Comparing · Casino banking · 2+ players
Baccarat.
Pick the outcome, then watch two hands race to a total of nine.
Choose your version
Which Baccarat will you play?
Choose the card and banking rules before taking a seat.
Place a bet
Choose a side and a virtual-chip stake.
Choose the opening bank.
You are the banker.
Choose a tableau and a stake.
Closest to nine
wins.
Follow a sample Punto Banco round in the illustrated guide, then consult the complete rules below. The variant selector above the table shows which versions are playable.
Illustrated guide
See how a round unfolds.
These examples are separate from the live game.
Complete rules
These are the rules of Punto Banco. Choose Chemin de Fer above to see its illustrated guide and complete rules.
Origin & history
Baccarat is a family of banking games documented in France by the nineteenth century. Earlier versions gave participants some control over the bank and over taking a third card. Punto Banco is the later streamlined form in which those card decisions follow a fixed table. Its development is associated with Cuba in the mid-twentieth century; it subsequently reached casinos elsewhere.
Objective
Choose whether the Player hand, the Banker hand or neither will finish closer to nine. The words “Player” and “Banker” name the two hands; they do not identify your role. You choose an outcome and a stake before the deal, then the cards are played automatically. This site uses virtual practice chips only.
Equipment & setup
The digital game shuffles eight standard 52-card decks into one shoe, without Jokers. It starts with 100 practice chips. Before each round, choose Player, Banker or Tie and stake 5, 10, 25 or 50 chips, provided you have enough chips.
Each round deals two cards to Player and two to Banker. Player and Banker are single shared hands even if several people bet at a physical table.
Gameplay
An Ace counts 1, cards 2–9 count their printed value, and Tens, Jacks, Queens and Kings count 0. Add the card values and keep only the final digit. For example, 7 + 8 = 15, so the hand is worth 5. Nine is the highest possible hand total.
If either opening two-card hand totals 8 or 9, it is a natural: neither hand draws. Otherwise Player draws a third card on an opening total of 0–5 and stands on 6 or 7.
Banker's action depends on Player's action. If Player stood, Banker draws on an opening total of 0–5 and stands on 6 or 7. If Player drew, Banker draws on 0–2; 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 tests use the value of Player's third card, not Player's new hand total.
Neither the bettor nor the house chooses whether a hand draws. The digital table applies the full third-card rule automatically and reveals the steps in order.
Scoring & points
Compare the final totals: the hand nearer nine wins. Equal totals are a Tie. A winning Player bet returns the stake plus equal profit (1:1). A winning Banker bet returns the stake plus 95% profit (0.95:1), reflecting a 5% commission. A winning Tie bet returns the stake plus eight times the stake in profit (8:1). When the hands tie, Player and Banker bets are a push and their stakes are returned.
These are payouts in practice chips, not points accumulated toward a match target. The balance is shown above the table.
End of game & winning
A round ends as soon as both hands have stood and their final totals have been compared. You may continue with the same shoe while you have enough practice chips for a stake; the digital game reshuffles before a round when fewer than 20 cards remain. Start a new session to reset the balance to 100 chips.
Variants
Punto Banco uses fixed draw rules; the bettor chooses the stake and outcome. Mini Baccarat uses the same drawing and payout rules on a smaller, faster, dealer-run table with lower betting limits. Chemin de Fer has a rotating player banker and limited drawing choices. Banque ouverte, also called Baccarat à deux tableaux, has a player banker facing two independent tableaux. Banque limitée keeps the two tableaux but has a casino banker, table limits and a 2% commission. All five are playable from the selector above.
Category
Comparing · Casino banking
Also known as
Baccara · Punto Banco
Documented countries
France · Cuba · United States
Bibliography
The same cards.
A smaller table.
Mini Baccarat plays by Punto Banco's card rules. Follow a quick sample round, then see what changes at the smaller table.
Illustrated guide
A faster round, step by step.
These examples are separate from the live game.
Complete rules
The card rules and payouts match Punto Banco; the practical table setup is different.
Origin & history
Mini Baccarat is the smaller-table form of Punto Banco. A dealer handles the cards and the compact table generally has fewer seats and lower limits, making rounds quicker. Its name refers to the table format, not a different way of scoring hands.
Objective
Before each round, wager on Player, Banker or Tie. Player and Banker are the names of two hands dealt by the dealer; bettors do not hold those hands. The winning hand is the one closer to nine.
Equipment & setup
This digital table uses eight standard 52-card decks without Jokers and starts you with 100 virtual chips. Mini stakes here are 1, 2, 5 or 10 chips. These limits illustrate the lower-stakes format; physical casinos set their own limits and may use a different number of decks. The on-screen table is smaller and the deal runs faster than the Punto Banco option.
Gameplay
Two cards are dealt to Player and two to Banker. Aces are worth 1; cards 2–9 have face value; 10, Jack, Queen and King are worth 0. Keep only the final digit of the sum, so 7 + 8 counts 5. An opening total of 8 or 9 is a natural and stops further draws.
Otherwise, Player draws on 0–5 and stands on 6–7. If Player stands, Banker draws on 0–5. If Player draws, Banker draws on 0–2; on 3 except against Player's third card worth 8; on 4 against 2–7; on 5 against 4–7; and on 6 against 6–7. Banker stands on 7. The dealer applies these fixed rules automatically, just as in Punto Banco.
Scoring & points
Player pays 1:1. Banker pays 0.95:1 after a 5% commission. Tie pays 8:1. If the hands tie, Player and Banker wagers are returned. The lower wager choices change the number of virtual chips at risk, not the payout ratios or the chances of each outcome for a given shoe.
End of game & winning
The round ends when both hands have stood and the dealer compares their totals. You can continue while you have enough chips for the 1-chip minimum. The game reshuffles before a round when fewer than 20 cards remain in the shoe. There is no fixed match target.
Variants
Mini Baccarat differs from the base Punto Banco version here through its compact presentation, quicker pacing and lower stakes. The eight-deck shoe, fixed drawing table and payouts remain the same. Chemin de Fer and both Banque forms have different banking or card-choice rules and are available from the selector above.
Category
Comparing · Casino banking
Also known as
Mini Baccarat
Documented countries
United States
Bibliography
Take the bank.
Make the call.
Chemin de Fer gives the banker and the active punter decisions that Punto Banco makes automatically. See the flow in the illustrated guide, then read the complete rules.
Illustrated guide
Follow a coup.
These examples are separate from the live game.
Complete rules
The rules below describe Chemin de Fer and the six-seat practice table on this page.
Origin & history
Chemin de Fer developed in nineteenth-century France from earlier banking games. Its name means “railway”: the bank and dealing shoe travel from one player to another around the table. This version preserves the shared players' hand, a rotating banker and limited choices over a third card.
Objective
End with a hand total closer to nine than the opposing side. One player supplies the bank; the others wager against it. The largest opposing bettor becomes the active punter and decides for the shared players' hand. Unlike Punto Banco, the bettor cannot choose to back the banker or a tie.
Equipment & setup
Traditional Chemin de Fer seats at least six people, often at a table with eight or more places, and commonly uses six shuffled 52-card decks. This practice table has six seats: you and five bots. Everyone starts with 100 virtual chips. The initial banker posts a bank; opposing wagers cannot exceed it. The first player who covers the whole bank calls banco. The largest bettor handles the players' cards.
For a convenient one-screen game, you have first chance to call banco when a bot banks. Otherwise the bots wager in seat order. Uncovered bank chips stay in the bank; they cannot be lost in that coup. This table has no spectator bets or banco suivi.
Gameplay
The banker deals one card face down to the active punter, one to the banker, then a second to each in the same order. Aces count 1; cards 2–9 count face value; Tens and picture cards count 0. Only the final digit of the sum matters. For example, 7 + 8 counts 5.
If the players' opening hand is 8 or 9, it is a natural and both hands are revealed at once. Otherwise the active punter calls carte to draw or non to stand. In this practice game, a total of zero must draw. Ordinary guidance is to draw on 0–4, stand on 6–7 and choose on 5. When representing other bettors, an active punter should follow that guidance. The banker then looks at the banker's hand. A banker natural of 8 or 9 ends the coup before a requested players' third card is dealt.
If the players drew, that third card is shown face up. The banker has not seen the players' original two cards. The banker draws on 0–2 and stands on 7. If the players stood, the banker draws on 0–5 and stands on 6–7. If the players drew, the banker follows this table according to the value of their third card:
| Banker's two-card total | Draw when players' third card is… | Choice |
|---|---|---|
| 3 | 0–7 | Optional against 9; stand against 8 |
| 4 | 2–7 | Stand otherwise |
| 5 | 5–7 | Optional against 4; stand otherwise |
| 6 | 6–7 | Stand otherwise |
In this table, a third card worth zero includes a Ten or picture card. The banker makes the optional decisions on 3 against 9 and 5 against 4. Then both hands are revealed and compared.
Scoring & points
If the players' hand wins, each opposing bettor gets their stake back plus an equal profit, paid from the bank. The banker loses the covered amount and gives up the bank. If the banker's hand wins, the bank collects all opposing stakes, with a 5% commission taken from those winnings on this practice table. On a tie, opposing stakes are returned and the same banker may continue.
The banker retains winnings inside the bank while continuing. When the banker loses or chooses to pass, any remaining bank chips return to that player's balance. All chips here are virtual.
End of game & winning
Each coup ends when both hands are exposed and the higher total is known. The banker may continue after a win or tie, or pass the bank between coups. After a players' win the bank passes to the next eligible seat. There is no fixed match target; start a new session to reset all balances.
Variants
Punto Banco uses fixed third-card rules and lets visitors bet on Player, Banker or Tie. Mini Baccarat uses those same card rules with lower limits on a smaller table. Chemin de Fer instead has a player banker, wagers only against the bank, and limited drawing choices. Banque ouverte has two tableaux against a more persistent player banker. Banque limitée has two tableaux, a casino banker and table limits. Both Banque forms are playable from the selector above.
Category
Comparing · Banking
Also known as
Baccarat Chemin de Fer · Chemmy · Shimmy
Documented countries
France · Italy
Bibliography
One bank.
Two tableaux.
Banque ouverte gives a player the bank against two independent hands. Follow a sample coup in the illustrated guide, then read the complete rules.
Illustrated guide
Follow both sides of a coup.
These examples are separate from the live game.
Complete rules
These rules describe Banque ouverte and this six-seat virtual-chip table.
Origin & history
Baccarat Banque is an early form of Baccarat documented in nineteenth-century France. The name à deux tableaux describes its two groups of players. In banque ouverte, a member of the table takes the bank rather than a casino employee.
Objective
On each of two tableaux, make a hand closer to nine than the banker's hand. The right and left hands are independent: one can win while the other loses. The banker faces the total action on both sides.
Equipment & setup
Banque ouverte traditionally uses six standard 52-card decks shuffled into a shoe. The practice table has you and five bots, each starting with 100 virtual chips. The human starts as banker and may retire between coups; the next player then takes the bank. When a bot banks, you may bet on either tableau. There are no preset minimum or maximum table stakes, though the digital choices are constrained by your virtual-chip balance.
Each tableau has a captain who handles its cards. This one-screen version gives you the right-hand captain's decisions when you leave the bank; bot captains handle other turns. It omits spectators, straddled bets and formal banking schedules.
Gameplay
The dealer gives one card to the right hand, one to the left hand and one to the banker, then repeats that order. Aces count 1; cards 2–9 count their face value; Tens and picture cards count 0. Only the final digit of the sum counts. A total of 8 or 9 on two cards is a natural. If the banker has a natural, both tableaux are settled at once. A tableau with a natural is settled against the banker's original two cards; the other tableau continues if needed.
Without a natural, the right captain decides whether to draw a face-up third card, then the left captain decides. Drawing on 0–4 and standing on 6–7 is common guidance, but the captain may choose. The banker then sees any public third cards and decides freely whether to draw or stand. The banker does not see the tableaux's first two cards before the reveal.
Scoring & points
Compare the banker separately with right and left. A winning tableau returns each stake plus an equal profit; a losing tableau forfeits its stakes to the banker; a tie returns its stakes. If the banker's net gain across both sides is positive, this practice table deducts a 1.25% commission from that gain. No commission is taken on a zero or negative net. All stakes and balances are virtual chips.
End of game & winning
A coup ends after the two comparisons. The banker may continue even after a loss, or retire between coups. A tableau captain continues after a win or tie; after a loss, its next eligible player takes the cards. A fresh shoe is shuffled when the current shoe is nearly exhausted. There is no fixed target score on this practice table; a new session resets the balances.
Variants
Banque ouverte is the social, player-banked form with no fixed table limits. Banque limitée uses a casino employee as banker, table limits and a 2% commission; both are playable here. Chemin de Fer uses one opposing players' hand and passes the bank after a players' win. Punto Banco uses fixed third-card rules and outcome betting. Mini Baccarat keeps those rules on a smaller, lower-limit table.
Category
Comparing · Banking
Also known as
Baccarat Banque · Baccarat à deux tableaux · Banque ouverte · À tout va
Documented countries
France · Monaco
Bibliography
Two sides.
Casino bank.
Banque limitée keeps the two tableaux of Baccarat Banque. A casino employee banks every coup, and table limits control the stakes.
Illustrated guide
Follow a casino coup.
These examples are separate from the live game.
Complete rules
These rules describe Banque limitée and the virtual-chip table on this page.
Origin & history
Banque limitée is the casino form of Baccarat Banque, an early French banking game with two tableaux. In this form, the banker is a casino employee rather than a participant who takes the bank.
Objective
Back the right or left tableau against the casino banker. The two tableaux are settled separately against the same banker hand. A hand closer to nine wins its comparison.
Equipment & setup
Casino Banque uses three standard 52-card decks shuffled into a shoe. The practice table has you and five bot punters, plus a permanent casino banker. Everyone except the house starts with 100 virtual chips. You may bet on either tableau or sit out a coup. A physical casino sets its own minimum and maximum table limits; this practice table uses 5–25 virtual chips per wager.
One captain handles each tableau's cards. You begin as right-hand captain and keep that role after a win or tie; after a loss, the role passes to another punter on that side. The casino banker never rotates into a player seat.
Gameplay
Cards are dealt right, left, banker, then right, left, banker again. Aces count 1, cards 2–9 count face value, and Tens and picture cards count zero. Only the last digit of a sum matters. An opening two-card 8 or 9 is a natural. A banker natural settles both tableaux; a natural on one tableau is compared with the banker's original two cards while the other tableau may continue.
Otherwise the right captain and then the left captain may draw one face-up third card or stand. Drawing on 0–4 and standing on 6–7 is common guidance, but the captains may choose. The banker knows its own cards and any public third cards, then chooses freely whether to draw. The banker does not see the tableaux's original two cards before the reveal.
Scoring & points
Each tableau is compared separately with the banker. A winning wager returns its stake plus equal profit; a losing wager goes to the bank; a tie returns the stake. If the banker has a positive net gain after settling both sides, the casino commission is 2% of that gain. No commission is taken on a zero or negative net. All amounts on this site are virtual chips.
End of game & winning
A coup ends after both tableaux have been settled. The casino banker stays for the next coup regardless of the result. A captain remains after a win or tie and passes the cards after a loss. The practice table reshuffles when the shoe is nearly exhausted; start a new session to reset the virtual chips.
Variants
Banque limitée differs from Banque ouverte in having a permanent casino banker, mandatory table limits, a three-deck shoe and a 2% commission instead of 1.25%. Banque ouverte allows a player to bank without fixed table limits. Chemin de Fer has a single opposing hand and a rotating bank. Punto Banco uses automatic drawing rules. Mini Baccarat plays those same rules at a smaller, lower-limit table.
Category
Comparing · Casino Banking
Also known as
Baccarat Banque limitée
Documented countries
France · Monaco