How to Play Baccarat: A Comprehensive Guide

Baccarat is a popular table game that originated in Italy in the 14th century. It has since become one of the most beloved games in casinos worldwide, thanks to its simplicity and elegance. Unlike other casino games that require a high degree of skill, Baccarat is a game of chance that can be enjoyed by players of all levels. In this article, Baccarat9 team will explain how to play this game and provide you with all the information you need to get started.

Table of Contents

How to play Baccarat
How to play Baccarat

Baccarat Rules and Objectives

Baccarat is a simple guessing game at heart. Participants in the game place their bets on which hand they think will win: the player’s hand or the banker’s hand. Alternatively, they can bet on a tie. Two cards are dealt to both the player and the banker. Depending on the first two cards dealt, the player or banker may draw an additional card – this is known as taking a third card.

Before the first round commences, the dealer will burn (discard) one card face up so its value can be seen by all players. Following this step, they will discard as many cards from their deck equal to the number revealed on said burnt card before placing it at seventh from last position – known popularly as ‘the cut-card’. Now comes your chance to make a wager; you may choose Player, Banker or Tie bets for each round. Then two cards are distributed both for player’s side and banker’s alternating with each consecutive deal until every participant has received their respective hands!

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The cards dealt can be either face up or down, depending on the version of the game being played. While this does not influence the outcome whatsoever, having them face down adds to an atmosphere of suspense and anticipation which is further heightened if a “natural” occurs – when any one hand holds 8 or 9 points. If no natural arises, additional cards may then be distributed until someone confiscates the victory!

After all cards have been dealt, bet winners are rewarded. Generally speaking, a successful Player bet yields 1:1 while the Banker pays out 1:1 minus a 5% fee. Moreover, winning Ties offer 8:1 or 9:1 in some games. On top of that, there exist No Commission Baccarat games where both bets pay 1:1 – with an exception for when the Banker wins with 6 which gives 0.5 instead of one to one payout ratio.

Baccarat Card Values

In baccarat, cards are worth their face value, with the exception of 10s and face cards, which are worth 0. Aces are worth one point. If the total value of the hand exceeds 9, the score is the second digit of the total. For instance, a total of 15 would count as 5. When the total value of a hand exceeds 9, the first digit is dropped, making the total value of the hand 7 or less. For example, a hand consisting of a 6 and an 8 would have a total value of 4, not 14. The goal of the game is to predict which of the two hands, the banker’s or the player’s, will have a point value closest to 9. 

Baccarat Card Values
Baccarat Card Values

Different Baccarat Variants

There are various baccarat variations, each with its slight differences. Traditional baccarat, also known as “baccarat à deux tableaux” or baccarat banque, has slightly different rules and a different baccarat table layout. Meanwhile, Mini Baccarat, a popular version of the game, is played with the same rules but a smaller table, making it more accessible to casino-goers.

Online games, including live dealer versions, have gained popularity for their convenience and varied stake levels. They offer an excellent opportunity to practice techniques and become comfortable with the pace of the game before playing at a physical table.

Baccarat Drawing Rules

Baccarat is a casino card game that is played between two hands, the “Player” and the “Banker.” The goal of the game is to bet on which hand will have a higher total value of cards, with a maximum value of 9. Here are the drawing rules for baccarat:

  1. If either the Player or Banker has a total value of 8 or 9 after the initial deal, this is called a “natural” and no further cards will be drawn.
  2. If the Player’s total value is 6 or 7, they will stand and not draw any additional cards.
  3. If the Player’s total value is 0-5, they will draw a third card.
  4. If the Banker’s total value is 7, they will stand and not draw any additional cards.
  5. If the Banker’s total value is 0-2, they will draw a third card.
  6. If the Banker’s total value is 3-6, their third card will depend on the value of the Player’s third card:

After the drawing rules have been followed, the hand with the highest total value (up to 9) will be declared the winner. In the event of a tie, the bets on the Player and Banker will push, and the Tie bet will be paid out.

Third Card Rule

In the game of baccarat, whether or not to draw a third card depends on specific rules. If the player or the banker has a total of 8 or 9 with the first two cards, it’s considered a “natural win”, and no additional cards are drawn. If the player has a total of 6 or 7, they stand and don’t draw a third card. However, if the player’s total is 5 or less, they must draw an additional card.

The rules for the banker’s hand are slightly more complex. If the player does not draw a third card, the banker will draw a third card on a total of 5 or less. However, if the player draws a third card, different rules dictate whether the banker may draw an additional card.

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Baccarat Game Types of Bets

Baccarat stands out as one of the simplest games to learn due to its three main bets that appear uncomplicated at first. However, these wagers posses nuances worth knowing if you are looking to sharpen your playing strategy and maximize your chances for success. Though seemingly insignificant, understanding each bet is paramount in determining how best to proceed with Baccarat!

Player Bet

Placing a wager on the Player win displays tremendous potential as it promises to yield higher returns than its Banker counterpart, all while maintaining an incredibly low house edge of just 1.24%.

Banker Bet

Make a wager on the Banker to have higher value than the Player and benefit from an incredibly low house edge of just 1.06%. This is due to third card rules that work in favor of this bet, which is why there’s a 5% commission charged when you win with Banker bets in conventional baccarat rounds.


Placing a bet on two winning hands in baccarat having the same value once all cards are dealt is incredibly risky. Despite this, in games that pay 8:1 for a Tie, there remains an enormous house edge of 14.4%. However, if you’re playing at 9:1 for a Tie game then the house edge drops to 4.85%, making it more worth your while!

How to play Baccarat and win
How to play Baccarat and win

Player or Banker Bet in Game of Baccarat

Typically, the banker hand has a slightly higher probability of winning compared to the player hand, which is why there is usually a commission charged on bet on the banker. However, the decision of which hand to bet on ultimately depends on the player’s personal preference and risk tolerance.

Baccarat Tips

Although Baccarat online is a game of chance, there are some strategies that can help increase your chances of winning. Here are some tips:

  1. Bet on the banker’s hand: The banker’s hand has a slightly higher chance of winning than the player’s hand. However, keep in mind that a 5% commission is taken from the winnings.
  2. Avoid the tie bet: The tie bet has not a best odds, so it’s best to avoid it.
  3. Keep track of previous hands: Baccarat has a history of previous hands displayed on the table, which can be used to help determine which hand to bet on
  4. Learn bankroll management: When you have an unlucky streak, never try to make up for it by betting more than what is in your budget. Start off small and establish a clear boundary between when you should stop playing or keep going. Once the money from that session has been utilized, it’s best to quit and come back at another time with fresh eyes – this will help prevent large losses!
  5. Use betting strategies: Optimize your bankroll and extend your playtime with a betting system! When utilized effectively, these systems can minimize losses and help you make the most of any gaming session.
  6. Before you consider making a side bet, evaluate the payouts and house edge carefully: While the payouts of these games might seem quite alluring, never forget that their house edge is exceptionally large. Thus, it’s wise to stay away from them.
How to play baccarat online
Learn How to play baccarat online

Best Baccarat Strategies and Betting Systems

Baccarat is an exciting game of pure chance, with no strategies or systems that you can use to increase your chances of winning. When bets are placing, all you can do is sit back and watch as the cards are dealt – and hope for luck on your side!

While there’s no guaranteed way to win at Baccarat, certain betting strategies and systems exist that can help manage your bankroll and reduce losses. Easy to learn and use yet not considered nefarious, it may be worth considering any of the following betting systems:

With Baccarat comes the lure of side bets, as they have far larger payouts than the main options. Though it’s wise to keep in mind that these wagers usually possess a huge house edge and are extremely tough to win. Although you shouldn’t avoid placing them altogether, you must budget for them carefully with precautionary measures in place.

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Use Side Bets when Playing Baccarat Online

Side bets bring an intriguing twist to the game, offering a plethora of betting opportunities and more chances to succeed. Side bets are optional wagers placed on a Baccarat round apart from the player’s or banker’s victory, or a tie. Most of these side bets must be made before cards have been dealt alongside regular ones and they frequently come with predetermined odds that guarantee higher payouts than the maximum 8:1 provided by common stakes.

Baccarat Pattern Spotting

Countless gamblers mistakenly presume that the results of prior rounds in a game can offer them insight into what will happen next. To do this, players utilize scoreboards called ‘pattern spotting’, which they use to record past outcomes and attempt to predict future ones. Both physical and virtual casinos accept these practices; while in-person establishments are provided with pen and paper, online versions showcase windows displaying the preceding round’s outcome within any given game. Operators recognize that past outcomes cannot affect the following rounds of a game and, as such, this strategy is not viewed as guaranteed to win. In scoreboard, there are five types:


Baccarat is a fun and exciting game that can be enjoyed by players of all levels. By following the rules and strategies outlined in this article, you can increase your chances of winning and become a pro in no time. Remember to bet responsibly and enjoy the game!


  • Can Baccarat be played online?

    Yes, You can play Baccarat anytime and anywhere without ever leaving your home. With the top online casinos offering baccarat, you can now enjoy all the thrills of this classic game from the convenience of your own home. Be sure to read our casino reviews for recommendations on where to find the best baccarat games and bonuses.

  • What are the rules for playing Baccarat?

    The rules for playing Baccarat are relatively straightforward. To begin, each player must place a bet on either the Player, Banker, or Tie space on the table before any cards are dealt. The Dealer then deals two cards to both the Player and Banker positions. If either of these hands has a total of 8 or 9, this is called a natural and no further cards are drawn. If neither hand has a total of 8 or 9, the Player may draw an additional third card if their current total is 5 or less. The Banker will then draw depending on the Player’s choice and his own total. Winning bets are paid out according to the payout scale listed on the table.

  • Is Baccarat a high-stakes game?

    A game of Baccarat can offer precisely that, as it’s a low-stakes game that offers plenty of thrills. It is by no means a high-stakes game, so there’s no need to worry about taking too much risk when playing. However, if you’re looking for something with higher stakes and rewards, then you can opt for various side bets and progressive strategies. Either way, Baccarat is a great game to get you started at the casino!

  • Are there any strategies to increase my chances of winning at Baccarat?

    Yes, there are several strategies to increase one’s chances of winning at Baccarat. One way is to learn the rules and understand the odds of each bet so that you can calculate which is more likely to result in a win. It can also help to have a detailed knowledge of the game, such as recognizing patterns in past outcomes and spotting when the Banker or Player are likely to win. Additionally, if you’re playing online, it’s smart to read reviews of different casinos and pick one with a high RTP (return-to-player) rate.

  • Can I count cards in Baccarat?

    Card counting is a technique that can be used to increase the odds of winning in games like blackjack and baccarat. While it’s not illegal to count cards in either game, it’s not necessarily allowed or recommended. Card counting is much more difficult than it is in other casino games due to the fact that all cards are dealt face down and shuffled regularly. Some casinos may ban players who they suspect of counting cards, so it’s best to err on the side of caution.

  • Is pattern spotting an effective strategy in online baccarat games?

    Pattern spotting can be an effective strategy. By closely observing the patterns of past outcomes, players can gain insight into the tendencies of the Banker or Player and make more informed decisions on their bets. Additionally, recognizing trends in the game can help players to analyze and predict future results. However, it’s important to note that no pattern-spotting strategy is foolproof, as the results of any game are completely random.

Terence Summers port
Author Terence Summers

Baccarat expert and gambling author with more than 10 years of experience. He has developed his own approach to the game of baccarat, which he shares in his well-researched and informative articles.