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Baccarat Rules & Strategies

Baccarat rules...the high rollers favorite casino game

Click here to practice free Baccarat

If you're looking for a game that returns pretty well, and doesn't require too much concentration, then baccarat is your game.  All you really need to do is decide how much you want to bet, make your bet selection from the 3 available, and let the dealer do the rest.  Baccarat is also a traditional favorite of the high rollers, so bet limits for this game are generally pretty high.

The rules of the game are simple...

  • Number cards less than 10 are worth face value, the Ace is worth 1 and 10's and picture cards are worth 0.
     

  • The game starts with the player placing a bet in the 'player', 'banker', or 'tie' boxes...now the dealer does the rest.  In baccarat, 'banker' and 'player' refer to bet options rather than game participants.
     

  • Once bets are own, 2 cards are dealt to the 'banker' and 2 cards are dealt to the 'player'.  The value of the 2 card hand is equal to the right digit of the 2 card sum.  5 and 7 = 2, Ace and 10 =1, 3 and 4 =7 and so on.  
     

  • A third card may be dealt to the player and/or banker according to the following rules:

    - (overriding rule) where either player or banker has a score of  8 or 9, no further cards are dealt.
    - where the player's total is 5 or less, the player hits, otherwise the player stands.
    - if the player stands, the banker must hit on 5 or less.  If the player hits, then the banker will hit or stands according to the following chart: 

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

  • Once dealing ends, the highest hand wins. Winning bets on the banker pay 19 to 20 (even money less 5% house commission), winning bets on the player pay even money.  Winning bets on a tie usually pay 8 to 1.

Baccarat returns around 99% to the player for player and banker bets, and around 85% on tie bets...so don't bet on the tie!

Enjoy.

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