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　　Baccarat is a casino game that quite a few UK players try their luck on regularly, with 10% having spent money on it in the last 12 months, according to the UKGC. It’s a luck-based, card-comparing game involving two hands: the ‘player’ and the ‘banker’. Your aim is to guess which of these gets the closest to 9, and to help you with this, you may want to use a baccarat winning strategy. In this guide, we’ll take an in-depth look at 5 of them, suitable for beginners in 2025, so you can decide which works best for you.

　　Here are some key terms that you should know before reading up on how to play baccarat and win:

　　We’ve summarised 5 schemes for you to learn how to beat baccarat. However, none of these affects the outcomes in any way; they have more to do with adjusting your bets. Once you have mastered the basics of baccarat, give them a try.

　　There are three main bets in baccarat: the player’s hand wins, the banker’s hand wins and the tie bet. The payouts for these are as follows.

　　*Most UK online casinos take a 5% commission on banker bets because it has a high chance of winning.

　　Even though the banker bet has the lowest payout of the three, it actually has the best long-term returns. Its RTP rate is 98.94%, whereas the RTP for the player bet is 98.76%, and for the tie bet, it’s 85.64%.

　　The aim of the 3–2 system is to let you place two different bets, one of them safe and the other a bit risky:

　　Most of your money will go towards the player/banker bet with better odds. Since 2 units are going on the corresponding pair bet, the 3–2 system gives you a shot at winning the riskier.

　　You can switch between player and player pair, and banker and banker pair at any time. Also, you can swap the 3 and 2 units, so you could place 3 units on the pair bet and 2 on the main one, for example.

　　A top-winning baccarat system that many players use is the 1–3–2–6. This involves choosing a base bet and increasing it by certain amounts whenever you win. There are 4 stages, and you move to the next stage after a win. Here’s its run-down:

　　If you lose at Stage 1, 2 or 3, you should go back to Stage 1. Should you make it to Stage 4 and win, you’ll have a profit equal to 12× your base bet. Here are some more detailed calculations…

　　…and the main advantages and drawbacks of the 1–3–2–6 baccarat betting strategy.

　　The Martingale Strategy is one of those baccarat systems that you can use along with other casino games, such as roulette.

　　It’s worth pointing out that this strategy is best with even money bets, even though you can still apply it with any stakes.

　　The table below shows the strategy in action:

　　As you can see, there have been three wins, securing the player a profit of £3, which is equal to 3× their starting bet of £1.

　　For a detailed look at the strategy, this video is worth watching:

　　The d’Alembert System is suitable for even money bets, so in that respect, it’s similar to the Martingale Strategy. However, there’s a bit more to it.

　　If trying the d’Alembert baccarat strategy to win sounds convincing enough for you, give one more look to its summary in use to make sure you took in all:

　　And here are some key fors and againts of the d’Alembert system.