Description and Objective

In Baccarat, cards are dealt to two hands, named Player and Banker. The object of the game is to correctly pick which hand will have the higher score, with the highest score in Baccarat being 9 and the lowest being 0.
You can also place a bet on Tie, which pays 9 to 1.

Baccarat Rules

Baccarat is played with six decks; cards are reshuffled after each hand.

  • You can choose whether you want to bet on the Dealer, Player, Tie or any combination of the three.
  • The Player always goes first.
  • The Player hand draws another card if its total is 0-5, otherwise it does not draw another card. Play now proceeds to the banker.
  • If the Banker hand totals 7, 8 or 9, the Banker does not get another card.
  • If the Banker's first two cards total 0, 1 or 2, then the Banker draws one card, otherwise, the Banker draws cards according to this table:


The Player can win if:

  • The hand bet on has the higher total.
  • The Player bets on a Tie, and the banker and the Player totals are equal.
  • If you bet on Player and win, you win even money. A $5 bet pays back your $5, plus an additional $5.
  • If you bet on Banker and win, you win even money minus a 5% commission.* A $5 bet pays back your $5, plus an additional $4.75.
  • If you bet on Tie and win, you win 9 times your bet. A $5 bet pays back your $5, plus an additional $45.

*Note: The commission is 5% of the bet and is rounded up to the next quarter. For example, a minimum bet of $6 would be a commission of 50 cents. (5% of $6 = 30 cents, but since the commission is rounded up to the next 25 cents; the commission is actually 50 cents. 5% of $11 = 55 cents, which makes the actual commission 75 cents.)

The Player loses if:

  • The hand bet on is not the highest hand.
  • The Player bets on a Tie and the banker hand and the Players hand are not equal.
  • If the Player bets on the Banker or Player and the result is a Tie, the bet is a push.

Card Values

  • The suits of the cards have no meaning in the game.
  • Cards 2 through 9 count as face value.
  • 10, Jack, Queen, and King count as 0.
  • Ace counts as 1.
  • To calculate the score for the hand, add the values of each card and drop the ten's digit. For example:
    • A hand with a seven of hearts and a seven of spades has a score of 4:
      7 + 7 = 14 - the ten's digit = 4
    • A hand with 3 sevens has a score of 1:
      7 + 7 + 7 = 21 - the ten's digit = 1

Player Actions/Bets and Button Descriptions

Bet - Click on Player, Banker, or Tie, then click the chips in the lower right corner to add them to the betting area. Click on chips in the betting area to remove them.

Deal - Press deal to begin the game once a bet has been placed.

If you want to learn how to play baccarat online then this is place to be, with our online casino strategy guides you will be able to pick any variety of the game and play it with confidence. There are currently around 5 different versions of the game available, though more will be produced in years to come.

Some of the games are as follows:

American Baccarat (Punto Banco) this version of the game is popular in the America as well as countries such as Australia and Sweden to name a few. It is usually played as an 8 deck in a shoe and is the more common of the versions to be played.

Baccarat chemin de fer – is the French version of the game and has retained it French name. This game is hard to find especially outside of France. This game has fairly primitive rules which helps it to stand out amongst the other version whilst still maintaining its historical identity.

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