Rules & Strategies - Baccarat

Note: rules vary from casino to casino. Check with your casino for their rules.

The object of Baccarat is to predict which hand will get a Point value closest to 9, keeping in mind that all face cards and ten-value cards count as zero, aces count as one, while all other cards keep their values.

To play, place your bet on the banker's hand, on the player's hand, or on a tie (or any combination of the three or all three possibilities). After the bet, click Deal, the player and the banker are then dealt a two-card hand each. A third card may be dealt to the player and/or the banker. Your goal is to predict which hand (banker's or player's) will come closest to a Point value of 9, the hand that comes closest to 9 wins. You may also choose to place your bet on a tie, when both hands have equal Point values. If the hand results in a tie, the bet is returned. All winning bets for the banker or the player pay even money. However, if you win by betting on the banker, the bank receives 5% commission. If you correctly bet on a tie, your payoff is 8-to -1.

Ace = one point
Face cards and tens = zero points
All other cards carry the point value shown on the card.

If the cards in a hand total more than ten points, subtract ten; the remainder is the point value of the hand. For example: 8+8=16, which counts as 6; and 8+9=17, which counts as 7.

The following chart displays scenarios where the player and/or the banker will automatically be dealt a third card:

Total value of Player's 1st two cards:	Action
0, 1, 2, 3, 4, or 5	Player draws a card
6 or 7	Player stands
8 or 9	Player stands and Banker cannot draw

Banker
Total value of Banker's 1st 2-cards	Draws when Player's 3rd card is:	Stands when Player's 3rd card is:
0-1-2	Banker always draws a card	-
3	0, 1, 2, 3, 4, 5, 6, 7, or 9	8
4	2, 3, 4, 5, 6, or 7	0, 1, 8, 9
5	4, 5, 6, or 7	0, 1, 2, 3, 8, or 9
6	6 or 7	0, 1, 2, 3, 4, 5, 8, or 9
7	Banker always stands	-
8 or 9	Player cannot draw	Player cannot draw

Betting

Left-click on the value of the chip you wish to bet. You may bet on Player, Bank, or Tie (or any combination of the three, or even all three). To place a bet, left-click the area on the table where you wish to place your chip. If you want to change your bet before the cards are dealt, right-click on the chip to remove it. After placing your bet, click on Deal to begin playing.

The minimum betting limit in Baccarat is $10, while the maximum is $500. The maximum total bet per game is $500 (the total of all of your wagers cannot exceed $500 per hand).

Winning Wager	Pays
Player	1 to 1
Banker	1 to 1 (less 5% commission)
Tie	8 to 1