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How to Play Baccarat


Baccarat is an elegant, simple game to play. There are only two decisions you have to make in the game. How much you want to bet and whether to bet on the bank or the player. If you bet on the bank, the casino will collect a 4% or 5% vigorish or commission charge depending on the sign posted at the Baccarat gaming table on all money won. The commission must be paid at the conclusion of each shoe. All bets must be placed before the dealer calls “no more bets.”

An additional bet you may make is to bet on the tie (that the two “hands” will end in equal totals). A winning tie bet pays 8 to 1. Now for the game itself. Baccarat is played with eight full decks of cards. The cards are shuffled by the dealers and placed in a box called a shoe.

All cards count as face value. Ace equals one. Deuce is two. All tens and face cards, or any combination of them have no value. So: 9 + 5 = 4. Jack + 1 = 1.

The game begins when four cards are dealt alternately from the shoe. First card to the player, second to the bank, third to the player and fourth to the bank. If the point count of either hand is 8 or 9 it is called a “natural”, and no additional cards are drawn. If the Bank does not have a natural, the player will always draw a third card on totals of 0-1-2-3-4- and 5 and stand with the 6-7-8 and 9. The cards are dealt according to fixed rules. There are no options regarding drawing the third card for either player’s or banker’s hand. The dealer instructs the player when to draw additional cards. No more than one additional card will be drawn to each hand. The hand closest to 9 wins and shall be paid at odds of 1 to 1. If both the player’s and banker’s hands result in identical totals, it is a tie and neither hand wins nor loses.

These charts describe the fixed rules governing the drawing of additional cards.


Player – When the first two cards total:

1-2-3-4-5-0 Draws
6-7 Stands
8-9 Natural-Stands



Banker – When the player stands on 6 or 7, the banker will always draw on totals of 0-1-2-3-4 and 5, and stand on 6-7-8 and 9.

When the player does not have a natural, the banker shall always draw on the totals of 0-1 or 2, and then observe the following rules:

When the first two cards total:

Banker having: Draws when Player’s 3rd card is: Does not draw when Player’s 3rd card is:
3 1-2-3-4-5-6-7-9-0 8
4 2-3-4-5-6-7 1-8-9-0
5 4-5-6-7 1-2-3-8-9-0
6 6-7 1-2-3-4-5-8-9-0
7   Stands
8-9   Natural-Stands


When the player hand wins, the shoe passes to the next player.