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PREMISE:
Two hands are dealt in Baccarat - the Banker's hand and the Player's hand.
Prior to each deal, the player wagers on whether the Player's hand or
the Banker's hand is closest to a total of 9. The player also has the option
to wager on a tie (i.e. both the banker's and player's hands total the same).
HOW TO PLAY:
First, Select the amount you would like to wager on a given hand. There
are three types of bets a player may wager on - the Player's hand , the
Banker's hand , or the Tie bet . A combination of these bets can also be made.
The Player and Banker are dealt two cards. All tens and picture cards are worth
zero, aces are worth 1, and all other cards are worth their face value. If the
value of cards exceeds 9, then the value is adjusted by subtracting 10 from the
total.
Example:
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Hand
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Hand Total
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9+7=16
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6
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5+5+5=15
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5
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10+9=19
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"Natural" 9
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After the first two cards are dealt to both the Player and Dealer, a
third additional card may be dealt but the player does not ask for a third card.
All additional cards are subject to a third card rule. No hand receives more
than three cards. When the Player and Banker hands equal the same total, the
hand is declared a Tie.
Third Card Rules:
If the Player's two cards total:
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Player's Hand
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Draw?
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0-5
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Player's hand must draw
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6-7
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Player's hand must stand
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8-9
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"Natural" (both hands stand)
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After the Player's Hand acts on a third card draw, the Banker's Hand receives
a third card according to these rules:
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Banker's Hand
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Draw?
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0-2
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Banker's hand must draw
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3-6
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Third card to Player's hand determines draw or stand
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7-9
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Banker's hand must stand
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When the Banker's two cards total between 3-6:
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Banker's Hand
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Banker's hand draws when Player's third card is:
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Banker's hand does not draw when Player's third card is:
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3
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1-2-3-4-5-6-7-9
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8
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4
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2-3-4-5-6-7
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0-1-8-9
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5
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4-5-6-7
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0-1-2-3-8-9
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6
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6-7
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0-1-2-3-4-5-8-9
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If the Player's hand stands on two cards, then a two card Banker hand
totaling 3, 4, 5 must draw and a Banker hand totaling 6 must stand.
PAYOFFS
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Wager and Result
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Payoff
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A winning Player hand wager
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1 to 1
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A winning Banker hand wager
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1 to 1 but the player must pay a 5% commission to the bank
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A winning Tie wager
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8 to 1
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Almost all online casinos allow you to play their games (including
baccarat) for free in practice mode. It is strongly recommend that you utilize
this and become familiar with the software, rules of the casino, and the way the
games are played prior to placing any wagers for real money.
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