Baccarat Rules

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A player will place a wager on which of two hands (the "Player" or the "Banker") will have a total point closest to 9. Each hand will receive at least two cards but no more than three. Baccarat is played with eight decks of cards. The first and third cards dealt from the shoe constitute the "Player's" hand, and the second and forth cards constitute the "Banker's" hand.

Face cards and tens count as 0; Aces count as 1, and all other cards count as face value. If required, a third card is dealt to each hand according to specific rules outlined in the chart below. If the point value of the first two cards drawn for either hand is 8 or 9, that is known as a "Natural" and no additional cards will be drawn.

The hand with the highest point total closest to nine wins.
Winning bets are paid even money. However, a winning "Banker" bet pays a 5% commission which is withheld from winnings after each such bet.
If both hands result in identical totals, the "Tie" bet wins, paying 8 to 1. When a "Tie" occurs, all bets on the "Player" and the "Banker" are neither paid nor taken.


When the first two cards total:  
1, 2, 3, 4, 5, 0 DRAW
8, 9 STANDS (natural)


Banker Having Draws When Player's Third Card is: Does not Draw When the Player's Third Card is:
3 1-2-3-4-5-6-7-9-0 8
4 2-3-4-5-6-7 1-8-9-0
5 4-5-6-7 1-2-3-8-9-0
6 6-7 1-2-3-4-5-8-9-0
7   Stands
8-9   Natural Stands

When the player stands on 6 or 7, the Banker must draw on totals of 0,1,2,3,4, and 5, and stand on 6,7,8 and 9. The Banker must draw on totals of 0,1 or 2, then observe the rules for Banker.