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Baccarat Rules

How to play baccarat

Baccarat, also known as Punto Banco, is a casino game played between 12 to 14 players on the dice table with three casino dealers. The rules of baccarat game are strict and do not allow players to choose much options. Baccarat depends upon two principal bets: banker or player - Banco plus Standoff. Baccarat is a simple game, here one can place bets on three single types of bets:

  • Banker bet
  • Player bet
  • Tie (standoff)

In this community game all players play with the same hand. The baccarat rules also offer to deal a second hand. But that majority of baccarat games make use of only one hand which narrows down the betting options for players.

The game is played around a table with a distinctive baccarat layout; the size of the table is similar to the craps table. About 12-14 players can be seated around the baccarat table and three dealers manage these tables. Two dealers handle gamblers at each side of the table and the third manages the game itself.

A player may place his bet on the player's hand or the banker's hand. These pay even money but a winning banker bet you would be paid 5% commission. A tie bet pays having ratio of 8:1.

When all bets are made after that the dealer deals two cards to himself and one for the player who is playing the hand. The dealer announces two statements: one is “card for the player” which means the player must draw a card, and second one is “card for the banker” means the same for the banker.

A third card is dealt in certain cases. The winning hand has the higher point total. When the player get a point total of 9 or 8 which is known as "natural" he wins, unless the banker have the same hand value.

The Rules:

Baccarat is played with a six-deck or an eight-deck shoe. There is no value for all face cards and 10s. Cards which are less than 10s counted at face value, Aces has worth 1. Single digit values are more valid. Any count that approaches a double digit drops the left digit. 15 is numbered as 5 and 25 is numbered as 5.

To start, the players bet either on Banco or Punto or Standoff. The card dealer provides two cards each; first to the player and then the banker. The object of the game is to bet on the hand that you think will have the highest total value.

Rules for the player hand:

If the first two cards having total of 6 or more, then the player does not draw any card. If the total of player's first two cards is 5 or less, the player has permission to draw additional card.

Rules for the banker hand:

If the total of banker's first two cards is 7 or more, then the banker does not draw any card. If the total of these two cards of banker is 0, 1, or 2, then the banker draw only one card. If the banker's first two cards have a total of 3 to 6, then either the player draws or the banker draws the card.

A third card may be dealt to the player (Punto) and the bank (Banco) based on the three-card-rules. These rules are not necessarily to learn to play, they are generally automatic compulsory decisions.

Player's third-card-rule:

If the player or the bank have a total of 8 or 9 on the first two cards, then no further cards are drawn. The resulting hand is known as natural after that hand is over.

When the total of player's card is less than or equal to 5 the player's hand must draws a third card.

If the player does not draw a third card, then the bank's hand takes 6 or more and stands a third card on the total of 5 or less.

Third card rules (player's hand)
Third card rules (player's hand)

Bank's third-card-rule:

When the bank's total is 2 or less than 2 then bank has permission to draw a card.

When the bank's total is equal to 3 then the bank draws a third card regardless the players having third card with total of 8.

When the banks total is equal to 4 then the bank must draws a third card and the player's third card should be 0, 1, 8, or 9.

When the bank's total is equal to 5 then the bank draws a third card unless player's third card has 4, 5, 6, or 7.

When the bank's total is 6 then the bank must draw a third card and players third card has 6 or 7.

If the bank's total is equal to 7 then the bank stands.

Third card rules (banker's hand)
Third card rules (banker's hand)


Before marching for the baccarat table, there are numerous issues that should be learned by baccarat players. These issues include money management, baccarat odds. Players would need to get the suitable baccarat strategy for them and learning baccarat terminology properly, which is a wide part of learning skills related to play baccarat.

Even if you don't fully understand the rules on how to play baccarat, try it anyway by playing it online for free (check our free table games here). In each phase you will be guided from the dealer. The dealer would tell you when to draw a third card, or how many cards to cut from the deck at the start of the game ..and so on. You can start practicing with the free demo below.

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