Tutorial - How to play Baccarat

Part of what makes Baccarat a major game is that it's so simple. The Player's decision is set to choosing what kind of bet to make. From there on it's in the dealer's hands and you collect or pay off once it's over.

In Mini Baccarat, which is the only edition most of us will ever see in play, you don't even get the choice of handling the cards. In the "heavyweight" games of European Baccarat they get to cut up the cards if they like just for personal amusement. On the other hand they're dropping $1000 or more a hand and you can bet that that buys a lot of replacement cards.

Betting
Bet on your own hand (Player) and you face a house edge of 1.24%. Bet on the Banker's hand and the edge is either 0.6% if there's a 4% House cut or 1.06% is their cut is 5%. Finally there's the Tie bet which at best gives the house almost a 5% edge (Pay 8:1) and at worst 14+% (Pay 9:1). Forget the Tie bet for visible reasons. Unless you can find a game with 4% vig on Banker bets, betting Player or Banker is six of one, half a dozen of the other.

How to play Baccarat

Strategy
The first thing a casino player asks themselves when stepping up to a game is "how do I improve my odds?" The answer in Baccarat is easy: you don't. Other than keeping off the Tie bet there's nothing you can do.

Objective
• The objective of Baccarat is to draw a two- or three-card hand that totals closer to 9 than the banker.
• 10, J, K, Q count as 0, A is a 1 and all other cards are face value.
• If your total is more than ten, you drop the ten. So a 7-9 hand totals to 6 (16, drop ten).
• There's no such thing as a "bust" hand.
• The banker and the player each draw two cards.
• If either the player or bankers total 8 or 9, both automatically stand, no exceptions.
• If the player's total is 6 or 7, the player stands.
• If the player stands, the banker hits on a total of 5 or less.
• If the player's total is 5 or less, the player automatically hits and the banker gives the player a third card.

If the player receives a third card then the banker draws a third card according to the following:
• Banker's hand totals 0,1,2: Banker always draws a third card.
• Banker's hand totals 3: Banker draws if Player's third card is 1-2-3-4-5-6-7-9-0 (not 8)
• Banker totals 4: Banker draws if Player thirds 2-3-4-5-6-7
• Banker 5: Banker draws if Player thirds 4-5-6-7
• Banker 6: Banker draws if Player thirds 6-7
• Banker 7: Banker stands.
• At one time the final cards are dealt, the one with the total closest to 9 wins.

Playing online
Broadly speaking, two options currently exist; RNG games where outcomes are computer generated, or live dealer baccarat (best play options) where the deal is from a real deck of playing cards.