Baccarat rules and where to play Baccarat online

Baccarat is a card game we see in every casino movie, where famous faces gamble big, but in reality the stakes don't have to be high. Whichever way you choose, the truth is that this game is fun, fast and relatively easy. In this guide, you'll learn the rules of baccarat, the meanings of the cards and where to play baccarat online.

Baccarat rules and card values

The game may look a bit like Blackjack gameas some Baccarat rules are almost identical:

  1. There are two sides to a bet - the player and the bank. Player wins are paid out as standard, but bank wins are paid out with a 5% fee (rake).
  2. All cards are awarded points according to their numerical value (2 for 2 points, 3 for 3 points, and so on), except T, J, Q, K, which do not award any points. Aces give 1 point.
  3. If the sum of the points of the cards drawn exceeds 9, then the rightmost two-digit number is considered the sum of the points (e.g. if a 6 and a 7 are drawn to make 13, then 3 is the sum of the points scored).
  4. The dealer draws two cards each for the player and the pot. If neither side scores an 8 or 9, cards are drawn according to the additional rules (described at the bottom of this article).
  5. Neither the player nor the bank receives more than 3 cards.
  6. Decks of 6-8 cards are played and are shuffled when a certain number of unused cards remain. This amount is usually determined by the casino house.

Where is the best place to play Baccarat?

How to play Baccarat?

Baccarat Extra Cards Dealt

After selecting a player position:

The first hand is always the player's hand. When the cards are turned up, the croupier speaks the sum of the cards out loud before revealing the amount of the bank cards.

If the player's hand totals 6, 7, 8 or 9, then no third card is dealt, but if the player's position scores between 0 and 5, then an extra card is dealt. In all cases where the sum of the cards is higher than the pot, a win is credited.

In cases where the amount is less, the loss is a forfeit. In the event of a tie, a draw is declared.

After selecting your bank position:

  1. The bank must hold a third card if the amount available is 0, 1 or 2 and the player does not have an 8 or 9.
  2. If the pot is 3 and the player does not have an 8, a third card is also dealt.
  3. If the pot totals 4, the third card is dealt to the player when the player does not receive a third card, or when the player's third card totals between 2 and 7.
  4. The third card is dealt when the pot has a 5 and the player does not receive a third card, or when the player's third card is between 4 and 7.
  5. A third card is dealt when the pot has a 6 only if the player's third card is a 6 or 7.
  6. The bank always plays two cards if the sum of the cards is 7, 8 or 9.
  7. The bank always plays two cards if the sum of the cards is 7, 8 or 9.

Above is an abbreviated version of the rules of the pull: S for standing, H for pulling.

One of the advantages of this game is its simplicity in betting, and its winning conditions are similar to Blackjack. The easy part is that you don't have to remember the intricacies of translating the third card, as the croupier will take care of both the scoring and the translation. All you have to do is have fun at the tables, place your bets and of course win.

Baccarat winnings

In this game, you can gamble both large and small amounts. Your winnings are of course dependent on your bet.

When betting that the player or the bank will win, the odds are almost always 1:1, only when betting that the bank will win, the casino takes a commission of 5%.

If you are betting for a draw, the odds are usually 9:1. For Player or Bank Pairs (the first two cards of the same suit, e.g. two Kings, two 66s, two 77s, etc.) the odds are usually 12:1. ).

If you bet on a pair of the same type, i.e. an ideal pair (the first two cards are identical in suit and suit, e.g. two Queens of Hearts, two 88s of Spades, etc.) the payout is 25:1.

Please note that different casinos have different payout odds. In Baccarat, the optimal house edge is only 1.14%, which is one of the lowest compared to other casino games.

Baccarat online

Baccarat is now available in almost all casinos in Asia, America, Canada and Europe. However, the game is also becoming increasingly popular in online casinos, where starting stakes can be very small or very large.

You can play at many online casinos, but you should always choose the right website and software carefully before you start, as the terms and conditions and offers will often be uneven.

Here are some of the criteria you should definitely consider when playing Baccarat online :

  1. Gambling licence. Often the country in which it is issued is not critical, but the licence must exist. Otherwise, the player risks all sorts of problems, sometimes including difficulties in withdrawing money from the account.
  2. Quantity and quality of tables. As the game is extremely popular, many of the larger online casinos will have at least a few game tables, sometimes with different formats or bet limits.
  3. Explanation of the rules and stakes. Each player-oriented casino provides short but detailed explanations of the game rules and bet types and amounts.
  4. Probabilities and home advantage. Often in card games, home advantage and the probabilities of winning bets are given.
  5. RNG (Random Number Generator) licence. For online live play, an RNG licence is not required as the player sees the dealer draw the cards. Otherwise, it is always necessary to check whether independent auditors have certified that the online casino uses a fair card dealing system.
  6. Privacy and Security Policy. Online casinos have a duty to ensure the security and privacy of their users - technical updates and how to do this are usually posted on the homepage.
  7. Payment methods and quantities. The best online casinos have many different ways to both deposit and withdraw money from your account. Payment options show that the casinos have good business relationships with other companies and are considered trustworthy.

By playing Baccarat online and betting smaller amounts, you'll get more practice, understand the rules, and perhaps develop your own strategy to become a winning player.

In terms of strategy, many people tend to say that, in theory, the bank's chances of winning are barely better, precisely because the third card is obtained by paying attention to the player's hole cards.

Remember that this is still a game of chance, where the emotions you experience can cost you more than you gain. If you haven't played Baccarat online or live, offers the following online casinos with the best conditions and offers.

Online and land-based: which to choose?

Online Baccarat


  • Convenience. Play anytime, anywhere.
  • Variety.More game options
  • Prizes. Bonuses and shares.
  •  Lower stakes. More affordable betting options.
  • Privacy. Play anonymously.


  • Less social. Lack of physical casino atmosphere and communication.
  • Technical problems. Requires a stable internet connection.
  • Trust. Finding trustworthy websites can be difficult.
  • Cashing out money: processing time for cash withdrawals can take time.

Baccarat in casino parlours


  • Atmosphere. An inclusive and social environment.
  • Immediate payments are made. Winnings are paid immediately.


  • Discomfort. Travel and dress code.
  • Higher costs. Higher minimum bets and additional costs.
  • Crowds: Noisy environment. Busy tables and noisy environment.
  • Limited opportunities. Fewer game options.

The history of Bakar

Accurate historical documentation on Baccarat only emerged in the 19th centuryThe origins are almost impossible to trace, but it is thought that the origins may date back to Ancient Rome. The game most similar to the present one probably originated in Italy in the 15th century, as this country is considered to be the birthplace of almost all card games.

Later, at the end of the 15th century, the game became very popular in France. The first versions were played in a much different way, with more ways to bet, more cards drawn for more players and two different versions of the game.

Later, the game moved from France to America, where it was played according to rules developed in France. Later still, in South America, the game changed dramatically as other players were eliminated, leaving only the casino house (bank) and the player. The version of Baccarat now played is almost identical to the then South American Punto Banco.