Basics and Rules about Baccarat Game

Baccarat is thrilling, engaging and full of suspense. It is simple to learn as well as play. Baccarat is a French term, and in Italian, it is called Baccara (zero) suggesting the face cards point values.

Three dealer’s responsibilities

A full scale 14-palyers baccarat table is administered by three dealers. None of them actually deal the cards. A ceremonial passing of shoe that holds eight deck of card allows each player to slide the card in turn.

The callman turns the cards face-up, after the bettors placing money on shoe deals. The callman calls the total points of each hand, announcing whether any hand gets another card. It is based on the hit or stand rules of the game.

The number (1, 2… 12) on the table indicates each bettor’s position. Before numbers, bettors have lined-off area, where a banker and player bet is placed. Corresponding numbers of each bettor are in front of the callman. Every time a bettor wins banker bet, a marker is placed in the box by the dealer. Bettors are required to pay 5% commission, when they win banker bets, therefore these wagers are monitored.

How to play Baccarat?

Players get two options for betting, and they are Banker (Banco) or Player (Punto), as well as there is the rarely applied ‘Standoff’. Bank hand does not belong to the house and player hand belongs to bettor.

Banker versus Player

It does not matter how many people play, only 2 hands are dealt at one time. Everyone participating gets to bet on any one, but the one holding the shoe must wager on banker (compulsory) or pass the shoe.

The play

  • Cut card is inserted 16 cards from shoe end. When this card is drawn, it indicates the last hand.
  • After each player makes their bet, two card hand is dealt for player and banker spot, one at a time beginning with the player
  • All the bets depend on the total of these two hands
  • Totals are compared and rules are applied to decide, if player or banker will receive 3rd
  • Aces count 1, and cards with faces and tens have no value. Single digits are valid.

Objective of the game

The player or banker hand that gets close to total ‘9’ is the winner

Player’s 3rd card rule

  • Dealer turns the player’s hand first and calls the total
  • Next the bankers card is exposed
  • No card gets drawn, if the total stands within 6 to 9
  • If the total is five or less then they receive the third card
  • Total of 8 or 0 is natural and automatic winner against banker hand except 8 or 9
  • If totals are equal, the hand is tie

Banker’s 3rd card rule

Banks total                                         Players 3rd card total

  • 2 or less –                       In any case bank is allowed
  • 3 –                       hits 8
  • 4 –                       9, 8, 1 or 0
  • 5 –                       7, 6, 5, or 4
  • 6 –                       6 or 7
  • At 7 the bank stands

Bankers act last, so they get a little edge over players bet. Banker bet has 1.06% edge (low) on the house, which includes the commission, and player has 1.24% house edge. In tie bet, there is a huge 14.4% house edge.