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Baccarat Rules

Baccarat has only three possible results for betting, Player, Banker, and Tie. Player does not actually refer to the person at the table just as Banker does not refer to the house. These are just terms used to describe the options on which a player can bet.

In Baccarat, the cards 2-9 are worth their face value while 10s and face cards are worth zero. Aces are worth a single point. Scores are calculated by adding up the sum of the cards and ignoring the first digit if the total is 10 or higher. This means that the highest score attainable is a 9.

If either the player or the banker gets an 8 or 9 with the first two cards then the hand is over, this is referred to as a 'natural'. For the player, if the initial total is 6 or 7, he stands, if the total is 0-5 then the player draws a single card. The banker has more options available because the player always acts first. The banker's options are as follows:

  • If the Player did not draw a card, the Banker draws if he has 0-5, and stands if he has 6-7.
  • If the Player drew a 2 or 3, the Banker draws if he has 0-4, and stands if he has 5-7.
  • If the Player drew a 4 or 5, the Banker draws if he has 0-5, and stands if he has 6-7.
  • If the Player drew a 6 or 7, the Banker draws if he has 0-6, and stands if he has 7.
  • If the Player drew an 8, the Banker draws if he has 0-2, and stands if he has 3-7.
  • If the Player drew an ace, 9, 10, or face-card, the Banker draws if he has 0-3, and stands if he has 4-7.

Once the Banker and Player are both done drawing cards, the higher scoring hand is proclaimed the winner. Ties pay off at 8-1 odds. If a bet wins on Player then the player is paid 1-1, Banker wins are paid 95%.

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