American Baccarat

Baccarat is a simple game with only three possible results - 'Player', 'Banker' and 'Tie'. The term 'Player' does not refer to the customer and the term 'Banker' does not refer to the casino. They are just options on which the customer can bet.

In Baccarat, cards 2-9 are worth face value, 10's and face cards (J, Q, K) are worth zero and Aces are worth 1 point. You calculate your score by taking the sum of your card and after adding the value, the tens digit is ignored. For example, a hand consisting of 2 and 3 is worth 5 (2 + 3 = 5). A hand consisting of 5 and 7 is worth 2 (5 + 7 = 12 = 2). 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).

How to play Baccarat

1. Launch the Baccarat game.
2. Select the denomination which you would to bet.
3. Place your bets by clicking on Banker, Player or Tie.
4. To decrease a bet hold down 'Shift' on your keyboard and left click the chip pile of the bet you want to decrease.
5. Now click 'Deal' to start the hand.

The cards are automatically dealt, one to the 'Player' first, then to the 'Banker' and 'Player' then 'Banker' again. This is the initial deal consisting of two cards each. Depending on the two hands, the Player and Banker may draw a third single card or stand. The hand with the highest total wins.

If either the Player or the Banker achieves a total of 8 or 9 on the initial deal (known as a 'Natural'), no further cards are drawn. If not, play proceeds as follows.

If the Player has an initial total of 0-5, the Player draws a single card. If the Player has an initial total of 6 or 7, he stands. The Banker's play depends on the Player's hand, on whether the Player drew a card, and on what card the Player drew:

  • If the Player did not draw a card, the Banker draws if he has 0-5, and stands if he has 6-7.
  • If the Player drew a 2 or 3, the Banker draws if he has 0-4, and stands if he has 5-7.
  • If the Player drew a 4 or 5, the Banker draws if he has 0-5, and stands if he has 6-7.
  • If the Player drew a 6 or 7, the Banker draws if he has 0-6, and stands if he has 7.
  • If the Player drew an 8, the Banker draws if he has 0-2, and stands if he has 3-7.
  • If the Player drew an ace, 9, 10, or face-card, the Banker draws if he has 0-3, and stands if he has 4-7.


Payouts

Even money or 1-1 will be paid to the 'Player' and 95% to the 'Banker'. A 5% commission is taken for all winning 'Banker' bets.
Should both the 'Banker's' hand and the 'Player's' hand have the same value then the hand result would be a 'Tie'. All tie bets will be paid at 8 to 1 odds and all bets on 'Player' or 'Banker' is returned.

Malfunction voids all plays and pays.

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