Baccarat is a sophisticated game originating in Europe. Players can wager on the player, the banker, or a tie, while trying to obtain a total card value closest to nine. Two hands of two cards are dealt, one representing the player’s hand and one representing the banker’s hand. Depending on the value of the hands, a third card may be drawn for each hand. The winning hand is the one with a card total closest to nine.

Let's Play! | Rules | You Win!

back to the topLet's Play!

At the beginning of each game you are required to place a wager. This amount appears in the betting areas on the table top.

  1. Select a chip value of either $1, $5, $10, $25, or $100.
  2. Click on each betting area until the number of chips displayed equals the amount you wish to bet. Bets, can be placed on the player’s hand, the banker's hand, a tie or a combination of the tie bet and one other bet. You cannot place a bet on the player and banker in the same game.
  3. To reduce your bet amount, right-click the betting circle to remove chips. Your bet will be reduced by the amount of the currently selected chip.
  4. Click Deal. Both you and the banker will be dealt two cards face up. Depending on the cards received, both parties may be dealt an additional third card. A winner is determined.


back to the topRules

Baccarat uses a four deck shoe.

No hand receives more than three cards.

When the player and banker hands are equal then the hand is declared a tie.

Tens and face cards are worth zero, aces are worth one, and all other cards are worth their face value. If the value of a hand exceeds nine, then the value is adjusted by subtracting 10 from the total as shown below.

Hand Actual value
+ = 15
+ + = 18
+ = 19
Natural 9
+ = 8
Natural 8


Third Card Rule

After the first two cards are dealt to both the player and banker, a third card may be dealt, subject to the Third Card Rule. The player's hand is always played first followed by the banker's hand. The following tables illustrate how the player's hand determines how the banker's hand will be played out.

The following table explains how to complete the player's hand.

If a player's cards total: The player must:
0-5 Draw a third card
6-7 Stand
8-9 Stand (Natural)

Once the outcome of the player's hand has been determined the following table can be used to complete the banker's hand.


If a banker's cards total: The banker must:
3-5 Draw a third card
6+ Stand


If a banker's cards total: The banker must draw when the player's third card is: The banker must stand when the player's third card is:
0-2 1,2,3,4,5,6,7,8,9,10  
3 1,2,3,4,5,6,7,9,10 8
4 2,3,4,5,6,7 1,8,9,10
5 4,5,6,7 1,2,3,8,9,10
6 6,7 1,2,3,4,5,8,9,10
7   1,2,3,4,5,6,7,8,9,10


back to the topYou Win!

If you place a winning wager the payouts are as follows:

Winning Wager Payout
Player hand wager


Banker hand wager 1:1 (less 5% house commission)
Tie wager 8:1

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