Choose your bet
Before the deal, bet on the Player hand, the Banker hand or a Tie. The table uses eight standard 52-card decks in a shoe. One person can bet, while others may also join at a physical table. Here the wagers use virtual chips only.
Comparing · Casino banking · 2+ players
Baccarat.
Pick the outcome, then watch two hands race to a total of nine.
Practice chips 100.00Round 0Shoe 416 cards
P
PlayerHand total
—Awaiting cards
B
BankerHand total
—Awaiting cards
Place a bet
Choose a side and a virtual-chip stake.
01 How to play
Closest to nine
wins.
This table plays Punto Banco, a modern Baccarat variant. You bet on the outcome of two hands called Player and Banker. Neither hand belongs to you; both draw automatically by fixed rules.
Card values
Aces count 1. Cards 2 through 9 count their face value. Tens, Jacks, Queens and Kings count 0. Add a hand's cards and keep only the final digit: a 7 and 8 make 15, so the Baccarat total is 5. Nine is the highest possible total.
First two cards
Deal two cards to Player and two to Banker. If either hand totals 8 or 9 immediately, it is a natural. Both hands stand, and the higher total wins. If they tie, the result is Tie.
Player's third card
If there is no natural, the Player hand draws one card on a total of 0 through 5. It stands on 6 or 7. The person betting on Player does not choose whether to draw.
Banker's third card
If Player stands, Banker draws on 0 through 5 and stands on 6 or 7. If Player drew, Banker draws on 0, 1 or 2; on 3 unless Player's third card is worth 8; on 4 if that card is worth 2–7; on 5 if it is worth 4–7; and on 6 only if it is worth 6 or 7. Banker stands on 7. These values refer to the card drawn, not Player's new total.
Results and payouts
Compare the final one-digit totals. A winning Player bet earns one chip of profit per chip staked. A winning Banker bet earns 0.95 per chip after a 5% commission. A winning Tie bet earns eight per chip. If the hands tie, Player and Banker bets push: the original stake is returned.
02 History & variants
More than one
Baccarat.
From banking game to casino staple
Baccarat has long been a family of banking games rather than a single fixed format. French and English accounts describe older games in which the banker and opponents could make decisions about the third card. Punto Banco later became the familiar casino form, with the draw rules printed in a table so every hand follows the same procedure.
The names on a Punto Banco table are easy to misread: “Player” and “Banker” identify the two hands. A visitor may wager on either one, including Banker, without dealing cards or holding the bank.
Two older variants
In Chemin de Fer, players can take the banker role and make some drawing choices. Baccara Banque, also called Baccara à deux tableaux, uses two opposing player groups against one banker. Their turn order, bank and betting differ from the automatic Punto Banco table above.
Casino tables also vary in the number of decks, commission and side bets. This version states its eight-deck shoe, 5% Banker commission and 8:1 Tie payout above the table so its results are clear.