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Baccarat game guide

Baccarat is one of the great online casino games and most people probably know it for being one of James Bond's favourite casino games.

Baccarat is one of the classic casino games but not many people know enough about the game to be confident enough to give it a try. Use our Baccarat game guide to learn the rules and give it a try.

Baccarat is a common casino card game. The most popular version of the game is Baccarat Banque in which the bank plays against the players. Another variant is Chemin de Fer, whereby all players take it in turns to hold the bank.

The game is easy to understand amd the decision-making process is limited. It is not necessary for the player to know the rules of the game as all the procedures are well ordered. Baccarat involves virtually no skill.

The object of the game is to assemble, either with two or three cards, a points value of 9. Picture cards and the 10 count as 0. The ace counts as 1, and other cards according to their face value. If the total is a double figure then the first figure iss ignored, e.g., 18 would count as 8.

Baccarat is played on a green baize table that might be marked as shown below. It has positions for a number of players. The game is operated by croupiers on each side of the table.


Baccarat usually uses 8 decks of cards which are shuffled and placed in a shoe. There are only two hands in Baccarat, the players' and the bank's, so there are only two main available bets. There is a third bet, a tie, but this is often made as a side-bet, together with one of ther other players.

All players may bet on either player or banker to win by placing their bits (of any size within the casino's limits) in the relevant box on the table.

After all the bets have been placed, the player playing banker deals a card face down to the croupier, a card face down to himself, and then a second card to each. Initially a handconsists of two cards, although athird might be added later.

The following rules apply to decide whether an extra card is dealt to each hand:

  1. If either the player's hand or the banker's hand is 8 or 9, then that hand is a 'natural' and wins straight away. If both hands are naturals , a point score of 9 beaths the point score of 8. Equal hands count as a tie, and all the players retain their stakes.
  2. If no naturals are revealed, the hands are returned face down to the table and the following rules for a third card apply.
  3. For the player:
    • The player always stands on 6 and 7.
    • The player always asks for a card face-up on totals of 0-5 inclusive.
  4. For the banker:
    • The bank always stands on 7
    • If the banker's hand totals 0, 1 or 2, he draws another card
    • If the banker's hand totals 3, he draws another card unless the player has drawn a third card which was an 8.
    • If the banker's hand totals 4, he draws another card, unless the player's hand has drawn a 0, 8, 9 or 10.
    • If the banker's hand is 5, it stands, unless the player's hand stood on 6 or 7, or drew a 4, 5, 6, or 7. Int hese cases he draws another card.
    • If the banker's hand is 6, it stands, unless the player has drawn a 6 or a 7.

When both hands are completed, they are exposed, the winning hand being the one closest to 9 but not exceeding it.

Bets are settled as follows:

  • If the player wins, his backers are paid at even money.
  • If the banker wins, the bets are paid at evens but witha 5% deduction as commission. Backing bank is a slightly better bet than backing player.
  • Equal hands are a stand-off and stakes are returned.
  • People who backed a tie are paid at odds of 8 to 1, but since the true odds are nearer 19 to 2, the house gains an advantage of around 14%.
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