Baccarat - Rules

The objective of the game is to choose whether the Player or Bank is going to accumulate a points total nearest to 9, or the two hands have the same point’s value, a Tie. You can choose one or a combination of these bets.

Once each player has chosen which wager they are going for then the Player and Bank are dealt two cards face up. The Player is then the first to act. All picture cards and tens have a value of 0; aces have a value of 1. The rest of the pack count as face value. If the points value of the cards exceeds 9 then 10 is subtracted from the point’s total.

Example:

8+3=12 so point’s value is 2.
9+8=17 so point’s value is 7.
10+9=19 so points value is 9, called a Natural.

If the Player hand and Bank hand are the same points total the hand is a Tie.

If the Player or Bank points total is 8 or 9 no more cards are dealt.

If the Player’s points total is 0 to 7, the Player draws following the “Third Card Rules”.

Third Card Rules:

No hand receives more than three cards
if the Player's two cards total:

0-5 Player's hand must draw
6-7 Player's hand must stand
8-9 "Natural" (both hands stand)

After the Player's Hand acts on a third card draw, the Banker's Hand receives a third card according to these rules:

0-2 Banker's hand must draw
3-6 Third card to Player's hand determines draw or stand
7 Banker's hand must stand

When the Banker's two cards total between 3-6:

Banker's Hand	Banker's hand draws when Player's third card is:	Banker's hand does not draw when Player's third card is:
3	1-2-3-4-5-6-7-9	8
4	2-3-4-5-6-7	0,1,8,9
5	4-5-6-7	0-1-2-3-8-9
6	6-7	0-1-2-3-4-5-8-9
7	Banker's hand must stand	Banker's hand must stand
8-9	"Natural" - Bank stands	"Natural" - Bank stands

If the Player's hand stands on two cards (6, 7), then a two card Banker hand totalling 3, 4, 5 must draw and a Banker hand totalling 6 must stand.

Payoff
Player wins     1 to 1
Bank wins       1 to 1
Tie                     8 to 1