How to Play Baccarat

Baccarat is a simple game with just three betting options: you can bet on the Player's hand, the Banker's hand, or on the tie. The winning hand is whoever holds the hand with the total closest to 9.

A bet on the Player's hand pays 1 to . A bet on the Banker's hand pays 1 to 1 and an additional 5% commission goes to the house. A bet on the tie pays 9 to 1. After the initial bet, no more bets are placed.

The value of cards are:

  • 10s and picture cards equal 0
  • Aces equal 1
  • Cards 2 to 9 are face value.

If a hand has a total of more than 9, the first digit is ignored. A hand with a 7 and 9 is therefore worth 6, because the first digit from the total of 16 is ignored.

After all bets have been placed, the Banker deals a two cards, face up hand to every Player and the Banker. If a tie occurs, all tie bets are paid and the hand is over. If anyone receives two cards totalling 9, it is considered a "natural" and the holder automatically wins. If no one is holding a natural 9, a hand with an 8 becomes a natural winner. If any player receives a 9 or an 8 off the bat they automatically win unless the Banker holds a 9 and the player holds an 8.

If no one holds an 8 or 9 after the first two cards have been dealt, and there are no ties, a third card may be dealt depending on the total.

If more cards are dealt after the first two, the Player's hand will be dealt first if he is holding a total of 0-5. After the Player is finished, the Banker has some options depending on the Players hand. If the player didn't draw a third card, the banker is only dealt another card to a hand of 0-4. If the player did draw a third card, the banker has an option.

Top Tip for Baccarat: Don't bet on the tie unless you're feeling lucky. It has a nice 9:1 payout but it also has a high house advantage, which means your odds of winning are lower.

Be Gamble Aware