A baccarat game is a classic Bond movie setting, which perhaps makes the game more intimidating than it should be. Baccarat is actually a simple game. In terms of betting, baccarat strategy has a lot in common with coin tossing. More importantly, baccarat is a casino game with a relatively low, player-friendly casino edge. So for those who want to know how to play Baccarat, let’s take a look at the rules of the game.
Baccarat Rules
The rules of baccarat require that all bets on any given hand be completed before each hand begins. Two cards are then dealt to two hands at the start of the game, called the player hand and the bank hand.
The object of the live baccarat game is to predict which hand will then get the closest total of 9 points. This is done by betting on the dealer’s hand, the player’s hand or by betting on the end of the round.
In calculating the total number of cards in any hand, all ten and face cards have a value of zero, one ace has a value of 1, and all remaining cards are scored at their face value
However, if any hand scores more than 9, the score is adjusted by subtracting 10 from the original total.
The internal rules of any given field will determine whether the bank or player hand is entitled to draw a third card. Also, in any case, a maximum of three cards may be used in any hand at all times.
Those who correctly bet on the winning player’s hand are eligible for a 1-to-1 payout. However, while those who correctly predicted the winning bankroll are also eligible for a 1-to-1 payout, they must also pay a 5% commission according to baccarat rules. This has the effect of reducing the payout on the hand to 19 to 20.
Winning parlay bets are eligible for an 8-to-1 payout.
How to bet on Baccarat
If you bet against a player’s hand and it is closest to a 9, then you will win twice your principal.
If you bet on the dealer’s hand and it is a winning hand, the payout is 95% of your principal. But don’t forget that totals over 9 require you to remove the first digit to get the true value. For example, 9 + 6 = 15, minus ‘1’ = 5.
A draw is another betting option which, as mentioned earlier, will give you an 8-1 payout.
Live baccarat tables offer score tables to help you know your score.
Player Hand
One of the things that can be confusing about baccarat is drawing a third card. But the important thing to remember is that this is not a matter of strategy – these decisions are contained in the rules of the game and are acted upon by the dealer. So, as a player, you can simply go with the flow – but it’s always a good idea to be aware of what can happen.
When a player’s hand totals 0 to 5 or the equivalent of 10, a third card is drawn. If the total number of points is 6 or 7, the action is called stopping, which means that the third card is not drawn. A total of 8 or 9 is described as a natural, where a third card is also not drawn.
The following table summarizes these operations.
| Total of the first two cards | Action |
| 1-2-3-4-5-10 | Draw a card |
| 6-7 | Standing |
| 8-9 | Neutral – Standing |
The Hand of the Banker
The rules of the dealer’s hand follow similar principles, but in a little more detail. Once again, the dealer is responsible for applying these rules and will therefore announce the actions to be taken. Once again, the actions involving the banker are summarized in the following table.
| Total of the first two cards | Draw on the player’s third card | Standing on the player’s third card |
| 3 | 1-2-3-4-5-6-7-9-10 | 8 |
| 4 | 2-3-4-5-6-7 | 1-8-9-10 |
| 5 | 4-5-6-7 | 1-2-3-8-9-10 |
| 6 | 6-7 | 1-2-3-4-5-8-9-10 |
| 7 | Standing | |
| 8-0 | Neutral – Standing | |
| 0-1-2 | Always a painting |
One more thing: In a draw, there is no loser. If the first two cards have a total of 8 or 9, the hand is considered a natural and therefore wins automatically, unless both hands produce natural cards of equal value, in which case it is a draw. If neither hand has a natural card, then more cards are drawn to determine the winner.
Important tips for playing Baccarat
As with many other casino games, you can learn a lot from the experience of playing the game. But there are certain gameplay and moves that should be understood early on. Therefore, here are six baccarat tips to help you develop a game strategy.
1) Ignore the Tie option: Experts calculate that the casino advantage for a tie bet is about 14.4%. Such a large percentage is a disadvantage from the start, and always makes this particular bet a poor choice.
2) The bookmaker is your best bet: Since the bank wins over 50% of the games, this should always be your first choice. The fact that a 5% commission is charged to reduce the revenue to the player proves this.
3) Follow the bank – until it loses: You should always be on the lookout for consecutive wins, and statistically speaking, the bank usually gets the most. When this happens, bet against the bank – just don’t get too aggressive.
4) Continue to the next bet after the bank loses: When the bank finally loses to the player, do not bet on the next result. Wait until the next one. Note whether the player wins or the bank wins. Then continue betting based on the outcome of that game.
5) Discounting All Tie Bets: For strategic purposes, treat each tie bet as if it never occurred. A parlay is simply a game of draws with no winners or losers, so do not include it in your bankroll win/player win calculations.
6) Practice good wager management: While Baccarat has favorable casino advantages, its win/lose ratio makes it a hard coin to throw. Therefore, follow the recommended bankroll continuity, but always monitor your spending. Wagering 10 units per bet, with a limit of 200 units per bet (followed by a complete break) is a wise schedule.
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