losses come your way. You could very quickly reach the maximum bet size, meaning you won't be able to double your most recent bet size and recover the loss.

Paroli System

The Paroli system is the opposite of the Martingale, where you double your bet size each time you win, until you reach three wins in a row. Then you return back to your original bet size. If you lose at any point before reaching three wins, you also return to your initial bet size. This is a conservative betting system that limits your losses, while giving you the chance to win a large sum. 

D'Alembert System

This is a simple betting strategy where you simply increase your bet size by 1 unit after losing and decrease by 1 unit after winning. This is a method of recovering losses quicker, however it has similar downsides to the martingale system. If you go on a losing streak, you can lose a lot of money quickly.

1-3-2-6 System

When you bet using this system, the aim is to win four bets in a row, with bet sizing of 1 unit, 3 units, 2 units and 6 units. If you win, you move onto the next number in the 1-3-2-6 sequence, but if you lose, you start at 1 unit again. If you successfully complete the 1-3-2-6 sequence, you also reset your bet size to 1 unit.

Managing your bankroll and gambling responsibly

Playing baccarat should be an enjoyable hobby, and not consume your whole life. Don't play with the intention of winning money to pay off debts or to win a large amount to change your life. If you play with the wrong mindset, you can fall into the trap of playing emotionally, chasing big losses, and eventually losing far more money than you were willing to. No matter which strategy you use to play baccarat, remember that the casino always has an edge, and the longer you play, on average the more money you will lose.

Set yourself a maximum amount that you are going to spend on baccarat for each session. This will stop you from depositing more to win back any losses. Once you begin to play emotionally, you should stop so that you don't make poor decisions and lose all your money.

Apart from having a limit for each session, it can also be beneficial to have monthly or annual limits. If you have blown through your budget for the month or year, you should take some time away from baccarat, and find another hobby. Remember to play responsibly, and if you need help with a gambling addiction, visit


While you can find baccarat at most online casinos in New Zealand, finding a secure, legit and fair site can be a harder task. I hope this article has given you some insight on how to determine the best baccarat casino for you to play at. If you are a fan of live dealer baccarat, then you may also enjoy my article on the best live dealer casinos in NZ

Frequently Asked Questions

Can you win real money playing baccarat online?

Yes, you can win real money playing baccarat online in New Zealand. To ensure you can withdraw your winnings easily, ask the casino support staff to remove any bonus before you start playing.

Is it safe to play baccarat online?

Yes, if you are using a trusted and licensed casino, then it is safe to play baccarat online. All of the baccarat sites in this article have been tested by me, and are licensed and safe to use.

What is the most successful baccarat system?

There are various baccarat betting strategies, such as the Martingale, Paroli, Fibonacci, 1-3-2-6 and Labouchere. Each has its advantages and disadvantages and none of them can guarantee winning. You need to find one that works for your risk appetite.

About the author 

Peter Clayton

Peter is one of Indivisible Gaming's developers and has been working with us since 2015. When he isn't busy working on an upcoming game, he loves writing about all the games that he has played and tested. His experience in the industry is second to none, and we are grateful to have him on our team.