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How to play Baccarat

Also called Punto Banco
1–10 players

Back the Player, the Banker, or a Tie, and then watch. There are no decisions after the bet — the drawing rules settle the whole coup.

Player and Banker pay evens, a Tie pays eight to one, and a tie hands Player and Banker bets back rather than taking them.

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Counting a hand

Only the last digit counts. Tens and face cards are nothing, an ace is one, and everything else is its face value. Eight and seven is fifteen, which is five.

Closest to nine wins. Eight or nine on the first two cards is a natural and ends it.

The drawing rules

Nobody chooses. The Player draws on nought to five and stands on six or seven. The Banker then draws or stands depending on its own total and, if the Player drew, on the exact card the Player caught.

Neither side draws against a natural.

Why Banker takes a commission

The Banker wins slightly more often than the Player, because it acts second and knows what the Player drew. The commission — five per cent of the winnings, not of the stake — is what evens that out.

Playing Baccarat with friends

One to ten seats, everybody betting on the same coup. The cards go out in the order they actually go out, so there is a hand to watch rather than a result.

Play chips only. Nothing here has cash value.

The other games