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Baccarat
is played with eight decks of cards. Each numbered card
less than ten is worth its face value, aces are worth
1, and tens and face cards are worth 0. The suit does
not matter.
Play
begins by all players betting either on the 'player',
'banker', or a tie. I put player and banker in quotes
because that is the correct terminology but they do
not necessarily represent the dealer or the actual players.
After
all bets are down the dealer gives two cards each to
the player and the banker. The score of the hand is
the right digit of the total of the cards. For example
if the two cards were an 8 and 7, then the total would
be 15, and the score would be a 5. The scores will always
range from 0 to 9 and it is impossible to bust.
A
third card may or may not be dealt to either or both
the player and the dealer depending on the following
rules.
If
either the player or the banker has a total of an
8 or a 9 they both stand. This rule overrides all
otherbaccarat
rules.
If
the player's total is 5 or less then the player
hits, otherwise the player stands.
If
the player stands, then the banker hits on a total
of 5 or less. If the player does hit then use the
chart below to determine if the banker hits (H)
or stands (S).
Banker's
Score
Player's
Third Card
0
1
2
3
4
5
6
7
8
9
7
S
S
S
S
S
S
S
S
S
S
6
S
S
S
S
S
S
H
H
S
S
5
S
S
S
S
H
H
H
H
S
S
4
S
S
H
H
H
H
H
H
S
S
3
H
H
H
H
H
H
H
H
S
H
2
H
H
H
H
H
H
H
H
H
H
1
H
H
H
H
H
H
H
H
H
H
0
H
H
H
H
H
H
H
H
H
H
The
score of the player and dealer are compared, the winner
is the one which is greater. Winning bets on the banker
pay 19 to 20 (or even money less a 5% commission), winning
bets on the player pay 1 to 1, winning bets on a tie
pay either 8 to 1 or 9 to 1, depending on where you
play. Regardless of whether the tie pays 8:1 or 9:1
it is a very bad bet and should be avoided.
You
may wonder how the dealer collects the 5% commission
on winning banker bets. If they did so every hand it
would involve a lot of change and slow down the game.
To avoid this during the course of play the dealer will
pay even money to winning banker bets and consider the
5% an IOU. As the dealer plays through an eight deck
shoe he/she will keep track of the commissions every
player owes. At the end of the shoe or when a player
wants to leave mid-shoe the dealer will collect on the
commissions. Make sure you don't run out of money with
outstanding commissions.
Disclaimer
- Online Gambling is not legal in all countries. It is
your responsibility to check on your eligibility before
playing at no download casino.
