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A lot of gamblers are focusing on roulette, blackjack, and craps, but not on Baccarat. They often ignore the simplest and easiest Casino game – the Baccarat. Most people don’t even know how to play it. If you don’t know how to play Baccarat, then be smart and quickly read How to Play Baccarat before continuing. The Baccarat is probably the easiest to play of all casino games since there are only 3 possible bets that can be made. You can either bet on Banker or Player, or you can bet that Banker and Player will tie. The winning side is the side that completes its hand with a total closest to 9.

Most people approach this Baccarat game as if the Player and Banker have an equal chance of winning. this is not true. A winning bet placed on Player pays even money but a winning bet placed on Banker pays even money less a 5% commission for the house. Even with the 5% commission charged, the house edge is still slightly less when you bet on Banker (1.17%) than when you bet on Player (1.36%).


You are expected to keep score when playing baccarat. Almost everyone does. The casino will actually furnish you score cards and usually a pen or pencil as well. You may use their score cards or bring your own notebook or score sheet. That is also quite acceptable.Players keep track of the decisions in order to execute a playing strategy (most people use one of some kind) or to help them catch patterns and runs.


All cards from two to nine are counted at face value and an Ace is counted as one. Picture cards (Jack, Queen and King) count as ten and tens are counted as zero. When adding card totals together only the right-hand digit will be counted. The suit does not matter. Play begins by all players betting either on the ‘player’, ‘banker’, or a tie.

I put player and banker in quotes because that is the correct terminology but they do not necessarily represent the dealer or the actual players. After all bets are down the dealer gives two cards each to the player and the banker. The score of the hand is the right digit of the total of the cards. For example if the two cards were an 8 and 7, then the total would be 15, and the score would be a 5. 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 following Baccarat rules. If either the player or the banker has a total of an 8 or a 9 they both stand. This rule overrides all other rules. 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 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

When comparing the player and the dealer, whoever has the greater score wins. Winning bets on the banker pay 19 to 20 (or even money less a 5% commission), winning bets on the player pay 1 to 1, winning bets on a tie usually pay 8 to 1.

You may wonder how the dealer collects the 5% commission on winning banker bets. If they did so every hand it would involve a lot of change and slow down the game. To avoid this during the course of play the dealer will pay even money to winning banker bets and consider the 5% an IOU. As the dealer plays Baccarat through an eight deck shoe he/she will keep track of the commissions every player owes. At the end of the shoe or when a player wants to leave mid-shoe the dealer will collect on the commissions. Make sure you don’t run out of money with outstanding commissions.

Another Baccarat Example:

Ace(1)+5=6 Hand Total=6

10(0)+3+6=19 Hand Total=9

9+5=14 Hand Total=4

The Baccarat game begins when the cards are shuffled and placed in a dealing device called a Shoe.

Four cards are then dealt; the first and third cards are the Player’s hand, the second and fourth cards will be the Banker’s hand.

The Dealer announces the initial point total and should either hand add up to eight or nine, this hand is called a Natural and no further cards are dealt. If neither hand is a Natural, one additional card may be dealt to each hand.