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Two hands are dealt in Baccarat - The Banker's hand and the Player's hand. Prior to each deal, the player wagers on whether the Player's hand or the Banker's hand is closest to a total of 9. The player also has the option to wager on a tie (i.e. both the banker's and player's hands total the same). 8 decks of 52 cards are used.

How to Play

Betting: Your chips are stacked by denomination ($1, $5, $25, $100, $500) at the bottom of the game window. Select the amount you would like to wager on a given hand by clicking the left mouse button on the chip of that denomination to activate it.

Next, place your bet on the Baccarat table by clicking on a bet field. To specify a bet that is not equal to an existing chip denomination, simply click on another chip denomination after placing your previous chip on the table. For example, to bet $30, click on the $25 chip and place it on the table then click on the $5 chip and place it on top of the $25 chip.

By clicking on the right mouse button you will withdraw your entire wager. Your total bet will be displayed in the "Bet" just below "User". You may repeat your last bet by clicking on the shortcuts which are summarized below. If you place a wager that is lower than the minimum table bet limit, your bet amount will be automatically adjusted to the minimum bet amount.

Dealing: After the player has pressed either the Deal or Pass button, the Player and Banker are dealt two cards. All tens and picture cards are worth zero, aces are worth 1, and all other cards are worth their face value. If the value of cards exceeds 9, then the value is adjusted by subtracting 10 from the total.

Hand Hand Total
9+7=16 6
5+5+5=15 5
10+9=19 "Natural" 9

After the first two cards are dealt to both the Player and Dealer, a third additional card may be dealt but the player does not ask for a third card. All additional cards are subject to a "Third Card Rule". No hand receives more than three cards. When the Player and Banker hands equal the same total, the hand is declared a Tie. If the value of the cards in either the Player's Hand or the Banker's Hand is an 8 or a 9 (a "natural") after receiving their initial two cards then no more cards shall be dealt to either hand. If the value of the cards in the Banker's hand on the first two cards is 0 to 7 inclusive, the Player's hand shall draw in accordance with the "Third Card Rules".

Third Card Rules:

If the Player's two cards total:

Player's Hand Draw?
0-5 Player's hand must draw
6-7 Player's hand must stand
8-9 "Natural" (both hands stand)

After the Player's Hand acts on a third card draw, the Banker's Hand receives a third card according to these rules:

Banker's Hand Draw?
0-2 Banker's hand must draw
3-6 Third card to Player's hand determines draw or stand
7 Banker's hand must stand

When the Banker's two cards total between 3-6:

Banker's Hand Banker's hand draws when Player's third card is: Banker's hand does not draw when Player's third card is:
3 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 Banker's hand must stand Banker's hand must stand
8-9 "Natural" - Bank stands "Natural" - Bank stands

If the Player's hand stands on two cards (6,7), then a two card Banker hand totalling 3,4,5 must draw and a Banker hand totalling 6 must stand.


Wager and Result Payoff
A winning Player hand wager 1 to 1
A winning Banker hand wager
(5% commission on winnings for the House) 1 to 1
A winning Tie wager 8 to 1

If the hand that you bet on wins, you are paid 1 to 1. If you bet on a tie, you win eight (8) times the amount you originally bet. Please note that if you win when backing the Banker's hand, the House charges a small percentage.

Betting Limits:

$5 minimum bet.
$300 maximum bet.

Setting your table bet limit:

You may also set your table bet limit below the maximum specified limit by selecting Bet Options from the Game Menu. The Modify Table Bet Limit window will appear on the screen. To reduce your maximum table bet limit type in the new limit in the appropriate box and confirm it by typing your PIN in the box below. Click on the OK button to complete the update. Please be aware that you can modify your table bet limit no more than once per week (Friday 12:00 AM EST) and that using the Modify Table Bet Limit function affects the bet limit for all games and not just the game that you are currently playing.

Numeric Keyboard Shortcuts:

Keyboard Entry Action
0 Repeat last bet
Enter Deal
1 Bet on Player Hand
2 Bet on Banker Hand
3 Bet on Tie
Up Arrow Increase bet by $1
Down Arrow Decrease bet by $1
"Shift + Up Arrow" Increase bet by $10
"Shift + Down Arrow" Decrease bet by $10
Del or . Remove bets

For keyboards without keypads, you must use the "Fn" key plus the shortcuts above (e.g. + Enter). Please note that these keyboard shortcuts are offered as a suggestion only. Some computers behave differently than others and therefore we cannot guarantee that the shortcuts will apply to all computers.

A list of the previous winners is displayed on the left hand side of the screen. The Banker's hand is indicated by the letter 'B', the Player's hand is indicated by the letter 'P' and a tie is indicated by a dash '-'. Consecutive wins by either the Banker or the Player are displayed in the same column. A new column is displayed when the Banker or Player starts a new winning streak. A tie is considered part of the same winning streak and is always displayed in the same column as the previous winner.

Playing Tips

The objective of baccarat is for the players to correctly guess which of three possible propositions will win on the next round: Bank, Player, or Tie. Two cards are dealt to the Bank hand and two cards are dealt to the Player hand. Sometimes a third card is dealt to either or both hands. Whichever hand is closest to nine is the winner. The game is usually dealt from a six- or eight-deck shoe. All tens, jacks, queens and kings equal zero. The ace equals one. All the other cards equal their face value. Thus a nine equals nine, a two equals two and so forth.

After the Bank and Player hands have received two cards it is possible that either or both might need to draw an extra card. The rules for drawing cards are predetermined and essentially irrelevant since the players do not get to make any decisions. Regardless of whether a card is drawn, at the end of the deal, the hand that totals nine or closest to nine wins.

A winning Player hand is paid off at one to one. Thus, if you bet ten dollars, you win ten dollars. A winning Bank hand is paid off at .95 to one. This means that if you bet ten dollars, you win $9.50.

Another way to look at the Bank wager is to consider it a one-to-one payout minus a five percent commission on winning bets. This commission is collected after the shoe is finished.

The Tie hand is paid at eight to one. Thus a winning tie bet of $10 will return $80. If you bet on either Bank or Player and the Tie wins, you do not lose your bet. It is a push.

The Tie bet has a 14.1 percent edge in favor of the casino. The house has a 1.36 percent edge on the Player bet and a 1.17 percent edge on the Bank bet when the bank charges a five
percent commission.

Baccarat Winning Systems

Choose which hand you choose to play, the player's hand (pays 1:1), the banker's hand (pays 1:1 less a 5% house commission), or a tie (pays 8:1). The player and the banker then receive 2 cards each. The object of the game is to attain a total as close to 9 as possible. Aces are worth 1, face care and tens are worth 0 the remaining cards are worth their face value. If the total of the hand exceeds nine, the value of the right digit is taken. For example, a 9 and a 6 (15) would equate to 5.

The rest of each round is dictated by the following rules:
If either the player's or the banker's hand totals 8 or 9, neither player receives a third card and the hand closest to nine wins.
If the player stands, the banker will also hit on a total of 5 or less and will stand on a total of 6 or more.
If either the player's or the banker's hand totals 8 or 9, neither player receives a third card and the hand closest to nine wins.
The player's hand will always hit on a total of 5 or less and will stand on 6 or higher.
If the player stands, the banker will also hit on a total of 5 or less and will stand on a total of 6 or more.
If the player takes a third card, the banker proceeds based on the following table. The banker's response is based on the player's third card.
If the hand ends up tied, the tie bet pays 9:1 and all other bets are pushed back.

The drawing of cards in baccarat is purely a matter of chance. Any tips that you get for this part of the game will be bogus. In fact the better side is pure chance as well, a novice has the same chance as an experienced player.

The best tips we can give you then are the odds so you can keep these in mind when you're on a roll or starting to bet.

If you want to bet on the player hand just put your money in the area marked "player". A will get you $1 for every $1 you bet. The casino advantage on the player bet is about 1.36%

If you want to bet on the banker hand, place your bet in the area marked "banker". If you win, you will get even more money as well, but you'll have to pay a 5% commission on the amount you win. So, if you won $10 on your bet, you would owe a $.50 commission to the house. The 5% commission is only required if you win and not if you loose. The dealer will keep track of the amount you owe by putting equal amount in a small area on the table that corresponds to your seat number at the table. So, if you're sitting at seat #3 and won $10 on the bank hand, the dealer would pay you $10 and the put $.50 in the #3 box. This lets him know how much you owe the casino in commissions and when you get up to leave the table you'll have to pay the dealer whatever amount is in that box. After adjusting for that 5% commission the casino advantage on the banker bet is 1.17%.

Finally, if you place your bet in the area marked "tie" and if you win you'll be paid at 8-to-1, or $8 for every $1 you bet. The big payoff sounds nice but actually this is a terrible bet because the casino advantage is very high, 14.1% and this bet should never be made unless you feel extraordinarily lucky. Still, sometimes you just have to take the big risks to net the big wins.