Baccarat has come out of the ritzy, high-roller tables and into the casino proper. You can play for very reasonable sums on online casino and if you go to land-based casino there are usually a few mini-baccarat tables from which to choose. To win Baccarat, start by betting on 1 of the 2 face-down hands that are dealt, either the player hand or the dealer hand. Then, if the hand you bet on ends up being closer to 9 than the other hand, you win! In Baccarat, face cards are worth 10, aces are worth 1, and the rest of the cards are worth their face value. How to Play Baccarat - Steps Know that you can bet on either of two hands. Know how cards are dealt. Announce the point total of both of sets of cards. Understand the 'natural' win. Determine whether the player gets a third card by looking at the point totals. Know the rules governing the third. Learn to Play Baccarat. Baccarat is played with a six-deck or eight-deck shoe. The casino will determine whether the players will deal or a dealer will handle the cards. Online Baccarat features a virtual dealer, so that the cards are dealt automatically. Face cards, as well. Live Dealer Baccarat. Live Dealer Baccarat allows you to gamble at a table full of players, just like at a brick-and-mortar casino. It gives players a chance to bet at an online casino, from anywhere in the world and get a real life gambling experience. Baccarat Guide. Baccarat is a casino game that offers players the lowest house advantage compared to all other games in the casino. This is why Baccarat is a favorite game for wise gamblers and high rollers. Its also a very simple game to learn. Our website is a Baccarat casino guide to the game with rules, tips and a betting strategies.
Baccarat is not an exceedingly complex game, but it does have certain idiosyncrasies that take some getting used to. For instance, the banker hand and the player hand:
Banker vs. Player
Regardless of how many people are playing, only two hands are dealt. One is designated the banker hand, the other is the player hand. Any customer may bet on either hand, with the exception that the customer holding the shoe in the full-scale game must either bet banker or pass the shoe. Do not think of the bank hand as belonging to the house or the player hand belonging to the bettor. To avoid confusion, we'll refer to baccarat 'bettors' or 'customers' rather than 'players.'
The Play
In full-scale baccarat, the bettor holding the shoe slides one card out and passes it facedown to the stand-up dealer, who passes it to the customer with the largest player bet. The next card, the first of the banker hand, is placed next to the shoe. The bettor then deals another player card, then the second banker card. The dealer calls for the player hand, and the customer with the largest player bet first looks at the cards, then gives them to the dealer. The dealer turns the cards faceup and announces the point total. Then the dealer calls for the banker hand, and the shoe holder looks at the cards and gives them to the dealer. If the player total requires a draw, the dealer will say, 'Card for the player,' and the shoe holder will pass a card to the dealer, who will pass it to the player-bettor, who looks at it and passes it back to the dealer, who turns it faceup. Finally, if the banker requires a card, the dealer will call, 'Card for the bank,' and repeat the process with the shoe holder.
The casino is more than willing to offer the time-consuming ceremony to its largest bettors. In mini-baccarat, however, the dealer plays out both hands, with no fuss and in half the time.
The object is to bet on the two- or three-card hand that totals closer to nine. Tens and face cards all are worth zero points; all other cards are worth their face value, with the ace worth one point. If a total is more than 10, the second digit is the value of the hand. For example, a 9 and a 6, which total 15, make up a five-point hand.
Initially, two cards are dealt for each hand. The point totals determine whether either hand gets a third card. The player hand is completed first. A total of 8 or 9 is called a 'natural,' and the player hand gets no more cards. In fact, unless the banker has a natural 9 or ties the natural 8, no further cards are drawn, and the naturals are automatic winners. Player also stands on totals of 6 or 7. On any other total, zero through 5, player draws a third card, unless banker has a natural, in which case the bank hand wins with no further draw.
Banker rules are a bit more complex. Banker also stands on 7, 8, or 9 and draws on 0, 1, or 2, but on other hands the banker's play is dependent on the value of the player's third card. Banker hits 3 unless the player's third card is an 8; hits 4 unless the player's third card is 1, 8, 9, or 10; hits 5 only if the player's third card is 4, 5, 6, or 7; and hits 6 only if the player's third card is 6 or 7.
Player Hand: When first two cards total:
Banker Hand
There are a few exceptions. A natural, as noted above, stops play with no further draws. And if the player has one of its other two standing hands, 6 or 7, bank stands on 6 as well as 7, 8, and 9.
And that's it. Neither hand ever gets more than three cards. After the hands have been played out, the hand totaling closer to 9 wins. Winning bets are paid off at even money. Ties push -- neither hand wins nor loses.
Bets on Ties
Bettors also may wager that the two hands will finish with an equal number of points. Winning bets on ties pay off at 8-1. That sounds tempting, but this wager carries a hefty 9.5 percent house edge. Avoid it.
Etiquette
As in other table games, buy chips by placing cash on the layout and asking the dealer for change. The dealer is not allowed to take money directly from players' hands.
If you are the bettor with the largest wager on player and receive the player cards, do not look at them until both player and banker hands have been dealt. And if you hold the banker hand, do not look at the cards until the dealer has flipped the player hand faceup.
Baccarat players are allowed to keep track of the results of each hand, and most casinos provide score sheets and pencils to do so. Most players simply put an X in a column beneath 'Banker,' 'Player,' or 'Tie.'
Strategy
This is a pure guessing game. Which hand will win? The banker hand will win slightly more often -- 50.68 percent of all decisions, not including ties -- giving the house its 1.36 percent edge on player bets. But the house collects a 5 percent commission on winning banker bets, leading to the 1.17 percent house edge on banker.
Mathematicians long have suspected that baccarat, like blackjack, might be vulnerable to a card-counting system. But the best system yet developed appears to yield a slight edge to the bettor on the average of about one hand per eight-deck shoe. That's an edge not worth pursuing -- to have the advantage, the customer would have to count down hand after hand after hand, without playing, until this tiny advantage came to pass. The customer would lose more in time than he'd gain in the edge, and the casino would be unlikely to hold a seat for someone spending hours without placing a bet.
For the bettor, baccarat is a game of luck plus money management. Do not make bets too large for your available bankroll, and do not increase bets when losing. Making larger bets while chasing losses is a good way to go broke fast. If you're going to vary your bet size, increase it while winning and bring it down when losing. Set limits on your losses and stick to them.
If you sit down at a mini-baccarat table with $100, tell yourself you're not going to leave with less than $50. Then, if you have a cold streak and you hit that $50 mark, walk away. An important part of casino survival is developing the discipline to leave a table while you still have money.
Learn to walk away with winnings, too. If you have a good run and build that $100 up to $150, try one of these two techniques. Either put the original $100 in your pocket and just play with the $50 in winnings, while keeping that $50 loss limit, or adjust your thinking to tell yourself you'll not walk away from the table with less than $125. Then stick to it.
The longer you play a game with a negative expectation, even one as narrow as 1.17 percent, the more likely it is that the casino will grind down your bankroll. Walk away from the table with at least part of that bankroll intact -- not just at baccarat, but at any casino game -- and you'll be surprised at how much more often you wind up a winner for the day.
Baccarat is not necessarily the most popular game in a casino, but it can be just as exciting as blackjack or craps. Though the organization of the game can seem strange at first, the tips in this article should have you placing bets in no time.
Banker vs. Player
Regardless of how many people are playing, only two hands are dealt. One is designated the banker hand, the other is the player hand. Any customer may bet on either hand, with the exception that the customer holding the shoe in the full-scale game must either bet banker or pass the shoe. Do not think of the bank hand as belonging to the house or the player hand belonging to the bettor. To avoid confusion, we'll refer to baccarat 'bettors' or 'customers' rather than 'players.'
The Play
In full-scale baccarat, the bettor holding the shoe slides one card out and passes it facedown to the stand-up dealer, who passes it to the customer with the largest player bet. The next card, the first of the banker hand, is placed next to the shoe. The bettor then deals another player card, then the second banker card. The dealer calls for the player hand, and the customer with the largest player bet first looks at the cards, then gives them to the dealer. The dealer turns the cards faceup and announces the point total. Then the dealer calls for the banker hand, and the shoe holder looks at the cards and gives them to the dealer. If the player total requires a draw, the dealer will say, 'Card for the player,' and the shoe holder will pass a card to the dealer, who will pass it to the player-bettor, who looks at it and passes it back to the dealer, who turns it faceup. Finally, if the banker requires a card, the dealer will call, 'Card for the bank,' and repeat the process with the shoe holder.
The casino is more than willing to offer the time-consuming ceremony to its largest bettors. In mini-baccarat, however, the dealer plays out both hands, with no fuss and in half the time.
The object is to bet on the two- or three-card hand that totals closer to nine. Tens and face cards all are worth zero points; all other cards are worth their face value, with the ace worth one point. If a total is more than 10, the second digit is the value of the hand. For example, a 9 and a 6, which total 15, make up a five-point hand.
Initially, two cards are dealt for each hand. The point totals determine whether either hand gets a third card. The player hand is completed first. A total of 8 or 9 is called a 'natural,' and the player hand gets no more cards. In fact, unless the banker has a natural 9 or ties the natural 8, no further cards are drawn, and the naturals are automatic winners. Player also stands on totals of 6 or 7. On any other total, zero through 5, player draws a third card, unless banker has a natural, in which case the bank hand wins with no further draw.
Banker rules are a bit more complex. Banker also stands on 7, 8, or 9 and draws on 0, 1, or 2, but on other hands the banker's play is dependent on the value of the player's third card. Banker hits 3 unless the player's third card is an 8; hits 4 unless the player's third card is 1, 8, 9, or 10; hits 5 only if the player's third card is 4, 5, 6, or 7; and hits 6 only if the player's third card is 6 or 7.
Player Hand: When first two cards total:
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1-2-3-4-5-10 | Draaws a card |
6-7 |
Stands |
8-9 |
Natural -- Stands |
Banker Hand
How to Play Baccarat If you are new to the game of baccarat and want to learn the rules, then you have found the right page. Baccarat is one of the easiest table games to play and with the right guidance and resources, you can easily master the game and start winning on the table.
First two cards total: |
Draws when player's third card is: |
Stands when player's third card is: |
3 | 1-2-3-4-5-6-7-9-10 | 8 |
4 | 2-3-4-5-6-7 | 1-8-9-10 |
5 | 4-5-6-7 | 1-2-3-8-9-10 |
6 | 6-7 | 1-2-3-4-5-8-9-10 |
7 | Stands | |
8-0 | Natural -- Stands |
|
0-1-2 | Always draws |
There are a few exceptions. A natural, as noted above, stops play with no further draws. And if the player has one of its other two standing hands, 6 or 7, bank stands on 6 as well as 7, 8, and 9.
And that's it. Neither hand ever gets more than three cards. After the hands have been played out, the hand totaling closer to 9 wins. Winning bets are paid off at even money. Ties push -- neither hand wins nor loses.
Bets on Ties
Bettors also may wager that the two hands will finish with an equal number of points. Winning bets on ties pay off at 8-1. That sounds tempting, but this wager carries a hefty 9.5 percent house edge. Avoid it.
Etiquette
As in other table games, buy chips by placing cash on the layout and asking the dealer for change. The dealer is not allowed to take money directly from players' hands.
If you are the bettor with the largest wager on player and receive the player cards, do not look at them until both player and banker hands have been dealt. And if you hold the banker hand, do not look at the cards until the dealer has flipped the player hand faceup.
Baccarat players are allowed to keep track of the results of each hand, and most casinos provide score sheets and pencils to do so. Most players simply put an X in a column beneath 'Banker,' 'Player,' or 'Tie.'
Strategy
This is a pure guessing game. Which hand will win? The banker hand will win slightly more often -- 50.68 percent of all decisions, not including ties -- giving the house its 1.36 percent edge on player bets. But the house collects a 5 percent commission on winning banker bets, leading to the 1.17 percent house edge on banker.
Mathematicians long have suspected that baccarat, like blackjack, might be vulnerable to a card-counting system. But the best system yet developed appears to yield a slight edge to the bettor on the average of about one hand per eight-deck shoe. That's an edge not worth pursuing -- to have the advantage, the customer would have to count down hand after hand after hand, without playing, until this tiny advantage came to pass. The customer would lose more in time than he'd gain in the edge, and the casino would be unlikely to hold a seat for someone spending hours without placing a bet.
For the bettor, baccarat is a game of luck plus money management. Do not make bets too large for your available bankroll, and do not increase bets when losing. Making larger bets while chasing losses is a good way to go broke fast. If you're going to vary your bet size, increase it while winning and bring it down when losing. Set limits on your losses and stick to them.
If you sit down at a mini-baccarat table with $100, tell yourself you're not going to leave with less than $50. Then, if you have a cold streak and you hit that $50 mark, walk away. An important part of casino survival is developing the discipline to leave a table while you still have money.
Learn to walk away with winnings, too. If you have a good run and build that $100 up to $150, try one of these two techniques. Either put the original $100 in your pocket and just play with the $50 in winnings, while keeping that $50 loss limit, or adjust your thinking to tell yourself you'll not walk away from the table with less than $125. Then stick to it.
The longer you play a game with a negative expectation, even one as narrow as 1.17 percent, the more likely it is that the casino will grind down your bankroll. Walk away from the table with at least part of that bankroll intact -- not just at baccarat, but at any casino game -- and you'll be surprised at how much more often you wind up a winner for the day.
Baccarat is not necessarily the most popular game in a casino, but it can be just as exciting as blackjack or craps. Though the organization of the game can seem strange at first, the tips in this article should have you placing bets in no time.
If you have always wanted to know how to play Baccarat and win, this is the article you need to read.
Not only you are going to learn all the basics of one of the most exciting games you can find at online Casinos, but you will also understand how to play and win your bets even before the dealer starts dealing the cards.
Baccarat is one of the simplest Casino games you can play.
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You don’t need to learn super complicated winning strategies before you can afford to come close to the Baccarat tables. With the help of this guide and my actionable tips, you will be able to start playing in less than 15 minutes.
And if you decide to play for real money, make sure to read this article until the very end - because I have a surprise for you that is going to make your next game of online Baccarat a very lucrative one.
So let’s begin.
In this article
Baccarat Rules: How Do You Play Baccarat?
You don’t need to be James Bond to sit at the Baccarat table before the cards are dealt.
In fact, it’s so easy to learn how to play the game of Baccarat that I could bet you will advance from a beginner to a real pro by the end of this article.
Wanna bet?
Think about your answer because - betting is pretty much the only thing you can do in the game of Baccarat.
That’s right:
You sit down, count how many chips you want to invest in the game, and decide where to place them.
The goal of the game is to bet on the winning side. The three bets in Baccarat are the Banker’s bet, the Player’s Bet, and the Tie bet.
In a regular game of Baccarat, the dealer uses six to eight decks of cards. The game begins with two hands being dealt on the table:
- The Banker’s Hand
- The Player’s Hand
You are not limited to playing the Player’s hand and you don’t always win when the Player wins.
Since I know this might complicate things a little, I suggest you look at the two hands in Baccarat as:
- The Banker’s Hand (or) Hand A
- The Player’s Hand (or) Hand B
Once the dealer places two cards on each part of the table, it’s time to calculate the points and determine the value of each hand.
Note that the Tens and the face cards are all counted as zero points. The other cards are worth their face value and, not to create any misunderstandings, let me clarify that the Ace is counted as one point.
Also, if the value of your hand is a two-digit number, only the second-digit is counted.
Let me give you an example*.
- The Banker receives
- The Player receives
In this hypothetical hand of Baccarat, the victory goes to the Banker because 0+7= 7 points, while the Player’s hand is of only 2 points (9+3 = 12 points, but since we only use the second-digit, it becomes of just two points)
*: this is a simplified example. As you are going to discover, things are a little more complicated. But not t-h-a-t much.
Natural Winners in Baccarat
No dear, I am not talking about you here. I am about to let you in on a very specific Baccarat rule that you need to keep in mind every time you bet on the Banker or the Player.
In case the point total of the first two cards is equal to 8 or 9, the Player who hits this score (which is referred to as a natural win) is the one who wins the hand.
When this happens, no more cards are dealt and the bets that were placed at the beginning of the action can be cashed out.
When Do You Need One More Card?
If no one hits a natural win, chances are you might need to see one more card on the table. That’s because the Player (who’s the first one to play) stands on a total of 6 or 7 but needs one more card on a 0-5 score.
And, how about the Banker?
Here’s where everything gets a little more complicated and you better continue reading if you are trying to find out how to play Baccarat online.
If the Player does not need to draw the third card, the Banker stays on a total of 6 or 7 and draws a card on a total of 0-5.
Otherwise:
- If the Player draws a 9, 10, face-card, or Ace as a third card, the Banker draws on a 0-3 score and stays on a 4-7 score
- If the Player draws an 8 as a third card, the Banker draws on a 0-2 score and stays on a 3-7 score
- If the Player draws a 6 or 7 as a third card, the Banker draws on a 0-6 score and stays on a total of 7
- If the Player draws a 4 or 5 as a third card, the Banker draws on a 0-5 score and stays on a total of 6 or 7
- If the Player draws a 2 or 3 as a third card, the Banker draws on a 0-4 score and stays on a total of 5, 6, or 7.
Once all the cards are dealt, you only need to count the points to determine the winner. The one who gets closest to nine points wins the hand.
The Tie Bet in Baccarat
In the game of Baccarat, - sometimes no one wins.
If the Player and the Banker have the same points, the game results in a Tie. In this case, the bets to the Banker and the bets to the Player are returned (no one wins, and no one loses) and only the bets on the Tie are paid.
The payout of Tie bets varies from 8:1 to 9:1.
The Best Bets in Baccarat
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Now that you know how to play Baccarat, let's focus on the how to win part.
Whether you are a high roller or not, the basic Baccarat strategy doesn’t change:
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You should always bet on the Banker.
Here’s why:
Although most Casinos apply a commission to this bet (~5 percent), this is the best bet in the game.
The secret is in the house edge.
- The house edge of the Banker’s bet is 1.06 percent
- The house edge of the Player’s bet is 1.24 percent
- The house edge of the Tie bet is…it doesn’t matter
You have so few chances to hit the Tie bet that only a crazy, degenerate gambler would pick this third option.
That’s all there is to it - really!
Sit at the table, put your money on the Banker, and wait until it’s the right time to cash out the money you have won. And don’t forget to apply all the basic bankroll management tips every noob should know!
TL;DR: How to Win at Baccarat (Video Edition)
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Playing Online: The Best Baccarat Sites
IMHO, the best Baccarat games on the internet are those at King Billy Casino. At least, that’s where I play and that’s where you’ll find me.
This award-winning gambling site features lots of different Baccarat games (you can play with live dealers, too!) and with limits that range from micro to high roller.
For a better overview of their games, have a look at this page.
And Now: The (BIG) Surprise
If you don’t play at King Billy yet, listen up:
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