The Basics of Baccarat

Baccarat is a card game that pays out winning bets according to which hand is closest to nine. A bet on the banker wins one for one, while backing a player can earn two units. However, casinos charge a small commission on winning banker bets.

The Tie bet is another popular option and pays eight to one, but it has the highest house edge in the casino. As such, serious players stick with the banker or player bets.

Game rules

Baccarat is an extremely easy game to learn. The rules are straightforward: Players bet on either the Banker hand, the Player hand, or a Tie. The winning hand is the one that has a total closest to nine. The score is determined by adding up the pips (the dots on each card that represent clubs, diamonds, hearts, and spades) and subtracting 10 from nine. The croupier (a member of the casino staff who collects and pays bets) then announces the winning hand and pays out losing bets.

Baccarat is a very dangerous game for casinos because it can take huge bets with little house edge, according to Bill Zender, who wrote the book on managing casino games. As a result, Asian high rollers have made it their game of choice. Zender shares that he has seen some baccarat bets reach $750,000 SGD or $550,000 USD per hand. The game is also popular in Monaco, where it was portrayed by Sean Connery in the 1953 novel Casino Royale.


Baccarat has a number of betting options. Players can bet on the player hand, the banker hand, or the tie. Generally, it is recommended to avoid the Tie bet since it has the highest house edge. However, it is possible to improve your odds by using a few simple strategies.

The game is played with a nine-card deck of cards. The player and banker hands are dealt two cards each. The winner is the hand with a total closest to nine. Card values are determined by their rank and suit. Tens, jacks, and queens are worth 0 points, while aces equal one point.

Winning bank bets are subject to a 5% commission fee, which may be higher for live dealer games. The game also features a discard tray that holds discarded and played cards. A staff member who deals the cards in baccarat is called a “croupier.” This person is responsible for turning and calling out points and dealing additional cards.


In baccarat, every bet has a specific payout. A winning Player hand pays 1:1, while a Banker bet wins 1:0.95. However, a Banker’s win is subject to a 5% commission. As a result, players must be aware of the odds and house edge associated with each bet before making their choice.

Aside from the main bets, baccarat also offers several side wagers with high payouts and low house edges. These include the ‘Tiger bets’, which pay out if either the Banker or the Player hands form a pair. The ‘Tiger’ bets are a popular option in casinos because they offer some of the highest payouts in baccarat. However, players should note that these bets have a high variance. The ‘Tiger’ bets should only be placed with money that you can afford to lose. Otherwise, you may run out of money quickly and lose all your winnings. Alternatively, you can try to develop a baccarat betting strategy.


Over the years, baccarat has been tailored in various ways to make it more exciting and enthralling. However, most of these variations have failed to meet the high expectations of gamblers.

The game is played with a standard deck of 52 cards that are shuffled together. The values of the cards are determined by their pip denomination, with aces and face cards having a value of one. The objective of the game is to get a total closest to nine.

Once players have placed their bets, the dealer will deal two cards to the Player and Banker box. He will then reveal the results of the hands and pay out winning bets. If the result is a tie, the players will receive even money. Another variation of baccarat is EZ Baccarat, which has lower house edges than other versions and does not charge the banker when they win with a total of 7. Lastly, there is also a version called Squeeze Baccarat, in which the player gets the chance to bend and twist (or “squeeze”) the cards as part of the dealing ritual.