Help and rules
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Baccarat (punto banco)
Two hands are dealt, Player and Banker. You bet on which hand finishes closer to nine, or on a tie. Cards two to nine count their value, tens and pictures count zero, aces count one; only the last digit of the total counts, so 7 + 8 = 15 counts as 5. You make no decisions after betting: the drawing rules are fixed.
Bets and payouts
| Bet | Wins when | Pays | House edge |
|---|---|---|---|
| Player | Player hand is higher | 1 to 1 | 1.24% |
| Banker | Banker hand is higher | 1 to 1 less 5% commission (0.95 to 1) | 1.06% |
| Tie | Both hands equal | 8 to 1 | 14.4% |
| Player pair / Banker pair | That hand's first two cards have the same rank | 11 to 1 | 10.4% |
On a tie, Player and Banker bets are returned (push). Eight decks are shuffled before every round.
Drawing rules
| Situation | Rule |
|---|---|
| Either hand totals 8 or 9 on two cards (a natural) | No more cards; the round is settled. |
| Player has 0 to 5 | Player draws a third card. |
| Player has 6 or 7 | Player stands. Banker then draws on 0 to 5 and stands on 6 or 7. |
| Player drew a third card | Banker draws with 0 to 2 always; with 3 unless the Player's third card was an 8; with 4 if it was 2 to 7; with 5 if it was 4 to 7; with 6 if it was 6 or 7; stands on 7. |
The road on the right shows the last 60 results: P for Player, B for Banker, T for tie.