Baccarat – The Game of Chance

Whether from sticky-floor California card rooms or the tuxedo-laden casino salons of Monaco, baccarat has always been associated with the upper echelons of society. It remains popular centuries after it was first introduced in European gambling houses.

Despite being one of the game’s worst bets, hunches and irrational trends still plague this premium segment favorite. Thankfully, this volatility can be easily mitigated by maintaining proper banker and player procedures.

Game rules

After placing bets, the banker deals two cards to himself and two for each player’s side. The hand with the highest total wins. The value of a hand is the sum of its cards, but only the rightmost digit counts. The croupier then announces the winning side. Players can also place side bets, such as a Banker Pair and a Player Pair.

If the Banker and Player hands have the same total, the game ends in a tie. The losing bets are collected and the winning ones paid. However, the banker must pay a 5% commission on winning Tie bets.

The rules for the banker are slightly more complex than those for the player, as the dealer must draw a third card on a 0-5 score and stand on a 6 or 7 (known as ‘naturals’). In addition, they must pay a 5% commission on winning bets placed on the Tie. This makes the game more complicated, but it can offer greater potential rewards.


A baccarat player has many betting options. They can place a Banker or Player bet, or they can make side bets such as Either Pair or Tiger. A winning side bet pays 8:1. Players can also use a negative progression strategy, which increases the size of their bet after every loss and reduces it after a win. This strategy can lead to large short-term profits, but it can be damaging to your bankroll in the long run.

Once all bets are placed, the dealer deals two cards to each hand. The player and banker then compare their hands to determine the winner. If either hand is worth nine points or closest to it, the winning wager is paid out. If the hand isn’t worth 9 points, it becomes a tie and further cards are drawn to decide the winner. If the banker wins, a 5% commission is taken by the casino. This is referred to as the ‘tax’.


Baccarat is a game of chance and players should always be aware of the odds and payouts available for each wager. The ‘Player’ and ‘Banker’ bets offer different payout percentages, but the ‘Tie’ wager offers significant payout odds of 8:1. However, winning ‘Tie’ bets are subject to a 5% commission fee by the casino.

After all bets are placed, the dealer deals two cards to himself and two to the player side. Then, the ‘Player’ and ‘Banker’ hands are compared and the hand with the highest value wins. The cards in a hand are worth their face value, except for the three, which is worth only one point.

In addition to the ‘Player’ and ‘Banker’ wagers, you can also make side bets in baccarat. These side bets pay based on the poker values of the first two cards in the Banker and Player hands, and whether they are suited or not. These side bets usually offer large payouts but have low chances of success and a high house edge.


Despite its reputation for being a game of chance, baccarat offers an edge for players who know the game’s rules and follow some basic strategies. This includes using the correct strategy for the Player, Banker, or Tie bets. The banker and player bets pay out based on the odds of winning, while the tie bet pays out only 1:1 money.

One popular baccarat strategy is to use the D’Alembert system, which involves doubling your bet after each loss until you win. However, this strategy can quickly drain your bankroll and you will need a large win to recoup your losses.

Another strategy is the Labouchere system, which uses inverse logic to generate profit. This system works by adding your bet amount to a list. After each loss, you cross off the first number on the list and start again from the beginning. This strategy can be risky if you don’t set a loss limit before using it.