Rules of Punto Banco: How to Play Punto Banco in 2024

Baccarat is a popular card game that has been played for centuries. Punto Banco Baccarat, also known as American Baccarat, is one of the most popular variations of this game. In this article, our Baccarat9 team will explore the rules, strategies, and tips for playing Punto Banco Baccarat.

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What is Punto Banco Casino Game?

Punto Banco is a popular casino game and a version of Baccarat that can be played online or in a live casino. It is one of the most popular table games worldwide and has even made appearances in James Bond movies. The objective of the game is to achieve a total value of 8 or 9 with the cards dealt, referred to as “Punto” or “Banco.” Punto represents the player’s hand, while Banco represents the bank’s hand. The drawing rules in Punto Banco are predetermined, making it easy for players to follow. The card values in this game are assigned differently compared to traditional poker games, with the face cards having no value and the Ace counting as one. The game is played with eight decks of cards, and two cards are dealt face down to each side. Players place their bets on either Punto or Banco, aiming to predict the winning hand. Bets placed on the bank have an even-money payout, while bets on Punto pay out at the same odds. In the event of a tie, bets placed on a tie variation are paid out accordingly. Punto Banco is known for its simplicity and is enjoyed by players in various parts of the world, whether they choose to play online or in the glamorous casinos of Las Vegas. Punto Banco Baccarat is a game played with six to eight decks of cards at the shoe. The objective of the game is to bet on Punto(Player) or Banco(the Banker) hand, or on a tie. The hand with the highest total value of cards closest to nine wins.

Punto Banco Rules and Objectives: How to Play 

The game starts with the dealer dealing two cards each to the player and banker positions. The values of the cards are then added up, and if the total exceeds 9, the second digit is used as the score. For example, if a player has a 7 and a 6, the total is 13, but the score is 3.

If the player or banker has a total of 8 or 9 with their first two cards, this is called a natural and no additional cards are drawn. If the total is 6 or 7, the player will stand, and the croupier takes a third card if their total is 5 or less. If the player has a total of 5 or less, they will draw a third card.

The hand with the highest total value of cards, up to a maximum of 9, wins. If both hands have the same total, it is a tie, and bets on the player or banker are returned.

Card Values

This version follows the same scoring system as other versions: 10s, Jacks, Queens and Kings have no value while Aces are worth one point. The rest of the cards hold their face values in points. To reach a hand’s total score, add up your first two card draws; if this adds up to a double-digit number then subtract ten from that sum – for instance 6+8=14 – 10 = 4 would result in four points for your hand.

Punto Banco Online
Punto Banco Online

Table Layout and Card Drawing in Punto Banco

The game is played at sizeable baccarat tables, which can accommodate up to 12 or 14 players with two dealers and one banker. In more confined areas like smaller rooms or online games, the table size may be reduced as in blackjack or mini-baccarat. For placing their wagers, there are specifically marked boxes on the table for betting on Player (Punto) and Banker (Banco). Additionally, a third box exists for Tie bets called Egalite Betting Boxes. The dealer shuffles six to eight decks of cards before each round so that no player has any sort of advantage over others during playtime. Subsequently, participants place either their stakes into Punto’s box; Banco’s section;or if they feel lucky enough – onto the Egalite bet box!

With all the wagers in place, the player to the dealer’s right draws four cards and passes them to the casino employee. The dealer then sets these cards face down on the table – two for Player and two for Banker. Dealing is completely taken care of by casino workers as opposed to Chemin de Fer where players are responsible for shuffling and passing out their own cards.

Card Drawing

Additional cards can be drawn during a game of Punto Banco Baccarat based on the total value of the Player and Banker hands. The following rules apply:

Rules for the Player

The rules for the Banker are slightly more complex because his hand is drawn last and whether a third card is drawn depends not only on the initial cards dealt for the Player hand, but also on any additional cards drawn based on the above-described rules.

Rules for the Banker

Punto Banco Rules
Punto Banco Rules

Betting Options in Punto Banco Online

There are three main betting options in Baccarat:

The odds for betting on the player and banker hands are almost even, but there is a commission of around 5% charged on bets placed on the banker hand.

Strategies for Playing Punto Banco

One of the most popular strategies for playing Punto Banco Baccarat is the Martingale system. This involves doubling your bet every time you lose, with the idea that you will eventually win and recoup your losses. However, this can be a risky strategy, as it requires a large bankroll and there is no guarantee that you will win.

Another popular strategy is to bet on the croupier hand, as it has a slightly higher chance of winning than the player hand. However, this strategy can be expensive due to the commission charged on croupier bets.

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Tips for Playing Punto Banco Baccarat

  1. Always bet within your means and set a budget for your gambling session.
  2. Keep track of your wins and losses to help you make better decisions.
  3. Take advantage of bonuses and promotions offered by online casinos.
  4. Practice playing for free before betting real money.
  5. Don’t chase losses, and know when to walk away.
Punto Banco Rules
Punto Banco Rules

Play Online Free Punto Banco

Punto Banco online is identical to playing in a land-based casino since the dealer handles all card activity, such as shuffling and cutting. Don’t worry—there’s still plenty of excitement! Playing online can be even more thrilling when you join a live casino with clear HD streaming and immersive views of the table. You’ll get an interactive experience that will set your heart racing every time.

By customizing the game to match your bankroll and aesthetic preferences, you can take advantage of various betting limits. To top it off, the live chat option allows for an ultra-realistic gaming experience by enabling you to interact with both dealer and other players at the table!

Punto Banco RNG games offer a variety of betting limits and demo modes, like NetEnt’s free version seen below. This game is composed of six decks with bet limits ranging from €1 to €100, as well as standard payouts: 1:1 for Player, 1:0.95 for Banker, and 1:9 for Tie. What makes this edition truly remarkable are its graphics – absolutely stunning! Plus additional features like history tracking, audio controls and an in-depth help section make the experience even more enjoyable on all devices you could use to access it!

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Best Casinos to Play Punto Banco

When it comes to playing Punto Banco, there are several top-notch casinos that offer an exceptional gaming experience. These casinos provide a combination of quality gameplay, attractive bonuses, and a wide range of betting options. Here are some of the best casinos to play Punto Banco:

  1. Las Atlantis Casino: Known for its sleek design and user-friendly interface, Las Atlantis Casino offers an immersive Punto Banco experience. With generous welcome bonuses and a diverse selection of table games, including Punto Banco, players can enjoy an exciting and rewarding gaming session.
  2. Betway Casino: Betway Casino is a renowned online casino that offers an extensive collection of games, including Punto Banco. With a sleek and intuitive platform, players can easily navigate through the site and place their bets. Betway Casino also provides competitive promotions and a secure gaming environment.
  3. 888 Casino: As a well-established online casino, 888 Casino delivers a top-notch Punto Banco experience. The casino boasts an impressive selection of table games, including Punto Banco variations, ensuring players have plenty of options to choose from. Additionally, 888 Casino offers a mobile-friendly platform, allowing players to enjoy Punto Banco on the go.
  4. Mostbet Casino: Recognized for its mobile gaming excellence, Mostbet Casino provides an outstanding Punto Banco experience. The casino offers a wide range of table games, including Punto Banco, with smooth gameplay and a user-friendly interface. Mostbet Casino also features enticing bonuses and promotions for both new and existing players.
  5. Royal Panda Casino: Royal Panda Casino is known for its extensive game library, and Punto Banco is among the popular offerings. With a user-friendly interface, players can easily place their bets and enjoy the thrill of Punto Banco. The casino also provides reliable customer support and secure payment options.

These casinos have proven to be reputable and reliable platforms for playing Punto Banco, offering an immersive gaming experience and a chance to test your luck and skill in this captivating card game.


Punto Banco Baccarat is an exciting and fast-paced card game that can be enjoyed by players of all skill levels. With its simple rules and multiple betting options, it is easy to see why it is such a popular game. By following the strategies and tips outlined in this article, you can increase your chances of winning and have an enjoyable gaming experience.


  • Is Punto Banco the same as regular Baccarat?

    Punto Banco is similar to regular Baccarat but with a few subtle differences. Both versions involve betting on either the player or banker position, and the hand with the highest total value wins.

  • How is the commission on banker bets calculated?

    The commission on Banco bets is usually around 5%, and is calculated based on the amount of the bet.

  • Can I play Punto Banco online?

    Yes, many online casinos offer Punto Banco as part of their selection of games.

  • Is Punto Banco a game of skill or luck?

    While there are some strategies that can be used in Punto Banco, it is primarily a game of luck.

  • What is the minimum and maximum bet in Punto Banco?

    The minimum and maximum bet can vary depending on the casino or table you are playing at, but they are typically displayed on the table. It is important to check the minimum and maximum bet before playing.

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.