Baccarat Rules  

Baccarat is not an exceedingly complex game, but it does have certain idiosyncrasies that take some getting used to.

Banker vs. Player

Regardless of how many people are playing, only two hands are dealt. One is designated the banker hand, the other is the player hand. Any customer may bet on either hand, with the exception that the customer holding the shoe in the full-scale game must either bet banker or pass the shoe. Do not think of the bank hand as belonging to the house or the player hand belonging to the bettor. To avoid confusion, we’ll refer to baccarat “bettors” or “customers” rather than “players.”

The Play

The object is to bet on the two- or three-card hand that totals closer to nine. Tens and face cards all are worth zero points; all other cards are worth their face value, with the ace worth one point. If a total is more than 10, the second digit is the value of the hand. For example, a 9 and a 6, which total 15, make up a five-point hand.

Initially, two cards are dealt for each hand. The point totals determine whether either hand gets a third card. The player hand is completed first. A total of 8 or 9 is called a “natural,” and the player hand gets no more cards. In fact, unless the banker has a natural 9 or ties the natural 8, no further cards are drawn, and the naturals are automatic winners. Player also stands on totals of 6 or 7. On any other total, zero through 5, player draws a third card, unless banker has a natural, in which case the bank hand wins with no further draw.

Banker rules are a bit more complex. Banker also stands on 7, 8, or 9 and draws on 0, 1, or 2, but on other hands the banker’s play is dependent on the value of the player’s third card. Banker hits 3 unless the player’s third card is an 8; hits 4 unless the player’s third card is 1, 8, 9, or 10; hits 5 only if the player’s third card is 4, 5, 6, or 7; and hits 6 only if the player’s third card is 6 or 7.

Player Hand: When first two cards total:

1-2-3-4-5-10 Draaws a card
6-7 Stands
8-9 Natural — Stands

Banker Hand

First two cards total: Draws when player’s third card is: Stands when player’s third card is:
3 1-2-3-4-5-6-7-9-10 8
4 2-3-4-5-6-7 1-8-9-10
5 4-5-6-7 1-2-3-8-9-10
6 6-7 1-2-3-4-5-8-9-10
7 Stands  
8-0 Natural — Stands  
0-1-2 Always draws  

There are a few exceptions. A natural, as noted above, stops play with no further draws. And if the player has one of its other two standing hands, 6 or 7, bank stands on 6 as well as 7, 8, and 9.

And that’s it. Neither hand ever gets more than three cards. After the hands have been played out, the hand totaling closer to 9 wins. Winning bets are paid off at even money. Ties push — neither hand wins nor loses.

Bets on Ties and Pairs

Bettors can make a side-bets, Winning bets on ties pay off at 8-1. Winning bets on Pairs pay off at 11-1.


For the bettor, baccarat is a game of luck plus money management. Do not make bets too large for your available bankroll, and do not increase bets when losing. Making larger bets while chasing losses is a good way to go broke fast. If you’re going to vary your bet size, increase it while winning and bring it down when losing. Set limits on your losses and stick to them.

The  Road Maps

The roadmaps record the history and trends of the current dealing shoe. trends are recorded on“Roads”,which are pictorial representations of the results and trends of the shoe as hands have been dealt.

The roads help players to quickly assess the history of the game, identify trends and attempt to predict future results.

Players can use this information to help them determine how to bet.

There are no recommended ways to apply this information to make future betting predictions, each player is responsible for using the information for how they see fit