The object of the game
Players attempt to predict which of the two hands (Player or Banker) will have a point total closest to 9, the highest value for a hand at baccarat. Baccarat is played with six or eight decks of cards dealt from a shoe.
Players may wager on the Player hand (Joueur) or on the Banker hand (Banque). Players wagering on the Banker hand must add a commission equal to 5% of their wager in the appropriate area on the layout. They may also wager on a tie (Égalité). All bets must be placed before the dealer draws the first card from the shoe.
Players must respect the minimum and maximum limits indicated at the table when placing their bets. These limits may vary from one table to the next.
Face cards and tens count as 0, Aces count as 1 and all other cards are counted at face value. The value of each hand is the last digit of the sum of the cards.
For example: 10 + 4 + 9 = 13. The value of this hand is 3.
With each hand being dealt, the first and third cards dealt from the shoe make up the Player hand, and the second and fourth cards, the Banker hand. Once the cards are distributed, the dealer announces the point count for each hand.
If the total of one of the two hands, each made up of two cards, is 8 or 9, the hand is called a Natural, and no other cards are dealt for the Player hand or the Banker hand. Otherwise, a third card may be drawn, as the case may be, for the Player hand or the Banker hand, as indicated in the chart below:
A wager on the Player hand (Joueur) wins and is paid even money (1 to 1) if the total value of the Player hand is higher than that of the Banker hand. It loses if its total value is lower than that of the Banker hand.
A wager on the Banker hand (Banque) wins and is paid even money (1 to 1) if the total value of the Banker hand is higher than that of the Player hand. It loses if its total value is lower than that of the Player hand. When a wager on the Banker hand is a winner, the 5% commission on the amount of the wager is collected. If the wager is not a multiple of 10, the commission is calculated based on the next higher multiple of 10.
A wager on a tie (Égalité) wins and is paid 8 to 1 if the total value of the Player hand is equal to that of the Banker hand. It loses if the total value of the Player hand and the Banker hand is different. In the case of a tie, the wagers on both the Player hand and the Banker hand are a push, i.e. they neither win nor lose.