How to Play Baccarat
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Instructions on How to Play Baccarat

Baccarat Objective:

In Baccarat you make a wager that either the Player's hand will win, the Banker's hand will win, or that the game will result in a tie.
The object of baccarat is to predict which hand will get a point value closest to 9, keeping in mind that all ten-value cards count as zero and aces count as one. To participate in the game, you place your wager on the Banker's hand, on the Player's hand, or on a tie. Then the Player and the Banker are each dealt a two-card hand. Following standard baccarat rules (shown below), a third card is dealt to the Player and/or the Banker.
The players place a wager on either the Bank's hand or the Player's hand. The winning hand is the one with the point total closest to nine after all the cards are dealt. You can also choose to place your bet on a tie, when both hands have equal point values. If the game does result in a tie, a wager for the Banker or the Player is returned. All winning wagers for the Banker and the Player pay even money. However, if you win by betting on the Banker, the bank receives 5% commission. If you correctly wager that the two hands will tie, your payoff is 8 to 1.
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Rules summarizing when a third card is to be drawn:

If either the Player or the Banker have a total of 8 or 9 on the first two cards no further cards are drawn.
If the Players total is less than or equal to 5 the Player's hand draws a third card.
If the Player does not draw a third card, then the Banker's hand stands on 6 or more and takes a third card on a total of 5 or less. If the Player does take a third card then the rules below will determine if the bank takes a third card.
♧ If the Bank's total is 2 or less the Bank draws a card, regardless of what Player's third card is.
♧ If the Bank's total is 3, the Bank draws a third card unless Player's third card was an 8.
♧ If the Bank's total is 4, the Bank draws a third card unless Player's third card was a 0,1,8,or 9.
♧ If the Bank's total is 5, the Bank draws a third card if Player's third card was 4,5,6,or 7.
♧ If the Bank's total is 6, the Bank draws a third card if Player's third card was a 6 or 7.
♧ If the Bank's total is 7, the Bank stands.

Player:
Point Value of First Two Cards  
0-1-2-3-4-5 Draws a card
6-7 Stands
8-9 Banker cannot draw

Banker:
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 0-1-2-3-4-5-6-7-9 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

How To Play Baccarat:

♧ Click and Drag the chips denomination $1, $5, $25 and $100 on to table area. Place your choice of your bets; i.e. Banker, Player, Banker and tie, Player and tie. Or Tie bets in the specified area.
♧ After placing bets click on "Deal". Two cards for player and two cards for dealer would be dealt. Depending on the above given rules the third card would be dealt.
♧ Depending on the placement of your bets you would win or lose.
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Baccarat Payoff Table:

Bets on Win amount
Banker Even amount less 5% commission
Player Even amount
Tie bets 8 to 1

Baccarat
Copyright
Updated ~ 06-11-2010
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