Baccarat

Baccarat is the simplest table game in the casino to learn and play. You can bet on the Bank winning, the Player winning or on a Tie. The rules are simple - the hand which has the total closest to 9 is the winner. 10 and picture cards have a value of zero and the banker has to stand on 7 or more.

How to Play

The Cards

The virtual cards will be dealt from a shoe of 6 decks of 52 cards.

Wagers

Before the hands are dealt, bets may be placed on the banker hand, on the player hand, or on a tie. Winning bets on banker or player are paid 1:1, but a commission of 5% is charged on bank bets making the net odds on such bets 0.95 to 1. Tie bets are paid 8:1. If there is a tie, bets on the banker or player are returned.

The Deal

Once a bet has been placed, there are no opportunities for further decisions by the player. Both the banker hand and the player hand are dealt according to fixed rules, resulting in final hands of either two or three cards for each. Two hands are dealt by the virtual dealer, one to the "banker" hand and the "player" hand. The value of a hand is determined by adding the values of its individual cards. Tens and face cards are counted as zero, while all other cards are counted by the number of "pips" on the card face. Only the last digit of the total is used, so all baccarat hands have values in the range 0 to 9 inclusive. The hand with the higher value wins; if the hands have the same value, the result is a tie. A game is started by dealing two cards for the player hand and two cards for the bank hand. An initial hand with a value of 8 or 9 is called a "natural." If either hand is a natural, the game ends. Otherwise play continues, first with the player hand and then with the banker hand, according to the following rules. Rules for the player hand: If the player's first two cards total 6 or more, then the player stands without drawing a card. If the player's first two cards total 5 or less, the player must draw one additional card. Rules for the banker hand: If the banker's first two cards total 7 or more, then the banker stands without drawing a card. If the banker's first two cards total 0, 1, or 2, then the banker must draw one card. If the banker's first two cards total 3, 4, 5, or 6, then whether the banker draws is determined by the whether the player drew, and if so the value of the player's draw card, as shown by the table below: Player Draw Card N 0 1 2 3 4 5 6 7 8 9 Bank's Total 9 - - - - - - - - - - - 8 - - - - - - - - - - - 7 - - - - - - - - - - - 6 - - - - - - - D D - - 5 D - - - - D D D D - - 4 D - - D D D D D D - - 3 D D D D D D D D D - D 2 D D D D D D D D D D D 1 D D D D D D D D D D D 0 D D D D D D D D D - D

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