Two
hands are dealt in Baccarat - The banker's
hand and the player's hand. Prior to each deal,
the player wagers on whether the Player's hand or
the Banker's hand is closest to a total of 9. The
player also has the option to wager on a tie (i.e.
both the banker's and player's hands total the same).
Normally, 8 decks of 52 cards are used.
How to Play
The game starts with both the Player and Banker being
dealt two cards. All tens and picture cards are worth
zero, aces are worth 1, and all other cards are worth
their face value. If the value of cards exceeds 9,
then the value is adjusted by subtracting 10 from
the total.
Example:
Hand
Hand
Total
9+7=16
6
5+5+5=15
5
10+9=19
"Natural"
9
After
the first two cards are dealt to both the Player and
Dealer, a third additional card may be dealt but the
player does not ask for a third card. All additional
cards are subject to a third card rule. No hand receives
more than three cards. When the Player and Banker hands
equal the same total, the hand is declared a Tie. If
the value of the cards in either the Player's Hand or
the Banker's Hand is an 8 or a 9 (a "natural")
after receiving their initial two cards then no more
cards shall be dealt to either hand. If the value of
the cards in the Banker's Hand on the first two cards
is 0 to 7 inclusive, the Player's hand shall draw in
accordance with the Third Card Rules.
Third
Card Rules: If
the Player's two cards total:
Player's
Hand
Draw?
0-5
Player's
hand must draw
6-7
Player's
hand must stand
8-9
"Natural"
(both hands stand)
After
the Player's Hand acts on a third card draw, the Banker's
Hand receives a third card according to these rules:
Banker's
Hand
Draw?
0-2
Banker's
hand must draw
3-6
Third
card to Player's hand determines draw or stand
7
Banker's
hand must stand
When
the Banker's two cards total between 3-6:
Banker's
Hand
Banker's
hand draws when Player's third card is:
Banker's
hand does not draw when Player's third card is:
3
1-2-3-4-5-6-7-9
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
If
the Player's hand stands on two cards (6,7), then a
two card Banker hand totalling 3,4,5 must draw and a
Banker hand totalling 6 must stand.
Payoffs
Wager
and Result
Payoff
A
winning Player hand wager
1
to 1
A
winning Banker hand wager
1
to 1
A
winning Tie wager
8
to 1
Other
versions
This game is sometimes called punto-banco, or mini-baccarat.
The rules are the same and are just different names.
What is the best play?
You should always back the banker for the best chance
of winning. You may want to keep a record of the scores
because you sometimes get some very interesting patterns!
Where
can I play Baccarat Online? InterCasino
is a great online casino. Not only does it offer multi-player
baccarat, but an enticing $50 free sign-up bonus. If
your not comfortable with the rules of baccarat, simply
download the software and you can play for fun at InterCasino
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