Basic Baccarat Play
After all wagers are placed, the banker deals out four cards, face down, first to the caller, who slides the cards to a player (traditionally the largest bettor for that hand), and second to himself, sliding these banker’s card under a corner of the shoe. At this point the player turns over his cards and tosses them to the caller. The caller then announces the total of the player’s hand. Next, the banker uncovers their two cards, and the croupier calls out the hands value. The four suits have no meaning in Baccarat. A decision for the hand may have been reached with just these four cards. Tens and face cards count zero; all other cards count their point value. If the hand totals more than 9, the left digit is disregarded, therefore a 14 becomes a 4. This also means that unlike in blackjack, in baccarat no hand can bust. Totals of 8 or 9 are naturals, and automatic winners, although a natural 9 beats a natural 8. No additional cards are dealt if the player hand adds up to 6, 7, 8, or 9, or if the banker hand totals 7, 8, or 9. The hand that comes closest to a total of 9 wins and all bets are settled. Ties are a push and no money is exchanged. In baccarat Players are free to change their bets as they choose. This means that the next hand they can bet on either the player hand or the banker hand. Previous bets have no influence.
Rules for Player’s Hand
Rules for Banker’s Hand
You will notice that the rules can require the banker to draw even when his first two cards beat the player’s final hand, and a third card can cause the banker’s hand to lose. When both hands are concluded, the caller declares the winner, announcing the point total for each hand.
Typically in baccarat the casino will asses a commission on all winning bets on the banker. This commision is assesed in both online baccarat and casino baccarat. This means that the house advantage on either hand is about the same: 1.06 percent on the banker versus 1.23 percent on the player. The casino pays even money on all bets, which amounts to an overpayment on winning banker bets. The dealers will keep track of your commissions by placing tokens in your numbered commission box in front of them each time you bet and win on the banker’s hand. The will dealers collect the accumulated commissions while the cards are being shuffled for the next round. Before you leave the baccarat table during a shoe you must pay your commission. Always be aware of your commission, and never bet your last chip before settling up this debt to the casino.
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