Baccarat Game Rules
The baccarat game is known all over the world as a really popular card entertainment. Not sophisticated rules and good winning chances are loved by players of all ages in Australia and beyond.
Due to the growing popularity of the game, more and more gamblers are interested in how to play baccarat and what its rules are. Therefore, we have prepared a detailed guide from our experts that will answer all these questions and give the necessary examples.
Main Baccarat Rules and Gameplay
Up to 14 participants can be involved. But today the most relevant type is the mini baccarat casino game, where everything takes place at a small table. The point of it is to collect a card combination with the sum of 9 or close to it.
Depending on the card decks, the number of players and the baccarat rules, there are various types of this game:
| Type | Decks of cards | Peculiarities |
|---|---|---|
| Punto Banco | 6 or 8 | tie is paid 8 to 1, the highest winning odds, low house edge |
| Chemin de fer | 6 | the banker’s position is assigned to each player in a counterclockwise circle. The banker sets the stake. 4 cards are dealt — 2 to the banker, 2 — to others |
| Baccarat Banque | 3 | the banker position is constant. 6 cards are dealt |
| Macau | 2 | each player is given 1 card. The goal is to get a card higher than the banker’s one |
| Victoria | 2 | a type of macao, each player has 2 cards |
The most popular one is Punto Banco (also called mini baccarat).
To play baccarat game use this algorithm:
- Place your bet: on player/banker/tie or on several positions.
- 2 cards for each side are dealt.
- Cards value: 2-9 — at par, ace — 1 point, the rest — 0. If the sum is 10 or more, only the last number is taken into account.
- The 3rd card drawing, if needed.
- The hand with the higher value wins.
Banker player: 3rd card rules
If one of the sides has a combination that gives 8 or 9 in total, it is called “natural”. With a smaller amount of points, the rules for the 3rd card baccarat drawing come into play.
For the punto:
0-5 points – drawing the 3rd card. 6-7 – remains as it is.
If the player doesn’t get a card, the rules for the banker are identical. If he does, more complicated rules of baccarat are used:
| Banker’s total | Player’s 3rd card |
|---|---|
| 0-2 | regardless |
| 3 | not 8 |
| 4 | 2-7 |
| 5 | 4-7 |
| 6 | 6-7 |
At the first glance, the baccarat rules of the 3rd card drawing may seem too complicated. In fact, after playing at least a dozen hands, you will easily understand the gameplay. It’s all about skills. Therefore, to get the most out of your gambling experience, try demo mode.
How to Play Baccarat and Win
It is not known for certain where and when the baccarat card game originated. The chemin de fer was widely popular among the French nobility in the 15th century. This variation of the game was played by James Bond, just as blackjack and roulette.
But now every punter can also play baccarat online in the different online casino resources.
Advantages of Baccarat Game Online
| Play baccarat game in online casino | Offline in casino |
|---|---|
| quick access to your favorite game whenever you are | you need to spend time and money on the road to the nearest casino |
| you can instantly make a deposit and continue the game as long as you want | to continue the game, you need to buy additional chips at the checkout |
| you can play baccarat demo to study the gameplay, get used to the interface and choose the game that you like the most | you can’t play for free, only for money |
| there are games with a max win 2 000x bet | the win amount is limited by the established rules, the bet can’t be multiplied by hundreds |
| there is a large variety of gameplays and mechanics: with and without a dealer, mini baccarat, speed play, themed games, tournaments for advanced players | as a rule, in the casino hall there are several identical tables |
| won money is instantly transferred to your account | to get money, you need to exchange chips at the cash desk |
| effect of presence without leaving home | live communication and luxury atmosphere |
What is Baccarat Table and Live Payouts
There are 3 standard types of bets in the classic punto banco. You can place bets on each area simultaneously.
The payouts are usually look like this:
| punto | banco | tie |
|---|---|---|
| 1:1 | 1:1 | 8:1 (9:1) |
Sometimes side bets may be added.
Most online casino software providers offer 8 decks games. But even if there is another amount of decks, the chances of winning don’t depend on it.
So, how does baccarat work? The bet on the banker wins the most. The rarest combination is a tie. Many players deliberately bet on a tie in order to multiply their bet. But as a permanent strategy this is risky, as you can quickly lose your entire bankroll.
Odds in baccarat
| player | banker | tie |
|---|---|---|
| 44.62% | 45.85% | 9.53% |
Features of the Best Baccarat Games
We have studied hundreds of games to make this guide.
So, here what you should pay attention to when choosing a baccarat casino game:
| Parameter | Description |
|---|---|
| Bets range | In simple games there are 3 types of bets: player/banker/tie. There are also many providers who are improving their gameplay and offering a wider range of bets — baccarat big small bets, on a pair and others. |
| RTP | Card games are the most profitable in online casinos. The simplicity of baccarat rules makes it one of the most popular and demanded offers. Thus, the minimum baccarat RTP for a tie bet is 86-90%. When betting on a player or a banker, the RTP can be up to 99%. |
| Min/max bet | $0.1 – 500. There are VIP games for high rollers, where bets can be $1 000 — 50 000. You can find information about rates range by launching the demo game mode. As a rule, most casinos offer this option even without registration. |
| Functionality | Baccarat card game design differs in card style, animation, colors and table size. Many offer advanced functionality, displaying the game history down on the playing field. Some providers give the winning chances percentage when the 3rd cards are drawn. |
The obligatory requirement for any game is the casino’s profit percentage. While betting on the banker be ready to subtract 5% in case of winning. That is, with a strict mathematical calculation, the bet is paid not 1:1, as in the case of betting on a player, but 0.95:1. Taking into account that the chances of the baccarat banker winning are greater, this moment is smoothed out and the bet on the banker remains more profitable.
Some providers attract players with better conditions. For example, Habanero has a commission free baccarat, that is, even if the banker bet wins, the player still gets 1:1.
Multiple hand is another functionality variation that attracts regs. The game has 3 or 5 table sections at once, which allows you to make several bets at once, increasing your chances to win.
Baccarat Card Game Types
There are dozens of providers that offer table and live games, so every gambler can find the perfect one for himself. Some developers create only table or dealer games, others offer both formats. So if you want to really know how to play baccarat, you should try every available option yourself.
Table baccarat gameplay
A classic example of Punto Banco is the Baccarat Professional Series by NetEnt.
There is a table with 3 sectors in front of us. The bet range is $0.1 – 1 000. The simplicity of design and rules of baccarat game makes this Swedish provider’s offer the favorite gamblers’ choice.
Game runs with 8 decks (52 cards each). As for the 3d card drawing, the rules are standard here. The player is given the third card only if the sum of points is 5 and below.
Payouts are 1:1 here if the player bet wins. The prize value is the same if the banker stake wins, but with the casino’s commission 5%. The tie is estimated as nine to one.
Punto Banco
Some providers used to call their baccarat games Punto Banco. To widen your search range use this title.
Let’s have a look at Punto Banco by iSoftBet. Game’s simplicity and minimalism attract, but at the same time, you can feel a lack of dynamics while playing in the long run. It’s a game for small stakes from $0.1. We liked the function of choosing the table color. The payments are standard. For a tie – 8:1.
Super baccarat: games with bets diversity
In Baccarat 777 by Evoplay Entertainment we are offered a wide range of bets, which makes the gameplay more exciting.
You can place a bet on:
- player
- banker
- tie
- player pair
- banker pair
- pair of the same suit
- any pair
- two sevens
- natural 9 for banker
- natural 9 for player
According to baccarat rules here the winning varies depending on the drawn combination frequency. The biggest payout is for lucky sevens – 77:1. There are useful gameplay options: repeat the bet, remove chips in case of false bet, game history.
The pay table is conveniently displayed in the playing area – while placing a bet, you understand how much you can get in case of winning. The info section contains all the necessary data – payouts, rules, history, sound and screen settings.
Several hands banker player baccarat
There is a concept of multiple hands. What does this mean, how does baccarat work there? The gaming table offers to place standard bets with one difference – there are more hands – 3 or 5.
Let’s analyze such games using the example of Baccarat Zero Commission by Habanero. A 3-handed game allows you to bet on the desired amount of sections. For example, if you bet $500 per player on 1 zone and he wins, you will get $1 000. If you bet $10 with three hands, the total bet is $30. In case of win you receive $60.
Special Features in Baccarat Rules
Supplementary functionality is never extra. So, developers expand their games with statistics, design or deck amount settings. You can try free baccarat games for fun in demo mode to check whether there are some side bets or extra features.
Let’s have a look at Punto Banco by Red Tiger. In addition to expanded bets (pairs) and a choice of table design, the provider offers a Roadmap with statistics of previous winning bets. There is also the prediction table. Our team finds this option quite useful. Apart from traditional sound effects there is a voiceover narrative: each step is commented.
Another interesting game with advanced features is Premium Baccarat by PlayTech. A very special squeeze bet is offered here. The second card is not fully revealed. There are three options to choose from. So, on each hand, you can make an additional bet – not only on the game outcome, but also to predict which card is hidden.
High Rollers Baccarat Games
For adrenaline lovers there are high stakes board games. In Baccarat by FunFair max bet is $10 000. Payouts are standard: 1:1 for player’s win, 0.95:1 for banker’s win, 9:1 in case of tie winning bet.
This game will suit regs who have their own banker player strategy and are ready to win big.
The game design and main baccarat patterns are as simple as possible. There is nothing superfluous here. Classic design and intuitive interface attract with its simplicity.
Baccarat for Cryptocurrency
In order to keep up with the times, providers are developing proposals, demanded on the market. So, One Touch has table baccarat games for cryptocurrencies – bitcoin and satoshi. Available currencies can be found directly on the online crypto casino website.
Live Baccarat: How to Play
Live dealer games are always divided in a separate online casinos’ menu. Their peculiarity lies in the maximum effect of presence:
- there is a host who deals cards;
- there is a live chat where you can chat with the dealer or other players;
- high quality image immerses you in the luxurious casino atmosphere and allows you to feel all the adrenaline of gambling without leaving your home;
- in live baccarat the jackpot is available.
There is no demo mode for live games. You can’t play free baccarat with a dealer, only for real money.
If we talk about live baccarat, then the most widely represented in the casinos are games from Evolution Gaming. The Swedish provider offers a wide range of games with good playing conditions. The range of bets is sufficient. There are offers with rates ranging from $5 to $500. There are also games with a maximum bet of $3 000.
While studying live baccarat banker player games, we found many offers from such providers: Play Tech, Real Dealer, Ezugi, Extreme Live Gaming, Pragmatic Play, XPG.
Verdict on Baccarat Card Game
Summing up our analysis, we can confidently say that Punto Banco is an elegant and interesting luck-based game.
The casinos offer an amazing selection of table and live games with a wide range of bets and special features. Baccarat card game rules are quite easy. You can start with classic 1-hand table games and 3 types of bets, then gradually improve your skills, playing several hands with multiple bets and special tables.
The games with live dealers deserve special praise. Stunning gameplay, high quality images really immerse you in the atmosphere of a luxury casino. The range of bets allows both beginners and high rollers to find games for themselves.
The high RTP of all games is another reason to opt for Punto Banco.
Our verdict – playing a baccarat game is easy, the process itself is exciting. If you haven’t tried to win the natural 9 yet, don’t hesitate. And we remind you about responsible gaming principles.
Where to Apply Baccarat Rules on Practice
FAQ
According to banker player rules, if the first 2 cards have a total of 8 or 9 points, it is called “natural nine”.
According to the chances of winning, baccarat banker odds are better. Even taking into account the 5% casino commission.
The table card game assumes a playing field where the computer deals the cards. Live play implies the presence of a dealer opposite the player. Board games allow users to play baccarat games for free. This function is not possible for live games.
There are baccarat games for any currency, including crypto. The available currencies are listed in Terms and conditions of each casino. When registering, you choose a currency and should use it in all games.
Yes, there are games with super high winnings, similar to jackpot pokies. For example, we can name Progressive Baccarat by Playtech.
Sure. All users can play free baccarat with no download using any browser. Demo mode is available only for table games.
While playing the demo version a punter’s bet is not real money, so don’t expect to get real prizes. Free games are presented for getting acquainted with the gameplay and choosing the best title for you.
