The Basic Rules of Baccarat

What the goal of baccarat is, how the game is played, how hands are valued, and how bets are placed are all covered here.


In baccarat the hand is played between a fake banker and dummy player and the bettors wager on who will win. Bettors who had faith in the player would receive an equal payout if he or she prevailed. Bettors who backed the banker would collect an even payout in the event of a banker victory. If the player and banker both roll a natural, the bets push.


By drawing lots, one of the players becomes the dealer.

Before anybody else makes a bet, the dealer does so.

Whoever places the largest stake is the dealer for the round.

After then, the dealer will begin the handing out of cards.

The winner of a hand between a dealer and a player is the one whose hand value is higher after all cards have been dealt.

If the dealer has already won, he will remain in that role. In that case, the dealer position passes to the player immediately to the right.

Hands-on worth

The values from two to nine are placed on the cards.

To calculate the worth of a hand, tally up all the points on the cards and then remove the tens place. Some illustrations are shown below.

The values from two to nine are placed on the cards.

The value of tens and image cards is ten.

 The value of an ace is one.

The value of a pair of 3s and 6s is 9.

The value of a hand of sevens and sixes, which adds up to thirteen, is three.

A hand consisting of a seven and a three, which totals 10 is valued at 0. A baccarat hand is one that has a value of zero.

Putting down roots

Calling “Banco” allows any player to match the banker’s full bet.

If no player call “Banco”, then each player sets his own stake.

Winner determination

Players and dealers each receive two cards. He announces the worth of anyone’s hand if it’s an eight or a nine. The cards are uncovered and the one with the better hand value wins.

If neither player calls, a third card is dealt. If the player’s hand value is 0–4, he must take the third card; if it is 6–9, he must reject it. With a hand value of 5, he has the option to accept or decline. Any player who makes a mistake in taking or declining the third card risks severe consequences. The open third card is revealed.

The dealer then has the option of taking a third card. He has no limits. The strength of his hand, the personality of the player, and the third card all factor into his decision. Following the dealer’s decision, the hands are compared and the one with the higher value is declared the winner. In the event of a draw, players can either collect their winnings or roll them over into the following hand.

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