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Baccarat

Professional baccarat dealer at an elegant green felt table with colorful chips and cards in a luxurious casino setting

Baccarat is an elegant card game often associated with high rollers and James Bond movies. Players bet on which hand will win: the Player, the Banker, or a Tie. With its simple rules and low house edge, Baccarat offers an exciting and sophisticated gaming experience.

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Basic Rules
  • Two hands are dealt: the Player and the Banker
  • Cards 2-9 are worth face value, 10s and face cards are worth 0, Aces are worth 1
  • The hand closest to 9 wins
  • If a hand totals more than 9, the first digit is dropped (e.g., 15 becomes 5)
  • Specific rules determine when a third card is drawn for either hand
Betting Options
  • Player: Bet on the Player hand to win
  • Banker: Bet on the Banker hand to win
  • Tie: Bet that the Player and Banker hands will tie
  • Player Pair: Bet that the Player's first two cards will be a pair
  • Banker Pair: Bet that the Banker's first two cards will be a pair
Payouts
  • Player bet: 1:1
  • Banker bet: 1:1 (minus 5% commission)
  • Tie bet: Usually 8:1 or 9:1
  • Player Pair/Banker Pair: Usually 11:1
How to Play Baccarat
  1. Place your bet on the Player, Banker, or Tie
  2. Two cards are dealt to both the Player and Banker hands
  3. If either hand has a total of 8 or 9 (a "natural"), the game ends
  4. If no natural occurs, additional cards may be drawn based on specific rules
  5. The hand closest to 9 wins
  6. Winning bets are paid out, and a new round begins
Third Card Rules

Player's Hand

  • If total is 0-5: Player draws a third card
  • If total is 6-7: Player stands
  • If total is 8-9: Natural, both hands stand

Banker's Hand

Depends on the Player's third card (if any) and follows a more complex set of rules

Baccarat Strategies and Tips
  • Bet on the Banker - it has a slightly lower house edge
  • Avoid the Tie bet, as it has a high house edge
  • Manage your bankroll and set win/loss limits
  • Take advantage of casino comps, especially if you're a high roller
  • Understand that past results don't influence future outcomes
  • Consider using a betting system, but be aware of their limitations
  • Learn to keep score using baccarat scorecards
  • Practice with free online games before playing for real money
Baccarat Variations
  • Punto Banco: The most common variation in North America and the UK
  • Chemin de Fer: A version where players can take turns being the Banker
  • Baccarat Banque: Similar to Chemin de Fer, but with a more permanent Banker
  • Mini-Baccarat: A faster-paced, lower-stakes version of the game
  • EZ Baccarat: Eliminates the 5% commission on Banker bets
  • Live Dealer Baccarat: Online version with a real dealer via video stream