In the game of Baccarat players bet on which of 2 hands, the player's (Player) or the banker's (Banker), will be closest in value to 9 or if the hands will be tied (Tie). The game is played with 8 decks of cards, which are shuffled regularly by the dealer.
Ace = 1
Face cards and tens = 0
All other cards carry the point value stated on the card. If the cards in a hand
total more than ten points, simply subtract ten to obtain the baccarat point
value of the hand. (Example: 8+8=16, but counts as 6.
Jack+7=17, but counts as 7.)
A two-card total of nine is the best hand and is called a
"Natural". The second-best hand is a "Natural" 8.
If both the player and banker are dealt identical hands, the game ends in a Tie.
To place a bet, select your chip value and then click directly on the Player, Tie or Banker areas on the table. Once the timer has run down the dealer will begin dealing the cards. If there is a game in progress you will need to wait until it has completed before placing a bet.
The dealer will deal 2 cards for the player's hand and two for the banker's hand. If the value of either hand is 8 or 9 (a natural) the hand is complete and no further cards are dealt. Otherwise cards are dealt by the third card rules below.
At the end of the game winnings are paid as follows:
| Winning hand |
Odds |
| Banker (receives 5% commission) | 0.95 to 1 |
| Player | 1 to 1 |
| Tie | 8 to 1 |
The optimal theoretical return-to-player percentage for: