If the player is dealt an 8 or 9, he automatically wins unless the banker also has an 8 or 9. If he has another point total, the dealer may or may not deal a third card depending on the total. There are particular rules for the player and banker to have the third card.

A player receives the third card if the total of the first 2 cards is less than or equal to five.

This is not up to the player to decide, it is determined automatically according to the game rules. Likewise, the banker’s decision to receive the third card is predetermined by a set of rules, which are detailed on the Baccarat Rules page. Whoever has the highest total of points wins the hand.

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Baccarat is a game where punters have the option to bet on the player or the banker to win. Gamblers can also bet that the player and the banker will tie, but this bet offers very low odds and should be avoided.

Bets are placed in the space for this on the table before the dealer gives the cards to the players, so a decision needs to be made before you even know what cards you are going to have. After all there are only three bets to make in this game, with no option to add more bets.

The payouts for these three bets are as follows:

  • Player bets are paid 1-1;
  • Banker bets are paid 1-1, but with 5% commission to the house;
  • Ties are paid 8-1 at most casinos, sometimes (but rarely) 9-1.


Baccarat is one of the easiest casino games to play, but it can be tricky to win consistently. Here are a few tips to help you increase your chances of coming out ahead:


1) Always bet on the Player. The Banker has a slightly higher chance of winning, but the Player has better odds overall.


2) Stick to basic bets. Don’t try to make complicated wagers; just bet on the Player or the Banker to win. This will increase your chances of winning while keeping the game exciting.


3) Know the rules. Make sure you understand how to score Baccarat and when it is appropriate to take a third card. If you are unclear about any of the rules, consult our comprehensive guide to Baccarat.


4) Practice. Playing free games at an online casino is a great way to learn the ropes and hone your skills before risking real money.


5) Stay disciplined. Don’t let emotions get in the way of your decision-making; if you are having a bad day, it’s better to walk away from the table than foolish bets.