Baccarat Gameplay

How does a game of Baccarat unfold? Well, let’s start with the quick version:

  1. You choose to bet on Player, banker, or Tie
  2. The croupier deals a card face-down to the Player area, then the Banker area
  3. and then another one to each area, also face-down
  4. then they’re turned over (so why deal them face-down? Skip a step! Geez…)
  5. the cards are added up for each. An 8 or 9 “natural” ends the round immediately (go to #8), otherwise:
  6. the Player stands on 6 or 7, and draws on 0-5
  7. the Banker stands or draws depending on what the Player just did.
    • If the Player stands, the Banker stands on 6 or 7, and draws on 0-5 (just like the Player!)
    • if the Player’s 3rd card was 2 or 3, the Banker will draw on 0-4 and stand on 5 to 7
    • if the Player’s 3rd card was 4 or 5, the Banker will draw on 0-5 and stand on 6 to 7
    • if the Player’s 3rd card was 6 or 7, the Banker will draw on 0-6 and stand on 7
    • if the Player’s 3rd card was 8, the Banker will draw on 0-2 and stand on 3 to 7
    • if the Player’s 3rd card was Ace, 9, 10, or a face card, the Banker will draw on 0-3 and stand on 4-7
  8. The croupier announces “Player”, “Banker” or “Tie” (“Egalité”, if you’re in Monte Carlo)
  9. Money changes hands:
    • Player bets win even money (1 to 1)
    • Banker bets win slightly less money (usually 1 to 1 minus 5% to the house)
    • Egalité bets win 8 to 1 odds

These are the nuts and bolts of Baccarat. You can now visit any online casino USA or elsewhere and play Baccarat like the high-rollin’ VIP that you are.

Since the cards themselves determine what will happen, you don’t even really NEED to know this much — but just like in online slots, the difference between a beginner and an expert is understanding what you’re seeing happen in front of you rather than just pressing buttons — though the results will be the same.

I didn’t even mention the fact that there are other types of Baccarat besides Punto Banco. There’s also chemin de fer and banque (also known as à deux tableau). The latter two variants are complex enough to require a page of their own.

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