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How to Play Baccarat

In Baccarat, you wager whether the "player" or the "banker" will get the closest point value to 9. You can also wager whether the "player" or "banker" will tie. So there are three basic bets on the Baccarat table, "player win", "banker win" or "tie" bets.

The "Player" in baccarat is more ceremonial and the real player does not really have anything to do with it. The dealer will draw cards according to the rules for both the "player" and the "dealer".

Cards deuce to nine are face value. Tens, Jacks, Kings and Queens have a zero point value. The Ace carries a single point.

If the cards in a hand total more than ten points, simply subtract ten; the remainder is the baccarat point value of the hand. For example: 7+Jack=17, which counts as a 7 in baccarat; and a Ace+8=9, which counts as 9.

 

 
 

Third Card Rules

The following baccarat rule chart governs when the player and/or the banker will automatically draw a third card in the baccarat game: If the point value of the first two cards is 8 or 9, this is called a Natural. If anyone is dealt a Natural the game ends and no third card is dealt to anyone.

Player:

Point value of the first two cards, and actions required:

Point Value of First Two Cards:
0-1-2-3-4-5 Draws a third card
6-7 Stands
8-9 "Natural hand", no further draw

Banker:

If Player Draws?
Point Value of First Two Cards: Draws when the player's third card is: Does not draw when the player's third card is:
0-1-2 Always draws a card -
3 0-1-2-3-4-5-6-7-8-9 8
4 2-3-4-5-6-7 0-1-8-9
5 4-5-6-7 0-1-2-3-8-9
6 6-7 0-1-2-3-4-5-8-9
7 Always stands -
8-9 Player cannot draw Player cannot draw

If Player Does Not Draw?
Banker's Hand Banker Action
0-5 Draw a card
6-7 Stand

Payouts

Winning Wager Odds Payout
Banker (pay 2.75% - 5% commission, depending on house rules) 1 - 1
Player 1 - 1
Tie* 8 - 1

*If the hand results in a tie, then banker and player bets are returned.

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