Playing Baccarat

bacarratBaccarat is a fairly simple card game where you as a player can bet on three different outcomes. It gained popularity as James Bond‘s favorite card game. Unlike Blackjack, in Baccarat players can never bust and you can only bet before any cards are dealt and don’t make any decisions while the game is in progress.

Baccarat is usually played with eight full decks of cards. Each card Nine or lower has its own value. Ace’s are worth 1 and Tens and the face cards (Jack, Queen, King) are worth 0. You can play either on the Player, the Banker’s hand (casino), or you may also bet that it will be a draw (tie).

When all bets are made the dealer deals two cards to both the player and the banker. The total value of the cards are added together and the scores are compared to determine the winner of the hand to see whose hand is closest to 9. If the total value of the two cards is more than 10, then 10 is deducted from that number to get the hand value. For example, if you get a 9 and a 7 it gives the total of 16, which becomes 6, likewise 18 becomes an 8 total, and so on. Therefore, the total value of a baccarat hand is always between 0 to 9.

A third card can be dealt to the bank or the player depending on the third card drawing rules. If either the player or the bank two-card total is 8 or 9 it is called a Natural and no additional cards are dealt. If the player’s two cards are 5 or less, then the player takes a third card. If the player stands, the bank takes an additional card on a total of 5 or less.

Playing the Game

All of the major online casinos offer baccarat. The first thing you should do before you sit at a baccarat table is to check the minimum and maximum bet a player can make on the table. Although baccarat seems like a pretty complicated game at first glance with all the betting options after a while you will get a lot more comfortable making the banker, player and tie bets.

When playing blackjack and roulette, it is usually quick to make decisions, but in baccarat players take their time and analyze previous results trying to find a pattern which they’re looking to exploit. Although it must be said that baccarat is about luck more than anything else.

Third Card Rules

If neither side has a “a natural” or there is no tie, another card is dealt under the following rules.


If the player’s two cards have a total of 6 or more, they must stand and not get any extra cards. If the player has 5 or less, the player will receive a third card.


If the banker’s two cards is 0, 1 or 2, then the bank must take an additional card.

If the banker has a total of 3, and the player’s third card is not an 8, then the bank must take another card.

If the banker’s hand is 4 and the player’s third card is not a 1, 8, 9 or 0, the bank must take an additional card.

If the banker’s hand is 5 and the player gets a third card that is 4, 5, 6 or 7, the house must take an additional card.

If the banker has 6 and the player’s third card is a 6 or 7, the bank must take an additional card.

If the banker’s hand totals 7 or more, the bank must stand.


Generally, even money is paid out to Player bets and 95% is paid to Banker bets as 5% commission is taken on winnings. Bets on a tie usually pays 8 to 1 and in the case of a tie, you get back your stake on both Player and Banker bets.

This entry was posted in Money. Bookmark the permalink.

Comments are closed.