WHAT IS BACCARAT

  • Baccarat shall be played with six to eight decks of cards that are identical in appearance and two cover cards. The decks of cards opened for use at a Baccarat table shall be changed after the play of each dealing shoe.
  • Banker vs. Player: Regardless of how many people are playing, only two hands are dealt. One is designated the banker hand, the other is the player hand. Any customer may bet on either hand, with the exception that the customer holding the shoe in the full-scale game must either bet banker or pass the shoe. Do not think of the bank hand as belonging to the house or the player hand belonging to the bettor. To avoid confusion, we’ll refer to baccarat “bettors” or “customers” rather than “players.”
  • It Began in Italy. The origins are still debated today, but most believe the game of baccarat was created in Italy in the 1400s by a man named Felix Falguiere or Falguiere in. He called the game “baccara,” Italian for “zero,” because all the tens and face cards were worth zero.
  • In baccarat, cards have a point value: the 2 through 9 cards in each suit are worth face value (in points); the 10, jack, queen, and king have no point value (i.e. are worth zero); aces are worth 1 point; jokers are not used. Hands are valued according to units digit of the sum of their constituent cards. For example, a hand consisting of 2 and 3 is worth 5, but a hand consisting of 6 and 7 is worth 3 (i.e., the 3 being the units digit in the combined points total of 13).The highest possible hand value in baccarat is therefore nine.

How to play Baccarat?

Baccarat is an exciting game, full of suspense and intrigue! Baccarat is both simple to learn and play. A game of baccarat has three possible outcomes: Player win, Banker win, and tie. Note that “Banker” does not refer to the house. Participants in the game have the option to bet on either the player or bankers hand.

1. Know that you can bet on either of two hands. One is the Banker’s hand, the other is the Player’s hand. A player may bet on either hand. Bets must be placed on either the Player or Banker before cards are dealt.
2. Know how cards are dealt. Two cards are dealt to both the Player and the Banker. A player or casino operator holding the shoe slides one card out and places it face up in the Player’s box on the felt table. The next card, the first of the Banker hand, is placed in the Banker’s box on the table. The house then deals another Player card, then the second Banker card. The dealer’s first round consists of two cards for both the Player and Banker.
3. Announce the point total of both of sets of cards. Tens and face cards all are worth zero points; all other cards are worth their face value, with the ace worth one point. If a total is more than 10, the second digit is the value of the hand. For example, a 9 and a 6, which total 15, make up a five-point hand. In order to win your bet must be on the hand that totals closer to nine.
4. Understand the “natural” win. If in the first two cards dealt, the point total is 8 or 9 for either the Player or the Banker, this is called a natural win and the game is over. Bets that have already been placed are cashed out.
5. Determine whether the player gets a third card by looking at the point totals. The Player hand is completed first. A total of 8 or 9 for the Player will get no additional cards. The Player stands on totals of 6 or 7. On any other total, 0-5, the Player draws a third card, unless the banker has 8 or 9, in which case the bank hand wins with no further draw.
6. Know the rules governing the third card for the Banker. If the Player stands pat (or draws no new cards), the Banker draws with a hand total of 0-5 and stays pat with a hand total of 6 or 7. All other hands are dependent on the third card the Player draws:
  • If the Player’s third card is 9, 10, face-card or Ace, the Banker draws when he has a 0-3, and stays with a 4-7.
  • If the Player’s third card is 8, the Banker draws when he has a 0-2, and stays with a 3-7.
  • If the Player’s third card is 6 or 7, the Banker draws when he has a 0-6, and stays with a 7.
  • If the Player’s third card is 4 or 5, the Banker draws when he has a 0-5, and stays with a 6-7.
  • If the Player’s third card is 2 or 3, the Banker draws when he has a 0-4, and stays with a 5-7.
7. Once all cards are dealt, calculate the winning hand. The winning hand is that which totals closer to 9. In the event of a tie, neither hand wins or loses. Sometimes a commission is paid out of winnings when betting on the Banker’s hand.

Player

If you bet on your hand winning and win, you will receive a payout of 1:1. The house has a 1.24% edge over the player.

Banker

If you bet on the Banker’s hand wining and win, you will receive a payout of 1:1. You will, however, have to pay the house a 5% commission on your winnings from the Banker’s hands. The house has a 1.06% edge over the player.

Baccarat Game Rules

Baccarat Rules A game of baccarat can have several bettors, but the gameplay boils down to one player and the dealer. The player and the dealer each receives a hand containing two cards, and the objective in baccarat is to have the hand closest to nine. To win real money in online baccarat though, participants must bet on one of three possible outcomes: the player winning, the dealer winning, or a tie. The dealer does most of the work in the game, leaving players to focus on their baccarat strategy.

Tie

If you bet on a tie and win, you will receive a payout of 8:1 (sometimes 9:1) The house, however, has a 14.36% edge over the player.

When bets are made, the dealer will draw 2 or 3 cards for the player’s and Banker’s hand. The closest hand to 9 wins.

If a hand exceeds 10, 10 is then subtracted from the hand. For example, a hand of 8 and 5 is 3 (13-10). Neither the Dealer nor the player decide if a third card is drawn. Instead, the rules of Baccarat determine this, as illustrated by the chart below.

Baccarat Card Values

Since you already know the maximum value a baccarat hand can have is nine, you’re probably wondering what to do with those ten, ace, and face cards. Unlike other casino card games, in baccarat face cards have little-to-no value. An ace is worth one point, and 10, jack, queen, and king cards are worth zero. All other cards are worth their face value.

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