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Online Baccarat Rules

Starting the Baccarat Game

You start your baccarat game by making one of the five possible baccarat bets:
Player and Tie
Banker and Tie
In online baccarat, you place your bet by clicking on the appropriate button or on the appropriate area of the virtual baccarat table.

The Play of the Baccarat Cards

After you place your bet, the player and the banker each receive two cards. The player might then draw a third card. Unlike a blackjack player, the baccarat player has no free will in this matter. The decision is made strictly in accordance with a baccarat rule specifying that if the player's two-card total is 5 or less, the player must hit; over 5, the player stands. You do not need to memorize the rule; if you are playing baccarat online, the computer will automatically deal a third card if the rule calls for it.

Another difference from blackjack is that the player may hit only once, so the maximum number of cards in a baccarat hand is three.

After the player's hand is complete, the banker either stands or hits. The rule governing the banker's hand is a little more complicated, but the main idea is the same: the stand-or-hit decision is made according to a baccarat rule and not by anyone's free will. If you play baccarat in an online casino , the baccarat software will automatically deal a third card to the dealer when it is appropriate to do so.

After both hands are completed, the hands are compared and the highest hand wins the baccarat game.

Winning at Online Baccarat

If you placed a bet on the Banker's hand and that hand wins, you will receive an even-money payout on your bet, minus a 5 percent commission to the house.

If you placed a bet on the Player's hand and that hand wins, you will receive an even-money payout on your bet, with no commission taken out.

If you placed a bet on Tie and the outcome of the game is a tie, you will receive an 8-to-1 payout on your Tie bet.

If the hands produce a tie and you did not bet on a Tie, your bet will be returned without your winning or losing anything.

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