The name of the game comes from the Italian word “zero”. Why? Zero is the value of tens, Jacks, Queens and Kings. The game is fundamentally simple, you wager on three single types of bets: Banker bet, Player bet or a Tie.
Your objective is to get a hand that comes closest to totaling 9. No strategies can improve your odds of winning because no mathematical formula can be applied to win. However, the game is popular in part because it offers a lower house edge compared to most other games.
Before you start, take a close look at the Baccarat table and learn the basics you need to know: chip stacks, tie bet, player chips, game balance, shoe, Banker bet, and Player bet.
How to Play
- Placing a bet: move chips to wager on one or two of the betting areas—Banker, Player, and Tie
- Dealing cards: Click Deal and watch two cards go to the Player side, two cards to the Banker side
- Hand total is then counted by adding the values of all cards
- Small cards 2-9 have the face value, tens and face cards are counted as 0, an Ace counts as 1
- If the hand total is ten or higher, the first digit is dropped
- Any hand totaling 8 or 9 is an automatic winner
- The screen message will indicate which hand wins, and pay-outs then go to winning bets
- If neither hand hits 8 or 9, the dealer can deal the third card
- If both hands need a third card, they are dealt
- The value of the hands is compared and the wins are paid out
- A Tie occurs if both Player and Banker hands have the same value, and the Tie bet wins, with all other bets losing.
Rules for Player
- If Player/Bank totals 8 or 9, no other cards are drawn, and the hand is a Natural win
- If Player total equals or is less than 5, the hand receives a third card
- If the Player does not draw a third card, the bank stands on 6 or more and draws on 5 or less
- If Player takes a third card, the Bank may take a third card—this is known as the Bank's third-card-rule
Rules for Banker
The Bank draws third card depending on total:
- Less or equal to 2 – the bank draws a third card
- Total of 3 – bank draws if player's third card is not an 8
- On 4 if the player's third card is not a 0, 1, 8 or 9
- On 5 if the player third card is a 4,5,6 or 7
- On 6 if the player/s third card is a 6 or 7
- 7 or higher, then the bank stands
As a game of pure chance, your choices begin and end with your wager. The rules above dictate every card play and all decisions are already programmed. So nothing you do is going to increase your chances of winning and the only strategies you can apply will relate to how to bet.
When playing online baccarat, knowing the rules can give you a sense of control because understanding the payouts can help you make proper wagering choices.
Mathematically, playing the Banker's side will have an edge in opportunities to win.
House advantage is greater for bets on Ties, so generally you will lose this more often. When that bet does hit, however the win is greater.
Baccarat is a fast-paced game so you can get wrapped up in the action, so plan your time accordingly.