Baccarat is a popular card game in casinos known for its simple rules and low house edge. Originating in Italy and later popularized in France, baccarat is now played globally, both in land-based casinos and online platforms.
It’s primarily a comparison game between two hands: the Player and the Banker. Bettors place their wagers on which hand will win or if the result will be a tie.
How to Play Baccarat: Step-by-Step Rules
1. Objective of Baccarat
The objective is to bet on the hand that will get closest to a total of 9. Only the last digit of the hand total counts. For example, a 7 and an 8 equal 15, but the hand counts as 5.
2. Card Values in Baccarat
Card Value:
2–9 Face value
10, J, Q, K 0 points
Ace 1 point
3. Types of Baccarat Bets
Player Bet: Wins if the Player’s hand is closer to 9.
Banker Bet: Wins if the Banker’s hand is closer to 9.
Tie Bet: Wins if both hands are equal in value.
4. Dealing the Cards
Two cards are dealt to both the Player and the Banker.
A third card may be drawn depending on the total points of the first two cards.
5. Third Card Rules (Simplified)
Player’s Hand
Total 0–5: Draws a third card
Total 6–7: Stands
Total 8–9: Natural win, no draw
Banker’s Hand
The Banker’s third card rule depends on the Player’s third card and the Banker’s total:
Banker’s Total Draws if Player’s Third Card is:
0–2 Always draws
3 0–7, 9 (not 8)
4 2–7
5 4–7
6 6–7
7 Stands
Types of Baccarat Games
Punto Banco
The most common version, especially found in the US and online casinos. The casino acts as the bank, and players bet on outcomes.
Chemin de Fer
Popular in European casinos. Players take turns being the banker and can choose whether to draw cards.
Baccarat Banque
Similar to Chemin de Fer, but the banker role is held by one player for the entire shoe.
Winning Tips for Beginners
1. Bet on the Banker
The Banker bet has the lowest house edge: 1.06%. Even after the 5% commission on Banker wins, this is statistically the safest bet.
2. Avoid the Tie Bet
Although it offers an 8:1 or 9:1 payout, the house edge is over 14%, making it a high-risk option.
3. Follow a Consistent Strategy
Stick to one betting pattern, such as always betting on the Banker. This approach minimizes erratic betting behavior.
4. Manage Your Bankroll
Set a fixed budget and session time. Avoid increasing bet sizes after losses (no Martingale strategy).
5. Ignore Patterns
Baccarat scoreboards may show trends, but each hand is independent. Pattern tracking has no mathematical basis.
6. Know When to Stop
Set a win and loss limit before starting. Once reached, walk away. This preserves your winnings and limits losses.
7. Practice with Free Games
Before risking real money, play free baccarat online. This helps you learn rules and test strategies risk-free.
House Edge Comparison in Baccarat
Bet Type House Edge
- Banker 1.06%
- Player 1.24%
- Tie 14.36% (8:1 payout)
Best Baccarat Strategies for Beginners
- Flat Betting System
Wager the same amount on every hand. This reduces variance and helps control losses.
- 2. 1-3-2-6 System
- A low-risk positive progression system:
Win the first hand, increase the bet to 3 units
Win again, bet 2 units
Win third, bet 6 units
After fourth hand or any loss, return to 1 unit
- Banker Streak Strategy
If the Banker hand is on a winning streak, keep betting on Banker until it loses. Statistically, Banker has a slightly higher chance of winning.
Always choose casinos licensed by recognized authorities.
Is Baccarat a Game of Skill or Luck?
Baccarat is mostly a game of chance. Unlike poker or blackjack, there are no decisions that affect the outcome after placing your bet. However, betting strategy and bankroll management can improve your long-term performance.
Frequently Asked Questions (FAQs)
What is the best bet in baccarat?
The Banker bet is statistically the best option, with a house edge of 1.06%, even after a 5% commission.
Can beginners win at baccarat?
Yes, beginners can win at baccarat, especially by betting on the Banker and managing their bankroll responsibly.
Is there any strategy to win at baccarat?
There is no guaranteed strategy, but flat betting and favoring the Banker bet can improve odds over time.
Why is the Banker bet better in baccarat?
Due to drawing rules that favor it, the banker bet wins 45.86% of the time, slightly more than the Player hand.
How many decks are used in baccarat?
Most games use 6 to 8 decks, shuffled together. Fewer decks reduce the house edge slightly.
Should I avoid the tie bet in baccarat?
Yes, the tie bet has a house edge of over 14%, making it the least favorable option despite high payouts.
Is online baccarat rigged?
Licensed online casinos use RNG or live dealers to ensure fairness. Always play at regulated sites with transparent audits.
Conclusion: Learn the Game Before You Bet
Baccarat is one of the most beginner-friendly casino games. With a few rules to understand and limited decision-making required, it’s ideal for those new to gambling. Focus on Banker bets, practice with free versions, and apply solid bankroll management to increase your chances of success.