The Basics of Baccarat


Baccarat is a game of chance with three possible outcomes: player win, banker win, and tie. It is a simple and exciting game that can be played online.

A winning player hand qualifies for a 1 to 1 payout, while a winning bank hand pays out 95% of the stake. Those who wager on the tie are eligible for an 8 to 1 payout.

Game rules

Baccarat is a simple casino game that requires very little skill. Its hard exterior belies its ease of play, and it’s a popular choice among Asian high rollers. But if you’re planning on playing this game, it’s important to know the rules of the game.

The player’s and banker’s hands are compared to determine which one is closest to nine. If the player’s hand is closer to 9, it wins, and the bet is paid 97:100. The casino keeps 3% of the basic bet. A player can also place a bet on the dealer total or three face cards. These bets pay a lower amount and have different odds.

When betting on a winning baccarat hand, you should understand the payouts. The Player hand and the Banker’s hand are both eligible for a 1:1 payout, but you must pay a 5% commission on a winning Banker hand. This reduces the payout odds on this hand to 19 to 20.


Unless you’re counting ties, the odds of winning or losing in baccarat are roughly the same, and the game’s house edge is about 1.5%. But there are some advanced betting systems that can help you maximize your profits.

For example, the Martingale system, which became popular in 18th century France, is a strategy that involves progressively increasing your bets. This method can work in many casino games, including baccarat. It’s also been used in forex trading, securities investments, and other investment vehicles that call for long-term profit expectancy.

The game’s rules are simple, and players can bet on either the Player or Banker hand. The goal is to get closer to nine than the opposing hand. If your cards total more than nine, the first digit is dropped (for example, an 8 and a 7 would become 5). Score sheets are available at live baccarat tables to keep track of your progress. In addition to wagers on the Player and Banker, you can also make a Big and Small bet on four, five, or six-card combinations.


As with most casino games, Baccarat payouts depend on the number of rounds (or coups) played. The player and banker bets both have low house edges, but the winner is decided by whose hand has the highest total value when all the pips are added up. Generally, the winning player’s hand must be closest to nine points. Picture cards and tens are worth zero points, while aces count as one point.

Many players have devised betting systems that help them optimize their baccarat strategy. The 1-3-2-6 system, for example, helps reduce the amount a player can lose and increases their chances of winning.

Another popular baccarat strategy is the Martingale method. In this strategy, a player doubles their stake after every loss. However, this method can be risky and is not recommended for newcomers to the game. It can also increase a player’s bankroll too quickly, and can cause them to make big bets that they cannot afford.


Baccarat offers more variety than most gamblers realize. Several different versions of the game are available at land-based and online casinos, and some of these variations can vary in terms of rules and side bets. These variants may also affect the odds of winning or losing.

The simplest variation is called punto banco, or “player banker.” The house edge is low, and players make a single decision before the cards are dealt. They bet on the player or banker hand and hope their card is closer to nine than the other.

Another popular variation is baccarat super six. This commission-free version reduces the house edge to 1.78%, and it allows for faster play. However, the win rate is only four times higher than that of traditional baccarat, and it’s still vulnerable to advantage play. In addition, it is not the same as a true baccarat and may be prohibited in some casinos.