Baccarat Rules

Baccarat is one of the easiest casino games to learn. In fact, once you place your bet, the game will follow a rigorous procedure and go its way more or less automatically so you can enjoy a drink while everything unfolds.

But how fun is it to play a game where you do not understand what is happening in front of your eyes? Before you start playing, you should quickly read through this article to understand why you have won or lost your bets – it will undoubtedly make the game more exciting.

 CasinoSites Guide to Baccarat Rules
1. Learn how to play the extremely popular casino game
2. We explain the different card values ​​and hands you can play in baccarat.
3. There are many different game options in baccarat, let’s explain them to you!

How to play baccarat

Baccarat is played at a table for 14 players. Where a player should place the bet is marked on the table from player 1-15 where number 13 is skipped for superstitious reasons. The table is marked with three boxes in front of each player number: one box for betting on the player, one box for betting on the banker, and one box for betting on the tie. Players place their bet in one of the three boxes. The cards are dealt in the large player and banker boxes located in the middle of the table. Baccarat is played with six, eight or nine decks depending on the casino, which is re-shuffled for each new hand. The mini-baccarat table is half the size of a normal table, with room for only seven players.

The purpose of baccarat is to get as close to a total of 9 points as possible. There are not many decisions you need to make through the game, as the rules of the game are predetermined. All you have to do is choose who you want to bet on; the player (punto), the banker (banco) or a less common draw between these two. The baccarat banker does not refer to the house, but is just one of the two parties you can bet on, marked on the table. Once the bet is placed, the dealer will draw the cards and you have no more decisions to make.

Card and hand values ​​in baccarat

Card values

In online baccarat, when you receive your cards, add the card values ​​to get a total of zero to nine, where nine is best and zero is worst. This will be done automatically for you in an online casino.

  • Ess such som 1
  • King, Lady, Jack and 10 are worth 10.
  • 2-9 counts deserve the fisherman.

As you can see, the cards you put up can exceed 10. Say, for example, you have a king or five, who turns 15. When this happens, ten is deducted from your total hand value. A hand with a king and five is therefore counted as five. The easiest way to remember this is to simply remove the first number while the remaining number remains the total of the points you have. If you have a total of 12, you will have 2 points, if you have a total of 13, you will have 3 points, and so on.

Game progress:

1) You place your chips either on the player, the banker, or on a draw in the relevant bet box on the table in front of you. No cards are dealt until all bets are placed.

2) In the first round, the player will receive two cards face up in the player box, and then the banker will receive two cards face up in the banker box on the table from a virtual dealer. In a live casino, the dealer (also known as ‘croupier’) will hand out and call out the total score, as well as how the game will proceed.

3) If either the banker or player has an 8 or 9 called a natural hand, the one closest to 9 will win, the game is over and you will receive money for the wagers you have won.

4) If both the player and the banker have the same score, the bets win on a draw.

5) If no one has a ‘natural’ or no draw, the value of the player’s hand determines what happens then:

  • If the player has 7 or 6, he stands.
  • If the player has 5 to 0, he gets another card added to the total hand value, which ends the player’s hand.

Player’s table of three card rule

Total of player’s 2 cardsPlayer action:
0-5Draws a third card 
6-7Stands
8-9Standing on a ‘natural’ hand is over 

Three card arrangement for negotiating

This is where things get a little complicated. But hold on – once you start playing, it will be clear to you. These rules are predetermined, but they will help you understand why you lost or won a bet. Whether the dealer draws a third card or not is determined by the following rules, depending on which two cards the banker has received:

  • If the dealer has 7, 8 or 9, he stands
  • If the dealer has 6 – and the player’s third card was 6-7 – he draws a new card
  • If the dealer has 5 – and the player’s third card was 4-7 – he draws a new card
  • If the dealer has 4 – and the player’s third card was 2-7 – he draws a new card
  • If the dealer has 3 – and the player’s third card was all but 8 – he draws a new card
  • If the dealer has 0-2, he draws a new card

Dealer summary table of the wooden card rule

Banker’s pointsPlayer’s third card           
 N0123456789
9SSSSSSSSSSS
8SSSSSSSSSSS
7SSSSSSSSSSS
6SSSSSSSDDSS
5DSSSSDDDDSS
4DSSDDDDDDSS
3DDDDDDDDDSD
2DDDDDDDDDDD
1DDDDDDDDDDD
0DDDDDDDDDDD

N = Player does not draw card, D = Player draw card, S = Player stands. A third card is not drawn

Now your hands are over and you can see who won. Whoever comes close to nine wins the hand, and if there is a draw between the player and the banker, no one wins. But who actually won the bets? Well, it depends on what you put your money on.

Baccarat bet options

Unlike blackjack and similar games, you do not play “against” the dealer. Instead, you bet either the banker or the player wins (or the draw).

Bet on Player: The first bet type you can place is that the player will end up with the best hand close to nine. This type of bet is sometimes referred to as ‘Punto bet’. Player bets pay out 1: 1 on your money, which means the house advantage is 1.36%.

Banker commitment: As we mentioned, you can also bet on the banker. This is the most favorable bet, with a house advantage of just 1.17%. Since banker wager wins more often than player wager, the house pays 19:20 on your winnings. In other words, the casino will deduct an integrated fee of 5% which will only be deducted if you win the bet. This is because the average banker will win about 3-4 times more often than the player when playing with 8 decks.

Betting Bet: You can also place your bet on the outcome being that the player and the banker end up with the same total. This will pay out 8: 1 on your money as a draw is very rare, which makes this bet quite tempting for those who want to get big payouts. But in fact, this is a trick you should avoid, since the house advantage is 14.2%!

How to play baccarat in a live casino

Casino land based

If you go to the casino to play baccarat, you need to be aware of a certain etiquette and certain regulations. In the biggest casinos, millions of dollars will be exchanged at this table in a few hours within a few hours. Because of this, there are certain levels of security for these relatively wealthy players and somewhat different baccarat rules at the table. As one can only expect, the minimum bets are much, much higher here and the dress code is quite expensive and glamorous.

At the table there are three casino employees who oversee the game; two dealers and a ‘callman’. Nevertheless, the cards are actually handed out by the bettor who holds the shoe with the cards, and they are turned around with the picture side by the dealer called callman alone. The shoe is passed around from player to player for each new round of play. The two dealers sit on each side of the callman dealership and are responsible for managing the bets.

At lower baccarat tables in smaller casinos, or in larger casinos on tables outside the exclusive zone, much lower minimum bets are allowed. Mini-baccarat is played more often, especially because it is more relaxed and allows low minimum bets. There is also only one casino employee at the table, the dealer, who does all the work including handing out the cards, calling out points and managing the wagers.

Start playing online baccarat today!

Although baccarat is easy to play – you are done as soon as you place your bet – it is good to have an understanding of the rules, basic baccarat strategy, and most common baccarat concepts. 

If you can do this, you are able to keep up with what’s going on and you can make sure that you are not fooled when the dealer takes the commission from a winning bet on the banker. Playing online removes the barriers found in a live casino – there are much lower minimum stakes, and you don’t have to buy an outfit from Armani or Vera Wang to join the game.

Choose from one of the best online baccarat casinos in our leaderboard and start playing!