Baccarat

By Wagercomms

The Game

The high roller's game, the player and the banker are each dealt a hand of two cards. Then following baccarat standard rules, a third card are dealt to the player and/or the banker.

How to Play Baccarat

The player and the banker are each dealt a hand of two cards. Then following baccarat standard rules, a third card is dealt to the player and/or the banker. The object of baccarat is to predict wether the banker's hand or the player's 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. The hand with the highest point value wins.

To participate in the game, you place a wager on the banker's hand, on the player's hand, or on a tie. A tie results when both hands have equal point values. If the game does result in a tie, wagers on the banker and the player are 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.

Card Values

Ace equals one point. Face cards and tens equals zero. All other cards carry the point value stated on the card. If the cards in a hand total more than ten points, simply subtract ten; the remainder is the baccarat point value of the hand. For example: 8+8=16, which counts as a 6 in baccarat; and 8+9=17, which counts as 7.

Third Card Rules

The following baccarat rule chart governs when the player and/or the bank will automatically be dealt (i.e. "draws") a third card in the Baccarat game.

Player

Value of first two cards       Action

0-1-2-3-4-5                           Draws a card

6-7                                            Stands

8-9                                            Natural, no additional cards

Banker

Value of first two cards       Draws on players cards       Does not draw on players 

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

Wagers Pay

The following is standard pay on winnings in Baccarat.

Winning Wager                     Pay

On banker or player             1 to 1

On a tie                                   8 to 1

Winning wagers on the banker is subject to a 5% bank commission, standard rule.

House Edge

Per the definition of standard rules the game is most commonly played using an eight deck shoe and with the above rules and winning wagers the following house edges applies.

Eight deck game... Banker 1.06%, Player 1.24% and Tie 14.36%.