Baccarat Rules

The aim of Baccarat is to assemble a hand with a point value totaling as near to 9 as possible. Aces are worth 1, 10s and picture cards are worth 0 whilst all cards from 2-9 retain their face value. If the value of the hand amounts to a two-digit total, disregard the first digit. The last digit represents the baccarat point value.

Some examples:

7 + 6 = 13 (point value: 3)

4 + 6 = 10 (point value: 0)

You can choose to place your bet on the banker’s hand, the player’s hand or on a tie. Once you have wagered your bet, the player and banker are dealt two cards each.

Some cases may require an additional card to be dealt (see Third Card Rules). All cards are dealt from a 6 deck shoe and each round sees the decks thoroughly shuffled.

Remember, the player with the hand closest to 9 is the winner.

Payouts:

A successful player bet pays 2:1.
A successful banker bet pays 2:1. Please note that 5% commission will apply (vigorish).
A successful tie bet 9:1.
All non-tie bets are restored in the event of a tie.

Third Card Rules:

The baccarat rule table applies in the event that the player and/or the banker are dealt an additional third card.

Player

Point Value of First Two Cards:
0 – 1 – 2 - 3 – 4 – 5	Player draws a card.
6 – 7	Player stands.
8 – 9	No additional draw– a 'Natural hand'.

Should the player chose to stand, the banker can hit on a total of 5 or less. Should the player choose to hit, then consult the following table to determine the banker’s action.

Banker

Point Value of First Two Cards Dealt:	Draw if the player’s third card is:	Does not draw if the player’s third card is:
0 – 1 – 2	Always draws a card.
3	0 – 1 – 2 – 3 – 4 – 5 – 6 – 7 – 9	8
4	2 – 3 – 4 – 5 – 6 – 7	0 – 1 – 8 – 9
5	4 – 5 – 6 – 7	0 – 1 – 2 – 3 – 8 – 9
6	6 - 7	0 – 1 – 2 – 3 – 4 – 5 – 8 – 9
7	Always Stands
8 – 9	Player does not draw	Player does not draw

Important: If the player or the Banker totals 8 or 9, they must both stand. This Rule takes priority and overrides all additional rules.