Rules and Strategy of how to Play Baccarat

Never think of patterns! If a banker wins 10 times in a row for example, it does not mean that s/he has lower chances to win the next round too

What is Baccarat?

Rules and Strategy of how to Play Baccarat. Baccarat or baccara (/ˈbækəræt, bɑːkəˈrɑː/; French: [bakaʁa]) is a card game played at casinos. It is a comparing card game played between two hands, the “player” and the “banker”. Each baccarat coup (round of play) has three possible outcomes: “player” (player has the higher score), “banker”, and “tie”. There are three popular variants of the game: punto banco (or “North American baccarat”), baccarat chemin de fer (or “chemmy”), and baccarat banque (or à deux tableaux). In punto banco, each player’s moves are forced by the cards the player is dealt. In baccarat chemin de fer and baccarat banque, by contrast, both players can make choices. The winning odds are in favour of the bank, with a house edge no lower than around 1 percent. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.

History of Baccarat

The origins of the game are disputed, and some sources claim that it dates to the 19th century. Other sources claim that the game was introduced into France from Italy at the end of the 15th century by soldiers returning from the Franco-Italian War during the reign of Charles VIII.

Derived from the European games of chemin de fer and punto banco, baccarat is a game of mystery to most of the betting public even though it’s a staple of American casinos. With the aid of this article, you can unravel the secrets of baccarat and even learn how to become a winning player. Let’s begin with a little history of the game:

Baccarat is the French spelling for the Italian word baccara, or zero, signifying the point values of face cards. The game has been traced to 1490, when the Italian baccara was introduced into France, where it was a favorite of nobles during the reign of King Charles VIII. Baccarat was first offered in Las Vegas in 1959, about a year and half after chemin de fer was introduced. Both games already were flourishing in illegal casinos in the East.

The direct ancestor of baccarat as played in the United States, chemin de fer is similar in play. One major difference is that the customers bet among themselves, rather than against the casino, with the house taking a commission from the customer holding the bank. Chemin de fer was offered in Las Vegas briefly in the 1950s, but it was quickly replaced by baccarat. Today it remains popular in European casinos. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.

What do you need to know about Baccarat?

Set apart from the rest of the casino floor, baccarat has long cultivated an aura of sophistication, almost as if the game is out of reach to all but the wealthiest casino patron. In reality, baccarat may be the ideal game for the less affluent, more frugal player—the house edge for the best bet is a low 1.06% and playing is about as easy as betting on a coin toss. Care to give it a try? Here’s everything you need to know.

The baccarat table is about the size of a standard craps table, and is manned by three casino employees: two dealers taking the bets from as many as 14 players, and one croupier who directs the play of the game and calls the hands. There are seven numbered positions on each side of the table, 1-7 and 8-15 (excluding the number 13) with three betting options associated with each number—banker, player and tie. The object of the game is to bet on the hand with the highest total, the best hand value being 9.

The betting action in Baccarat is simplistic. If you place your chips in the “Player” area, you are betting on the player’s hand, which pays 1-1. Likewise, if you opt to wager on the “Banker’s” hand, you win even money (minus a 5% commission) if the banker’s hand wins. The third option, “Tie” is betting that the value for both the banker’s and the player’s hand will be identical. Winning Tie bets pay 8-1, and in a tie situation, both “Player” and “Banker” bets are returned. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.

Baccarat cards values

Before moving on to understanding the baccarat hand values, it is useful to know the baccarat card values, as listed below.

All cards from Ace to Nine are valued at their pip count – basically the number you see on the card is the value assigned to that card. Aces are equal to One. The suit of the card – Hearts, Spades, etc. – does not matter and is ignored.

Face Cards and Tens are valued at Zero. Face cards (called that because the picture on the card actually has a ‘face’ on it) are Jacks, Queens and Kings. All those are worth zero, as are tens. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.

So, the hand you are betting on, either Player or Banker, will be dealt two cards. Ignore all Jacks, Queens and Kings, and Tens, as they are worth zero. If your hand is dealt two face cards then the hand has a value of zero (two zeros added toegther comes to zero). In that case the drawing rules will apply.

To detmine the value of any hand, add together the points total of each card. If that total goes over Nine, then subtract ten. No hand can have a value of more than nine. That is the way the rules of the game work.

So if the Player hand, for example, is dealt a 7 and a 9, you add those two cards together, which gives you 16, then subtract 10, which gives a total value of 6.

In baccarat, the suit of the card has no significance at all. The same numbers can come up numerous times as the game is often played with a shoe of six to eight packs. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.


Baccarat Hand Values

While the manner in which baccarat hand values is worked out is somewhat unusual, it is, however, quite easy to understand baccarat hand values after a brief explanation. After the following explanation, a few examples will follow, to ensure that the method of adding up baccarat hand values is fully understood. Even though the caller will ensure that the game is played correctly, it is important for all players to understand how the baccarat hand values are calculated. In many games, the shoe is passed from player to player, who each take turns at dealing the cards. For this reason alone, it is important to learn about baccarat hand values. If not, the player will have to skip their turn and pass the shoe to the next player. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.

The values of the cards are added together (using the values listed under Baccarat Card Values above). If the total number is equal to more than nine, for example 14, then ten is subtracted, or more simply, remove the first number (the tens digit), and the number remaining is the total, which in this example would leave 4.

The following examples show the total amount counted for various combinations of baccarat hands that are dealt.

Even though these numbers are different, they add up to the same in baccarat:
Ace + 2 = 3
5 + 8 = 13, (drop the “ten”) which equals 3

2 + 3 = 5
9 + 6 = 15, (drop the “ten”) which equals 5

3 + 5 = 8
9 + 9 = 18, (drop the “ten”) which equals 8

Jack + Ace = 1 (because the 10, Jack and other picture cards equal zero)
7 + 4 = 11, (drop the “ten”) which equals 1

The following are examples of hands that are equal to 9. This is called a natural and would be the winning hand:
6 + 3 = 9
5 + 4 = 9
9 + Jack = 9

These basic examples, adding only two cards together, show you how to add up the baccarat hand values. At times, more than two cards will be dealt to a hand. When this occurs, follow exactly the same pattern as shown above. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.

Goal of Baccarat

In baccarat, it is unimportant whether the players bet on the dealer or the player hand. The player places a bet on which hand they think will be the winning hand. The winning hand in baccarat is the one that is the closest number to 9. In American baccarat, only two hands are dealt. It does not matter how many players are playing in the game. One of these hands is the “player hand’ and the other is the “banker hand”. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.

Variations of Baccarat

Baccarat is a very popular card game which is being played all over the world. The made a journey round the world over the centuries and gained the present form. As the game travelled trough different countries, each country made its contribution to the game. The game therefore for different variations, which are played in different parts of the world. The basic rules of the all the variations are the same – to get a natural nine or eight in the first two cards or draw a third card to get a score closer to the perfect nine. The four main variations of the game are mini baccarat, punto bunco, chemin de fer and baccarat banque.

Mini baccarat

Smaller versions of the game are common in more modest settings. In midi punto, the table is only staffed by a single croupier and is generally smaller. In mini punto, the table is no larger than a standard blackjack table, and the cards are dealt by a croupier directly from a standard shoe. Table minimums/maximums are smaller.

Super 6/Punto 2000 A variation where even money is paid on winning banker bets (rather than 95%), except when the banker wins with 6, which pay only 50% of the bet. This game goes under various names including Super 6 and Punto 2000. The house edge on a banker bet under Super 6 is 1.46% compared with regular commission baccarat at 1.058%. This is equivalent to increasing the commission by 17.45% to 5.87%. The banker wins with a 6 about 5 times every eight-deck shoe. As well as its increased house edge, the Super 6 variation is used by casinos for its speed, since it partially does away with the time-consuming process of calculating and collecting commission on winning banker bets except for winning with a 6.

EZ Baccarat A variation originating in 2004 where even money is paid on both winning banker or player bets, except when the banker wins with a total of 7 after the third card is drawn, which results in a push on banker bets. The game has two additional options, the Dragon 7, a specific bet of a winning three-card 7 on the banker side, which pays 40-to-1 instead of pushing, and Panda 8, a bet of a winning three-card 8 on the player side, which pays 25-to-1.

Chemin de Fer

Chemin de fer is a version which first appeared in the late 19th century. Its name, which is the French term for railway, comes from the version being quicker than the original game, the railway being at that time the fastest means of transport. It is still the most popular version in France.

Six decks of cards are used, shuffled together. Players are seated in random order, typically around an oval table; discarded cards go to the center. Play begins to the right of the croupier and continues counterclockwise.

Once play begins, one player is designated as the banker; this player also deals. The other players are “punters”. The position of banker passes counterclockwise in the course of the game. In each round, the banker wagers the amount he wants to risk. The other players, in order, then declare whether they will “go bank”, playing against the entire current bank with a matching wager. Only one player may “go bank”. If no one “goes bank”, players make their wagers in order. If the total wagers from the players are less than the bank, observing bystanders may also wager up to the amount of the bank. If the total wagers from the players are greater than the bank, the banker may choose to increase the bank to match; if he does not, the excess wagers are removed in reverse play order.

The banker deals four cards face down: two to himself and two held in common by the remaining players. The player with the highest individual wager (or first in play order if tied for highest wager) is selected to represent the group of non-banker players. The banker and player both look at their cards; if either has an eight or a nine, this is immediately announced and the hands are turned face-up and compared. If neither hand is an eight or nine, the player has a choice to accept or refuse a third card; if accepted, it is dealt face-up. Traditional practice – grounded in mathematics, similar to basic strategy in blackjack, but further enforced via social sanctions by the other individuals whose money is at stake – dictates that one always accept a card if one’s hand totals between 0 and 4, inclusive, and always refuse a card if one’s hand totals 6 or 7. After the player makes his decision, the banker, in turn, decides either to accept or to refuse another card. Once both the banker and the representative player have made their decision, the hands are turned face-up and compared.

If the player’s hand exceeds the banker’s hand when they are compared, each wagering player receives back their wager and a matching amount from the bank, and the position of banker passes to the next player in order. If the banker’s hand exceeds the player’s hand, all wagers are forfeit and placed into the bank, and the banker position does not change. If there is a tie, wagers remain as they are for the next hand.

If the banker wishes to withdraw, the new banker is the first player in order willing to stake an amount equal to the current bank total. If no one is willing to stake this amount, the new banker is instead the next player in order, and the bank resets to whatever that player wishes to stake. Many games have a set minimum bank or wager amount.

Play Baccarat

Punto Bunco

Punto Banco is the closest variation of the classic game of Baccarat or the so-called Chemin de Fer. The main difference between Punto Banco and the other variations is that the game action unfolds in accordance with an established set of rules and there are no optional plays.

Punto Banco can be run by one dealer who is in charge of the game action. Such types of Blackjack style tables are to be found in smaller casinos, but if you pay a visit to an attractive gambling hub, you will see that casinos use the kidney-shaped Baccarat tables, where a total of three dealers are in charge of the game. These types of tables can host up to 12 players at a time.

Players are supposed to bet on the Player or on the Bank and then, the cards are dealt. The one whose hand has a total closest to nine is declared a winner. This rule applies to both types of Baccarat tables.

Players have to decide whether a player or the bank would be the winner and place their bet in the designated area on the table. If you choose the Player, you just have to place the selected number of chips in front of the numbered seat. However, if you choose the Bank, you have to pass the bet to the dealer and he will place it in a small box.

Players can also bet on a tie, which means they presume the player and the bank will have equal value cards and the outcome of the hand will be a draw.

As soon as all bets are placed, the player who occupies seat 1 takes over the role of a bank and starts dealing the cards and placing them at the center of the table. Then, the dealer puts the cards in order. If you opt for the Mini Baccarat version, the dealer will be in charge of dealing the cards.

The first card is dealt to the player, the second to the bank, the third is for the player, and the fourth is for the bank. When both parties have their two cards, it is time to determine whether a third card should be dealt.

As for the payout, winning bets are paid 1:1, but you should not underestimate the commission you owe to the casino as well.

In terms of odds, placing a wager on a bank bet provides you with the best chances of winning, while the house edge for tie bets often exceed 14%. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.

Baccarat Banque

In Baccarat Banque the position of banker is much more permanent compared to Chemin de fer. The shoe contains three inter-shuffled decks. The banker, unless he retires either of his own free will or by reason of the exhaustion of his finances, holds office until all these cards have been dealt.

The bank is at the outset put up to auction, i.e. is given to the player who will undertake to risk the largest amount. In some circles, the person who has first set down his name on the list of players has the right to hold the first bank, risking such amount as he may think proper.

The right to begin having been ascertained, the banker takes his place midway down one of the sides of an oval table, the croupier facing him, with the discard area between. On either side of the banker are the punters (ten such constituting a full table). Any other persons desiring to take part remain standing, and can only play in the event of the amount in the bank for the time being not being covered by the seated players.

The croupier, having shuffled the cards, hands them for the same purpose to the players to the right and left of him, the banker being entitled to shuffle them last, and to select the person by whom they shall be cut. Each punter having made his stake, the banker deals three cards, the first to the player on his right, the second to the player on his left, and the third to himself; then three more in like manner. The five punters on the right (and any bystanders staking with them) win or lose by the cards dealt to that side; the five others by the cards dealt to the left side. The rules as to turning up with eight or nine, offering and accepting cards, and so on, are the same as Chemin de fer.

Each punter continues to hold the cards for his side so long as he wins or ties. If he loses, the next hand is dealt to the player next following him in rotation.

Any player may “go bank”, the first claim to do so belonging to the punter immediately on the right of the banker; the next to the player on his left, and so on alternatively in regular order. If two players on opposite sides desire to “go bank”, they go half shares.

A player going bank may either do so on a single hand, in the ordinary course, or a cheval, i.e. on two hands separately, one-half of the stake being played upon each hand. A player going bank and losing may again go bank, and if he again loses, may go bank a third time, but not further.

A player undertaking to hold the bank must play out one hand, but may retire at any time afterwards. On retiring, he is bound to state the amount with which he retires. It is then open to any other player (in order of rotation) to continue the bank, starting with the same amount, and dealing from the remainder of the pack, used by his predecessor. The outgoing banker takes the place previously occupied by his successor.

The breaking of the bank does not deprive the banker of the right to continue, provided that he has funds with which to replenish it, up to the agreed minimum.

Should the stakes of the punters exceed the amount for the time being in the bank, the banker is not responsible for the amount of such excess. In the event of his losing, the croupier pays the punters in order of rotation, so far as the funds in the bank will extend; beyond this, they have no claim. The banker may, however, in such a case, instead of resting on his right, declare the stakes accepted, putting up the needed funds to meet them. In such event the bank thenceforth becomes unlimited, and the banker must hold all stakes (to whatever amount) offered on any subsequent hand, or give up the bank.

Baccarat Play Rules and Playing Options

Once you’ve made your Baccarat betting selection, how the cards are dealt and determining if you’ve won or lost are governed by a series of strict rules. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.

  1. At the start of the game, the Player and Banker hands are each dealt two cards.
  2. If the total of either hand is 8 or 9, called a natural, the game is over and no further cards are dealt.
  3. If neither hand scored 8 or 9, the game proceeds as follows:
  4. The Player goes first and draws another card if its total is 0-5, otherwise it does not draw another card. Play now proceeds to the banker.
  5. If the Banker hand totals 7, 8 or 9, the Banker does not take another card.
  6. If the Banker’s first two cards total 0,1 or 2, then the Banker draws one card. Otherwise, the Banker draws cards according to the following rules:

Banker Player’s Draw Card
Total – 0 1 2 3 4 5 6 7 8 9
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 D

Basic Play of Baccarat

During the game, the deal rotates around the table to each player akin to the way the dice rotate in craps. The player dealing keeps dealing for as long as the “Banker” keeps winning. Players who opt not to deal may pass the shoe to the next player. Each player, including the player dealing, may bet on either the player or the banker.

The player dealing puts two cards face down and tucked under the shoe, and gives the person with the greatest bet on the “Player” the other two cards, face down. That player looks at the two cards, and gives them back to the player dealing the hand. The cards are then exposed and the croupier calls the total. Depending on the totals, the dealer may announce the winning hand as either “Player” or “Banker” or instruct the player dealing the cards to deal a third and final card, with the decision based on that card. Afterward, the dealers pay winning wagers and collect losing ones. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.

Baccarat Odds

In brief, odds refer to a player’s chances of winning or losing a bet against the house. In point of fact, Baccarat is considered the casino game with the lowest house edge. Although in the past, Baccarat was a pretty complicated game, the contemporary rules are simplified and players just have to choose one out of three betting options.

The rules of the game have been established with the aim of creating a small house edge on player’s and banker’s bet and higher edge on tie bets.

The house edge on Banker bet is 1.06%, while the house edge on Player bet is 1.36%.

The house edge on tie bets jumps to the overwhelming 14.4%, but the payout is more generous than the payout on player and banker bets.

The odds for a player’s hand to win in a game of Baccarat are 44.62% and the chance for a player to lose is 45.85%. The chance for a hand to end a tie is 9.53%.

If you do not include the chance of getting a tie in your calculations, the banker has 51% win odds all the time. The low house edge makes Baccarat a preferred game by both high rollers and mass players. However, you should not underestimate the importance of the aforementioned 5% commission you are required to pay to the house.

If you are determined to win big, you are advised to bet on Banker or Player instead of opting for a tie bet.

According to other calculations, the player wins 49.32% of all non-tie bets, while the banker wins 50.68%.

Let’s presume you wager 100 credits and you expect to lose 50.68 and to win 49.32. If you take 49.32 out of 50.68, you get 1.36, which is the house edge against your bet.

As for the banker odds, they can be calculated as follows.

Let’s presume you are wagering 100 credits without neglecting the fact that you owe a 5% commission on your winning bets. Therefore, you win 0.95 credits for every credit you wager. As stated above, the banker is expected to win 50.68% of all bets, so if you multiply 50.68 by 0.95, you get 48.15. The player is expected to lose 49.32% of all bets, so if you deduct 48.15 out of 49.32, you get a difference of 1.17, which is in fact the house edge for banker bets.

As far as tie bets are concerned, they happen 9.55% of the time, which means the true odds are 9.47:1. When you divide 9.55 into 100, you get 10.47. However, you have to keep in mind that you will also receive your original bet back, so the actual odds are 9.47 to 1.

In other words, winning a tie bet leaves you with 9 and you get the house advantage when you divide 1.47 (the difference between 10.47 and 9) into 10.47. Although the house has a serious advantage of 14.4%, some players are still willing to make a tie bet because of the considerably higher payout. However, the player and banker bets are much more favorable regardless of the 5% commission they are subject to. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.


Baccarat Strategy: Playing to Win

To assist players, baccarat tables have scorecards and pencils on hand to keep track of outcomes. Most patrons use them with zeal, carefully analyzing the game’s history for trends as the results move back and forth between the player and the banker. Does it work?

The best strategy for baccarat hinges on two simple principles: lower vigorish and better money management.

In baccarat, the house has an edge of 1.24% for the Player’s hand and 1.06% on the Banker’s hand. Despite the 5% commission owed the house when betting on the Banker, since the Banker’s hand wins more often the smart money is on the Banker—every time. The “Tie” bet, with a 14.36% edge is right out.

Part two of successful baccarat is developing solid money management skills. Develop a program that keeps your wagering in check, allowing you to minimize your losses and maximize any upswings in fortune. One way to do this is to set limits on losses and establish clear attainable goals for winning. For example, players with a £1,000 bankroll could set a cap of £500. Once half of their bankroll is lost they stop playing for the day. On the other hand, if the same player were ahead £500, it’s time to consider either taking those winnings and stopping for the night, or at the least pocketing 50% of your winnings and playing with the excess. This serves to lock-in a profit and keep you in the game should your luck be running particularly hot. Regardless of what limits and goals you decide to set, do so before you start playing and stick to it. Stay on BonusCasinoStar and read more about Rules and Strategy of how to Play Baccarat.

Tips for Successful Baccarat

• Know the game. Baccarat is a game of chance and 99% of the time there is no need to know the third-card rules. However, even though the casino closely monitors play, errors happen—so be able to spot them.
• Avoid the Tie bet. An 8-1 payout may be tempting, but with a 14.36% vigorish, it’s a very bad bet.
• Always bet the Banker. Don’t be put off by the 5% tax on Bank wins. This is compensated by the fact that Banker wins more times than Player.
• Paying the commission. The commission for winning Banker bets is paid at the end of the shoe. Don’t forget to keep some money in reserve to pay the house!
• Establish a pattern of play and stick to it. Don’t keep changing and second-guessing yourself. Whether you always bet the Banker or alternate each hand, have a routine and stick to it. Switching your bet on a whim and losing can lead to frustration followed by poor choices or overly aggressive betting.
• Don’t succumb to emotion. All gambling involves swings in fortune. Sometimes you’re up, other times you’re down. When you lose money, don’t lose your head and try to get it all back immediately. Frustration coupled with rash action has been the ruin of many a gambler.
• Play smart, bet smarter. Learn to properly manage your money. That means playing games with the lowest edge, avoiding bad bets, and betting sensibly at all times.
• Don’t go back for more. If you’re losing, don’t chase after lost money. Chances are you’ll only add to your losses.

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