Baccarat is a sophisticated game which originated in Europe. Players can wager on the player, the banker, or a tie, while trying to obtain a total card value closest to nine. Two hands of two cards are dealt, one representing the player's hand and one representing the banker's hand. Depending on the value of the hands, a third card may be drawn for each hand. The winning hand is the one with a card total closest to nine.
Baccarat uses a four deck shoe.
No hand receives more than three cards.
Tens and face cards are worth zero, aces are worth one and all other cards are worth their face value. If the value of a hand exceeds nine, then the value is adjusted by subtracting 10 from the total. No hand receives more than three cards.
If either the player or the banker has a total of an 8 or a 9 on the first two cards they both stand. This rule overrides all other rules.
If the player's total is 5 or less then the player hits, otherwise the player stands.
When the player and banker hands are equal then the hand is declared a tie.
After the first two cards are dealt to both the player and banker, a third card may be dealt, subject to the Third Card Rule. The player's hand is always played first followed by the banker's hand. If the player stands, then the banker hits on a total of 5 or less. If the player does hit then use the chart below to determine if the banker hits (H) or stands (S).
- Player and win, you get paid 1:1
- Banker and win, you get paid 1:1 (less 5% house commission)
- Tie and win, you get paid 8:1 (if the tie wager mentioned above is part of a combination bet; for example, a tie wager plus a player hand wager, and the outcome is a tie, then the player hand wager becomes a push and the payout results from the tie wager alone).