Baccarat is a classic casino game that has been around for a very long time. Some believe that Baccarat is more complicated than, for example, Blackjack or Roulette, but that’s not the case. Baccarat is actually a pretty easy – and fast. At GARBO, we would like to help you explore this classic game that has got itself a bad name.

How do you play Baccarat?

The game is hosted by a dealer, and it is played using between six to eight standard decks of cards. The dealer will give two cards each to the player and the bank. The goal in Baccarat is to predict which hand will win – that is, whose hand will have a value that is closest to 9.

You place your bets on a green table by placing tokens on one of three possible alternatives, which are ‘player’ (punto), ‘banker’ (banco) or ‘tie’ (egalité).

You will have to place your bet on what you think will be the most likely outcome before the cards are dealt. Do you think that you or the bank will win the round by getting the hand that is closest to 9? You may also bet on a tie, which means that the player’s and the banker’s hands have the same value.

Card values in Baccarat

It’s a good idea to familiarize yourself with the value of all the cards before you play Baccarat.

The cards have the following values:

  • Aces have the lowest value and are worth 1 point.
  • Cards between 2 and 9 are worth their numerical values.
  • 10 and face cards (jacks, queens, and kings) are all worth 10 points.
  • If the sum of the cards is 10 or more, you only count the last number. For example, if you get one 7 and one 9, the sum will be 16, and the value of the hand will be 6. Furthermore, only the numerical value of each card matters in Baccarat; the suits (hearts, spades, clubs, and diamonds) are not relevant to the game.

Baccarat rules

After the bets are made, both the player and the banker are dealt their cards. The cards are dealt one at a time and both the player and the banker will get two each, and a third one depending on the circumstances:

  • The player is dealt a third card if the value of the player’s card is 0-5 and the banker doesn’t have 8 or 9.
  • The banker is dealt a third card if the value of the banker's hand is 0-2 and the player doesn’t have 8 or 9.
  • The banker is dealt a third card if the value of the hand is 3 and the player’s third card isn’t an 8.
  • The banker is dealt a third card when the value of the hand is 4 and the player’s third card is 2-7.
  • The banker is dealt a third card if the value of the hand is 5 and the player’s third card is 4-7.
  • The banker is dealt a third card when the value of the hand is 6 and the player’s third card is 6-7.
  • Both the player and the banker stand if their hands are 8 or 9 after the first two cards have been dealt. There is a lot to keep track of, but it is not something you have to worry about since this is the responsibility of the dealer.

Like we mentioned above, you may bet on who is going to win. If you bet on the correct outcome you will win as much as you have wagered. You do however have to pay a 5% commission on winnings when betting on the banker’s hand since the banker wins more often.

If there is a tie and you have placed a bet on either yourself or the bank, neither will win and your bet will be returned to you. If did bet on a tie, however, you will win an 8-1 or 9-1 payout. 

Betting Levels in Baccarat

The betting levels vary slightly between different casinos and usually there are several tables with different bet levels to choose between. You can normally choose between these three types of tables:

Low bets €0.1, €0.5, €1.0

Medium bets €1.0, €5.0, €10.0

High bets €10.0, €50.0, €100.0

Payouts in Baccarat

The winner in Baccarat, either the player or the casino, gets a 1:1 payout. You will, in other words, get your bet back as well as a payout that is as big as your bet. If for example, you bet €5 you will win €10.

What is the origin of Baccarat?

Baccarat has been known in France since the 19th century, although similar card games existed in Italy a couple of hundred years earlier. Today, Baccarat is the most popular game in Asia, while Blackjack and Roulette are more popular in Las Vegas.

The game is derived from Chemin de Fer and is also known as Punto Banco and Baccarat Banque. Punto Banco is not exactly the same game, however, but rather a simplified version of Baccarat.