Initially
two hands are dealt. One to the baccarat player, one for the banker.
The simplicity of baccarat rules is, you can bet on either one or the
other, or a tie. If the hand you bet on wins, you get an even money
payoff, that's one to one. If you bet 5 and win, you get your 5 back,
and another 5. If you bet on a tie, you get an 8 to 1 payoff (bet 5
get 5 plus 40). This is of course because a tie occurs less than once
out of every ten hands, making it quite a gamble.

Each hand gets
two initial cards. The hand closest to 9 wins. Tens and face cards (except
the ace) count as zero. The ace counts as one, and cards 2 through 9
are worth face value. Baccarat rules state that the hand closest to
a count of 9 wins. There is no "bust" as in poker, and here is the tricky
part. The first digit of a 2 digit total is dropped. This means, if
a 6 and a 7 are drawn, the total is 13, but the first digit is dropped,
so the count is 3.

If the first two
cards achieve a count of 8 or 9 it is called a "natural", and as such
wins automatically (excluding the event of a tie of equal valued "naturals").

If neither initial
hand is a natural, additional cards are drawn to determine a winner.
Baccarat rules state that winning banker bets are subject to a 5% house
commission. This is of course because there is more of a chance for
a banker win.

What's interesting,
and what you wont learn from reading any standard baccarat rules pages,
is that even after the 5% house commission, there is still an advantage
to betting on the house. The margin is slim at 0.19%, but it does exist.

All bets are made
before the cards are dealt. In real life baccarat each player gets the
chance to deal if they want to, or they have the option of passing to
the next player.

We hope you have
enjoyed reading our page on baccarat rules.