Baccarat (pronounced bah-ca-rah) is the French version of an Italian game that was introduced in France in the late 15th century.  Easy to learn and fun to play, Baccarat is a game to be enjoyed by everyone, even though it is often considered the most glamorous game in the casino.

Objective of the Game

The player's objective is to correctly predict which of the two hands ( Player or Banker ) will have a point total closest to 9.

How to Play

This version of Baccarat uses eight decks of cards.  The deck is reshuffled after each hand.  Baccarat requires no intervention by the player.  Although the rules for determining when a hand receives a third card may appear complicated, the Banker will always be responsible for accurately executing these rules.  The player only needs to sit back and have fun.

The Bets .  The main game is a wager on the Player's hand or the Banker's hand: Select an initial bet amount then click in the designated betting areas. The valid betting areas are in the center (#4) column.  Place your bet in the "B A N K E R" row to bet on the bank's hand, or in the "P L A Y E R" row to bet on the player's hand.  To bet on a tie, place your bet in the "T I E" area.  The minimum bet is $5 and the maximum bet is $100.

The Deal .  The player is dealt the first and third card while the second and fourth cards are dealt to the bank.   Specific rules (see the following pages) dictate whether a third card is drawn for the player or the bank.  The player's hand is completed first.

The Cards .  Aces count as 1.  All face cards and tens count as 0.  All other cards are counted at face value.   Each hands point total is the last digit of the sum of their cards.  So for example:

4 + 3 = 7.  This hand's point total is 7.
Q + 5 = 5.  This hand's point total is 5.
K + J = 0.  This hand's point total is 0.
2 + 10 + 4 = 6.  This hand's point total is 6.
K + 5 + 6 = 11.  This hand's point total is 1.
8 + 4 + 7 = 19.  This hand's point total is 9.

The winner of the game is the hand whose point total is closest to 9.  In the case of a tie, the bets on the Bank and the Player are stand-offs and neither the Bank or Player wins nor loses unless the Player has placed a wager on TIE.

See the following page for the rules regarding drawing a third card...

Rules for drawing a third card

When player's first two cards total:
0-1-2-3-4-5 Player draws a card
6-7 Player stands
8-9 Natural, banker cannot draw

When banker's first two cards total:
0-1-2 Banker draws unless the player shows a natural 8 or 9.
3 Banker draws when the player's third card is 1-2-3-4-5-6-7-9-10.
Banker stands when the player's third card is an 8.
4 Banker draws when the player's third card is 2-3-4-5-6-7.
Banker stands when the player's third card is an 1-8-9-10.
5 Banker draws when the player's third card is 4-5-6-7.
Banker stands when the player's third card is an 1-2-3-8-9-10.
6 Banker draws when the player's third card is 6-7.
Banker stands when the player's third card is an 1-2-3-4-5-8-9-10.
7 Bank stands.
8-9 Natural, player cannot draw

Payouts

A successful wager on: If both hands tie, it is considered a push and any bets made on the Player or Banker are neither won nor lost. If the player has made a Tie bet, he or she is paid 8:1 on the bet. A Tie bet is always lost if the two hand totals are not equal.

Placing Bets

In Baccarat, you must first decide what bets you would like to place.  You have the option of betting on the Player's hand, the Banker's hand, and/or a Tie.  To place a bet on the Player's hand, left click your mouse inside the row designated as "P L A Y E R S" near the center of the Baccarat table.  To place a bet on the banker's hand, left click on the row designated as "B A N K E R S".  To place a Tie bet, left click in the circle marked "TIE".  Each time you left-click inside one of these betting areas, you will place the current bet amount on the table -- adding to any chips that might already be there.  To remove your current bet amount from the table, right-click inside the appropriate betting area.
You can change the amount you will be adding or subtracting from your bet by selecting one of the chips in the lower left corner of the table.  The chip with that is highlighted in blue represents the amount by which you will change your bet.

For example: If you wish to place a $25 bet, make sure the $25 chip in the lower left corner of the screen is selected by clicking on it.  It should be then be highlighted in blue.  You can now left-click in any of the betting areas to place a $25 bet.  If you left-click a second time in the same betting area, you will add another $25 chip to your bet for a total of $50.  You could then select the $5 chip and click in the betting area to increase your bet to $55.  Right-clicking in the betting area performs the opposite function by removing the amount from your bet.

Starting the Deal

Once the minimum bet has been placed, the DEAL button will illuminate to indicate that it may now be clicked to start the deal.  Once the DEAL button has been clicked, the game will begin and you can no longer add to or remove from your bet.

You may also notice that the DEAL button may be illuminated, but you do not have a bet placed on the table.  In this case, clicking on the DEAL button will quickly and automatically start the deal by using the same bet used for the previous hand.  If, for example, you wagered $10 on the previous hand, you may find that the DEAL button is enabled even though you have not placed a new bet on the table.  Clicking the DEAL button will then start the next deal with the same $10 starting bet.  If you do not have sufficient funds to repeat your previous bet, or this is your first hand of Baccarat during this session, then clicking the DEAL button with no bet on the table will start the next deal using the currently selected chip amount as your bet.

Playing the Game

Baccarat requires no intervention by the player once the cards have been dealt.  There are specific rules (see THE RULES ) that dictate whether the player or banker receives a third card, but these rules are carried out entirely by the dealer.  The player does not need to be familiar with the "third card" rules.