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How To Play Baccarat Online

One of the most enticing elements of Baccarat, is the ease at which it can be played, and in this post, I’m going to share how to begin playing Baccarat.

So first of all, let’s start with the basics.

Beginning A Hand

To start playing Baccarat, you first must decide how much you want to stake. Now interestingly, unlike other popular card games, like Blackjack, Baccarat gives you the option to bet either on your hand, or the dealer’s hand – known as a Bank Bet. Once you place your wager, you will then be dealt two cards, with the dealer also being dealt two cards. Both the dealer’s cards are dealt face up.

All the cards dealt rely on a points-based system to assign a value, and below I’ve made a short table to show you the values of each card in play.

- 10, Jacks, Queens, Kings = 0

- 2, 3, 4, 5, 6, 7, 8, 9 = face value

- Aces – 1

If your first two cards dealt hold a combined value of above 9, the only card that is used is the lesser one; for instance, if you are dealt a 10, and a 3, the 10 is cancelled out, meaning your hand’s total would be 3.

Now, what happens next determines on what variation of Baccarat you’re playing. Most online casinos today use the Punto Banco system, and in this game variation, you’ll be automatically dealt another card, to try and bring your hand closer to nine.

If however, you’re playing traditional Baccarat, you aren’t automatically given a new card, so you could stay on 3, if you wanted to.

Once all the hand action is completed, the two cards are compared, and if your hand is higher than that of the dealer’s, you win – if the dealer has a hand totalling higher than yours, he or she will win. In the case of a tie, it’s a draw, and all bets are a push, meaning bets are returned to the player, regardless of which way they bet.


If you choose to bet on the player hand, and your hand wins, you’ll be paid out at even money – this means, you receive a payout of 1:1, so a £10 bet would return £20.

If you choose to bet on the dealer’s hand, and the dealer’s hand wins, you’re paid out at the same even money, with the only difference being a 5% commission is taken by the casino. So, for example, if you bet £100 on the dealer hand and won, you’d be paid out £195 – your initial £100 stake, plus £95 in winnings.

A tie returns payouts at 8:1, although this can vary depending on what casino you’re playing at.