Baccarat Rules and Payouts Explained


Baccarat is a game that drives high-limit business for many casino operators. At one casino in Macau, the game generates more revenue than any other table. But it also comes with risks.

Customers place bets on whether the player or banker hand will have a total value closest to nine. The game is based on card values and specific rules that determine when a third card is drawn.

Game rules

Baccarat is a popular casino game that is easy to learn and fun to play. However, a thorough understanding of the rules and bets is essential to winning. The game uses a standard deck of cards and is played by up to eight players. Players can place bets on either the Player, Banker, or Tie. The hand that has a total closest to nine wins the round. Card values are determined by the number printed on the card, with tens and face cards worth zero points. Aces are worth one point.

During the game, the croupier deals two cards to each of the Player and Banker hands. A third card is then drawn if the first two cards don’t have a winner. Once the results are announced, losing bets are collected and winning bets are paid out. In case of a tie, the bets to the Banker and Player are returned. A Super Six bet is an optional side bet that pays if the Banker hand has a total of six points.


Baccarat is one of the most popular casino games worldwide, but it remains shrouded in a veil of mystery. While some people have figured out how to beat the game, it is usually under older rules or by using a strategy that is only effective in the short term.

Unlike blackjack, which is based on probability over infinite trials, baccarat’s probabilities and house edge are affected by the rules, payout schedule, and number of decks used. This makes it important to understand the odds before playing the game.

Whether you’re betting on the Banker or Player hand, you’ll want to know the odds of winning a given round. The simplest way to calculate the odds is by adding the value of each card in the hand. The cards 2 to 9 have their face value, while the ten, jack, and queen have zero points. The ace is worth one point. The Banker hand has the best odds for winning, but the 5% commission reduces its payout.


There are a few different payouts available for the game of baccarat. Players can bet on the Player, Banker, or Tie. These bets each have a different house edge, and winning bets are paid accordingly. Players should always be sure to play within their bankroll limits. A good rule of thumb is to start with a bet equal to 1% of their total bankroll.

Other side bets include a Royal Match (any eight beats any six) which pays 75:1 and a Big and Small bet that wins if the banker or player has four, five, or six cards. This side bet pays 40:1.

Another popular side bet is the Player’s Pair, which wins if the first two cards in the Player’s hand are the same number or suit. This bet pays 8:1. Players can also make a Tie bet, which pays out 8:1 if the combined value of the Player and Banker’s hands is above or below 9.5.


Baccarat is a popular game in many online casinos because of its low house edge and simple rules. But it has several variations that can change the game’s rules and payouts slightly. These changes are noticeable in the types of bets available and the odds offered on different outcomes.

Some baccarat variations use eight decks of cards. Others use only six. The game can also be played with two dealers instead of one, and it can be played in a smaller table. The game’s name, Chemin de Fer, translates to “iron road” or “railway”.

Players place bets on either the banker or player hand and hope that their hand will total closer to nine than the other. The winning hand is determined when the dealer’s and the bettors’ hands are revealed. The values of the cards are determined according to a specific rule: Tens and jacks count as zero, while queens and kings count as one.