How to Manage Your Bankroll for Baccarat Success

BetMGM May 05, 2025, 8:00 AM
min read
Stacks of coins arranged in ascending order on a wooden table, with jars filled with more coins in the background. A person, partially out of focus, is seen hugging a pillow or soft object, suggesting a theme of saving or financial planning.

Besides understanding how online casino table games work, the most crucial thing for long-term enjoyment of gambling is maintaining a sustainable budget for your play. For fans of the card game, their baccarat bankroll is a precious asset.

Without an adequate bankroll, bettors not only don’t have the chance to score some wins but will also be reduced to mere spectators. Baccarat bankroll management isn’t just about trying for profits, but is your key to all the fun that the game can bring. 

Protecting that asset and protecting yourself from the harms of problem gambling go hand-in-hand. With luck on your side, winning and bankroll maintenance form a perfect pair as well.

Baccarat Bankroll Basics

In baccarat, a winning strategy starts before you choose a game to play online or take a seat at a table inside a physical casino. When you’re learning how to play baccarat, the first thing you should consider is your limits.

Limits are not only crucial for responsible gambling, but for becoming a better baccarat player, too. Your betting strategy begins with establishing parameters for your session.

A primary consideration for limits is the amount of time you can spend playing. Baccarat coups (a synonym for hands in baccarat) can move quickly, especially variants like Speed Baccarat, so you don’t necessarily need to allow yourself hours to get in 40 hands.

Many players consider 40 coups the ideal number because it allows you to walk away with more than you started with if you have a good betting plan and luck is on your side. Financial limits help you formulate your wagering strategy.

Setting Limits in Baccarat

Your limits start with an overall budget that you can easily afford to lose completely. You should also set a loss limit and a win target at the same time.

For example, you could establish that you have an overall budget of $40 and give yourself up to an hour to play. You might also commit to ending your session if you lose three consecutive bets.

A good example of a win target is getting up by $10, as a 25% profit on your budget is a great day at the baccarat tables. All the best baccarat strategies to help you master the game depend on you quitting when you’re ahead.

In this example, sticking to the 40-coup plan would allow you to risk $1 per bet if you allocate your budget evenly. Some games, like live dealer baccarat, have higher betting minimums, though, so you need to pick a version that fits your budget.

It’s up to you to decide how you want to allocate your budget to the wagers you want to place. Regardless of which bets you target, you’re highly unlikely to win all of them.

Recovering from Baccarat Losses

If you’re perplexed by your luck and wondering, ‘Why do I keep losing in baccarat?’ that can be a sign that your approach to the game is far from ideal. Losses in baccarat are inevitable, and good bankroll management plans account for that inevitability.

The absolute worst thing you can do following a loss is chase that loss by wagering more than you’ve allocated to your next bet. That can snowball quickly.

Chasing losses robs players of chances to win in disciplined wagering plans. It also steals your enjoyment of the game and puts you in danger of gambling more than your budget.

Smart players accept that baccarat is a game of luck and, to a small degree, skill. Luck can be fickle but discipline can win the day in terms of allowing you to have a great time anyway.

Tips for Long-Term Baccarat Success

For these people, enjoying the James Bond Effect in baccarat and the glamorous atmosphere that the game provides is worth the cost of their gambling. Even for online players, live baccarat games can bring an authentic casino experience to your screen.

A great strategy for long-term success for such gamblers is fixed-amount betting, which means that you divide your bankroll evenly between the number of bets you want to place. This can maximize your ability to extend your session and get great enjoyment out of baccarat.

For players who put more value on having a chance to make a profit, allocating some of your budget to tie bets or even baccarat side bets is a great consideration. Bettors who want to mix in these wagers need to understand that while they offer better payouts than the banker bet or player bet, they are also much less likely to hit.

Still, you can mix these riskier wagers in with the safer bets to find a happy medium between reward and risk. Even if you are only interested in playing a few coups, chasing a quick buck by placing these long-odds bets exclusively rarely works out.

Regardless of how you want to play, BetMGM is the best online casino for baccarat fans. BetMGM offers baccarat games for every betting strategy and budget size, in addition to the best casino rewards program available.

You can use those rewards along with BetMGM’s frequent, valuable promotions to augment your bankroll after you register for BetMGM. BetMGM players can also customize deposit, spending, and time limits to ensure they stick to their plans.

In baccarat, as in many other facets of life, failing to plan is planning to fail. With a good bankroll management strategy and a little luck, you’ll be able to enjoy many baccarat coups.

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