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Baccarat

Baccarat is one of the most popular games in the world and has been around for centuries. The history of its origins is unclear. Some claim that the game originated in Italy, and that its name derives from the word «baccarat», which means «zero» in Italian; note that the value of 10 and face cards is zero.

Before the cards are dealt, players choose to bet on either the PLAYER (PUNTO) or the BANKER (BANCO), and when the dealer says «no more bets» the player may no longer change or touch his/her bets.

Regardless of the number of players at a Baccarat table, cards are dealt to the PLAYER and BANKER only.

The objective is to get 9 points or as close to that amount as possible. If the number of points exceeds 9, the first digit is discarded, for instance, 4+8=12=2 or 3+9+8=20=0.

Number cards up to 9 are worth their face value; aces are worth 1 point; and tens, jacks, kings and queens are worth 0 points, or baccarat.

Cards are always dealt in a specific order: the first and third cards are dealt to the PLAYER, and the second and fourth cards are dealt to the BANKER. Thus, each party receives two cards.

The third card for the PLAYER and the BANKER is dealt strictly under the rules in the table:

PLAYER/PUNTO
IF THE NUMBER OF POINTS FOR THE PLAYER’S FIRST TWO CARDS EQUALS: THEN THE PLAYER:
0, 1, 2, 3, 4, 5 is always dealt a third card
6, 7 is NEVER dealt a third card
8, 9 the game ends with a «natural» 8 or 9

BANKER/BANCO
IF THE NUMBER OF POINTS FOR THE BANK’S FIRST TWO CARDS EQUALS: THE BANK IS DEALT A 3RD CARD IF THE PLAYER’S 3RD CARD IS: THE BANK IS NOT DEALT A 3RD CARD IF THE PLAYER’S 3RD CARD IS:
0, 1, 2
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 is NEVER dealt a third card
8, 9 the game ends with a «natural» 8 or 9

If the first two cards equal 8 or 9 points (a «natural» eight or a «natural» nine), the winner is announced immediately.

Winning bets are paid out as follows:

PLAYER  1:1
BANKER 1:1 MINUS 5% BANKING FEE (OR 95:100)

Player’s may also bet on a TIE. A TIE bet wins when the PLAYER and the BANKER have the same number of points; it is paid out 8:1 and no other payouts are made.

If the PLAYER and the BANKER have the same first two cards, i.e., their cards make a pair together, PP (Player’s Pair) or BP (Banker’s Pair) wins. This is an additional or Bonus bet, and it is paid out 11:1 regardless of the game’s outcome.

Players must choose to bet on the PLAYER, the BANKER or on a TIE (separately or in addition to betting on the PLAYER or BANKER).

Player’s Pair and Banker’s Pair are additional bets. Players may bet on them if they wish to do so, but these bets cannot be placed without a basic bet on the PLAYER or BANKER.

All bets are accepted within the table’s minimum and maximum and in accordance with the table’s differential.

A table’s differential is the difference between the total bets on the BANKER and the total bets on the PLAYER at a particular round of the game.

Credit and cash bets are not accepted
Each table has its own table of minimums and maximums
In controversial situations the management’s decision is final