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How to Win at Baccarat Using Flat Betting Strategy

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Out of all the card games that exist in the world of gambling, baccarat is one of the simplest to learn and play and the most preferable among players. In fact, it is so simple that you can learn how to play it in mere minutes.

You might be wondering how is this even possible. The answer is simple — apart from making a wager and making a single choice, everything else is done by the dealer. The dealer handles all the gameplay, and all that the gambler needs to do is make a choice before the deal.

However, despite the game being so simple, there are still things you can do to make sure that your odds of winning are as highest as you can make them. In other words, even for a game like this — there are strategies that you can rely on to get you to the winnings.

We should note right away that the strategies are not complicated and also that they do not guarantee winnings. But, they will give you the best fighting chance you can expect to get. The main strategy that players tend to use after approaching the baccarat table is known as the flat bet system, and that is what we are going to talk about today.

What is the Flat Bet System?

The first thing to note is that the flat bet system is the simplest way to approach a round of baccarat. It doesn’t require you to remember anything except for the last bet that you made. It is a type of wagering that is also very easy on your pocketbook, assuming that you play it right.

In essence, the way the flat bet system works is very straightforward. Once you start betting, you would bet the exact same amount on every hand. You can choose any amount you wish, although it is recommended that you go for the table minimum. Let’s say that you bet $5. If you win, you would bet another $5. If you win again, you would, once again, bet $5, and so on.

But, what happens if you lose? Well, in this case, you would bet $5 once again. At this point, you get the idea — no matter what happens, you should proceed with betting with the exact same amount every time.

Does this actually work?

If you think that this strategy isn’t really much of a strategy — you would be correct. There are no nuances here, no waiting for the perfect moment to do something differently — everything is as simple as described. So, if that is true, how does it work?

The answer is actually very simple — it’s all in the math.

You see, when you bet in a game of baccarat, you can bet on three different options. You choose the amount and make your bet before the dealer starts dealing out the cards, and you can bet on a banker, player, or tie. After calculating the odds for each of the three, experts have found that betting on the banker brings the biggest chance of winning.

Betting on the player is the second-best option, and while the two have seemingly the same chance of success, betting on the banker still gives you slightly higher odds, which is why it is recommended that you always go for this option. Unless, of course, if you are after the excitement that comes with the increased risk and you don’t mind losing money.

So, if you start with the banker and do not change your bets at all, you will not experience major swings in your bankroll. As a result, you will not risk running out of money or even hitting the maximum table limit, which is a common problem with progressive strategies.

How does flat betting compare to other strategies for baccarat?

Baccarat is a game that has been around for quite a while, so it should come as no surprise that there are multiple strategies available for it. Apart from flat betting, there are also options such as the Martingale method, the Fibonacci system, or the Paroli strategy.

While they are not very complicated, there are some calculations that you will have to make if you go for one of these. The reason for that is the fact that your wager is supposed to change as you progress through the game. For example:

If you play using the Martingale method, you will have to double the bet every time you lose a round. Meanwhile, if you win one, you will revert back to the original bet that you first started with. The Paroli strategy does the opposite, requiring you to double up on the wins, until you win three times in a row. After that, you are recommended to go back to the original bet and start over.

Then, there is the Fibonacci system, which is by far the most complicated of the three. It is a system based on progressions and regressions that uses the Fibonacci sequence of numbers (0, 1, 1, 2, 3, 5, 8, 13, 21, 34, 55, 89, 144, 233, 377…) where you would increase the bet each time when you win, and go back by two numbers each time when you lose.

With flat betting, on the other hand, you don’t have to think about any of that. You just keep betting the same amount — no math, no surprises, no trapping you in a situation where you reached the upper limit and then lost, leaving you unable to recover the funds. And, since you won’t take large bets, there won’t be any large swings in your payroll. The math favors the banker the most, and that is also the case when it comes to the flat betting strategy.

Where to bet on baccarat?

Depending on where you are — meaning your country or state — gambling may or may not be legal. Even if it is, you might not have a land-based casino nearby. In order to cover these and other scenarios, we can recommend betting on some of the most reliable and popular online gambling platforms. These are international casinos that are still licensed and trusted, and many of them have been around for years, allowing them to become well-established and confirming that they are trustworthy.

Below are our recommendations for each jurisdiction:

What are the benefits of using the flat betting system?

If you are considering using the flat betting system but you are unsure of what the exact benefits of it are — here are some to keep in mind.

You get better odds

As mentioned before, we recommend sticking to the same amount and always betting on the banker. The reason is that the banker has the best odds of being the winning choice. Combine that with the flat betting system, which, if you bet on the banker, offers a 98.9% RTP, and you have the best combination at the table. This actually beats most other casino games, although it is not as certain when it comes to other systems.

It will let you gamble even with a smaller bankroll

If you have come to the casino to have a good time, but you don’t plan on spending much, flat betting in baccarat is a great way to keep playing a lot longer than you might expect. It is extremely consistent, so you can basically count on getting enough returns to continue playing, even if you have very little money to spare. This actually makes flat betting on baccarat a great way for novice players to enter the world of gambling, and it is more exciting than pulling a lever on a slot machine.

You get to make more bets

If you use the flat betting system, you will get to make a lot more bets than if you doubled your bet each time after winning or losing. The problem, even with a winning streak, is that you will eventually lose. Meanwhile, if you hit a losing streak with progressive wagers, you will be left without money very quickly. This way, your bet remains the same — preferably the minimum amount — so you can just keep making bets over and over again.

Very little attention is required

Imagine trying to play a game while using the Fibonacci sequence. You would have to keep the numbers in mind, translate that to the amount of money that you need to wager, keep an eye on the bankroll, keep the table’s upper limit in mind, go back by two smaller numbers when you lose, and so on.

While this is a valid strategy for bankroll management, and it definitely works well for a lot of people — it sounds rather mentally exhausting. Especially for beginners. On the other hand, the  flat betting system is as simple as it can be. You are free to watch TV, drink, eat, or talk on the phone, and play at the same time. There is little to no concentration required beyond remembering to bet at the start of each round.


Most card games require you to make serious choices, master your skills, take risks, bluff, keep complex strategies in mind, do a lot of math, carefully manage your bankroll, switch bets up or down each turn, and more. Flat betting in baccarat requires none of that. Essentially, all you need to do is remember to not do anything other than bet at the start of each turn, and that is pretty much it.

Using this strategy — betting on the banker and using the same amount — will maximize your odds at winning money, and all the while, you get to just sit back, relax, and watch it all happen in front of you.

You can also check out other Baccarat Strategies or visit Real Money Baccarat Sites.

Lloyd is passionate about online gambling, he lives and breathes blackjack and other table games, and he enjoys sports betting.

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