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How To Play Baccarat


How To Play Baccarat

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How To Play Baccarat

How To Play Baccarat

Baccarat: A Guide to the Classic Casino Game

Baccarat, a captivating game of chance originating in Italy during the 15th century, has stood the test of time, gracing the floors of casinos worldwide. It has consistently enthralled players with its straightforward gameplay, elegant ambiance, and potential for thrilling wins.

Objective of the Game

The goal of baccarat is to bet on the outcome of a hand that will be dealt between two parties: the "player" and the "banker." The objective is to correctly predict which party will have the hand with the highest total value, or a score closest to nine.


Baccarat is played with a standard deck of 52 cards. The game commences with each party being dealt two cards face up. The value of each card is as follows:

  • Number cards (2 to 9): Face value
  • Ace: 1 point
  • Face cards (Jack, Queen, King): 0 points

Determining the Winner

After the cards have been dealt, the total value of each hand is calculated. However, baccarat employs a unique scoring system: only the rightmost digit of the total is considered. For instance, if the player’s hand totals 15, the score for betting purposes is 5.

The party with the higher score wins the hand. If both parties have the same score, the hand is declared a "tie."

Additional Rules

Depending on the outcome of the first two cards, additional cards may be drawn according to the following rules:

  • Natural: If either the player or the banker has a total of 8 or 9 with the initial two cards, the hand is immediately deemed a winner.
  • Third Card Rule for Player: If the player has a total of 0 to 5, they must draw a third card. If they have a total of 6 or 7, they must stand.
  • Third Card Rule for Banker: The banker’s third card draw depends on the player’s draw and their own total:
    • If the player stands, the banker draws a third card with a total of 0 to 2.
    • If the player draws a third card, the banker draws if their total is 0 to 4.
    • If the player draws a third card and their total is 5, the banker draws if their total is 0 to 5.
    • If the player draws a third card and their total is 6, the banker draws if their total is 0 to 6.
    • If the player draws a third card and their total is 7, the banker always stands.

Betting Options

In baccarat, there are three main betting options:

  • Banker: Betting that the banker will win the hand.
  • Player: Betting that the player will win the hand.
  • Tie: Betting that the hand will result in a tie.


The payouts for each bet are as follows:

  • Banker: Even money (1:1) minus a 5% commission on wins
  • Player: Even money (1:1)
  • Tie: Typically pays 8:1 or 9:1


While baccarat is primarily a game of chance, there are some strategic considerations players can make:

  • Banker Bet: Statistically, the banker bet has a slightly higher winning percentage (45.86%) compared to the player bet (44.62%).
  • Commission on Banker Bets: It’s important to remember the 5% commission on banker bet wins.
  • Low House Edge on Tie Bets: Tie bets have a high payout but a very low probability of winning.


Baccarat is known for its sophisticated and respectful atmosphere. Some basic etiquette guidelines include:

  • Remain quiet: Do not talk while others are playing.
  • Be respectful of dealers: Address dealers by their name and treat them with courtesy.
  • Handle cards with care: Keep your hands off the cards unless it’s your turn to draw.
  • Know when to tip: Tipping dealers is customary, especially if you win.


Q: What is the best bet in baccarat?
A: Statistically, the banker bet has a slightly higher winning percentage.

Q: Is it always bad to bet on a tie?
A: Yes, the tie bet has a very low probability of winning and a high payout, making it an unfavorable bet for the player.

Q: Can players draw as many cards as they want?
A: No, the number of cards drawn is dictated by the third card rule.

Q: Can the same hand win twice in a row?
A: Yes, but it is not common.

Q: What is the house edge in baccarat?
A: The house edge for the banker bet is 1.06%, for the player bet it is 1.24%, and for the tie bet it varies depending on the casino.


Baccarat, with its simplicity, intrigue, and potential for lucrative payouts, continues to captivate players worldwide. By understanding the rules, betting options, and strategic considerations, you can navigate the game with confidence and potentially experience the excitement and thrill of walking away with a win.