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Baccarat Rules

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The baccarat rules are easy to learn; it is a very simple game and has one of the best odds of all casino games. Baccarat is played with 3 dealers and up to 12 or 14 players. Baccarat is usually played with 8 standard card decks. Aces valued as one, face cards and ten cards valued as zero, and the rest of the number cards worth their face value. The suit has no meaning. The object of the game is to get as close to 9 as possible.

The play begins by all players, including the dealer, placing their bets either on the player, the banker, or on a tie. Traditionally, the dealer bets on the banker. The dealer can be the house dealer or one of the players.

After everyone has placed their bets, the dealer gives two cards to each player and to the banker. The total of these 2 cards is added up and the score for that hand is the right digit of the total value of the cards. So if you have a 9 and a 4 then the total would be 13 so your score is 3. If you have 8 and 2 then the total is 10 so your score is 0. The scores will always range from 0 to 9 and it is impossible to bust. A third card may or may not be dealt to either or both the player and the dealer depending on the totals. If either the player or the banker has a total of an 8 or a 9 they both stand. If the player’s total is 5 or less then the player hits, otherwise the player stands. If the player stands, then the banker hits on a total of 5 or less. If the player does hit, then you can use the chart below to determine if the banker hits (H) or stands (S).

Banker’s
Score

Player’s Third Card

0

1

2

3

4

5

6

7

8

9

7

S

S

S

S

S

S

S

S

S

S

6

S

S

S

S

S

S

H

H

S

S

5

S

S

S

S

H

H

H

H

S

S

4

S

S

H

H

H

H

H

H

S

S

3

H

H

H

H

H

H

H

H

S

H

2

H

H

H

H

H

H

H

H

H

H

1

H

H

H

H

H

H

H

H

H

H

0

H

H

H

H

H

H

H

H

H

H

The Odds
Bet House edge 
Player Hand 1.29%
Bank Hand 1.01%
Tie Hand 15.75%

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