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How to Win at Baccarat using Flat Betting?

Author Shruti

the author

Shruti J.

date post

Jul 14, 2022

How to Win at Baccarat using Flat Betting


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Baccarat is a game of luck. The most reasonable way to secure some good earnings in such types of games is to have a good betting strategy. Therefore, one of the best things you can do to get the upper hand is to learn how to win at baccarat using flat betting. Since baccarat is a popular game, you can play it in almost every casino that exists. There are many live casinos that offer live baccarat as well such as 22bet.

There is a long history behind baccarat and its betting styles. Many people also have a dispute over who actually introduced baccarat first. Some say that a great mathematician, Arthur C. Clark, first introduced this game to the world in his book, Artificial Intelligence. While others say that Italy introduced the baccarat into France in the 15th century. There are numerous claims about it, and the exact origins are still not discovered yet. However, what we know as a fact is that William H. Morgan introduced the game to the United States in 1898. Even in those times people were aware of the flat betting strategy and used it efficiently.

Baccarat has been used for many games throughout history. Therefore, there are many different versions of baccarat that exist. The most common one is the Punto Banco, which we will be learning about here. Similarly, there are also numerous betting strategies to play baccarat, and the one we will be focusing on today is the flat betting strategy of baccarat. Finally, I think now we know enough about baccarat to begin the guide. So, let’s get started!

How to Play Baccarat?

 person holding deck of cards

Baccarat is a gambling game of the card games category similar to that of Blackjack. As we discussed before, there are many variations of baccarat. Therefore, we will only be discussing the most commonly played version of Baccarat, Punto Banco. If you know how to play Punto Banco, you can easily get a hold of other versions of baccarat. It is an easy game you can play with family and friends. Let us give you a brief insight on how to play baccarat before we hop into the main part. So, shall we look at the rules now? Well, I think we should!

Let’s start learning baccarat with some basic rules, and then, we will see how to win using flat betting. First of all, what a new player needs to know is that baccarat can be played with up to 12 to 14 players. However, only one player can also play the game alone. There is no need for a large number of players to play the game. In this game, every player makes a hand consisting of 2 or 3 cards. To determine the winning hand, you will have to divide the face values by 10. The player with the highest remainder becomes the winner of the match.

Card Values and Hand Values to Win at Baccarat using flat betting

Reading card values in baccarat is quite unique to that in other card games. In baccarat, the value of the cards from 2 to 9 is equal to their face value. For example, a 3 of Spades is worth 3 points because of its number, and a card with 4 numbers has 4 points for the same reason. The suits do not matter in baccarat, which means no suit is better than the other. All suits are of equal rank. The cards of rank 10, King, Queen, and Jack have zero points while an Ace only has 1 point. In many other games, Ace is worth 10 points, but this is not the case in baccarat. These are all the card values that you need to know for now.

Hand values are also very different in baccarat. When playing poker, blackjack, and other card games, you can form a good hand by getting higher rank cards. However, determining hand values in baccarat requires you to do some simple calculations. To find the total score of a hand, you need to add all the points together. Now, note that when your total hand score is two-digit, your score will be the later digit. In other words, any sum that reaches two digits drops the left digit.

For example, cards of 3 and 6 will have 9 points in total. On the other hand (literally), the cards 5 and 7 will have only 2 points because 5 + 7 is a 12, and 12 is a two-digit number. Therefore, our final score for this hand will be 2. It is a bit confusing, isn’t it? Do not worry as you will get used to it after playing a few games.

Secret Game Procedure to win at baccarat using flat betting

Now, let’s learn the game procedure for baccarat. There are two areas on the top of a baccarat table; one is for the player and the other is for the banker. The dealer will distribute two cards to each section. The people on the table will, then, bet on the side they think is going to win. If someone thinks it is going to be the same, he can bet on “Tie”. Then, the scores of the two sides are calculated. The side with the highest score will become the winner. For example, there is a 2 and 5 on the banker’s side, and a 6 and 4 on the player’s side. The final score will be 7 points for the banker and zero points for the player. In this case, the banker is the winner and hence anyone who had bet on the banker’s side will also win.

There is also one more thing that you must know and that is the third card rule. In the third card rule, the dealer gives out one more card to either the banker or the player. There are not any fixed criteria for when a new card will be distributed on the table. However, in most casinos, a new card is given to the side with a score of less than 7. You do not really have to learn about the depths of this rule as it does not matter much. Baccarat is a game of chance, hence, you can only depend on luck to win bets in baccarat.

Types of Bets in Baccarat

beting coins and dollars

Next, we need to know about the types of bets in baccarat. Baccarat is all about placing the right bets. There are three kinds of bets in baccarat: Player also known as Punto, Banker also known as banco, and Tie also called Stand-Off bets. The last one (Tie) is not recommended as it gives the casino a high advantage. Now, we shall learn about these bets in detail.

If you win a banker bet, the casino keeps a 5% commission from your bet. However, banker bets actually have a lower house advantage than other baccarat bets. The payout for the tie bet is usually 9:1 or 8 :1, which is great. Nonetheless, you should not forget that the chances of a tie are very low. This bet has the highest casino advantage of over 14% and thus is not recommended in the long term. For the player’s bet, you will get a 100% payout on winning. Let us give you some tips on betting.

First and foremost, do not bet on a tie. The house edge for this sort of bet is typically 14.4 percent. The house edge on the other two primary bets, Banker and Player, is significantly more reasonable at 1.06 percent and 1.24 percent, respectively. Even though the reward is substantially lower, these final two are by far the safer bets to make. Consistently betting on the tie, on the other hand, is a losing approach. So, now that that’s out of the way, what additional baccarat methods can you utilize to increase your odds of winning at the conclusion of a session? This essentially boils down to understanding the bets, their chance of success, and how to manage your money.

Winning at Baccarat Using Flat Betting Strategy

casino coins and some cards on table

There are several different types of betting strategies to win at baccarat. The most common betting system among today’s casino players is flat betting. A flat bettor is someone who employs flat betting. Like every other strategy, flat betting also has its own advantages and disadvantages. One of the most common ways to get a win in baccarat is by using a flat betting strategy. While many people consider this method of betting as slaughtering oneself, many still manage to earn a hefty amount of sum using it. However, it is important to keep in mind that winning at baccarat using flat betting is not as simple as it seems to be. In fact, the odds are against you in this strategy, making it harder for you to survive. Nevertheless, if played with caution, winning is possible.

Almost every casino you either visit online or offline uses a certain type of betting system. This system includes rules and regulations which decide whether your stakes will decrease or increase. You may know this betting system as a progressive system. Moreover, baccarat has a slight house edge over the players. Because of the casino’s progressive betting system and house edge, it is difficult for players to win huge benefits. However, in the long run, you will be able to get slow but steady profits.

To win at baccarat using a flat betting strategy, first, it is important to understand the basics and know what exactly it means. You can not start winning through a strategy if you are not down the basics. Hence, let us explain to you the flat betting method in Baccarat.

What is Flat Betting?

If you have done flat betting in any other gambling game, you may notice that flat betting in baccarat is a bit different than in other games. Flat betting is when a bettor bets the same amount of money on every bet. Starting from the first bet to all the way through his last one. For example, say a person named John arrives at his favorite casino to play a game of baccarat. John now sits at a baccarat table and places a 10-dollar bet on either bank or player’s hand to start playing. Note that this is his first bet.

On his second bet, he again bets 10 dollars. He, then, does the same for all his succeeding hands. This is what he does all the time: always bet 10 dollars. John does not stop betting the same amount of money until the game ends. This method of playing baccarat is known as flat betting. It is important to learn how to win at baccarat using flat betting to get steady earnings.

In flat betting, it does not matter whether you win or lose the bet. The thing that matters is that you must bet the same amount every round. In baccarat, flat betting is best for low-stake games as it is not a good strategy for a big win. You can only aim to get small but many wins using the flat betting strategy. Using this strategy for bigger wins is very risky and can cause losses that you may not handle. When it comes to gambling, it is better to play as safely as you can.

2U x 3T Flat Betting Winning Strategy

2U x 3T flat betting strategy is very useful, and will definitely minimize the risks of a big loss. The 2U means 2 units, which ultimately means that you should only play till losing or winning two units on one table. The 3T means 3 tables. This indicates that in this strategy if you win two units on one table, you move to another table and do the same. If you win on the second table too, you must move to a third table. When you win all three tables, you will complete this betting strategy. Sounds easy, doesn’t it? Of course, it is easy to understand it. However, it is not as easy to put it into action as it looks to be.

Nevertheless, it is a great way to win at baccarat using a flat betting strategy. Even if you succeed in getting a win in the first table, you can at least break even. Moreover, if you succeed in winning on two tables, you can secure two units at the very least. One thing you must keep in mind is that every strategy requires practice. If you consistently practice and learn to spot a good betting chance immediately, it will be easier to understand this strategy.

Strategy and Training to win at baccarat using flat betting

The second flat betting strategy that we will learn here is the Training strategy. This strategy is also known as the 2 steps flat betting strategy. With this strategy, you will be able to not just win bets efficiently but also learn how to spot betting chances in the real game. The 2 Steps flat betting method is the most useful way of training baccarat beginners. By using this strategy in the training stage, you can maximize your own ability to find out good betting chances.

In the first step, leave the table if you lose two tables consecutively. However, if you manage to win two tables, you can finally move up to the second step. After you fulfill the requirement to move to the second step, play the game continuously until you lose one time. Once you lose one time, it is time to leave the table. The most important part of this strategy is to leave the table at the right time just as mentioned in the first step and the second step. Doing this will help you greatly in learning to eagerly focus on spotting betting chances at the table.

Finally, practice this strategy by playing on a free baccarat game app. You must not practice or train for a strategy in an online casino as you may lose a lot of money. It is highly recommended that you train yourself using a mobile app instead of an online or offline casino. Hopefully, now you know, how to use the flat betting strategy to win at baccarat.

Is Learning Flat Betting Strategy Worth it?

girl showing trick on How to Win at Baccarat using Flat Betting

Flat betting is only good for low-stakes games. Playing a higher stake baccarat game using a flat betting strategy has great chances of a loss. This is because flat betting does not take advantage of the shifting swings in the gambling environment. Gambling environments will change in a sporadic manner over time. A smart gambler will take advantage of this sporadic change by adjusting his playing style in alignment with the changes. The flat betting approach has the advantage of not causing you to lose a significant amount of money over a long time. However, it does not allow you to win large sums of money instantly.

If you have gambled enough, you probably know that gambling is like the changing tides in the ocean. In the receding tides, it is almost impossible to win. So, if you can not stop betting, you better bet only the minimum. Never make the mistake of confronting the receding tide head-on. Because doing this, you will be causing your own downfall. On the other side, in the rising tide, it is almost impossible to fall or lose.

Hence, in this instant, you should be quick and put on high stakes. Never be afraid to bet big in the rising tide. If you are scared to take such a risk, you can not hope to win big. Flat bettors fail to ride in this changing tide and this ultimately becomes the reason for their loss in extended play.


Learning how to win at baccarat using the flat betting strategy is not difficult. The thing that may actually put you in a spot is carrying it out in a real casino. Since baccarat is a 100% game of chance, luck matters entirely. If the luck lady is by your side, you may be able to complete the strategy in one go. However, if the cloud of bad luck hovers above you, there is nothing much you can do.

Nonetheless, using the flat betting strategy you can minimize the loss and very slightly increase your chances of winning. This strategy will help you maintain a good balance between losing and winning. If you follow these flat betting strategies, you will find yourself earning decent profits. Of course, playing baccarat is never a good way to get big wins, so that should be your least priority. With baccarat, you can only get slow and steady profits. You can take bigger risks but that is not recommended. If you really want to get some big wins without depending on your luck much, then learn to play live poker or blackjack. These two are games of skills and if you are a professional player, you can easily make a living out of playing just these games!


Baccarat is a 100% game of chance, which means that the outcome of the game depends entirely on one’s luck. If you have a bit of bad luck, no strategy can save you from losing. However, if you are what we call a lucky person, then winning should be a piece of cake for you. In a game of skill, you may improve your odds of winning by improving your gameplay. In a game of chance, you have no control over the outcome. The best you can do to secure some wins in a game of chance is to have good bankroll management skills.

Winning at baccarat is purely based on luck. However, it is possible to get more wins if you always bet on the banker area. This is due to the fact that the bank bet has a 1.06 percent house edge, which works quite well in our favor.

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