How to Play Baccarat


Have you ever wondered how to play Baccarat? If you’ve been to a casino, you’ll most likely notice this simple table game that has become a crowd favorite. The game is quite simple enough to understand for first time players. In this game, there are three outcomes that can happen and these are Player Win, Banker win, and there is the tie. Keep in mind though that the term, “Banker”, doesn’t mean the house or the casino that you are playing in. Baccarat players will have the option to bet on the player or the Banker or both if they prefer. [1] The same rules apply when you play Baccarat online in your choice of casinos.


In the game of Baccarat, either a six or eight decks of cards are put in a shoe with a cut-card placed at the end to identify what will be the last hand that will be dealt from the shoe. Once all the players are settled in the table, you will be placing your bet on either the Player or the Banker. A two-card hand is dealt to both the player and the banker spots. The first card will be dealt to the player spot then the Banker. When the cards are dealt, the player’s hand will be turned over first with the dealer announcing the total. The Banker’s hand will also be turned over to determine the total. [2]


Once the hands are dealt, the dealer will then announce the total of the cards for the player and the banker. To give you an idea on the value of the cards dealt, tens and all face cards are equal to zero while the rest are of face value. The ace card, however, is worth one point. When the total of the hand is more than 10, the second digit becomes the value of the said hand. Let’s say you have a 9 and a 6 which is worth 15 points. Since it is more than 10, the second number becomes the total of the hand which is 5. For you to win, your hand must be closer to 9. Once all cards are dealt, calculate the winning hand


What is the “natural” win in Baccarat? Simply put, if the first hands that were dealt is equal to 8 or 9 for either the dealer or the banker, it is called a natural win and the game for that round is done. Winning bets are then cashed out.


There is always room for a third card in Baccarat especially when your hand totals 0 to 5. However, if the banker already has an 8 or a 9, the Banker wins. Since the player’s hand is done first, you will not get an additional card when it totals 8 or 9. Player will stand on a total of 6 or 7 while a third card is drawn when the cards are 0 to 5.


With regards to the Banker’s hand, when the player stands or when he or she doesn’t draw a third card, the banker, when their hand is equal to 0 to 5, they will draw. A total of 6 or 7 means that they will stand, while the rest of the hands will be dependent on what the third card of the player is. Here is a list of possible draws:

  • Player’s third card is 9, 10, face card or Ace, the banker will draw when his cards are a total of 0 to 3 but will stay with 4 to 7.
  • If the third card of the player is 8, the Banker will then draw if his cards’ value is 0 to 2 or stays when a 3 to 7.
  • If the third card is a 6 or a 7, the banker will draw when his cards are a total of 0 to 6 but will stay when he has 7.
  • If the third card of the player is 4 or a 5, the banker will only draw if he has 0 to 5 but stays with a 6 or a 7.
  • If the third card is a 2 or a 3, the banker will draw when he has 0 to 4 but stays with 5 to 7.


The winning hand is the hand that has a total of 9 or closest to it. If there is a tie, it means that neither won the game. A commission is sometimes given when you place a bet on the Banker’s hand.


With regards to the rules of Baccarat, the game is usually played on a table where 14 players can join where each player can bet is marked from 1 to 15 with the 13th number usually being skipped due to superstition. There are three boxes in front of each player where they can place their bets namely, Player, Banker, and Tie. All players should place their bets on one of the three boxes. The dealer will deal the card for the player and the banker using 6, 8, or 9 decks of cards depending on casinos which are then re-shuffled for every new hand.

The goal of the game is to get a total of 9 or closest to it. What’s great about this game is that the rules are already predetermined. You only need to decide where to place your bet. After all the bets are placed, the dealer will then deal the cards for the Player and Banker until a winner is determined.[3]



Learning how to play the game based on the Baccarat rules and win at the same time requires some Baccarat strategy. Here are a few tips that you can start with:

  • Never bet on “tie”. The house edge should be considered when it comes to playing Baccarat so you will get a chance to win rather than lose money. In casinos, two of the bets here have low house edges and these are Player and Tie with the latter being the worst at 14.4%. This house edge means that you are going to lose a lot for every hundred that you wager so avoid it at all cost. It is always a good idea to learn about the house advantage so you will know where to place your bet in the game.
  • Bet on the Banker until it loses. A banker bet is always a good idea in Baccarat as the house edge for it is considerably high. If it is on a winning streak right from the start, keep at it. However, go easy on your betting because going on a winning streak doesn’t mean that you have to be aggressive with your bets.
  • Manage your money. Managing your real money when it comes to playing Baccarat is important as betting most of it in the game can make you end up with losses. A good trick here is to set a budget or units that you want to play then, when it is done, go and take a break such as taking a walk, take a nap, and what not. If you are on a winning streak, cut your winnings by half, then use one half to play more. When you end up losing all, you still have half of your winnings to take with you. [4]


If this is your first time to play the game of Baccarat in land-based casinos or online casinos, it is always nice to hear something from the experts. One expert recommends that you watch the Baccarat table from the gallery first, meaning standing behind another player, and observe the game, if you notice that the Player or Banker is winning every hand, place your bet there. A good rule of thumb is to start small with your bet then raise it at least 25 to 50 depending on the game. Make sure that you have a limit to your bet so you will know when to quit. [5]


Baccarat games tend to vary but the rules are almost always the same. But what is the difference between playing Baccarat versus Mini Baccarat? In Baccarat, player banker alternate among the players, where they pass the shoe, or the decks of cards used, after each hand to the player next to them. On the other hand, in Mini Baccarat, the live dealer is always the Banker with the Players not handling the cards at all. The rules are still the same with it being the winning card should be a 9 or close to it. [6]


You don’t really need to be part of the high rollers to be good at playing mini-baccarat in a casino. It’s all about learning the rules, using some strategies, and managing your money. You will find mini-baccarat not in the usual game baccarat tables where most of the high stakes are placed but usually near the Blackjack tables. You’ll find that the table for this game come in different shapes and sizes but the rules are still the same even when you play baccarat online.

In this game, 8 to 9 decks are played with a Player, Banker, and Tie for you to place your bet on. The goal here is to reach a hand with a total of 9 or closer to it. The banker player can draw another card if their card is 0 to 5 with the third card of the banker depending on the third card of the player. The player’s hands is always the first to be completed. If you place a bet on a Tie game, this means that you are betting that the cards of the player and banker will have the same value. [7]

You can always test baccarat online free if you want to get a feel for the game especially when it comes to player bet, banker bet, and tie. You can check out a casino for any online game of baccarat where you can wager virtual money instead of the real deal for a while until you are ready to play the real deal.

How To Play Baccarat Online - Easy Explanation & Tips To Win
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How To Play Baccarat Online - Easy Explanation & Tips To Win
[QUESTION] How do you play baccarat? [ANSWER] In the game of Baccarat, either a six or eight decks of cards are put in a shoe with a cut-card ...
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