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BACCARAT RULES

   

 

Online Baccarat Rules

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 Baccarat

Payouts
Winning bets on banker or player are paid 1:1, but a standard commission of 5% is charged on bank bets making the net odds on such bets 0.95 to 1. Tie bets are usually paid 8:1 at online casinos, but you might be able to find casinos where tie bets are paid 9:1. If there is a tie, bets on the banker or player are returned.

Once a bet has been placed, there are no opportunities for further decisions -- both the banker hand and the player hand are dealt according to fixed rules, resulting in final hands of either two or three cards for each.

Card values
The value of a hand is determined by adding the values of its individual cards. Tens and face cards are counted as zero, while all other cards are counted by the number of "pips" on the card face. Only the last digit of the total is used, so all baccarat hands have values in the range 0 to 9 inclusive. The hand with the higher value wins; if the hands have the same value, the result is a tie.

A game is started by dealing two cards for the player hand and two cards for the bank hand. An initial hand with a value of 8 or 9 is called a "natural." If either hand is a natural, its holder must expose it and the game ends. Otherwise play continues, first with the player hand and then with the banker hand, according to the following rules.

Rules for the player hand - If the player's first two cards total 6 or more, then the player must stand without drawing a card. If the player's first two cards total 5 or less, the player must draw one additional card.

Rules for the banker hand - If the banker's first two cards total 7 or more, then the banker must stand without drawing a card. If the banker's first two cards total 0, 1, or 2, then the banker must draw one card. If the banker's first two cards total 3, 4, 5, or 6, then whether the banker draws is determined by whether the player drew, and if so the value of the player's draw card, as shown by the table below:

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