Short answer: Bet banker or player, skip the tie and side bets, and any licensed app with live tables will do.
The three bets
| Bet | Pays | House edge |
|---|
| Banker | 0.95 to 1 (5% commission) | About 1.06% |
|---|
| Player | 1 to 1 | About 1.24% |
|---|
| Tie | 8 to 1 | About 14.4% |
|---|
Standard eight-deck figures. Tables that pay 9 to 1 on a tie or use no-commission rules differ; read the table rules.
How a round goes
- Bet on banker, player or tie before the timer ends.
- Two cards are dealt to each side.
- Fixed rules decide whether a third card is drawn. You make no further choice.
- The hand closest to nine wins.
Why it suits a phone
With only three main bets, the layout fits comfortably on a small screen and there is no decision under time pressure, unlike blackjack. Live baccarat streams video, so use wifi.
Live tables in our five apps
| App | Live studios reported |
|---|
| Coral | Evolution, Playtech and Pragmatic Play |
|---|
| Ladbrokes | Evolution, Playtech and Pragmatic Play; around 100 live tables reported |
|---|
| PlayOJO | Evolution, with other studios reported |
|---|
| Casumo | Evolution, Pragmatic Play and Playtech, plus Casumo-branded tables |
|---|
| 10bet | Evolution and Pragmatic Play |
|---|
Scorecards and patterns
Baccarat tables display "roads" of past results. They are a record, not a forecast: each hand is independent, and no pattern changes the odds.
Baccarat and bonuses
None of the five welcome offers is earned on baccarat. See live casino apps.
Stakes and limits
The £5 slot stake cap does not apply to baccarat. Live tables publish their own minimum and maximum bets, and software baccarat usually starts lower. Decide a session budget first and set a deposit limit in the app; a game with no decisions can be played very quickly.
Apps with live baccarat
The offers below are slot-based and will not be earned at the baccarat table. They are listed so you can see what each app gives new customers.
Ad 18+ only. We may earn commission from these links. Advertiser disclosure
Coral Casino ★ 4.3 out of 5
Bet £10 on slots, get 100 free spins
No wageringFree spins
- Wagering
- None
- Minimum
- £10
- Time limit
- 48 hours to accept, then 7 days
- Worked value
- 100 spins at £0.10 (£10 in spins)
Significant terms: 18+. New players only. Offer runs 01/10/2026 to 01/02/2027. Deposit (certain types excluded) and bet £10+ on slot games to get 100 free spins (selected games, £0.10 each, 48 hrs to accept, valid 7 days). No wagering on free spin winnings. Deposits by Neteller, PayPal, Paysafe, Skrill, prepaid cards and certain debit cards do not qualify. Restrictions and T&Cs apply. BeGambleAware.org
Ladbrokes Casino ★ 4.2 out of 5
Play £10 on slots, get up to 500 free spins
No wageringFree spins
- Wagering
- None
- Minimum
- £10
- Time limit
- Claim daily for 10 days; each batch valid 7 days
- Worked value
- Up to 500 spins at £0.10 (up to £50 in spins)
Significant terms: 18+. New customers only, from 14/11/25 until further notice. Certain deposit methods excluded. Deposit and spend £10+ on slots for 50 free spins a day during the first 10 days after first deposit and registration (max 500, £0.10 each, selected games, claim before 23:59 each day, valid 7 days). No wagering. Prepaid cards, PayPal, Paysafe, Neteller, Skrill and Moneybookers deposits do not qualify. Restrictions and T&Cs apply. BeGambleAware.org
PlayOJO ★ 4.2 out of 5
80 free spins, no wagering
No wageringFree spins
- Wagering
- None
- Minimum
- £10
- Time limit
- See offer terms
- Worked value
- 80 spins at £0.10 (£8 in spins)
Significant terms: 18+. First deposit only. Minimum deposit £10. 80 free spins on Big Bass Bonanza, £0.10 each. No wagering requirements; winnings paid in cash. Cannot be used with any other offer. Only available to players who arrive through the designated offer link. Full T&Cs apply. BeGambleAware.org
Offer terms are dated 5 October 2026; casino and app details are reported by independent reviews. Our method is on how we check and rate. 18+. Free help: National Gambling Helpline 0808 8020 133, or see safer gambling.
More guides: Free casino apps UK, New casino apps UK, Safe casino apps UK and Casino apps for beginners.
