Baccarat Rules: Understanding the Basics

S.Ateljevic image
· 27 Sep 2022

Baccarat is a well-known casino game that players of all skill levels can enjoy. It is often associated with luxury and sophistication and has been featured in countless films and TV shows.

This article will go over the fundamentals of baccarat, including what baccarat is and the different types of baccarat bets. If you’re ready to master baccarat rules, then read on!

What Is Baccarat?

Baccarat is a game of chance that has a long history. The game is thought to have originated in Italy during the Middle Ages, though some believe it began in France, quickly gaining popularity among the nobility.

Baccarat has spread throughout the world over the centuries and is now, along with blackjack, one of the most popular casino games. Baccarat is now enjoyed by millions of people in casinos, online casinos, and even at home. Punto Banco (or North-American baccarat), Baccarat Banque, and Baccarat Chemin de Fer are all popular baccarat variations.

The objective is to bet on the hand that will total closest to 9. There are three possible bets: player, banker, or tie.

Player bet: A player bet pays even money.

Banker bet: A bet on the banker hand typically carries a 5% commission.

Tie bet: A tie bet pays 8-to-1.

Most casinos use eight decks of cards when dealing baccarat, but some will use six or even four. Due to its low house edge, baccarat is one of the most popular games in casinos.

Baccarat Points and Card Values

There is a maximum score of 9 in baccarat, which is also the maximum value of a hand. There is a unique scoring system that sets this game apart from others. Let’s take a look at the point system and the values of the cards.

  • Numbered cards: Cards numbered 2 through 9 have the same value as their face value.
  • Ace: The ace is worth one point.
  • Picture cards and tens: Tens and picture cards earn no points.

In order to master the rules of baccarat, it’s important to understand how point addition works. Once the point total reaches two digits, the value of the hand is immediately increased to the second digit. When the sum of the points is 10 or more, you can get the score of the hand by dropping the first digit.

A hand of an 8 and a 9, for example, adds up to 17. Drop the first digit and keep the second, and you get seven points.

baccarat table

The Specifics of the Baccarat Table

Before jumping into a game of baccarat, it’s a good idea to familiarize yourself with the rules, as is the case with any card game. Detailed below are several of the defining characteristics of baccarat:

The Dealer

The dealer, who is positioned in the middle of the table, plays a pivotal role in the casino game of baccarat. The dealer controls the cards and acts as the game’s leader. After everyone has placed their bets, the dealer will deal out two hands of cards from the shoe and the game will begin.

Betting Boxes

Bet boxes and player numbers are displayed for easy access. You can choose to bet on the player vs. banker, or a tie by checking one of the three boxes.


The table can accommodate between seven and 14 players, and it also has a designated space for the dealer. Different variations of baccarat allow for different numbers of players. Players do not share cards but have their own betting areas at the table.

The person who deals the cards is called the dealer. No matter how many people are in the game at any given time, there will always be just two hands: the player’s and the banker’s.

Commission Box

Depending on the variation, the commission box can be found next to the bank or each player’s betting area in baccarat. In baccarat, the dealer is entitled to a 5% cut of any money bet on the banker’s hand that ends up winning.

How Does Baccarat Work?

So, how exactly does baccarat work? The game’s basic premise is straightforward: players wager on who will have the winning hand, the player or the banker.

The player and banker are each dealt two cards to get as close to 9 as possible. If a player’s hand is greater than 9, 10 is deducted from the total. If a player is dealt an 8 and a 9, their total is 7 (8+9=17-10=7).

Players can also bet on a tie, which occurs when both the player and the banker have hands of the same value. Tie bets typically pay out at 8-to1 odds, but they are also more difficult to win.

After all baccarat bets have been placed, the dealer will deal the player and banker two cards each. If either player has an 8 or a 9, they will automatically win (this is known as a natural). If they don’t, they can take a third card.

The decision to take a third card is determined by a complex set of rules that take into account the values of both hands and the dealer’s up-card.

After all of the cards have been dealt, the highest-valued hand wins. The house collects all losing bets, and winning bets are paid out at odds determined by the type of bet made.

Baccarat: Third Card Rules

When it comes to the third card in a game of baccarat, there are specific rules that should be followed. If neither the player’s nor the banker’s hand totals 8 or 9, the dealer may draw an additional card for one or both hands.

Whether or not a third card is drawn for both hands depends on the total score.

When Does the Player Draw the Third Card?

In a baccarat gambling game, the player must go first, and their hand determines the banker’s hand.

  • If the player’s hand total is 6 or 7, they keep their hand.
  • If a player’s initial hand total is 8 or 9, the hand is considered a natural win, and the player draws no additional cards.
  • If the player’s hand total is between 0 and 5, the player draws a third card; if the banker’s hand total is 8 or 9, it’s an automatic banker win.

When Does the Banker Draw the Third Card?

If the player doesn’t draw an additional card, then the banker must follow the same guidelines as the player. However, the more intricate baccarat scoring rules come into play if the player draws a third card:

  • The banker draws an additional card if their two cards add up to a value of 0 through 4 but stands on a value of 5 through 7 if the player’s hand draws a 2 or 3 as its additional card.
  • According to baccarat game rules, if the player’s hand draws a 4 or 5, the banker draws an additional card if its score is between 0 and 5 or stands if its score is 6 or 7.
  • If the player’s hand receives a 6 or a 7 as their additional card, the banker draws a card with a total of 0 to 6 and stands on a total of 7.
  • If the player’s hand receives an 8, the banker draws an additional card only if its two-card total is between 0 and 2; if it is between 3 and 7, it will stand.
  • The banker draws an extra card when their hand total is 0 through 3 but may stand when it is 4 through 7 if the player’s hand draws a 9, 10, face card, or ace.

baccarat dealer

What Is a Natural Win in Baccarat?

If the point total of the player’s hand or the banker’s hand after the first two cards is 8 or 9, the game is over, and a natural win has occurred. This results in the payout of staked wagers.

Playing Baccarat in Online Casinos

Baccarat has made inroads into the world of online gambling in recent years. Players can now enjoy this classic game from the comfort of their own homes, thanks to the rise of cryptocurrency casinos.

Crypto casinos have several benefits over traditional online casinos. For one thing, they are far more secure. Because crypto casinos use blockchain technology, all transactions are completely transparent and tamper-proof. This protects both the casino and the player from fraud and gives everyone involved peace of mind.

In addition, the provably fair gambling system and similar fairness algorithms are used by many online casinos to guarantee the safety and integrity of the games offered to players.

Not only do the odds and house edge in baccarat tend to be better than in most other games, but crypto casinos also typically have lower fees and higher limits than their traditional counterparts. As a result, they are ideal for high rollers looking to maximize their winnings.

Bottom Line

To summarize, if you’re looking for a card game with simple rules and a low house edge, baccarat is the game for you. You can start by slowly improving your baccarat odds of winning by learning the game’s fundamentals.

Another article on our website covers specific baccarat strategies, so be sure to read that one as well. Of course, following the advice already presented here can increase your chances of success. Good luck!


Which hand wins most frequently in baccarat?

When learning how to play baccarat, keep in mind that the banker’s hand wins more often than the player’s hand, but the player’s hand pays out more when it does. This is due to the banker’s hand having a slight edge over the player’s.

How many cards are dealt in baccarat?

Following the placement of the wagers, the players are dealt a total of four cards face up: To begin, the dealer chooses a card from the deck and slides it into the player box. The following card is moved to the position of the banker. This process is repeated until each box has two cards.

What are the rules in baccarat?

Baccarat rules are relatively simple: The player with the total hand value closest to 8 or 9 wins the round. For starters, in baccarat, only two hands are dealt: the banker’s hand and the player’s hand.

Second, face cards (jacks, queens, and kings) have a point value of zero, Aces have a point value of one, and all other cards are worth their face value. Finally, the card suits (hearts, diamonds, spades, and clubs) do not affect the game.