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Baccarat

Baccarat cards 2-9 are worth their face value, 10's and face cards (J, Q, K) are worth zero, and Aces are worth 1 point. Score are calculated by taking the sum of all cards. If the total value of cards in a hand equals or exceeds 10, the tens digit is dropped. "Baccarat" worst hand is worth 0. The highest score that can be achieved is 9.

Baccarat players may bet on the player or the banker. Baccarat cards are dealt face down. 'Player' and the Banker' each has two cards initially . Both cards are then turned over and added together. The table of play is used to determine if you need more cards. Depending on the two hands, the Player and Banker may draw a single card. The hand with the highest total wins.

If either the Player or the Banker has 8 or 9 on the initial deal, no further cards are drawn. If neither player has an 8 or a 9, play proceeds as follows:

If the Player has an initial total of 0-5, the Player draws a single card. If the Player has an initial total of 6 or 7, he stands.

The Banker's play depends on the Banker's hand, on whether the Player drew a card, and on what card the Player drew.

If the Player did not draw a card, the Banker draws if he has 0-5, and stands if he has 6-7.

If the Player drew a 2 or 3, the Banker draws if he has 0-4, and stands if he has 5-7.

If the Player drew a 4 or 5, the Banker draws if he has 0-5, and stands if he has 6-7.

If the Player drew a 6 or 7, the Banker draws if he has 0-6, and stands if he has 7.

If the Player drew an 8, the Banker draws if he has 0-2, and stands if he has 3-7.

If the Player drew an ace, 9, 10, or face-card, the Banker draws if he has 0-3, and stands if he has 4-7.

The croupier will deal the cards according to the tableau and the croupier will announce the winning hand - either 'Player' or 'Banker'. Losing bets will be collected and the winning bets will be paid according to the rules of the house. Usually even money or 1-1 will be paid to the player and 95% to the 'Banker', 5% commission to the house. (Commission Baccarat) Some casinos pay even money or 1-1 to both 'Player' and 'Banker' except when the 'Banker' wins with 6. Then the 'Banker' will be paid 50% or half the original bet.

Should both the 'Bankers' hand and the 'Players' hand have the same value at the end of the deal the croupier shall announce "Egalite - tie bets win." All tie bets will be paid at the odds of 9 for 1, or 8 to 1 and the croupier shall not touch the bets on either 'Player' or 'Banker'.

The traditional form of punto banco baccarat is played at an oval table, similar to the chemin de fer version. The table is staffed by a croupier, who directs the play of the game, and two dealers who collect and pay bets as well as tallying commissions due. Six or eight decks of cards are used, normally shuffled only by the croupier and dealers. Like chemin de fer, the shoe is passed around from player to player, who acts as the dealer of the cards and as "banker," but he or she does not actually bank the game. Indeed, the "banker" may bet on the player hand if he or she wishes, or may pass the shoe along to another player — the role of the "banker" is merely ceremonial.

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