HOW TO PLAY BACCARAT
The object of the game is to bet on the hand that you think will have the highest possible value (nine): whether it will be the Bank (Banco), the Player (Punto), or if there will be a Tie (Standoff).
Baccarat is played from an eight-deck shoe:
- All face cards and 10's have no value.
- Aces are worth 1.
- Cards less than 10 are counted at face value.
Suits do not matter. Only single digit values are valid. Any count that reaches a double digit drops the left digit. ie: 15 counts as 5 and 25, also counts as 5.
The highest possible value is nine.
The dealer gives two cards each (always face-up): first to the player and then the banker. A third card may be dealt, to either or both, Player (Punto) and the Bank (Banco).
Since getting closer to the highest value (9) is the object of the game, getting either 8 or 9 with the first hand is called a Natural and no more cards are dealt. Obviously the only hand that will beat an 8 natural, is a 9 natural.
If the player is dealt a hand of six (6) or more, he is not dealt any more cards. If the player does not draw a third card, then the bank's hand stands on six (6) or more and takes a third card on a total of five (5) or less.
If the player is dealt a hand of five (5) or less, he will be dealt a third card and the Bank will follow the rules below to decide if it also gets a third card itself:
- If the Bank's total is two (2) or less, then the Bank draws a card.
- If the Bank's total is three (3), then the Bank draws a third card, unless the player's third card was an 8.
- If the Bank's total is four (4), then the Bank draws a third card, unless the player's third card was a 0, 1, 8 or 9.
- If the Bank's total is five (5), then the Bank draws a third card, if the player's third card was a 4, 5, 6 or 7.
- If the Bank's total is six (6), then the Bank draws a third card, if the player's third card was a 6 or 7.
- If the Bank's total is seven (7), then the Bank stands.
A winning hand on the Player (Punto) pays 1:1. ie: If the bet is $10 on a winning Player (Punto) and the Player wins, the payout will be $10
A winning hand on the Bank (Banco) pays 1:1 also; however, there is a levy of 5% on the win. ie: If the bet is $10 on a winning Bank and the Bank wins, the payout will be $10 less $0.50 = $9.50
The Tie (Standoff) pays at 8:1. ie: $10 bet will win $80 and you will get $90 back in your account: $80 won and $10 bet. If the bet is on a winning Bank or a winning Player and the result is Tie, the bet is refunded.