Baccarat Rules

You won't find many games that are easier to play than baccarat. Simply place a wager on the banker, the player or the tie and wait until the casino tells you whether you've won or lost.

However, in order to understand what's going on there's a bit more to take into consideration. Having said that, compared to other casino games baccarat rules are still fairly simple.

It's for this reason that the game has become very popular with online and land-based casino players who are all looking to try their luck. Despite its simplicity, a common perception of baccarat is that it's very tough to play with many players opting for blackjack instead.

If you're one of these people, then have a read of this guide to baccarat rules and you'll see just how simple the game is to play.

An easy game to learn

  • The aim of the game is to get a baccarat score as close to nine as possible.
  • If a player or the banker receives a baccarat score of 8 or 9, it's called a 'Natural'
  • You can bet on either the player's hand or the banker's hand or a tie.
Winning Banker Bet Winning on the banker bet with a 'Natural' hand

Baccarat - Basically Easy

The object of online baccarat is simple. There are two hands named the banker and the player. Despite the names of these hands, you can actually bet on either one of them, as well as having the option to bet on a tie.

Regardless of which hand you choose, you are betting on which one will achieve a baccarat score as close to nine as possible. This score is made up of the card totals that are dealt. Two cards are dealt originally, with a third card being dealt if the score of the first two cards is low.

Should either hand receive a baccarat score of 8 or 9 then it is called a 'natural' but this doesn't necessarily mean that it will win the game.

Baccarat scores are worked out by adding the card totals that have been drawn and dropping the tens unit.

Baccarat Card Values

Effectively the values of cards in baccarat are as follows.

2 - 9
Face value
10 and face cards

A simple example

  • 7 + 6 = 13 which is a baccarat score of 3.
  • 8 + K = 18 which is a baccarat score of 8.

The 5% Commission

While the payout for both the banker and the player hands is 1:1, when you win with a bet on the banker a 5% house commission is charged. This is because the banker's hand is statistically more likely to win and even with the commission it's still a better bet.

Should both hands end on the same baccarat score then the result is a tie and anyone who bets on the tie wins at 8:1 or 9:1. While this is obviously the biggest baccarat payout, don't be tempted to bet it as it is by far the worst bet in the game.

Third Card Rules

We briefly mentioned the drawing of a third card above and in case you aren't really sure what happens or why it does then do read on.

The following baccarat rule chart shows when the player and the banker hands will automatically be dealt a third card.

Player Hand
Baccarat Score of First Two Cards Action
0, 1, 2, 3, 4, 5 Draw a new card
6, 7 Stands
8, 9 Natural hand
Banker Hand
Baccarat Score of First Two Cards Draw when the Player's Third Card is Doesn't Draw when the Player's Third Card is
0, 1, 2 Always draws a card
3 0, 1, 2, 3, 4, 5, 6, 7, 9 8
4 2, 3, 4, 5, 6, 7 0, 1, 8, 9
5 4, 5, 6, 7 0, 1, 2, 3, 8, 9
6 6, 7 0, 1, 2, 3, 4, 5, 8, 9
7 Always stands
8,9 Player can't draw Player can't draw