How to Play Baccarat

Short Description

Baccarat is a very simple game to play. The dealer handles the draw of cards according to specific rules and the player has no decisions to make during the game. The only two decisions a bettor must make, before each hand is dealt, are the selection of the position they believe will win the next hand, and determining the amount of the wager. The House banks all bets, and collects or makes payouts on each hand that is dealt. However, it is a good idea to be familiar with the rules, as it will heighten the enjoyment of the game, and the anticipation of the turn of a card.


To wager on the hand that will finish with a point total of 9, or as close to it as possible.

Betting Options

There are 5 options a player may wager on: Player hand, Banker hand, Tie hand, Player Pair or Banker Pair. You may also bet on Banker and Player hand, or Banker and Player Pair or tie hand at the same time.

“Player Pair” and “Banker Pair” side bet

“Player Pair” and “Banker Pair” is a side bet which wins if the first two cards dealt to the Player or the Banker constitutes a pair (for example 5, 5 or K, K) and loses on all other outcomes.
The game is played as normal, but players may also place a bet on Player Pair, Banker Pair or both.
Players may place a wager in addition to, or instead of, a Player or Banker bet.

Card Values

Aces count as one.
2 through 9 count as face value.
10s and Pictures count as zero.

For example:

9+7=16 Hand counts 6
5+5+5=15 Hand counts 5
10+9=19 Hand is a "Natural" 9
King+Ace+5=16 Hand counts 6

The Game

Baccarat is played with eight decks of cards that are re-shuffled after each hand. The cards are dealt from a shoe, similar to Classic Blackjack. You can bet on either the Player's side, the Bank side, Player Pair, Banker Pair or on a Tie. Four cards are dealt, the first and third to the Player's hand, the second and fourth to the Banker's hand.

The point total of both hands is presented below. If either hand totals 8 or 9, each of these numbers is called a "Natural", then no additional cards are dealt. The winning hand is the one with a point total closest to 9. This rule takes precedence over all other rules. When both hands have equal totals, a "Tie" is declared.

Depending on the points accumulated by each hand after the initial draw, the Dealer may need to deal a third card. It is drawn face up, first to the Player's hand and then, if necessary, to the Banker's hand. No more than one additional card per hand may be dealt. The drawing of the third card is governed by the following fixed rules.

Third Card Rules

A third card may or may not be dealt to either the player or 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 other rules.
  • If the player's total is 5 or less, then the player draws, otherwise the player stands.
  • If the player stands, then the banker draws on a total of 5 or less. If the player does draw then use the chart below to determine if the banker draws (D) or stands (S).

Baccarat Drawing Rules

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 D D S S
5 S S S S D D D D S S
4 S S D D D D D D S S
3 D D D D D D D D S D
2 D D D D D D D D D D
1 D D D D D D D D D D
0 D D D D D D D D D D

How to Play

  1. Place a single bet or combination of bets, in any of the betting areas (TIE, BANKER, PLAYER, Banker Pair or Player Pair), and click the deal button.
  2. The Player and Banker are dealt 2 cards each. The third card is dealt automatically according to the "Third Card Rules" (see above).
  3. The value of the Banker and Player hands is displayed on screen just beside the cards dealt at the end of the round, for your convenience.
    1. Dealer collects losing bets.
    2. Your winnings are placed next to your original bet, and added to your stack of chips when press rebet or new bet.
    3. Your Bankroll counter is adjusted automatically.

Intro screen and settings menu

Table Limits

The game allows the player to choose from amongst 3 possible table limits – low, normal or high – thereby affecting the possible betting ranges and selectable chip range. Table limit may be altered from the game intro message or from in-game setting menu, though not in mid round. Please note that changing game limits does not affect game rules. Regardless of table limit, progressive jackpot bet is always limited to 1 currency of play.

Table Style

The game allows the player to choose from amongst 2 possible table styles – classic or digital. Table style may be altered from the game intro message or from the in-game setting menu, though not in mid round. Please note that changing table style does not affect game rules.

Turbo mode

Turbo mode, selectable from the intro screen and also the in-game settings menu, allows for a faster pace game by eliminating most card dealing and collection animations. Please note that changing game speed does not affect game rules.

Background music

This button in the settings menu allows the player to disable the background music.

NOTE: Malfunction voids all pays and plays.


  1. Player's winning hand wagers are paid 1:1. (even money).
  2. Banker's winning hand wagers are paid 1:1. (even money) but the House charges a 5% commission (vigorish) on all winning Bank wagers which is deducted immediately upon payment of the winnings.
  3. Tie bet winning wagers are paid 8:1. whereas Player or Banker bets are returned (push).
  4. Player and Banker Pair side bet winning are paid 11:1.

Minimum Bet: $/£/€1
Maximum Bet: $/£/€1000

The return to player percentage are shown in the table below:

Bets RTP
Banker bet 98.94%
Player bet 98.76%
Tie bet 85.64%
Pair bet 89.64%