Baccarat is a fun and exciting online casino play for everyone – including the beginner and experienced gamer. Although it is popularly known as a game for the high rollers, this isn’t exactly the case as you would find games that fit every player.Choose one of the best casino below and enjoy playing baccarat. Some casinos like Borgata Online Casino offer new players a welcome bonus you can use on live baccarat. In addition to Borgata, other online casinos offering live baccarat like Resorts Casino, and 888Casino give out great welcome bonuses. However, Borgata’s bonus is the most competitive, because their wagering requirement is the lowest. The BetOnline Casino is one of the best USA live dealer casinos and our best live baccarat casino. Online since 2001, BetOnline is one of the most reputable USA online casinos. Live Games: Baccarat.

Playing real money baccarat from home just got a lot easier and a lot cooler. Thanks to technological growth in the industry, you can now play baccarat online by viewing a real table with a live dealer. Through the use of high-tech streaming technology, live dealer baccarat casinos offer you the ability to play your favorite casino game with actual cards without leaving the house.

If you’d like to check it out right now, take a look at one of the top live dealer baccarat online casinos we’ve recommended for you in the list below.

Want to find out a little more about live dealer baccarat before you pull the trigger and jump into the action? There is absolutely nothing wrong with that. In the remainder of this guide, we’re going to cover everything you need to know about live dealer online baccarat to get started playing the right way. We’ll take a good look at what makes the above list of live dealer casinos the best, run over exactly how live dealer online baccarat games work, give you a few great baccarat tips, and ultimately cover how to get started playing right now.

Why Are These the Top Casinos for Playing Live Dealer Baccarat?

Trustworthy Online Casinos

There is not a single trait that is more important in determining the quality of a live dealer baccarat casino than trust. If you’re new to online casinos all around, this is super important to remember no matter what game you play: in order to have a great online gambling experience, you have to be able to trust that the online casino is going to live up to their word and deliver a gaming experience that has your needs at the forefront. If you’re unable to trust they have your best interests at heart or that they’re capable of delivering on those interests, then that online casino has no business being in business.

All of our online casino reviews are brutally honest and the online live dealer baccarat casinos that we’ve recommended here are the poster children of trust. Their management teams, processes, equipment, and banking processes are all designed in a way that puts you first.

You can be confident that you’ll be getting the online gambling experience you desire as long as you stick with one of these live dealer baccarat casinos that we’ve vetted.

Effective Security For Gambling Online

The top priority of a great live dealer online baccarat casino should always be security. Anytime you have an online site like a casino, bank, or investment site that holds large sums of cash, you have a target for thieves and hackers. If these companies are not diligently working to be ahead of these threats, they are vulnerable to being infiltrated, and your money will be at risk.

The live dealer baccarat sites that we’ve recommended here work incredibly hard to stay at the forefront of internet and industry security. What we really like about all of them is that they are not scared to spend money or dedicate resources to keep you and your money safe. They’re proactive instead of reactive and show no signs of laziness when it comes to site security. Additionally, they work with trusted third parties on the banking front and have these partnerships integrated properly to ensure security.

Their internal processes are such that your private information, bets, and bankroll funds are always secure and protected from external and internal threats. We only recommend online casinos offering live dealer baccarat that worry obsessively about security.

The Overall Quality of the Live Dealer Baccarat Games

Simply put, the live dealer baccarat games better be the best quality possible, or we are not interested. Once you know the technology exists to offer an incredible, top-of-the-line experience, your patience for anything less than that dwindles. In order for us to even consider recommending a live dealer baccarat site, they need to be at the top of their game with the quality of their games.

What are we looking for specifically? First, we want the actual table and cards used to be high quality. If they’re running the game with a deck of cards from Walmart on a fold-out card table in the back of a warehouse, we’re not interested. Second, the dealers need to be great dealers. Just because we’re not in the same room as the dealers doesn’t mean they can just be some bum they found on the street corner. The dealers need to be highly trained, certified dealers who have experience dealing baccarat.

Lastly, the streaming technology needs to be top of the line, which includes the cameras, microphones, and servers.

The online casinos for live dealer baccarat we’ve recommended here offer the absolute highest quality online baccarat games on the web. It’s clear that someone in their management team understands the importance of a quality experience and that shows from the second you join the site until the last card is dealt. It’s your entertainment budget you’re spending, so why not make sure you are playing with the best?

Operating in the USA Casino Market

Too many review sites on the web recommend live dealer baccarat casinos to USA players, but don’t allow real money play from them. This is annoying and nothing more than a colossal waste of your time. We’re not sure if this comes from a lack of research or sheer laziness, but it is unacceptable.

The live dealer online baccarat casinos we’ve recommended here 100% accept US players. Anything other than that is just silly, but you won’t have to worry about that here. You can select one of the above options with confidence that you’re not going to get excited about the games and software then get turned away and kicked to the curb when you try and play.

How Do Live Dealer Baccarat Casinos Work?

Imagine watching a YouTube video of a baccarat table from a GoPro camera. Now, imagine that this is not a recording but actually a live feed. Imagine that you’re able to make bets that actually play out on that live table. Imagine that when you chat, you are actually chatting with that live dealer. This is exactly what online live dealer baccarat is.

A real baccarat table is set up in a casino somewhere around the world and is manned by a real live dealer. There are no digital dealers, no random number generators, and no automation. When you make your wagers from your computer, they are reflected in real-time on the actual table. All of the decisions you make are actually reflected on the table. Your bets are decided by real cards and a real dealer in real-time.

Here’s an example of what live dealer baccarat games online actually looks like:
How do they make this happen? The online casinos offering live dealer baccarat in the US utilize high-tech streaming equipment to transport you to the table without making you leave your home. It will look and feel like you’re actually in the casino. If you’ve never tried it before, we highly recommend taking a minute to check it out. We’re pretty positive that you’re going to love the process.

Best Live Dealer Baccarat Tips for US Players

Check Times for Different Online Baccarat Stakes

Baccarat has historically been a game reserved only for higher stakes players. If you try and play the game in a brick-and-mortar casino, you’ll most likely be out of luck, unless you’re ready to pony up some serious coin. Online gambling sought to change that by offering the game and much more affordable stakes.

That being said, there are still going to be times when finding lower stakes games will be a challenge. If you happen to log in and you don’t see the stakes you want for live dealer baccarat games, try again at a different time.

Understand How to Play Live Baccarat Online

All of your bets and decisions will be made with your keyboard or with your mouse. The actual controls will be extremely user-friendly, and it won’t take you long to figure out how to work everything. All of that being said, you’re still going to want to make sure you understand how to work everything before you play a bunch of hands. If you don’t take the time to learn how things work, you do set yourself up for a potentially costly mistake.

If this is your first time playing at live dealer baccarat casinos in the US, start slow. Play a few hands at the absolute lowest stakes possible until you fully understand how the controls work. While it does a great job of mimicking real life, it will have a bit of a different feel you may need to get used to. If you have any questions or don’t know how to do something during the live game, ask the dealer for help. One of the perks of having a living and breathing dealer at the table you can interact with is that you can ask them for help when you need it.

Take Advantage of Online Casino Bonuses

Free money is actually free in the world of online gambling! Live dealer baccarat casinos have to compete for your business, and they’ve found the best way to do this is to throw free money and other freebies your way.

All you have to do is continue to play the games you were normally going to play anyways and wait for the goodies to roll in. That all being said, make sure you fully understand how the bonus programs work before you start playing. Many online casinos offering live dealer baccarat (especially the ones we’ve recommended) include things like welcome bonuses and VIP cashback points.

If there is absolutely anything that you don’t understand or want explained, contact their customer support department and they will get you fully squared away.

Keep Your Internet Connection in Mind When Gambling Online

Live dealer baccarat casinos in the US can have the absolute best servers and best technology, but if your internet connection is bad, you’re going to have a rough time. Here’s the good news, if you can watch YouTube videos or stream things like Netflix with no problem, you’re going to be just fine for live dealer baccarat games in the US.

What we are talking about here is to be prepared if you are going to be moving while you are playing. For example, let’s say you want to play on a long car ride somewhere. Make sure you aren’t going to be driving through the middle of nowhere where your connection is going to struggle. It’s going to negatively affect your experience and ultimately might be worth waiting to play or only playing for part of your trip.

The live dealer baccarat casinos have already anticipated that issues will arise from time to time outside of your control. If you get disconnected, you will get adequate time to reconnect. If you are unable to reconnect, each site has processes in place to protect your hand and to protect your bets. So, don’t worry. If you happen to disconnect, you aren’t going to lose your bet or all your money just because the internet temporarily let you down.

Start Playing Live Dealer Baccarat Online Today

If you’re a US player and are ready to get started playing live dealer baccarat, you’re only minutes away from being in the real money action. If you’re not yet sure where you want to play and need a nudge in the right direction, we’ve got you covered. Head back up to the top of this page and take a look at our recommended list to pick among the top live dealer baccarat casinos in the US. Within minutes, you’ll be able to dive headfirst into the action and be playing real money baccarat with a living, breathing dealer at an actual table!

You can play baccarat at most of the online casinos in America, so let us help you find the best in the market! Online baccarat is one of the most popular casino table games among players. Youcan play it in a variety of ways but the types of bet stay the same.

Baccarat is really a good game for the small stakes player because

1. It has a low house edge
2. It's very simple to play

We’ve broken down everything that you want to know about online baccarat, here in our guide! Learn the rules, perfect one of our strategies, and find the best casinos in America to sign upfor!

• How to Play Baccarat

What are the Best Baccarat Online Casinos inAmerica?

There are a number of online casinos in the United States that offer baccarat for real money! Just in New Jersey alone, players have over 20 casino sites to choose from. We’ve listedour top online baccarat casinos in the country to play on!

Find online baccarat and live dealer options at any of the following sites. Click on the links below each casino to sign up and claim a bonus to get started!

Hard Rock Online Casino (New Jersey)

Hard Rock has a great selection of online baccarat. They have live dealer baccarat and greatvirtual baccarat as well!

They'll start you off with 50 free spins and up to $1,000 in a match on your first deposit just for signing up.

SugarHourse (New Jersey)

SugarHouse is an awesome online casino for many reasons. They have great virtual and livedealer baccarat, streamed from Atlantic City by Evolution Studios.

SugarHouse also has one of the best welcome bonuses out there. $250 matching deposit with a super low 1x wagering requirement!

888 Casino (New Jersey)

888 online casino is one of the top online casinos in New Jersey! Players will find an impressive live casinoplatform with a variety of games to choose from. This includes live dealer baccarat. Sign up to 888 Casino in NJ now and you’ll receive a free $20 just for completingregistration.

Golden Nugget Casino (New Jersey)

Golden Nugget in New Jersey has a lot to offer players. They have a large selection of games,including great live dealer casino games. Some of the tables are even streamed directly from the casino floor to your device! Players have a number of baccarat games tochoose from at Golden Nugget NJ. Sign up today and receive $20 instantly!

Borgata

Even at the largest casino in Atlantic City, it can be hard to get a seat at the baccarat table. Lucky for you their online baccarat games are always available!

BetMGM is partnered with Borgata and offers the same great baccarat games, including live dealer baccarat!

What is Baccarat Online?

Online baccarat is a virtual version of the casino game Baccarat. The goal of the game is to wager on the hand you believe will get closer to 9. There are two hands to bet on; the Player andthe Banker, and other side bets, which we discuss further down.

You can play virtual baccarat or with a live dealer from your mobile device or computer.

Listen to our Podcast! Click here: 'Everything You Ever Wanted to Know About Baccarat' with Michael Shackleford, the Wizard of Odds (October 2010)

Steve interviews gaming writer Michael Shackleford, also known as the Wizard of Odds, to learn all about baccarat. They discuss how to play the game; the casino's mathematical advantage on thevarious bets that are offered; the best strategies for playing; and whether or not the game can be beaten in the long run.

Live Dealer Baccarat Games

Live dealer baccarat is extremely popular in the United States! These types of games are as close as you can get to the real casino experience, without having to go anywhere. The live casinowill stream directly from a studio designed to look like a real baccarat table. You can interact with the dealer using a chat feature and play the game at your own pace.

Live baccarat games are not available 24/7. The hours will depend on the online casino but are most often between 11 am to 3 am. There are a number of live dealer baccarat tables available, soit’s unlikely you’ll ever have to wait to play.

Play baccarat at the best live casinos in America:

How Does Baccarat Online Work?

Baccarat is not a difficult game to learn. When you play online, you’ll place your bets by selecting from the three options on the screen. Once you’re happy with your wagers, you can hit thedeal button and the cards will automatically be dealt.

After they have been revealed, the hand closest to 9 points wins. Those who bet on the winning hand can then claim their money.

Online baccarat doesn't have an actual deck to shuffle. It simulates the shuffling of the deck using a software program called a Random Number Generator (RNG).

How to Play Baccarat

The rules of baccarat are simple. Choose the hand that you believe will reach 9 points or closer using the cards dealt. There are three types of bets in baccarat; the Player, Banker, andTie.

1. Aces: 1 Point
2. 2, 3, 4, 5, 6, 7, 8, 9 cards: the point is the numeric value shown on the card.
3. 10, Jack, Queen, King: 0 points

Since the goal is to reach 9 points, the value of the hands goes by the last digit. For example, a 7 and an 8 would equal a 5 point hand in baccarat (7 + 8 = 15, 5 is the lastdigit).

If the first two cards in either hand total 8 or 9, then the game is over and the highest total wins. If the totals are both 8 or both 9 then it's a tie and neither hand wins.

For any other total the rules have to be consulted and it's always the player hand that goes first. If the player hand has a total of 6 or 7, it must stand. The only other totals it canpossibly have are 0,1,2,3,4 or 5 and for all of those totals, it must draw a card.

After the bets have been placed, you can choose to hit or stand. If you want another card in your hand, you’ll hit. If you don’t want to change your hand, you can stand. Deciding when to hitand stand can vary depending on the hand you’ve bet on. We explain this and the odds for each bet further down.

If the player hand has a total of 6 or 7 it stands and for anything else, it has to draw a card.

After the player hand is finished the banker hand must take its turn and if its first 2 cards total 0,1 or 2 it must draw a card. If its two cards total 7 it must stand and if the total is 6 itwill stand, but only if the player hand did not take a card.

The only other possible totals the bank can have are 3,4,5 or 6 and the decision as to whether or not a 3rd card is drawn depends on the 3rd card that was drawn by the player hand.

When the banker hand has a total of 3 it must stand if the player's 3rd card was an 8 and it must draw if the player's 3rd card was any other card.

Types of Bets and Odds

There are three bets you can make in baccarat! The Player hand, the Banker, or a Tie.

These are the odds of winning on an infinite deck with a 5% commission.

Player:

Banker:

Tie:

How to find the total value

No total can be higher than 9. So, if a total is 10 or higher you have to subtract 10 to determine its value. For example, 8, 8 totals 16 but you subtract 10 and your total is 6. 9, 5 hasa total of 4. 8, 3 has a total of 1; and 5, 5 has a total of 0.

Who Wins?

The object of the game of Baccarat is to have a total as close to 9 as possible. So after the first two cards are dealt, if either the player or banker hand has a total of 9 then that's calleda 'natural' and that hand is the winner.

If neither hand has a total of 9 then the next best possible hand is a total of 8 (which is also called a 'natural') and that hand would be the winner. If both the player and the banker end upwith the same total then it's a tie and neither hand wins.

Now, if neither hand has an 8 or a 9 then the rules of the game have to be consulted to decide whether or not a third card is drawn. Once that's done, the values of the cards are added togetheragain and whichever hand is closest to a total of 9 is the winner. If both hands end up with the same total then it's a tie and neither hand wins.

Gambling author, Steve Bourie, explains how to play and how to win at baccarat. Topics covered include:

• the rules of the game
• the bets that can be made
• the casino's advantage on those bets
• which bet is the worst and should never be made
• the best strategy for winning at baccarat
• a look at a baccarat betting system

Baccarat Betting Systems and Strategies

Once you understand the basics of the game, you can start to form your own strategy. This is based on the types of bets you can place and the odds for each.

Bet on the Player

The Player hand pays out even money if won, and doesn’t have any commission tied to it like the Banker. While the Banker hand may offer better odds for winning, you’ll get a higher payout ifsuccessful on the Player. If you bet on the Player hand and the sum is a 5 or less, you’re allowed to draw a third card.

Bet on the Banker

The Banker is the recommended bet to go for in baccarat. It offers the best odds and more chances to draw a third card compared to the other hands. Since the odds are so good, most baccaratgames will use a 5% commission rule on this hand.

The Banker can draw a third card under the following circumstances:

• The Player draws a 6 or 7, and the Banker is at 6.
• The Player has a 4, 5, 6, or 7 and the Banker is at 5.
• The Player has less than 8 points and the Banker has 3.
• The Banker has 4 points and the Player has a 2, 3, 4, 5, 6, 7, 10, or face card.

If the Banker has less than 2 points, a third card will be drawn regardless of what the player is holding.

Make that Smart Bet on Baccarat at Golden Nugget or Hard Rock Online any time you're in New Jersey!

Bet on a Tie

Betting on the Tie can seem like a good idea because the payout is the highest of all three bets if you win. However, the house edge attached is 15%. A lot of baccarat strategies use the ruleof never betting on a tie. The house edge is too high and the odds are not the best.

If you want to bet on a tie you would place your bet in the area marked 'tie' and if you win you'll be paid off at 8-to-1, or $8 for every $1 you bet (at most casinos).

The big payoff sounds nice but actually this is a terrible bet because the casino advantage is nearly 15%. That's why we advise that you don't make this bet.

Bet Advantages

If you want to bet on the player hand just put your money in the area marked 'player' and if you win you'll be paid off at even-money, or $1 for every $1 you bet. The casino advantage onthe player bet is 1.36%.

If you want to bet on the banker hand you would place your bet in the area marked 'banker' and if you win, you'll also be paid off at even-money, but you'll have to pay a 5% commission on theamount you win. So, if you won $10 on your bet, you would owe a 50¢ commission to the house.

What is the Commission?

The 5% commission is only required if you win and not if you lose. The dealer will keep track of the amount you owe by putting an equal amount in a small area on the table that corresponds toyour seat number at the table.

After adjusting for that 5% commission the casino advantage on the banker bet is 1.17%.

Click here to Listen to our Podcast: 'Everything You Ever Wanted to Know About Baccarat
with Michael Shackleford, the Wizard of Odds'

Steve interviews gaming writer Michael Shackleford, also known as the Wizard of Odds, to learn all about baccarat. They discuss how to play the game; the casino's mathematical advantage on thevarious bets that are offered; the best strategies for playing; and whether or not the game can be beaten in the long run.

How to Win in Baccarat

All right, now that you know how to play baccarat we come to the important question which is - how do you win?

If you bet on player you'll only be giving the casino a 1.36% edge. If you bet on banker you'll be giving the casino an even more modest edge of just 1.17%. While both of these are pretty lowedges to give the casino you're still stuck with the fact that the casino will always have an edge over you and in the long run the game of baccarat is unbeatable.

So, if that's the case then how do you win?

Well, the answer to that is very simple - You have to get lucky! And that's the only way you can win at baccarat.

Of course, this is easier said than done, but fortunately, in the game of baccarat, you have the option of making two bets that require no skill and both offer the casino a very low edge.Compare them to roulette - where the house has a 5.26% advantage on a double-zero wheel and slot machines - where the edge is about 8% to 10%!

When you gamble in a casino you have to play the games that have the lowest casino edge in order to have the best chance of winning. With that in mind you can see that baccarat is not that bada game to play for the recreational gambler.

Make Your Own Luck! Save Money by Playing Online Live Dealer Baccarat with Borgata or BetMGM any time you're in New Jersey!

Why Play Baccarat Online?

Playing baccarat online comes with a lot of advantages compared to the brick and mortar. Online, you don’t have to deal with waiting a long time for a spot at the table. You can play at yourown pace and collect rewards at the same time.

Play from your home

Online casinos allow you to play from anywhere in the state, as long as there is a stable internet connection. This makes playing online baccarat very convenient because you don’t have to leaveyour house to play!

You can receive Baccarat Online bonuses

A lot of casino sites offer new players bonuses upon signing up. You can use these bonuses to play online baccarat and get to know the game before depositing your own money. Bonuses do notexist at land-based venues, which means online users will get more rewards.

Access to live casino promotions

You can access a variety of casino promotions that can be used at live dealer tables! These are similar to bonuses but are only offered at live casinos. An example would be; wagering a certainamount at a live dealer baccarat table and receiving a reward in return. It’s another great incentive for getting gamers to sign up online.

For some great ongoing promotions for loyal customers, check out SugarHouse and 888

Baccarat Online Variants

Baccarat has different ways it can be played online. In the United States, a few of the most common variations include Baccarat Squeeze and Mini Baccarat. While new games can be exciting totry, these variations tend to have a higher house edge than the traditional version. This is why it’s recommended to stick to the classic baccarat version over new variations.

Baccarat Squeeze

Baccarat Squeeze is by Evolution Gaming and part of the live casino platform. It’s very similar to the original baccarat except for the cards being dealt face down. This adds a level ofexcitement to the game for players.

Mini Baccarat

Mini Baccarat is one of the more popular variations of baccarat in the United States. Fewer people can play at a mini-baccarat table and the stakes are much lower than the othervariations.

Betting Systems

Baccarat is a game of luck, so some use betting systems to determine their bets. You can have some element of strategy if you're playing with a shoe of limited decks.

Betting on a Streak

Now let's take a quick look at one of the most common systems for betting on Baccarat. One thing that many Baccarat players seem to have in common is a belief in streaks and the casinosaccommodate these players by providing scorecards at the table that can be used to track the results of each hand. Many players like to bet on whatever won the last hand in the belief that itwill continue to come in and they hope for a long streak.

The thinking for these players is that, since Baccarat is purely a guessing game ,it's just like guessing the outcome of a coin toss. Chances are that a coin won't alternately come upheads, tails, heads, tails, heads, tails but rather that there will be streaks where the same result will come in for a while.

So, is this a good system? Well, actually, it's no better and no worse than any other system because no matter what you do you'll still have the same casino edge going against you on every betyou make: 1.36% on the player and 1.17% on the banker.

The one good thing about a system like this though is that you don't have to sit there and guess what you want to play each time. Instead, you go into the game knowing how you're going to playand you don't have to blame yourself if your guess is wrong, instead you get to blame it on your system!

Is Baccarat Online Legal in America?

You can play online baccarat in any state that has legalized online gambling. This includes Delaware, Pennsylvania, and New Jersey. We only recommend legal online casinos in the US, so playerscan trust the site they’re wagering on.

Are Baccarat Online games rigged?

Online baccarat games are not rigged. The United States has very strict laws when it comes to states legalizing online gambling. Every online casino must abide by the regulations set by thestate or face serious consequences.

To guarantee every game of online baccarat is fair, casinos use a Random Number Generator. This way, the outcome is always random and fair for everyone playing.

Listen to our Podcast for the best tips! Click to listen: 'Baccarat - How to Playto Win' February 2017

Gambling author, Steve Bourie, explains how to play and how to win at baccarat. Topics covered include:

• the rules of the game
• the bets that can be made
• the casino's advantage on those bets
• which bet is the worst and should never be made
• the best strategy for winning at baccarat
• a look at a baccarat betting system

Gambling author, Steve Bourie, explains how to play and how to win at baccarat. Topics covered include: the rules of the game, the bets that can be made; the casino's advantage on those bets;which bet is the worst and should never be made; the best strategy for winning at baccarat; a look at a baccarat betting system; and much more

Can you Play Baccarat Online for Free?

Players in America have access to a lot of free online baccarat games! Many of the online casinos will offer a demo version for each game. Sometimes you’ll be required to sign up for the casinofirst, but it’s not always a must. This will depend on the casino site you’re on.

Best Online Casino For Baccarat

A lot of casinos offer both online and live dealer baccarat games, but you cannot play live dealer baccarat for free.

• 888 (New Jersey)
• Borgata (New Jersey)
• Golden Nugget(New Jersey)
• SugarHouse (New Jersey and Pennsylvania)
• Hard Rock (New Jersey)
• BetMGM (New Jersey)
• Hollywood (Pennsylvania)
• PartyCasino (New Jersey)

Who Plays Baccarat?

When you think of Baccarat you probably think of a game that's played by the casino's wealthiest players who sit at a private table and can afford to bet tens of thousands of dollars on theflip of a card and you know what? You're right!

The game of Baccarat has always had a reputation as being for the richest gamblers and that usually scared off the average player, but nowadays more and more people are discovering thatBaccarat is really a good game for the small stakes player because 1.-it has a relatively small advantage for the casino and 2.-it's very simple to play.

Why is the Game Named Baccarat?

Actually the name Baccarat comes from the Italian word for zero and as you'll see there are lots of zeros in this game. When you add the cards together all of the 10's and all of the face cardsare counted as zeros, while all of the other cards from ace though 9 are counted at their face value.

Rules for Dealing the Third Card

If the Bank has 3 and

• Player's third card is 8 - BANK STANDS
• Player's third card is 1,2,3,4,5,6,7,9,10 - BANK DRAWS

When the banker hand has a total of 4 it must stand if the player's 3rd card was a 1,8,9, or 10 and it must draw if the player's 3rd card was any other card.

If the Bank 4 and

• Player's third card is 1,8,9,10 - BANK STANDS
• Player's third card is 2,3,4,5,6,7 - BANK DRAWS

When the banker hand has a total of 5 it must stand if the player's 3rd card was a 4,5,6 or 7 and it must draw if the player's 3rd card was any other card.

If the Bank has 5 and

• Player's third card is 4,5,6,7 - BANK STANDS
• Player's third card is 1,2,3,8,9,10 - BANK DRAWS

When the banker hand has a total of 6 it must stand if the player's 3rd card was a 6 or 7 and it must draw if the player's 3rd card was any other card.

If the Bank has 6 and

• Player's third card is 6 or 7 - BANK STANDS
• Player's third card is 1,2,3,4,5,8,9,10 - BANK DRAWS

There you have it - those are the rules of Baccarat concerning the draw of a third card. As you saw they were a little complicated, but remember that you don't have to memorize the rulesyourself because the dealer will know them and play each hand by those rules, but you can always ask for a copy of the rules at the table to follow along.

Example scenarios

Now let's try some sample hands: The player hand has queen,9 for a total of 9 and the banker hand has 4,4 for a total of 8. Which hand wins? Both hands are naturals, but the player hand totalof 9 is higher than the banker hand total of 8, so the player hand is the winner.

If the player hand has 4,2 for a total of 6 and the banker hand has ace, jack which totals 1, what happens? The player hand must stand on its 6 and the banker hand must always draw when it hasa total of 0,1 or 2. Let's say the bank draws a 7 and wins 8 to 6.

What happens when the player hand has king, 5 and the bank hand has 2, 4? The player hand must draw and let's say it gets a 7 for a total of 2. The banker hand has a total of 6 and if it couldstand on that total it would win because its 6 is higher than the 2 held by the player. Of course, if you were betting on banker that's exactly what you would want to happen but, unfortunatelyfor you, the rules require the bank hand to draw another card whenever its first two cards total 6 and the third card drawn by the player is a 7. So now, instead of having a winning hand youhave to hope that the card you draw isn't a 5, which would give you a total of 1 making you a loser.

You also wouldn't want to draw a 6 because that would give you a total of 2 which would give you a tie. In this case let's say that the bank hand goes on to draw an 8 which gives it a total of3 and it wins 4 to 2.

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If the player hand has 3, ace for a total of 4 and the banker hand has 8, 7 for a total of 5, what happens? The player hand must draw and say it gets a 9 for a total of 3. Once again, thebanker hand would like to stand on its total because it would win, but the rules have to be consulted first and in this case when the banker's first 2 cards total 5 and the player's third carddrawn is a 9 the banker hand must stand, so the banker hand wins 5 to 3.

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Finally, let's say the player hand has 4,3 for a total of 7 and the banker hand has 6,10 for a total of 6. The player hand must always stand on totals of 6 or 7 and the banker hand must alsostand on its total of 6 because the player hand didn't take a third card. The player hand wins this one 7 to 6.