Objective of the Game
The goal of baccarat is to correctly predict which hand will have a total closest to 9. You’re not playing against the dealer—instead, you’re betting on one of three outcomes:
- Player wins
- Banker wins
- Tie
Card Values
Understanding card values is key to baccarat:
- Cards 2–9 are worth their face value
- 10s and face cards (King, Queen, Jack) are worth 0
- Aces are worth 1
If a hand’s total exceeds 9, only the last digit counts. For example, a total of 15 becomes 5.
How the Game Is Played
Placing Bets
Before any cards are dealt, players place a bet on Player, Banker, or Tie.
Dealing Cards
Two hands are dealt: one for the Player and one for the Banker. Each hand receives two cards.
Calculating Totals
The value of each hand is calculated using the card values above, with totals reduced to a single digit if necessary.
Third Card Rules
In some cases, a third card may be drawn. These rules are predetermined and automatic, meaning players don’t need to make any decisions. The dealer follows strict guidelines to determine whether the Player or Banker receives an additional card.
Winning the Round
Once all cards are dealt, the hand closest to 9 wins.
- A winning Player bet typically pays 1:1
- A winning Banker bet pays 1:1 minus a commission (usually 5%)
- A winning Tie bet pays higher odds, commonly 8:1 or 9:1
If you bet on the correct outcome, you win. Otherwise, you lose your wager.
Common Baccarat Outcomes
- Player Win: The Player hand finishes closer to 9 than the Banker
- Banker Win: The Banker hand finishes closer to 9 than the Player
- Tie: Both hands finish with the same total
Basic Strategy Tips for Beginners
- Banker bets have the lowest house edge and are statistically the best option
- Player bets are a solid alternative with slightly higher house edge
- Avoid Tie bets despite the high payouts—they carry a much higher house edge
- Ignore betting patterns or “streak systems”; each round is independent
- Set a bankroll and stick to it, as baccarat can move quickly
Final Thoughts
Baccarat is one of the most beginner-friendly casino games available, thanks to its simple rules and minimal decision-making. By understanding how card values work and focusing on smart betting choices, you can enjoy the game while keeping the house edge low. Ready to give it a try? Choose a trusted online casino and experience baccarat for yourself.
