Baccarat is an exciting card/table game found in most casinos around the world. To begin, you have 3 selections on where to place your wager: bet the player’s hand will win; bet the banker’s hand will win; bet the game will result in a tie.


The winner is the hand with the point value closest to 9. In the event of a tie, any wagers placed on the player or the banker are returned. If you wager on a tie and the two hands result in a tie, your payoff is 8 to 1.


To play, place your wager on the player’s hand, the bank’s hand, or on a tie. Once your wager is placed, click "DEAL". The player and the banker are each dealt their two-card hand. According to standard baccarat rules outlined below ["Third Card Rules"], a third card may be dealt to the player and/or the banker.

Card Values

  • Ace = one [1]
  • Face cards and 10’s = zero [0]
  • All other cards count as their numbered value; for example, the seven [7] of hearts has a value of 7

If the cards in either hand have a combined value of ten or more points, subtract ten. The remainder is the baccarat point value of the hand. For example: 6+7=13, which counts as a 3 in baccarat; 9+9=18, which counts as 8. Face cards and 10’s count as 0, so for example 9+King=9.

Third Card Rules

In baccarat, the player always goes first, and draws a third card if the hand total is 0-5, otherwise another card is not drawn and play proceeds to the banker.

If the banker's first two cards total 0, 1 or 2, then the banker draws one card, otherwise the banker draws according to this table:

3 0, 1, 2, 3, 4, 5, 6, 7, 9 8
4 2, 3, 4, 5, 6, 7 0, 1, 8, 9
5 4, 5, 6, 7 0, 1, 2, 3, 8, 9
6 6, 7 0, 1, 2, 3, 4, 5, 8, 9
7 Always stands  
8, 9 Player cannot draw Player cannot draw

Betting and Limits

Select a chip value using the left mouse button. Then, with the left mouse button, click the area on the baccarat table where you wish to place your wager. If you wish to change your bet, click on the chips you have already placed on the table using your right mouse button to remove them, or click on "CLEAR" to remove all bets from the table.

Baccarat offers three separate betting ranges: $1 - 100, $5 - 500, and $25 - 1,000. Each of these three betting ranges has separate limits for the lone tie bet and the tie bet that is accompanied by a player or banker bet:

BETTING RANGE $1 - 100 $5 - 500 $25 - 1,000
Minimum bet 1 5 25
Maximum bet 100 500 1,000
Minimum lone tie bet 1 5 25
Minimum tie bet 1 1 5
Maximum tie bet 10 60 120


Even money is paid on all winning wagers placed on the player or banker. However, if you win by betting on the banker, the bank receives a 5% commission. If you wager on a tie and the two hands result in a tie, your payoff is 8 to 1.

Game Buttons

DEAL When you have placed your wagers, this deals the cards
CLEAR Clears the table of bets
LAST BET Places the same bets as in your previous round
NEW GAME Starts a new round