Baccarat 1-3-2-6: The Most Complex Bankroll Management System?

1-3-2-5 bankroll management system on the baccarat social casino game
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Already know the most popular baccarat systems but want to try something different?

Enter 1-3-2-6, a positive progression system, where you play with variable coin sizes to maximize winning runs, while limiting the downswings of possible losses.

In this guide, you’ll gain an understanding of:

  • How this system works to balance your overall coins
  • An example of 1-3-2-6 in action
  • Alternative systems for real-life social casino scenarios

What Is Baccarat 1-3-2-6?

When you enjoy online baccarat, luck might not always be on your side. That’s why baccarat bankroll management is key.

Here we talk about the 1-3-2-6 strategy, a progressive playing system where you change the number of coins played when you win or lose a hand. By following a set pattern, it can help you play consistently.

Once you’ve understood the basic idea, you can adapt accordingly on your baccarat games.

How To Play Baccarat 1-3-2-6

First you choose how many coins to play from your total coins available. Then, play by a pre-set sequence of 1 unit, then if you carry on winning go for 3, 2 and 6 units. If at any point you hit a loss, go back to the start of the sequence. Likewise, restart after you complete a whole 4-step 1-3-2-6 sequence. 

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Detailed Example Of Baccarat 1-3-2-6 

Here is a true-life example of playing 4 different unit plays (1, 3, 2 and 6).  Each time you win a hand, play the number of units stated in the sequence. Although If you get a loss, start the 4-stage sequence again.

Let’s imagine you use a unit playing system where 1 unit equals 10 coins. Here’s how it works:

PlayCoinsAction
110Place 10 coins. If you win, move to step 2. But if your play loses, repeat sequence step 1 again.
230If you win, go to sequence step 3. But a loss takes you back to step one.
320If your play wins, progress to step 4. If you lose, repeat sequence step one for your next play.
460No matter if your play wins or loses, begin the sequence again from step one.

Let’s consider some likely outcomes.

If you lose your first hand, you would lose 1 unit. But a first hand win, followed by a losing second hand, means you’re 2 units down.

Win the first two but lose the third means you’re plus 2 units. If you win hands 1-3, but lose the fourth, you’ll be all square.

On a lucky streak, you might win a sequence of four plays (1-3-2-6). Winning 12 units in total. For example, your first play wins 1 unit, followed by 3, 2, and finally 6.

Yet, if all four plays lose, you stand to lose 4 units (or 40 coins, if 1 unit = 10 coins). In reality, you’re likely to see variable results, not a linear run of wins or losses.

Example of baccarat game progression with the 1-3-2-6 bankroll strategy

Gameplay Tips

Start low risk: When starting the 1-3-2-6 system, play with low unit values until you become more familiar with how the strategy works.

Consider how many units to play: Pick a unit size which matches your risk level and bankroll. For instance, playing up to 2% of your bankroll per play. For example, with a 200 coin bankroll, play only 2 to 4 coins each time.

Set limits: 1-3-2-6 can protect your bankroll if you’re on a lucky streak. But be mindful of the reward ratios at each step and limit how many times you play 1-3-2-6.  

Stick with your selection: Aim to play the same selection during your entire 4-step sequence. For instance, you could decide to place coins on the player. So keep placing coins on this selection for all 4 steps. Likewise, avoid playing the tie because it offers fewer chances to win.

Alternatives to 1-3-2-6

Is the 1-3-2-6 method suited to your baccarat playing style? Maybe there’s a better choice for you, or maybe you prefer to vary your playing method. So, let’s introduce some different baccarat strategies.

  1. With Flat playing, you always play the same number of coins. With this system, you cannot recover any losses in quick time. But consider it if you like predictable play.
  2. The Martingale System involves doubling spins after each loss. This is much higher risk than 1-3-2-6 and can lead to large losing runs or even losing your whole bankroll. 
  3. In the Fibonacci System you play units in a specific pattern (1, 1, 2, 3, 5, 8, 13 etc). It’s considered a medium risk system that tries to recover losses.
  4. The Paroli System is a positive progression strategy, where you play double the number of coins after a win. Hit 3 straight wins and go back to your first play. The strategy can be useful in small winning runs.

These alternatives each give you a unique way of playing, whether you want a low, medium, or higher risk style. However, if you like to play conservatively, 1-3-2-6 might be a good solution.

Wrapping Up

The 1-3-2-6 baccarat strategy offers a unique way of playing, with risk almost as low as flat playing.

Like any baccarat system, 1-3-2-6 has its benefits. Mainly that it’s a low risk way to limit bankroll drawdowns. Plus, three wins in a row would mean you don’t lose any coins. However, you can also experience losing runs. So, look at the cons like frequent restarts if you lose one hand.

That’s it. Before you find the best baccarat games at McLuck social casino, check our other social casino guides on this game and become a better player.

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