Baccarat Guide

Objective

The objective of Baccarat is to wager on the hand that will win with a point total of 9, or as close to it as possible.

Baccarat Basics

The word Baccarat is derived from the Italian word "baccara", meaning zero, and refers to the zero value given to all of the face cards and tens.

As the player, you make only two decisions before the cards are dealt: the position you believe will win the next hand (player, banker or tie) and the amount of your wager.

You have no decisions to make during the game itself.

Cards from 2-9 are counted at their face value, Aces are worth 1, and picture cards and tens are counted as 0 (suits do not matter).

Our Baccarat game is played with six decks of cards, which are shuffled after each round.

Each round begins when you bet on the player, banker or tie.

After you place your bet, you and the dealer (banker) each receive two cards. The score of each hand appears to the left of the cards.
- For example: If your cards are 4 and 9, then their total is 13, and the score is 3. The score always ranges from 0 to 9. A third card may or may not be dealt to the player, dealer or both.
- Note: If either you or the banker has a score of 8 or a 9, you both stand (this is called a natural).

Baccarat Specifics

Third Card Rules

Player's Hand

Player's Actions
Player's Two-Card Score	Player's Action
0-1-2-3-4-5	Draw, unless Banker has a 'natural'
6-7-8-9	Stand

Banker's Hand

Player Draws Third Card
Score of Banker's Two Cards	Draw when Player's Third Card is:	Stand when Player's Third Card is:
0-1-2	Draw always, unless Player has a 'natural'	Draw always, unless Player has a 'natural'
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	Stand always	Stand always
8-9	Player and Banker stand	Player and Banker stand

Player Doesn't Draw Third Card (Player Stands)
Score of Banker's Two Cards	Banker's Action
0-1-2-3-4-5	Draw, unless Player has a 'natural'
6-7-8-9	Stand

The scores of the player and banker are compared, and the winner is the one with the highest score. Winning bets on the player pay 1-1, winning bets on the banker pay 19-20 (even money less a 5% commission) and winning bets on a tie pay 9-1.
Note: In case of a tie, all bets placed on player or banker are returned to the player.

Table Limits

Table Limits:
Table Type	Minimum Bet	Maximum Bet
I	$2	$100
II	$5	$200
III	$25	$350

General Text Boxes

Message: This indicates whether you are the Player or Dealer.

Opponent: This tells you the name (or nickname) of your current opponent.

Last Round: This tells you how much you have won or lost in the previous round.

Dealer Points: This is your current Dealer Points balance. As Player, you accumulate 1 Dealer Point on every dollar you place as a bet. As Dealer, 1 Dealer Point is deducted for every 1 dollar bet against you.

Fun Balance/Balance: This is your current Fun/Real-Money Balance (in US dollars).

Commission: When playing as Dealer, you pay a commission of 1.75% on the total bets placed against you (when playing as Player you do not pay commissions).

Baccarat Text Boxes

Card Labels: These labels appear above the cards and inform you of the current sum of your cards.

Bet Labels: These labels appear to the left of your bet and inform you how much money you have placed on the table.

Won/Lost Labels: These labels appear above the cards and indicate whether you have won or lost.

Game Options

Tie, Banker, Player: These are the three position options. Click on the position you believe will win the next hand.

Game Chips, $1, $5, $25 and $100: With the game chips, you make your bet on the table by creating a chip tower. To remove chips, place your cursor on the tower and left-click your mouse.

Deal: Once you have placed your bets on the table, click Deal to deal the cards.

Disconnections

Communication problems over the Internet may cause sudden disconnections. Our software has been designed to cope with these disconnections and protect you from unjustified losses.

If you are playing Baccarat as the Dealer and a disconnection occurs after you have clicked the Approve button, the play will continue until the Player has finished his turn. This will have no effect on you as the Dealer is played automatically according to the rules of the game.

If you are playing Baccarat as the Player and the disconnection occurs before you click Deal, your bet will be returned to your balance. If the disconnection occurs after you click Deal, the round will continue until the end. This will have no negative effect on you as you do not make any decisions after the cards have been dealt.

After connection is re-established, you can enter the History page and see the results of the last round (History is available for Real Money mode only).

Playing as Dealer

Our casino offers you the unique option of playing the role of the Dealer. This option increases your chances of winning, as you gain some of the favorable odds reserved for the Casino. At the end of every round, the Casino takes a commission of 1.75% of the total bets placed against the Dealer.

Example
A Dealer chooses to play in Table II. This means that the Dealer meets the minimum requirements for playing in this table type: a minimum of 50 Dealer Points and a minimum balance of $500. The system then matches a Player to the Dealer and after the Dealer approves the next round, the Player places his bets on the table. Notice that the view of the table has changed to that of the Dealer's. Let's say the Player places $10 on banker. The Player's first two cards are 10,3, and the Dealer's first two cards are 10,K. According to the rules of Baccarat, the Player draws a third card and receives a 10. Therefore, the Dealer must draw a third card and receives a Q. The Player's score is 3 and the banker's score is 0. The Player loses his bet and as the bet against the Dealer was $10, the Casino takes a commission of $0.18 (1.75%*10), which means the Dealer wins $9.82 ($10-$0.18) on this round.

Minimum Dealer Points and Balance

You can play as Dealer once you have accumulated enough Dealer Points and you have enough money in your balance, according to the game's limits.

The minimum balance required is a bit higher than the total winnings of the Player in a given round. This is calculated as: 9 * (Maximum Bet) + 1.75%(Casino commission) * (Maximum Bet).

Game Options

Approve Button/Auto-Approve Feature
When playing as Dealer, before each round commences you must approve the next round. After you approve the round, the Player can place his bets and play. The Auto-Approve feature allows you to automatically approve the next rounds, without having to approve every round individually.