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How to Play Baccarat – Beginners Guide, Tips and Strategies

Author: Caroline Richardson, Reviewed by: Jack Cooper
Last updated on:

For many years Baccarat was a game shrouded in mystique. However, it is actually a very simple game to master.

Players are simply betting on which of two positions, the Player or Banker, will have a total closer to 9 when all the cards have been dealt. After placing a bet, the dealer does all of the rest, but there are a few more things to understand, which shall be explained in the following Baccarat guide.

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Card Values in Baccarat

Baccarat vard values

In order to calculate the hand values in Baccarat, it is important that you know the values of the cards. In Baccarat, Aces count as 1, the number cards 2 to 9 count as their face value, and tens and face cards count as zero.

However, a hand’s value can never exceed 9. Therefore, if the sum of the two cards is ten or more, then ten is subtracted from the value.

For example, a hand of 7 and 6 is worth 3, not 13, a hand of 4 and 6 is worth 0, not 10, and a hand of 10 and 2 is worth 2 not 12.

Play Online for Real Money

While Baccarat is a simple game, it is also full of excitement. However, if you want to experience the full thrill of the game, then, after learning the Baccarat rules, you should try playing it for real money.

We have reviewed the best baccarat online casinos for you. All of them offer a fantastic gaming experience and provide everything you could need.

Learn How to Play Baccarat

When you play Baccarat online, you will specifically be playing the game of Punto Banco. There are a few other versions of the game, but these are only found at land casinos. Each version has a specific table layout, and the first thing to do is to ensure you understand it.

The table may vary slightly depending on the game that you are playing, but there will always be two positions, one labelled ‘Player’ and the other ‘Banker’, and the cards are dealt to their respective positions. There will also be a section labelled ‘Tie’. Each of these positions will have an associated betting area, and all you are required to do is place your chips in the appropriate space.

baccarat bets

The game is played with six or eight decks of cards shuffled into a shoe. The cards are shuffled (often by a machine), and a cut-card is placed in front of the seventh from last card. The dealer will burn the first card face up, revealing its value. They will then burn that number of cards face down. Players can then place their bets on Player, Banker or Tie.

Next, the cards are dealt. Two are dealt to each position, starting with the player and then alternating between each position.

Depending on the version of the game that you are playing, they may be dealt face up or face down. This makes absolutely no difference to the outcome of game, but if they are dealt face down, it increases the tension and excitement, while if they are dealt face up it results in a faster game.

If either of the hands has a total of 8 or 9 it is called a “natural”. This ends the round and betting may begin on the next round. If neither of the hands has a natural, then one or both hands may be dealt a third card.

Once all of the cards have been dealt, winning bets are paid out. In nearly all Baccarat games, a winning Player bet pays 1:1, a winning Banker bet pays 1:1 minus a 5% commission, and a winning Tie bet pays 8:1 (however, there are games that pay 9:1 for a Tie).

It is also worth noting that there are No Commission Baccarat games. In these games, the Player and Banker bets both pay at 1:1, unless the Banker wins with a 6, in which case the Banker bet pays 0.5:1.

Baccarat Drawing Rules

two cards

As mentioned in the baccarat rules section above, if neither of the positions are dealt a natural (a total of 8 or 9), an additional card may be dealt to one or both the player and the banker.

3rd Card Rules for the player

The third card rules for the player position are very simple. If the Player hand is worth five or less, then the hand receives a third card.

3rd Card Rules for the banker

The third card rules for the banker are more complicated:

third card rule

If the Player does not receive a third card:

If the Player did receive a third card:

Types of Bets

One of the reasons why Baccarat is so easy to master is that the game offers just three types of bets. At first glance these bets seem incredibly straightforward, and the truth is that they are.

However, there are a few details that it is important to be aware of, especially if you want to improve your Baccarat strategy.

Player Bet

This is a bet on the Player position having a higher value than the Banker position. It has a house edge of just 1.24%.

Banker Bet

This is a bet on the Banker position having a higher value than the Player position. It has an even lower house edge of 1.06%. This is due to the way in which the third card rules work and it is the reason why there is a 5% commission on winning Banker bets in the regular version of the game.


This is a bet on the two hand positions having the same value once all of the cards have been dealt. In a game that pays 8:1, it has an enormous house edge of 14.4%. In games that pay 9:1 for a Tie, this edge is significantly reduced to 4.85%.

Outcome Combinations Probability Banker Bet Return Player Bet Return Tie Bet 8 to 1 return Tie Bet 9 to 1 return
Banker Wins 2,2922,252,566,437,888 0.458597 0.435668 -0.458597 -0.458597 -0.458597
Player Wins 2,230,518,282,592,256 0.446247 -0.446247 0.446247 -0.446247 -0.446247
Tie 475,627,426,473,216 0.095156 0 0 0.761248 0.856404
Totals 4,998,398,275,503,360 1 -0.010579 -0.012351 -0.143596 -0.048440

Tips for Playing Baccarat

How to Play Baccarat Smart – Strategies and Systems

Baccarat is a game of pure luck. Furthermore, after placing your bet there is nothing you can do except sit back and watch as the cards are dealt. This means that there are not really any strategies that you can use to try to improve your chances of winning.

However, there are numerous betting strategies and systems that are compatible with Baccarat. These will not improve your chances of winning, but they will help manage your bankroll and minimise your losses. On the whole, betting systems are easy to learn and use, and they are in no way considered cheating. It may be worth considering any of the following:

It is also important to consider side bets when playing Baccarat. They can be hugely tempting as they offer the chance of far larger payouts than the main bets. However, as a general rule, side bets have an enormous house edge and are very difficult to win. This doesn’t mean that you shouldn’t place them. However, you should be sure to budget for them carefully.


🃏 Is there a difference between Baccarat and Punto Banco?
Punto Banco, also known as North American Baccarat, is the game that you will find at online casinos and in most land casinos. There are a few other versions of Baccarat, Baccarat Chemin de Fer and Baccarat Banque, which are only found in land casinos. If you are looking to how to play baccarat online, then for all intents and purposes, Baccarat and Punto Banco are the same.
🤝 Do I have to learn when a third card is dealt in Baccarat?
Strictly speaking there is no reason for you to memorise the third card rules in Baccarat as the dealer will deal the cards, if necessary. However, it is never a good idea to bet money on a game that you don’t fully understand, so it is worth taking a few minutes to get to grips with them and learn how to play baccarat.
♣ Is it really a bad idea to place the Tie bet?
If you are looking purely at the odds then the answer is definitely yes. The Tie bet has a huge house edge and you are very unlikely to win it. However, if you treat it as a novelty bet and budget for it accordingly, then you can certainly place it from time to time.
🗺 Is it worth using the roadmap scorecards when playing Baccarat?
Many people enjoy looking for patterns in the cards and trends as they play and will use the roadmap scorecards. However, there is no use of that as the result of one round of Baccarat will have no impact on future rounds. You should treat each round as a brand new event and try to put previous rounds out of your mind.
✅ Are there Baccarat strategies that will improve my chances?
There is no strategy that will change the house edge as there are no player decisions to be made when playing Baccarat. However, you can use betting systems to help you manage your bankroll. When used properly, they can reduce your losses and lengthen your game time in the online casino or with the live dealer.

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