Baccarat (pronounced BA-KA-RAH) offers some of the best odds and despite its appearance, is probably the simplest game to play. Baccarat involves just a few decisions. How much you want to bet and whether to bet on the Bank, the Player or on the Tie Bet.
The object of Baccarat is to be on one of two hands. The winning hand is the one which totals the closest to nine. Nine is the hightest hand.
Eight decks are shuffled together and those participating in the game place a wager on either the Bank or the Player. All bets must be placed before the dealer calls "no more bets" and the cards are dealt.
The game starts with four cards dealt alternately from the Shoe. First card to the Player, second to the BANK, third to the Player, and fourth to the BANK. (Forming two hands of two cards each, one called the PLAYER'S hand, the other the BANKER'S hand.)
The first and the third cards dealt are placed face down for the PLAYER'S hand. The second and fourth cards are placed face down until the PLAYER'S hand is called. At this time, the second and fourth cards shall be placed face up for the BANKER'S hand.
If the point count of either hand is 8 or 9, it is called a "Natural," and no additional cards are drawn. If the Bank does not have a Natural, the Player will always draw a third card on totals of 0-1-2-3-4 and 5 and stand with 6-7-8 and 9.
The Hand closest to 9 wins and pays even money. A winning Tie Bet pays 9-to-1 but the Player’s and Banker’s Hand neither wins nor loses.
Face cards and tens have no value. Aces always count as one. If the cards dealt total more than nine on either hand, they acquire the value of the second digit. For example 10=0, 13=3, 20=0, 24=4.
The shoe holds eight decks of cards. It is passed around the table from player to player, counter-clockwise, every time a player hand wins. This is a way of encouraging each player to take an active part in dealing with the game. Before cards are dealt from the shoe, everyone places their bet on the side they think will win (banker or player). The player with the shoe then deals four cards alternately. Two are designated player cards, two are designated banker cards.
The dealer announces the total of each hand and the winning side is then announced. When betting on the Bank, the casino will collect 5% commission on money won.
The object of baccarat is to bet on which hand will have the highest value. The highest hand in baccarat is 9 and the lowest is 0. Tens, Jacks, Queens, and Kings are counted as 0, an Ace counts as 1 and all other cards count their face value.
Rules: Player Card and 3rd Card Rule
These charts describe the fixed rules governing the drawing of additional cards.
|When a Player's first two cards total||Player's Card|
|0-1-2-3-4-5||Draws a card|
|8-9||Natural - Stands|
|When a Banker's first two cards total||Draw when Player's 3rd card is||Does not draw when Player's 3rd card is|
|0-1-2||Banker's hand always draws on a two-card total of 0-1-2|
|8-9||Natural - Stands|
When the PLAYER hand wins, the shoe passes to the next player.
Tie Bet - With a tie bet, you are betting that both the player and banker hands will tie. If they are tied, you will be paid 9 for 1
Nine is the hightest hand
If a banker or players hand has a total of eight or nine on the first two cards, no further cards are drawn.
Player hand having 0 - 5 must draw one card.
Player hand having 6 or 7 must stand
Difference between Baccarat and Mini Baccarat
The rules of Baccarat and Mini Baccarat are similar. However, all cards in Mini Baccarat are dealt by the Dealer.
Baccarat House Advantage and Expected Lose
|House Advantage||For Every $100 bet, the player can expect to lose|
|Player/Banker||1.1%-1.2%||$1.10 - $1.20|
This website encourages you to play responsibly by betting within your limits and by recognizing that over time the house will come out ahead.