Rules of Baccarat Game for Players

When the Player’s first two cards total: Player Action
0, 1, 2, 3, 4, 5 DRAW
6, 7 STAND
8, 9 STAND (natural)

Now it is the Banker’s turn. When the Player stands on 6 or 7 (and therefore did not draw a third card), the Banker’s play is quite straightforward. The Banker must draw on scores of 0, 1, 2, 3, 4, or 5 and stand on 6 or 7.

Rules of Play for Banker when Player Stands on 6 or 7

When the Banker’s first two cards total: Banker Action
0, 1, 2, 3, 4, 5 DRAW
6, 7 STAND
8, 9 STAND (natural)

However, if the Player did draw a third card, the Banker’s play gets more interesting. In this case, the Banker stands on a score of 7 but draws or stands on scores of 6 or less depending on the value of the Player’s THIRD CARD (not on the score of the Player’s HAND). The rules governing whether the Banker draws or stands are as follows:

Rules of Play for Banker when Player Draws a Third Card

Banker’s
Score
Player’s Third Card
0 1 2 3 4 5 6 7 8 9
7 S S S S S S S S S S
6 S S S S S S D D S S
5 S S S S D D D D S S
4 S S D D D D D D S S
3 D D D D D D D D S D
2 D D D D D D D D D D
1 D D D D D D D D D D
0 D D D D D D D D D D
S = STAND D = DRAW

Winning

  • The hand with the highest score closest to nine wins.
  • Winning bets on the Player’s hand are paid at 1-to-1.
  • Winning bets on the Banker’s hand are also paid at 1-to-1. However, a winning Banker bet pays a 5% commission to the House. Each time you win when betting on the Banker, 5% of the winning amount is automatically deducted from your Account balance.
  • If both hands result in equal scores, the Tie bet wins, paying 8-to-1. When a tie occurs, all bets on either the Player or the Banker are a push (neither paid nor taken).