How to Play Baccarat


Baccarat, often portrayed with glamour in classic casino movies, might seem like a complex game reserved for high rollers. But the truth is, it’s a surprisingly simple game with a relatively low house edge. In fact, its core gameplay resembles flipping a coin, making it an accessible and potentially rewarding option for both experienced and novice players. Read more: How to Play Baccarat. 

This guide aims to demystify baccarat by delving into its essential elements, including:

  • The Objective and Basic Rules
  • Card Values and Hand Totals
  • Winning Bets and Payouts
  • Understanding Third Card Drawing
  • Top Tips and Strategies for Beginners
  • Popular Baccarat Strategies Explained
  • A Glimpse into the History of Baccarat

MrQ30 Free Spins with your first deposit!
Great selection of slots
New UK casino

First deposit only. Min deposit & spend £10. Max 30 spins on TED at 20p per spin. Spins credited upon spend of £10. 18+T&C apply

Visit Casino
BeGambleAware 18+
T&C apply
How to Play: Baccarat

The Objective: Predicting the Winning Hand

The core objective of baccarat is to correctly predict which hand, the Player or the Banker, will have a total closest to 9 after the cards are dealt. This simplicity lies at the heart of the game’s appeal, as it eliminates complicated calculations or strategic decision-making for players.

Understanding the Fundamentals: Cards and Their Values

Unlike games like blackjack, where card values remain constant, baccarat has a unique way of assigning values to cards:

  • Tens and face cards (King, Queen, Jack): These cards have a value of zero.
  • Ace: An ace is valued at one.
  • Numbered cards (2-9): These cards retain their face value.

How to Play Baccarat | Calculating Hand Totals and the “Over 9” Rule

Once cards are dealt to the Player and Banker hands, their individual values are added together. However, there’s a twist: if the hand total exceeds 9, the first digit is dropped. For example, if the Player receives a 7 and a 6, their total would be 13, but after applying the “over 9” rule, the hand value becomes 3.

How to Play Baccarat | Third Card Drawing: When Does it Happen?

While players don’t directly influence the drawing of cards, specific rules dictate when the Player or Banker receives a third card. These rules, readily available at the table or explained by the dealer, aim to ensure both hands have a fair chance of reaching a total closer to 9.

How to Play Baccarat | Reaping the Rewards: Understanding Payouts

When the game concludes, the hand with the total closest to 9 is declared the winner. Here’s a breakdown of the payouts for winning bets:

  • Player Hand Win: You win double your bet (1:1 payout).
  • Banker Hand Win: You win 1:1, but a 5% commission is deducted, resulting in a 19:20 payout.
  • Tie: This rare occurrence pays a handsome 8:1 payout.

How to Play Baccarat | Top Tips for Beginners

Whether you’re a seasoned gambler or a curious newcomer, these tips can help you navigate your baccarat journey:

  • Avoid Tie Bets: The house edge on tie bets is significantly higher, making them a less favourable option in the long run.
  • Favour the Banker: Statistically, the Banker wins slightly more often than the Player. However, the presence of the commission means the overall payout is slightly lower.
  • Follow the Bank, but Strategise Wisely: While the Banker bet offers better odds, don’t chase losses indefinitely. Observe winning streaks and adjust your bets accordingly.
  • Ignore Past Bets: Each round is independent. Treat each hand as a new opportunity and avoid basing your decisions on past outcomes.
  • Manage Your Bankroll Wisely: Set realistic betting limits and stick to them. Remember, gambling should be a form of entertainment, not a means to recoup financial losses.

Popular Baccarat Strategies: Explore Different Approaches

While baccarat relies heavily on luck, some players explore strategies to optimize their gameplay. Here are three popular approaches:

  • 1-3-2-4 System: This progressive betting system involves increasing your wager incrementally after wins (1 unit, 3 units, 2 units, 4 units) and resetting after four consecutive wins.
  • One-Sided Betting: This strategy involves choosing a side (Player or Banker) and sticking with it throughout the game. The goal is to capitalize on short-term advantages that might occur for one side over the other.
  • Martingale Strategy (Caution Advised!): This strategy involves doubling your bet after every loss. However, it’s crucial to exercise extreme caution with this approach. The Martingale strategy can lead to significant losses if a winning streak doesn’t materialise quickly, as it requires placing increasingly larger bets to recover previous losses. It’s generally not recommended for beginners and should only be attempted by experienced players who understand the inherent risks and are prepared to manage them responsibly.

A Glimpse into the History of Baccarat

The exact origin of baccarat remains shrouded in some mystery, with various theories attributing it to different historical periods and locations. However, most accounts agree that it originated in 15th-century Italy and was initially played by the nobility. The name “baccarat” is derived from the Italian word “baccara,” which translates to “zero,” likely referring to the value assigned to face cards and tens.

Over centuries, the game evolved and spread across Europe, reaching its peak of popularity in 19th-century France. It then transitioned to the United States in the 20th century and eventually found its way into casinos worldwide. Today, baccarat remains a popular choice for its simplicity, elegance, and potential for exciting payouts.

Embracing the Game

By understanding the fundamental rules, card values, and basic strategies, you can demystify the seemingly complex world of baccarat. This guide equips you with the essential knowledge to approach the game with confidence and potentially enhance your enjoyment as you navigate the thrill of the baccarat table. Remember, responsible gambling practices and a realistic understanding of the game’s inherent randomness are crucial for a positive and rewarding experience.

This guide provides a foundational understanding of baccarat. More advanced concepts like card counting and their effectiveness are beyond the scope of this introductory material.

It’s essential to gamble responsibly and seek help from organisations like Gamblers Anonymous if you suspect gambling addiction.

Always play at reputable and licensed casinos that adhere to fair gaming practices.

With this knowledge in hand, you are now prepared to explore the exciting world of baccarat and potentially experience the thrill of the game while managing your risks responsibly.

MrQ30 Free Spins with your first deposit!
Great selection of slots
New UK casino

First deposit only. Min deposit & spend £10. Max 30 spins on TED at 20p per spin. Spins credited upon spend of £10. 18+T&C apply

Visit Casino
BeGambleAware 18+
T&C apply
MrQ Baccarat