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Baccarat Game Rules

What is Baccarat

Baccarat is the oldest of all games played in modern casinos. Records suggest the game may have been played as far back as the fifteenth century in France where it is sometime known as punto banco. There are just three bets to make and the game is often played for quite high odds. In traditional casinos Baccarat tables are often kept separate from the rest of the casino in a ‘Baccarat Pit.’ The Baccarat table is easy to recognize. It is often quite large and can have seating for as many as twelve people.

Baccarat is a card game played with a single deck of cards. The objective of the game is to predict which of the two hands (Banker or Player) that are about to be dealt will be closer to having a value of 9.

Baccarat features

Use the Player button to place your bet on the Player's hand.

Use the Banker button to place your bet on the Banker's hand.

Use the Tie button if you think a Tie will be dealt next.

Playing the game

Baccarat is played with a single standard deck of cards. Two hands of cards are dealt, one for the Player and one for the Banker. Each hand will contain either two or three cards. These cards are dealt according to a set of rules that are the same wherever Baccarat is played.

The amount to be wagered on each game of Baccarat is displayed in the ‘Amount Bet’ or ‘Bet’ box.

Once the size of the wager has been determined you must decide which of three possible bets you wish to make before the cards are dealt. You can decide to bet on the Banker’s hand winning, the Player’s hand winning or the possibility of a Tie. Clicking on the appropriately labeled buttons to place these bets. Once the bet has been placed the two hands will be dealt.

The winning hand will be the one whose value is closest to nine (9). The value of a hand is calculated by adding up the value of the card. Aces have a value of 1. Face (picture) cards and tens (10s) have no value and do not contribute to the value of the hand. All other card values are treated as they appear i.e. 2=2, 3=3, 4=4 and so on.

If the value of a Baccarat hand exceeds 9 then the value of the hand is taken as the "unit" portion of the total. Thus, if a hand consists of an 8 of clubs and a 7 of diamonds the total for the hand would be 15. You would ignore the "tens" portion of that total, giving you a value of 5. Similarly if the total of the cards were 20 you would ignore the 2 (tens portion) giving you a hand value of 0.

Once the winning hand is determined the game is over. If the hand you backed won you will be paid out according to the rules in the Payout Schedule section.

General rules

The player should take note of the following rules:

A 5% commission is taken when the player bets on a winning Banker's hand.

Face cards and 10s have no value in Baccarat.

A tie that the player did not bet on pays the player back his ante.

Payout schedule

Should the player have chosen the winning hand the payout will made according to this table:

The Winning HandThe Payout
The Banker WinsTwice the bet -5% commission on winnings for the House.
The Player WinsTwice the bet
A Tie WinsThe player wins 8 times the bet.


If the hand the player chose to back wins, the player is paid double his bet, unless he bet on a tie in which case the payout is eight (8) times the amount he bet. If the Player wins when backing the Banker’s hand the House charges a small percentage. Should the player have backed a losing hand his ‘Ante’ is lost. Should the hands be tied and the player has not bet on a Tie the player’s ‘Ante’ will be returned.


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