Online Casino Games

Baccarat

Baccarat is a gambling card game. It is supposed to have been introduced into France from Italy during the reign of Charles VIII of France (ruled 1483-1498). There are three accepted variants of the game: baccarat chemin de fer (railway), baccarat banque (or a deux tableaux), and punto banco (or North American baccarat).

Baccarat (pronounced Back-a-rah) is a simple game with only three possible results - 'Player', 'Banker' and 'Tie'. The term 'Player' does not refer to the customer and the term 'Banker' does not refer to the house. They are just options on which the customer can bet.

Baccarat is an unusual game in that any score of 10 is worth 0 (or 'Baccarat'). The highest score that can be achieved is 9. Two picture cards would have a score of 0. A 9 and a 6 would not equal 15 but 5. (Minus the first digit) An ace counts as 1 and the rest of the cards retain their face value.

Punto Banco (North American Baccarat)

In the United States, Australia and Canada, a variation of baccarat is played in which the casino banks the game at all times. Punters may bet on either the player or the banker, which are merely designations for the two hands dealt in each game.

The cards are dealt, one to the 'Player' first then to the 'Banker', 'Player' then 'Banker' again. Each has two cards. This is the initial deal. Both cards in each hand are added together and the croupier calls the total. (e.g. five to the 'Player', three to the 'Banker') From this position the 'Tableau' or table of play is used to determine if further cards need to be drawn. A maximum of three cards per hand may be drawn to achieve a winning hand. Therefore the object of the game is to bet on the hand with the highest total.

The Tableau is as follows:

Pictures and 10s count as 0. If the initial deal has a hand totalling 8 or 9 no further cards are drawn.

• If the 'Player' has an initial total of 0, 1, 2, 3, 4 or 5, the 'Player' draws another card.
• If the 'Player' has an initial total of 6 or 7, the 'Player' stands and draws no further card.
• If the 'Player' has an initial total of 8 or 9, this is a natural and neither the 'Player' nor the 'Banker' draw further cards.

• If the 'Banker' has an initial total of 0, 1 or 2, the 'Banker' draws another card.
• If the 'Banker' has an initial total of 3, the 'Banker' draws another card when the 'Player's' third card is anything but an 8.
• If the 'Banker' has an initial total of 4, the 'Banker' draws another card when the 'Player's' third card is a 2, 3, 4, 5, 6 or 7.
• If the 'Banker' has an initial total of 5, the 'Banker' draws another card when the 'Player's' third card is a 4, 5, 6, or 7.
• If the 'Banker' has an initial total of 6, the 'Banker' draws another card when the 'Player's' third card is a 6 or 7.
• If the 'Banker' has an initial total of 7, the 'Banker' stands and draws no further cards.
• If the 'Banker' has an initial total of 8 or 9, this is a natural and neither the 'Player' nor the 'Banker' draw further cards.

• If the 'Banker' has an initial total of 0, 1, 2, 3, 4 or 5 and the 'Player' has an initial total of 6 or 7 and stands, the 'Banker' draws another card.

• The 'Banker' must stand on 6 when the 'Player' has a 6 or 7 on the initial deal.

The croupier will deal the cards according to the tableau and the croupier will announce the winning hand - either 'Player' or 'Banker'. Losing bets will be collected and the winning bets will be paid according to the rules of the house. Usually even money or 1-1 will be paid to the player and 95% to the 'Banker', 5% commission to the house. (Commission Baccarat) Some casinos pay even money or 1-1 to both 'Player' and 'Banker' except when the 'Banker' wins with a total of 6. Then the 'Banker' will be paid 50% or half the original bet.

Should both the 'Banker's' hand and the 'Player's' hand have the same value at the end of the deal the croupier shall announce "Egalite - tie bets win." All tie bets will be paid at the odds of 8-1 and the croupier shall not touch the bets on either 'Player' or 'Banker'.

The traditional form of punto banco baccarat is played at an oval table, similar to the chemin de fer version. The table is staffed by a croupier, who directs the play of the game, and two dealers who collect and pay bets as well as tallying commissions due. Six or eight decks of cards are used, normally shuffled only by the croupier and dealers. Like chemin de fer, the shoe is passed around from player to player, who acts as the dealer of the cards and as "banker," but he or she does not actually bank the game. Indeed, the "banker" may bet on the player hand if he or she wishes, or may pass the shoe along to another player