Baccarat is played with a single standard deck of cards. Two hands of cards are dealt, one for the Player and one for the Banker. Each hand will contain either two or three cards. If the first two cards dealt to the Player or the Banker are equal to five (5) or less, then the respective hand will be dealt a third card.

Betting
Before any cards are dealt the player must decide on the stake for the game and with this stake they then need to decide on 1 of three outcomes they wish to bet on.

You can decide to:

bet on the Banker's hand winning,

the Player's hand winning or

the possibility of a Tie.

After the bets have been placed then the 2 hands will be dealt.


Winning
The winning hand will be the one whose value is closest to nine (9). The value of a hand is calculated by adding up the value of the cards. Aces have a value of 1. Face (picture) cards (J,Q,K) and tens (10s) have no value and do not contribute to the value of the hand. All other card values are treated as they appear i.e. 2=2, 3=3, 4=4 and so on.

If the value of a Baccarat hand exceeds 9 then the value of the hand is taken as the "unit" portion of the total. Thus, if a hand consists of an 8 of clubs and a 7 of diamonds the total for the hand would be 15. You would ignore the "tens" portion of that total, giving you a value of 5. Similarly if the total of the cards were 20 you would ignore the 2 (tens portion) giving you a hand value of 0.

Once the winning hand is determined the game is over.

Please take note of the following rules:

Face cards and 10s have no value in Baccarat.

A tie that you did not bet on pays back your ante(stake).

If you have bet on a losing hand your 'Ante' is lost. If the hands are tied and you have not bet on a Tie then your 'Ante' will be returned.