Baccarat Rules Explained

Baccarat is a simple card game where you bet on which of two hands — Player or Banker — will be closest to 9. You do not need to make playing decisions; the rules deal the cards for you. This guide explains how it works. Exact payouts are shown in the game's paytable.

The objective

You bet on the Player hand, the Banker hand, or the Tie. The hand closest to a total of 9 wins. You are not dealt a hand yourself — you simply back one of the two.

Card values

Aces count 1; 2-9 count their face value; 10s and picture cards count 0. If a hand totals more than 9, only the last digit counts.

The third-card rule

Whether a third card is drawn follows fixed rules, not player choice. A 'natural' 8 or 9 on the first two cards ends the hand. Otherwise the Player draws first under set conditions, and the Banker's draw depends on the Player's third card. The software applies all of this automatically.

Settlement

Player and Banker bets pay on a winning hand; a Tie usually pays a higher fixed amount but occurs less often. Check the in-game paytable for the exact payouts. Dragon Tiger is a faster one-card cousin — see Dragon Tiger.

🔞 18+ only. Examples are hypothetical and for explanation only — they are not betting advice or real odds. Please gamble responsibly.

FAQ

You bet on the Player hand, Banker hand or Tie. The hand closest to a total of 9 wins. The cards are dealt under fixed rules, with no playing decisions to make.

Aces are 1, cards 2-9 are face value, and 10s and picture cards are 0. If a total exceeds 9, only the last digit counts.

It is a fixed set of conditions deciding whether the Player or Banker draws a third card. It is applied automatically and is not a player choice.

Last updated: 2026-06-15