Baccarat online Play
The game is not actually player against banker, but simply two hands dealt out, one for the Player (Punto) spot, and one for the Banker (Banco) spot. Each gambler has the option of wagering on whichever spot they think will win. The hand closest to a point total of 9 is the winner. When both hands end with the same total, it is a tie.
There is a third option for wagering called the Tie Bet. After the drawing of cards is over, should the outcome be a tie between the Player hand and the Banker hand, the Tie Bet wins. It is usually paid-out at 8 to 1 odds, for a house edge of 14.4%.
In real money baccarat, as with most casino games, the cards have a point value of 2 through 9 and aces count as 1. However, all face-cards and tens count as zero. In addition, no hand can be over 9 points, so the ten’s digit is dropped, thus a hand consisting of 5-7 that equals 12, is played as a 2.
The croupier (dealer) will deliver one card to the Player spot and one to the Banker spot, then repeat the process. The cards are turned over (sometimes with a wooden pallet) to expose their point totals. Here’s where the game gets interesting. If the Player or Banker (or both) have a total of 8 or 9, the hand is finished and the higher point-total hand wins, or there may be a tie. If there is no 8 or 9, then the following drawing rules are used:
Player Hand Rules
A total of 8 or 9 is a natural, and as explained above the hand is over. If the Player has a total of 6 or 7, they stand and await the outcome of the Banker hand. If the Player has a total of 0 to 5, they draw a third card.
Banker Hand Rules
As with the Player, if the two-card total is 8 or 9, the hand is over. If the Banker total is 7, they stand; otherwise they will follow these rules:
- Banker total of 2 or less, draw a third card.
- Banker total of 3, draw a card unless the Player’s third card was an 8.
- Banker total of 4, draw a card if the Player’s third card was 2 through 7.
- Banker total of 5, draw a card if the Player’s third card was 4 through 7.
- Banker total of 6, draw a card if the player’s third card was a 6 or 7.
These standard rules for play are used in most casinos around the world, including those that offer baccarat online. When the Player hand wins, the payoff is even money, or 1 to 1. On winning Banker hands, the payoff is also even money, or 1 to 1, but a 5% commission is charged. The dealer will keep track of the commission and charge a total fee for all winning hands at the end of the shoe.
While the game of Baccarat as dealt in most casinos is really Punto Banco, where the house edge is 1.06% on the Banker bet (after the commission) and 1.24% on the Player bet, there are other variations of the game where the edge is harder to gauge because the banker has input on actual hand decisions.
Chemin de Fer
In the game of Chemin de Fer, one player is designated as the banker and offers the other players a chance, in order, to bet up to a total of their stated bank wager. Once the bank has been matched, the banker delivers two cards for the player and two for themselves. The player and banker look at their own individual cards, and if either hand is a natural (8 or 9), the highest hand wins or a tie is announced. If not, the player with the highest individual wager against the bank has the option to draw one additional card.
After the player’s decision is made, the banker also has the option to draw a card, and will most likely follow the Banker Hand Rules based on the player’s third card, but is not obligated to do so. If there is a tie, no money exchanges hands and the banker deals a new hand.
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