The goal of Baccarat is to get a hand with a value of as close to nine as possible. Hands which have a value of eight or nine using the first two cards are considered a natural hand. If the first two cards total eight or nine, no more cards are dealt. Unlike other casino games, players can choose whether they want to bet on the player hand or the bank hand. There is also a tie bet, which pays much better than the other two bets. A tie bet pays 9:1 or 8:1, depending on the casino.
The rules for dealing and hitting are somewhat complicated, but you don't have to learn them in-depth, because all the rules are automatically in play. Your only choice is which bet to place. All other decisions are determined by the game rules.
The number cards are counted at face value in Baccarat. Ace is counted as one. Face cards have a value of zero.
= 1 = 0
Scoring a hand
The values of the cards are added. If the value is higher than nine, the first digit is dropped. For example, a hand of 8,3 has a value of 1, not 11.
+ = 1
First, all players place their bets. Next, both the player hand and the dealer hand receive two cards each. In real casinos, sometimes there are as many as three player hands, but online, there is usually only one player hand to bet on. The cards are dealt face up. If either player has a natural – a hand totaling eight or nine, then the hand is judged immediately. Nine is better than eight, and if both have the same value hand, then any player who has bet on either hand loses. Only players who have bet on the tie win in this case.
+ = 8 (natural)
+ = 9 (natural, but stronger than 8)
+ = + = tie
Hitting and Standing
If neither player has a natural, there are specific rules for whether or not a hand receives a third card.
If the player hand has a value of five or less, the hand receives a third card.
If the player does not draw a third card, the bank draws for hands valued at five or less, and stands for hands valued at six or more. If the player has drawn a third card, the bank must stand on seven or more, and takes a third card for two or less.
If the bank has a two card total of three, a card is added unless the player's third card was an eight.
If the bank has a total of four, the banker receives an extra card if the player's third card was 2-7, inclusive.
For a total of five, the banker hand receives a third card if the player's third card was 4-7, inclusive.
If the bank hand was a six, the banker receives an extra card only if the player's third card was six or seven.
Once both hands have been given their cards, the hand with a total closer to nine is the winner. If there is a tie, players who bet on a tie receive a payout of eight to one or nine to one depending upon the casino.
Since the rules favor the banker's hand slightly, the casino takes a rake whenever a player wins on the banker's hand.
Differences Between Land-Based Baccarat and Online Baccarat:
In some land-based casinos, there are three player hands for every dealer hand. In this case, players may bet on any or all of the player hands separately. Generally, in online casinos, play is against a computer program, and there is no dealer, nor are there other players.
Baccarat is generally played with eight decks in what is called a shoe, or a pile. The decks are shuffled together. Online baccarat is generally also played with the statistics for eight decks, but at many online casinos, the decks are re-shuffled for each hand.