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Rules of Baccarat

There are three accepted variations of the game Baccarat, them being Punto Banco (North American Baccarat), Baccarat Chemin de Fer and Baccarat Banque.

Because the variations are so different we have split the rules for each into a seperate page of it's own. Below you will find a description of each variation with links to the full rules and how to play for each.

Valuation of Hands

In Baccarat, cards 2-9 are worth face value, 10's and face cards (J, Q, K) are worth zero (note that 10 modulo 10 is equal to zero), and Aces are worth 1 point. Players calculate their score by taking the sum of all cards modulo 10, meaning that after adding the value of the cards the tens digit is ignored. For example, a hand consisting of 2 and 3 is worth 5 (2 + 3 = 5).

A hand consisting of 6 and 7 is worth 3 (6 + 7 = 13 = 3) - the first digit is dropped because the total is higher than 10. A hand consisting of 4 and 6 is worth zero, or Baccarat (4 + 6 = 10 = 0). The name "Baccarat" is unusual in that the game is named after the worst hand, worth 0. The highest score that can be achieved is 9 (from a 4 and 5, 10 and 9, or A and 8, etc).

Punto Banco

In the United States, Australia, Canada, Sweden, and Macau, a variation of baccarat is played in which the casino banks the game at all times. Players may bet on either the player or the banker, which are merely designations for the two hands dealt in each game.

The cards are dealt face down, one to the 'Player' first, then to the 'Banker'; 'Player' then 'Banker' again. This is the initial deal consisting of two cards each. Both cards in each hand are then turned over and added together and the croupier calls the total (e.g. five to the 'Player', three to the 'Banker').

From this position the 'Tableau' or table of play is used to determine if further cards need to be drawn. Depending on the two hands, the Player and Banker may draw a single card or stand pat. The hand with the highest total wins.

Read more about Punto Banco

Baccarat Chemin de Fer

Six full packs of cards of the same pattern are used, shuffled together. The players seat themselves around the table. In the center is a basket for the reception of the used cards. If there is any question as to the relative positions of the players, it is decided by lot. The person who draws the first place seats himself next on the right hand of the croupier, and the rest follow in succession.

The croupier shuffles the cards, and then passes them on, each player having the right to shuffle in turn. When they have made the circuit of the table, the croupier again shuffles, and, having done so, offers the cards to the player on his left, who cuts. The croupier places the cards before him, and, taking a manageable quantity from the top, hands it to the player on his right, who for the time being is dealer, or "banker." The other players are punters.

Read more about Baccarat Chemin de Fer

Baccarat Banque

In Baccarat Chemin de Fer, it will have been noticed that a given bank only continues so long as the banker wins. As soon as he loses, it passes to another player. In Baccarat Banque the position of banker is much more permanent.

Three packs of cards are shuffled together. The banker (unless he retires either of his own free will or by reason of the exhaustion of his finances) holds office until all these cards have been dealt.

The bank is at the outset put up to auction, i.e. belongs to the player who will undertake to risk the largest amount. In some circles, the person who has first set down his name on the list of players has the right to hold the first bank, risking such amount as he may think proper.

Read more about Baccarat Banque

Some More About Baccarat

For some more information on baccarat, you can learn how to play baccarat at many online websites. It's important that you know how to play baccarat before you play this game, it's not the kind of game you can learn whilst playing.

Another interesting game is mini baccarat. Try your hand at this game at online casino sites and you can learn how to play mini baccarat at sites like OnlineGambling.com