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Live Golden Wealth Baccarat: Our Review, How and Where to Play

Evolution by Evolution

Golden Wealth Baccarat by Evolution is an online roulette game released in 2021. It boasts an RTP of 98.95% with a minimum bet of $1 and a $5,000 maximum wager. The game is available on both desktop and mobile and is the latest Evolution twist on the Baccarat formula.

The relative simplicity of live dealer baccarat makes it an excellent ‘platform’ for innovative ideas. We’ve seen some very exciting baccarat variants in the past, and Evolution has decided to take it to a new level. Let’s take a look at what is Golden Wealth Baccarat all about.

Live Golden Wealth Baccarat
  • Excitement
  • Design & Sound
  • Streaming Quality
  • Interactivity
  • Win Potential

Live Golden Wealth Baccarat Review

Game Specifications
Game nameLive Golden Wealth Baccarat
Game providerEvolution
Game typeBaccarat
Streaming from Latvia
Bet range€1 - €15,000
Max win40x
Side betsYes
Supported platforms Android Apple Desktop Mobile Tablet Windows
Supported OS Android Apple
Languages Albanian Albanian Bulgarian Bulgarian Chinese Chinese Croatian Croatian Czech Czech English English +17
All supported languages
  • Albanian Albanian
  • Bulgarian Bulgarian
  • Chinese Chinese
  • Croatian Croatian
  • Czech Czech
  • English English
  • Finnish Finnish
  • French French
  • German German
  • Hebrew Hebrew
  • Italian Italian
  • Japanese Japanese
  • Polish Polish
  • Portuguese Portuguese
  • Romanian Romanian
  • Russian Russian
  • Serbian Serbian
  • Slovak Slovak
  • Spanish Spanish
  • Swedish Swedish
  • Thai Thai
  • Turkish Turkish
  • Vietnamese Vietnamese

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, theGolden 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.

Key Highlights

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.

How to Play Live Golden Wealth Baccarat

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 without 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.

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.

Evolution Golden Wealth Baccarat Payouts
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?

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 have been known to introduce native-speaking tables, such a move is usually reserved for major titles and releases. We’ll probably have to wait a few years for them to see if additional Golden Wealth Baccarat tables become available. For now, though, we can be sure that players will 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.

Our Verdict of Live Golden Wealth Baccarat

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.

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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.
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.
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.
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.
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.
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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