The Guide On Baccarat Strategy That Will Get You Rich

Baccarat is fairly simple and fast game, less popular than other games but well worth a try. The object of the game is to assemble a hand with points value as close to nine as possible. The internet casino version of baccarat is similar to the versions found at most Vegas casinos which involve two hands, the players and the bankers (the casino).

You have the option of betting on the player, even money, the banker, even money minus a commission (5% usually) to the banker or on a tie, 8:1. The house edge is 1.17% on banker bets and 1.36% on player bets which is reasonable odds for the player.

Card Values

Numbered face cards have their corresponding values, aces are one and picture cards are 10. The value of the hand is the sum of all cards up to 9. If the value goes over 10, then first number is ignored. For example two cards, ACE/8, has a value of 9 while two cards, 3/king has a value of 3.

Game Play

The game starts with the banker and the player being dealt two cards face up. If the score of either of these two hands is 8 or 9, the game is over. These are considered “natural” hands. If there was no initial result then the player goes next, the player has to follow these rules. If the value of his cards are 6, 7, 8 or 9 then he must stand. If the value is less the player can draw one more card. Once the player has three cards he has to stand regardless of their value.

The banker’s rules are more complicated, and I have provided a table below to help visualize them. The banker’s rules largely depend on whether the player has received a third card or not. If the player has only two cards then the banker stands on any total greater than a 6, or draws one more card on anything else. If the player has had a third card drawn then the banker follows these rules.


Banker’s two card total Player’s Third Card Banker Will





1, 2, 3, 4, 5, 6, 7, 9, 0

Draw Card


2, 3, 4, 5, 6, 7

Draw Card


4, 5, 6, 7

Draw Card


6, 7

Draw Card




Baccarat Games

1. Chemin de fer: This game is played in some European casinos, but is not played in the U.K. and North America. The objective is the same (to get as close to 9 as possible) but the rules permit a few conditions where drawing a card is not obligatory. The casino doesn’t play the role of banker, the players bet alongside each other, the players take turns being the banker-dealer the house takes a normal cut out of the player banker’s winning coup.

2. Baccarat: This game is the only game played in the U.K. and North America. The goal is the same though the game is severely mechanical with formal rules dictating every aspect of play. The house banks the game, therefore the bets can be a great deal larger than when another player is acting as the bank, also with the house assuming the role of banker the game can be played with as few as one player.

3. Mini-baccarat: A new version of the game. The game is played at a blackjack sized table with up to seven players. The rules are similar as for the full version of baccarat, though to speed up the game the players don’t feel the cards they are dealt by the casino dealer. The stakes are much lower for this game than the full version, this plus the less formal atmosphere make this version appeal to many players.

About Baccarat

Baccarat (correctly pronounced “BAH-kah-rah”) has long been a favorite card game of high rollers, but even many more budgeted players as well! The rules are incredibly simple and can be mastered in a few minutes. The object of baccarat is to correctly predict whether the banker’s hand will win, the player’s hand will win, or the game will result in a tie.

The value of a hand is determined by adding the values of its individual cards. Tens and face cards count as zero, while all other cards count as their numerical value. After summing the total, only the last digit is used. Therefore, baccarat hands all have values from 0 to 9. The hand with the higher value wins. If the hands have the same value, the game results in a tie. Initially, both the banker and the player are dealt two cards. If the two initial cards total 8 or 9, the hand is called a “natural”, and the game will end at that point. Otherwise, standard Baccarat “third card rules” (that Gold Club players need not remember) determine if a hand should receive a third and final card.

Winning bets on the player’s hand are paid at 1:1 odds. A 5% commission is charged on winnings as a result of a bet on the banker, making the net odds on banker bets 0.95 to 1. A winning wager on a tie bet is paid at 8:1odds. If the game does result in a tie, bets on the banker or player are returned.

If you have an abundance of pure luck, then Baccarat is your game. Baccarat is played using a fixed set of rules for the player and the dealer. Calculations have been made that show the odds of the player winning are 44.62%, losing 45.85%, and tying 9.53%. Thus it would seem advantageous to bet on the house winning virtually every hand.

To even out the odds, the house charges a commission (usually 5%) on winning bets placed on the house. How should this change the way a player wagers?

Factoring in the commission, you are still slightly better off betting that the house will win. This assumes the commission is the usual 5%. However, should the commission change then you have to adapt your strategy. If the commission is less than 5% then it is always advantageous to bet on the house, while if the commission is more than 5% it pays to bet on the player winning.

Removing the tie hands in the event there is no payoff, the odds of the player winning are 49.32% and for losing 50.68%. For various commissions we can calculate the following average payoffs then, assuming 100 wagers of $1 were made.

4% Commission Betting on the player Betting with the house
Winning $49.32 $50.68 * 96% $48.65
Losing $50.68 $49.32
Difference -$1.36 $0.67
You lose less when betting with the dealer.
5% Commission Betting on the player Betting with the house
Winning $49.32 $50.68 * 95% $48.15
Losing $50.68 $49.32
Difference -$1.36 -$1.17
You lose less when betting with the dealer.
6% Commission Betting on the player Betting with the house
Winning $49.32 $50.68 * 94% $47.64
Losing $50.68 $49.32
Difference -$1.36 -$1.68
You lose less when betting with the player.

Baccarat sometimes allows for a bet to be made for a tie, and sometimes doesn’t (mini Baccarat typically played online usually does). Although the odds of 8 to 1 may sound appealing, it is considered one of the worst wagers in the casino, so don’t bother making this bet part of your baccarat strategy.

You can test out your Baccarat strategies right now at Hotspot Casino. They offer a great version of online Baccarat you can play for real money or just for fun. They do allow tie bets and take a 5% commission on banker bets, a great rendition of Baccarat online.

Good luck at the best online baccarat tables!


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