Baccarat Rules Of Play

Baccarat rules:

Graphic courtesy MGM Grand, AU

The basics and how to play baccarat

Baccarat or Punto Banco is usually played in a separate casino area. The playing table is about the size of a craps table with three casino dealers and up to 12 or 14 players.

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  • The baccarat rules you learn here are the same for mini baccarat games so you can venture into other areas to learn how both games play out in the casino arena of baccarat games. Baccarat ranks among the best known and most thrilling of casino card games.
  • Baccarat, sometimes called Punto Banco, is a simple casino card game with only three possible bets. In Baccarat, play only against the house - represented by a casino employee called ‘the banker’. Players bet on which of two hands will have a score closer to 9, but have no control over the outcome of the hand which is played by formulaic rules.
  • EZ Baccarat Rules Made Simple. One of the problems with typical games is that the Baccarat rules are made slightly too complicated and slightly too dull for the tastes of a lot of players. The banker bet in particular is a problem because it pays at 0.95:1 with a five percent commission, and this is one of the main sources of complication in an otherwise relatively simple game.
  • Jul 20, 2011  Learn to play baccarat and which bets should be never made to increase your chances of winning. Basic third card rules guide as well as some examples of bacc.
  • The Mini Baccarat is played under the same rules as American Baccarat, but gives players the opportunity to play the game with the lower betting limits in the much more relaxed atmosphere - you can dress as casual as you like.
  • Aug 04, 2018  In the classic game of Baccarat the deal rotates among the players. In the Mini Baccarat the rituals of passing the shoe are missing and the dealer is.

There are just two principal bets to make: banker or player - Banco or Punto, plus the rarely used Standoff. Some casinos let the players deal the cards in turn and others have a casino dealer to deal the cards. In online Baccarat the cards are dealt automatically by a virtual dealer.

Each player, including the player dealing, may bet on either Punto or Banco but it is customary for the dealer to bet on Banco. Players may opt not to deal, passing the 'Shoe' to the next player. The shoe remains with one player as long as the Bank wins. If Punto wins, the shoe passes on to the next player.

And although there’s not really one foolproof strategy per se, considering how much based on the chance the game is, there are some rules you can follow to ensure a pleasant time at the Baccarat table. How to Play Baccarat – The Rules In a Nutshell. First and foremost – learn the mechanics of the game.

Two hands are dealt and you bet which one will win, or that they will tie. It is just like betting on Black or Red at roulette, and the payoff is even money, 1:1 (except for the standoff, which pays 8-1 or 9-1). The only difference between the Banco and Punto bet is a win on Banco will cost you 5% commission or tax levied by the casino - the in-built advantage.

The reason for taxing the Banco is because it has been established that over an 8-deck cards play on average the Banco will win three to four hands more than the Punto.

Each hand consists of a minimum of two and a maximum of three cards. The person dealing will put two cards, face down, tucked under the shoe, and give the player with the largest bet on Punto the other two cards, face down.

The Punto player then looks at the cards and gives them back to the player who is dealing. Then the player who is dealing will turn over the cards of both hands while one of the casino dealers will announce the results and the winner.

If either hand has a total of 8 or 9 (nine is the highest), then it is called a 'Natural' and no more cards are dealt. If it is not a natural, then depending on the value of each hand the casino dealer may instruct the card dealer to deal a third card. The decision when to deal a third card follows precise set rules used by all casinos.

Once dealing is completed, the hand with the highest count wins. The paying casino dealers will collect the losing bets first and then pay the winning ones. The player who actually deals the cards is not responsible for the payouts. He is just like any other player, playing against the casino.

The rules

Baccarat is played from a six-deck or an eight-deck shoe. All face cards and 10s have no value. Cards less than 10 are counted at face value, Aces are worth 1. Suits don't matter. Only single digit values are valid. Any count that reaches a double digit drops the left digit. 15 is counted as 5 and 25 is also counted as 5.

To start, the players bet either on Banco or Punto or Standoff. The card dealer gives two cards each; first to the player and then the banker. The object of the game is to bet on the hand that you think will have the highest total value.

A third card may be dealt to either or both the player (Punto) and the bank (Banco) based on the following three-card-rules. It is not necessary to learn these rules to play, they are compulsory decisions and therefore automatic. Only on rare occasions a mistake is made:

Player's third-card-rule

  • If either the player or the bank have a total of 8 or 9 on the first two cards no further cards are drawn. The resulting hand is called a natural and the hand is over.
  • If the player's 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 bank'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 Bank's third-card-rule below will determine if the bank takes a third card.

Bank's third-card-rule

  • If the bank's total is 2 or less then bank draws a card, regardless of what the players third card is.
  • If the banks total is 3 then the bank draws a third card unless the players third card was an 8.
  • If the banks total is 4 then the bank draws a third card unless the players third card was a 0, 1, 8, or 9.
  • If the banks total is 5 then the bank draws a third card if the players third card was 4, 5, 6, or 7.
  • If the banks total is 6 then the bank draws a third card if the players third card was a 6 or 7.
  • If the banks total is 7 then the bank stands.

House advantage
Banker (Banco) 1.17%
Player (Punto) 1.36%
Tie (Standoff) 14.12% at 8:1 payout

See Chemin De Fer - A brief description of the French version of Baccarat.

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Baccarat Rules Of Play

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How to Play EZ Baccarat

EZ Baccarat is a variation of the popular casino game Baccarat. It follows exactly the same format in terms of gameplay and features just 2 small differences.

EZ Baccarat Rules

In both forms of Baccarat, all Aces count as 1 point, picture cards, and 10’s count as 0 points and all numerical cards count as their face value.

The aim of the game is to guess who will have a higher hand, the Banker, Player or whether both scores will be the same.

Once you have placed your bet, 2 cards are dealt face up for each Player at the table and for the Banker. As in Blackjack, you are playing directly against the Dealer, known in Baccarat as the Banker, and therefore don’t need to worry about other Player’s hands.

How Do You Play Baccarat

An example of the layout of an EZ Baccarat game can be seen above.

There are no further decisions to be made in a game of WZ Baccarat as what happens next depends on the total of the cards for the Player and Banker.

When looking at your total, only the last digit counts so the total for both the Player and Banker is always between 0 and 9.

For example, if you have a 9 and 5, the total is 14 but only the last digit – so in this case 4 – is used. Therefore it is not possible to go bust and lose the hand as you can in other games such as Blackjack.

Once all players and the Banker have 2 cards, the totals are worked out and the hand continues as follows:

Baccarat Rules Of Play

• If wither Player or Banker has a total of 8 or 9, they both stand
• If the Player’s total is 5 or less, they hit and receive 1 more card, otherwise, they stand
• If the Player stands, the Banker hits on a total of 5 or less
• If the Player does hit, use the following table to determine the action of the Banker

How To Play Baccarat Game

Players 3rd card
Bankers Score0123456789
7SSSSSSSSSS
6SSSSSSHHSS
5SSSSHHHHSS
4SSHHHHHHSS
3HHHHHHHHSH
2HHHHHHHHHH
1HHHHHHHHHH
0HHHHHHHHHH

S = Banker Stands
H = Banker Hits

Once the above actions have taken place, winning hands are paid out.

If the Player wins, any bets on the Player are paid out at even money.

One of the 2 differences between EZ Baccarat and standard Baccarat is that bets on the Banker are also paid out at even money in EZ Baccarat as opposed to standard Baccarat where a 5% fee is taken.

If both the Player and the Banker have the same total, bets on the Tie are paid out at odds of between 8 to 1 and 10 to 1 depending on the casino.

The other difference between the versions comes if the Banker wins a hand with a 3 card total of 7. In this case, bets on the Banker will only Push and any bets will be returned. Bets on the Tie and Player will still be settled as a loss.

EZ Baccarat Strategy

One of the 2 differences between EZ Baccarat and standard Baccarat is that bets on the Banker are also paid out at even money in EZ Baccarat as opposed to standard Baccarat where a 5% fee is taken.

Ez Baccarat Rules Of Play

If both the Player and the Banker have the same total, bets on the Tie are paid out at odds of between 8 to 1 and 10 to 1 depending on the casino.

How Is Baccarat Played

The other difference between the versions comes if the Banker wins a hand with a 3 card total of 7. In this case, bets on the Banker will only Push and any bets will be returned. Bets on the Tie and Player will still be settled as a loss.

Mini-baccarat Rules Of Play

EZ Baccarat Tips

The EZ version of Baccarat is very similar to the main version. The main advantage is that there is no commission payable on Banker bets, therefore, this bet has a lower house edge. It is worth bearing in mind though that if the Banker wins after a 3 card total of 7, the bet isn’t paid as a win but instead pushed which is one way the house gets some of their edges back.

Mini Baccarat Rules Of Play

As with all casino games, ensure you play within your means and don’t overstretch your bankroll. Play bets which allow you to enjoy the game for some time as opposed to betting all or nothing.

Mini Baccarat Rules Of Play

More in-depth tips and strategies can be found on our Baccarat Strategy page.

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