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Baccarat Rules

Baccarat is known for its elegance and simplicity, often associated with high rollers and sophisticated casino atmospheres. Understanding the rules of Baccarat is essential for anyone looking to participate in this classic game. This guide will break down the fundamental rules of Baccarat, making it easy for beginners to start playing.

Basic Gameplay

Baccarat is played using a standard deck of 52 cards, shuffled together. The aim of the game is to predict which of two hands (the Player or the Banker) will achieve a point total closest to 9.

The Setup

  • Players: Any number of players can bet on the outcome of each hand.
  • Dealer: Also known as the Banker, but not necessarily the casino.
  • Table: Special Baccarat tables are used, accommodating up to 14 players.

Betting Rules

Before any cards are dealt, players must place their bets. There are three main types of bets in Baccarat:

  1. Banker Bet: Bet that the Banker’s hand will win.
  2. Player Bet: Bet that the Player’s hand will win.
  3. Tie Bet: Bet that the game will end in a tie.

Odds and Payouts

  • Player Bet: Pays even money (1:1).
  • Banker Bet: Also pays even money, but a 5% commission is charged on winnings due to the slightly higher odds of winning.
  • Tie Bet: Typically pays 8:1, sometimes 9:1.

Card Values and Scoring

The value of each card in Baccarat is as follows:

  • Ace: 1 point
  • 2-9: Face value
  • 10, Jack, Queen, King: 0 points

The score of a hand is the total value of all cards modulo 10, which means only the rightmost digit of the total value counts. For example, a hand of 7 and 5 (totaling 12) counts as 2.

Dealing and Drawing Rules

Initial Deal

Each hand starts with two cards for both the Player and the Banker.

Third Card Rules

Whether a third card is drawn depends on the totals of the hands:

  • Player’s Rule: If the Player’s total is 5 or less, the Player draws a third card. If the Player has a total of 6 or 7, they stand.
  • Banker’s Rule: The Banker’s actions depend on the Player’s third card and their own total:
    • If the Player does not draw a third card, the Banker draws on a total of 0-5 and stands on 6-9.
    • If the Player does draw a third card, the Banker draws or stands according to more complex rules that consider both the Banker’s initial total and the Player’s third card.

Winning the Game

After all cards have been dealt according to the rules:

  • The hand closest to a total of 9 wins.
  • If both hands end up with the same total, it is a tie.


Baccarat’s straightforward rules and quick gameplay make it a favorite among casino players. By betting on either the Player, the Banker, or a tie, players can participate in the thrill of the game without needing to make complex decisions. As with any casino game, it’s important to play responsibly and enjoy the excitement of the game within your limits. Whether you’re playing at a casino or online, understanding these rules will help you get the most out of your Baccarat experience.