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How to Play Mini Baccarat


As in regular Baccarat, Mini Baccarat involves just a few decisions—how much you want to bet and whether to bet on the bank, the player or on the tie bet. In betting on the bank, the casino will collect 5% commission on money won. The commission is paid at the conclusion of each shoe. A winning tie bet pays 8 to 1.

In Mini Baccarat, eight decks of cards are used. And just as in Baccarat, the cards are shuffled by the dealer and placed in the shoe. However, all cards in Mini Baccarat are dealt by the dealer.

After announcing “no more bets”, the game starts with four cards dealt from the shoe, forming two hands, one called the player's hand, the other the banker's hand. The initial four cards are dealt alternately from the shoe. The first and the third cards dealt are placed facedown for the player's hand. The second and fourth cards dealt are placed facedown until the player's hand is called. At this time, the second and fourth cards shall be placed face up for the banker's hand.

As in the game of Baccarat, if the point count of either hand is 8 or 9 (called a natural), no more cards will be dealt. 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 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. 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, the tie bet wins, but the player's and banker's hands neither win nor lose.

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.

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


Player – When 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 first two cards total:

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