Baccarat is also known as Punto Banco or Chemin de Fer. The present-day versions of Baccarat are the French variation of an Italian game called “Baccara”. It was first introduced to France at the end of the 15th century, where it was considered a game of the nobility. While modern versions of Baccarat are simple to master and fun to play, they are still considered as some of the most sophisticated games in a modern casino.

Baccarat is a game of chance between the player and the banker. The goal of the game for the player is to draw a two- or three-card hand with a value closer to 9 than the banker’s hand.

Baccarat is also known as Punto Banco or Chemin de Fer. The present-day versions of Baccarat are the French variation of an Italian game called ‘Baccara’. It was first introduced to France at the end of the 15th century, where it was considered a game of the nobility. While modern versions of Baccarat are simple to master and fun to play, they are still considered as some of the most sophisticated games in a modern casino.

Baccarat is a game of chance between the player and the banker. It is played with a six-deck or an eight-deck shoe with a standard deck of 52 cards. The goal of the game for the player is to draw a two- or three-card hand with a value closer to 9 than the banker’s hand.

The player and the banker are initially dealt two cards. Depending on the point value of their hands, a third card may be dealt for each hand. But no hand receives more than three cards. If either hand totals 8 or 9, each of these numbers is called a “Natural”, then no additional cards are dealt. The winning hand is the one with a point total closest to 9.

Card Value

• An Ace is counted as 1.
• The cards from 2 through 9 have their face values.
• 10, Jack, Queen, and King are counted as 0.

The value of a hand is simply the sum of point counts of each card in the hand. But only the last digit of the total is used, so all baccarat hands have values in the 0 to 9 range, inclusive. The hand containing 9, A, A is valued as 1 (9 + 1 + 1 = 11, the last digit is 1). If the hand contains (9, 7), its total value is not 16, but 6.

The hand with the higher value wins; if the hands have the same value, the result is a tie. The player’s hand is always played out first.

How to Play

Placing bets

Bets are placed at any of the three possible positions: on the player’s hand to win; on the banker’s hand to win, and on the possibility of a tie. Thus, bets must be placed on Banker, Player or Tie spots.
Note: Bets can be placed on all of the spots at one time, but only for the central player.

To place a bet, use betting chips found at the bottom right part of the table. To select a chip, click the desired chip with the left mouse button. You may need several chips to reach the desired bet amount; in this case the stack of chips will be formed on the spot chosen. To place a chip, use one of the ways provided below:

• Click on a spot where to place the selected chip.
• Drag and drop the chosen chip on the desired spot.
• Click Repeat button to place a bet equal to the previous one (Note: in case it is your first bet, Repeat control is disabled).

The total bet amount value is displayed in a small square beside the chips placed. The betting limits are displayed in the frame at the top left side of the game table.

Removing /Decreasing a bet

To remove a bet completely or decrease its value, you need to remove a chip (chips) placed. You may do it in several ways:

• Click and drag chips from the table to the betting chips area.
• Select ‘X’ chip and then click the chip/stack of chips placed. The chips will be removed one by one.
• Press CTRL and then left click the chip/stack of chips placed. The chips will be removed one by one.
• Use Clear control to remove all the chips currently placed on the table.

Dealing

Click Deal button to start dealing cards. Once the button is clicked, both you and the Banker are dealt two cards. The first and third cards are dealt to the Player’s hand, the second and fourth - to the Banker’s hand. If necessary, a third card will be dealt, after which the game will end.

If either the player or the banker has a point total 8 or 9 (natural stand) with the first two cards dealt, no more cards are dealt and the winner is the one with the highest value. However, if neither the player nor the banker holds a hand with a point total of 8 or 9, the Third card rule will be invoked.

Note: To start playing a new game round, use New Game button; to repeat the bets placed in the previous game, use Repeat control.

1.5 Game Results / Payouts

Player’s and banker’s hands are evaluated and compared, which hand sum is closer to 9. Hand totals are calculated in accordance with Card Values rules.

To display hand results, small flags (WIN, LOSS, TIE) appear next to every hand indicating whether a hand wins, loses or it is a tie (hand totals are equal).

Losing bets will be collected and the winning bets will be paid according to the rules of the house.

1.6 Third Card Rule

Depending on the points accumulated by each hand after the initial draw, the Banker may need to deal a third card. It is drawn face up, first to the Player’s hand and then, if necessary, to the Banker’s hand. No more than one additional card per hand may be dealt. The drawing of the third card is governed by the following fixed rules (refer to the tables below).

Player’s hand:

If the Player or Banker has an initial total of 8 or 9, this is a “natural” and neither Player nor the Banker draw further cards.

Banker’s Hand:

The banker’s third card rule may depend on the third card drawn for the player.

When Banker’s total is 3-6:

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