Evolution Golden Wealth Baccarat

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As part of their busy 2021 release schedule, Evolution is presenting a new, innovative live baccarat game. Golden Wealth Baccarat is an exciting new idea made in the same spirit as Lightning Baccarat. However, the Golden Wealth variant is presented as the “luckier” version. In other words, the volatility is lower, resulting in more frequent multiplier wins.

We’re chiefly referring to Lightning Baccarat’s trademark system of multipliers. The idea behind Golden Wealth baccarat is to introduce even more stackable multipliers. Players are expected to draw at least one multiplied card per round, which adds even more excitement to this already exhilarating concept.

All of this is, of course, delivered with Evolution’s well-known sense of style. The studio is very much over-the-top, covered in crimson-golden decorations in a vaguely East Asian look. The UI is concise and intuitive, while the professional dealers bring the experience to a whole new level.

How to Play Evolution Golden Wealth Baccarat Online

The Golden Waleth Baccarat game is still a typical live baccarat game at heart. That means that the goal is to predict which of two card piles ends up with a score closer to 9. As always, there are three main bets available – Player, Banker, and Tie. The former two win if they end up closer to 9 at the end of the round, while Tie wins if they both have the same score.

Initially, each side receives two cards. Cards 1-9 have their face value, while cards 10 and up count as 0. If the final score ends up being a two-digit number, only the last digit counts. For example, a score of 15 counts as 5. If either of the two piles gets an 8 or 9, it automatically wins – this is called a natural win. If a pile has a score total of 0-5, that side draws a third card. The only exception is if the Banker already has 8 or 9, in which case the Banker wins outright. Due to this small advantage, Banker is somewhat more likely to win. That’s why a 5% commission is usually deducted from every Banker bet.

A 20% ‘Golden fee’ is applied to all main bets. These fees are there to allow for the massive winning potential of the multipliers. They allow the Golden Wealth Baccarat game to function withiout decreased odds while still offering a strong RTP. We’ll discuss these multipliers further down in the Special Features section of this Evolution Golden Wealth Baccarat review.

Live Casino Best Tips for Golden Wealth Baccarat

All Golden Wealth Baccarat strategies are essentially the same as with any other baccarat game. The basic odds are the same, so you won’t have to change your usual tactics.

The multipliers on the Golden Cards stack multiplicatively. This means that the total payout for Banker and Player bets can reach 512x!

Only the 3 cards on Player or Banker count towards your payout, depending on which one you wagered on. For example, if you bet on Player, only the 3 Player-side cards can multiply your payout.


Live Golden Wealth Baccarat Payouts

The multipliers in this game are able to stack on top of each other, which can lead to massive wins. However, all wagers come with a 20% fee. Also, all Banker bets come with a standard 5% commission which is common to most live baccarat tables. Thankfully, this only applies to the base return and not the multiplied win. Also, Tie bets can be multiplied by up to all 6 cards, but have a reduced base payout. Furthermore, the Golden Wealth multipliers also apply to the Pair side bet.

Player1 – 512:198.85%
Banker0.95 - 511.5:198.69%
Tie5 – 1,310,720:193.35%
Player Pair9 - 576:186%
Banker Pair9 - 576:186%


As you can see, the Evolution Golden Wealth Baccarat RTP depends on the wager you’re making. As always, the Banker bet is the superior option despite the 5% commission. Interestingly, Tie wagers are better than typical baccarat tie bets, which usually come in at below 90%. The side bets are even worse than usual, though, and are best avoided in most situations.

New to Live Baccarat?

Make sure to choose the game that suits your taste and budget. For more extensive guides on live baccarat basics, read this article.

Remember that LiveCasinos.com isn’t here just for live casino game reviews. We also handle guides and strategies, helping you get the best start possible. For instance, we’ve covered various online live baccarat guides. Start with this Live Baccarat strategy guide, and then check out our Live Baccarat tips and tricks.

Special Features

Golden Wealth Baccarat Golden Cards are the distinguishing feature of this Evolution flagship project. Here’s all you need to know about how Golden Wealth baccarat works.

After each betting period is over, the Golden Round assigns random multipliers to 5 cards. If a card with the matching rank and suit of a Golden Card is drawn, the corresponding multipliers are applied to winning hands. However, the Golden Cards will need to be on the pile you’re betting on. For instance, if you make a Banker bet, you’ll receive an increased payout only if one of the three Banker cards is a Golden Card. The same is true for the Pair side bet. Obviously, you’ll also need to win the bet in the first place.

However, if you bet on a Tie and win, all 6 cards on the table can stack up in the multiplier. As we already mentioned, a 20% fee is added to all stakes to cover the increased payouts.

Beyond that, the Player and Banker side bets are fairly standard. They win if the relevant side draws a pair with the first 2 cards. Any multipliers assigned to those two cards increase the payout.

The baccarat statistics and roadmaps are also part of the UI. These allow players to keep track of trends, hot and cold cards, and overall shoe statistics.


While Evolution has been known to introduce native-speaking tables, Golden Wealth Baccarat is only presented in English. After all, there is only a single table available, though it accommodates an infinite number of players. However, you have the option to pick from multiple UI languages, namely English, Albanian, Bulgarian, Chinese, Croatian, Czech, Finnish, French, German, Hebrew, Italian, Japanese, Polish, Portuguese, Romanian, Russian, Serbian, Slovak, Spanish, Swedish, Thai, Turkish, Vietnamese.

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Key Benefits to Players

  • Five randomly selected Golden Cards with multipliers each round.
  • Augmented reality visuals that bring you right into the action.
  • Multipliers stack with each other for potentially massive returns.
  • Banker and Player Pair side bets offer broader wagering options.
  • Live betting statistics and baccarat roadmaps.
  • First-person RNG-based variant available if you want to avoid live dealer gambling.

Our Verdict

We haven’t had a chance to properly sit down at an Evolution Golden Wealth Baccarat live table. As such, we can’t really give it a proper review or verdict. As soon as sufficient information becomes available, though, LiveCasinos.com will be the first to offer a full Golden Wealth Baccarat live casino review!

Overall, we prefer the live casino Golden Wealth Baccarat game to the Lightning variant. The multipliers are much more common, which means the gameplay is incredibly exciting. Furthermore, the overall payout structure is incredible, leading to a small house edge. The only noticeable downsides are the side bets, which took a serious hit in terms of their returns.

If you’re looking to spice up your live baccarat experience, look no further. Evolution managed to innovate on the simple formula yet didn’t drive down the RTP. As such, anyone can play Golden Wealth Baccarat live and have a great time. New players will love the top-notch presentation, while baccarat veterans will appreciate the novelty.


What is the best strategy for Golden Wealth Baccarat?

For beginners, the best plan is to simply bet on Banker. Relying on a structured wagering plan is also a great way of minimizing risks. For advanced players, you can attempt to count cards and advantage play to make the most out of multipliers.

What is First Person Golden Wealth Baccarat?

First Person Golden Wealth Baccarat is essentially the same game, except it uses an RNG system instead of live real dealers. This means that everything is decided by computer-generated numbers instead of real cards drawn by actual people. The advantages of this variant are that you can take as long as you like to bet, and the outcome is always truly random. Everything else is the same as in the live dealer Golden Wealth Baccarat game.

Can I play Golden Wealth Baccarat for free?

Yes, actually, but only the First Peron variant. The RNG version allows you to try free hands and not risk (or win) any hard-earned cash. As for the Golden Wealth Baccarat with real dealers, you’ll have to play for real money.

What is the RTP in Golden Wealth Baccarat by Evolution?

The RTP depends on the bet you’re making. Player and Banker bets offer 98,85% and 98,69% respectively. Tie bets come with 93,36%, while the Pair side bets have an RTP rate of just 86%. That’s why we advise beginners to stick with the basic Player and Banker bets.

Is Golden Wealth Baccarat a good game?

In our opinion, Golden Wealth Baccarat is an excellent game. It offers more excitement and options than most other top live baccarat games. Even the RTP is bigger than standard baccarat rates, except for the Pairs side bets.

What is the maximum payout in Evolution Golden Wealth Baccarat?

The biggest possible payout would be 1,310,720x your bet. However, to get this, you would need 6 Golden Cards, each with an 8x multiplier attached. This is highly unlikely to ever happen. Moreover, all payouts are hard-capped at $500,000 or the equivalent in other currencies.

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