Baccarat System
Baccarat Betting Rules
Before the first two cards are dealt in baccarat, a player must first place any one of three bets: 1) Bet on the Player; 2) Bet on the Banker (Dealer); 3) Bet on a Tie. Therefore, there are only two deliberate decisions you need to make in a baccarat game: how much you want to bet, and whether to bet on the player, the banker, or a tie. Betting on a tie is generally not recommended because it decreases your odds of winning.
After all the bets have been made, the game proceeds as usual until a winner is declared. Now, if you bet correctly, then your bet is paid off. For example, if you bet on the banker, and the banker has a hand closest to 9 and wins the game, then you have a winning.
The designated banker in each baccarat game changes. Players take turns holding the bank, beginning with the player on the right of the dealer and moving clockwise from there. A player continues to hold the bank for as long as the bank is winning. Once the bank loses, the player gives up the bank to the next player on his right. These are strictly followed because there is a separate set of rules governing of the game play of the designated banker and the players.
Baccarat Rules for the Designated Player
| If Player's First Two-Card Total Is | Player Must | |
| 0 / 1 / 2 / 3 / 4 / 5 | Draw | |
| 6 / 7 | Stand | |
| 8 / 9 | Natural - an automatic winner; or tie if banker's two-card total is also 8 or 9 |
Baccarat Rules for the Designated Banker
| If Banker's First Two-Card Total Is | Dealer Draws If Player's 3rd Card Is A | Dealer Does Not Draw If Player's 3rd Card Is A | |
| 0 / 1 / 2 | Must Draw | Must Draw | |
| 3 | 0 / 1 / 2 / 3 / 4 / 5 / 6 / 7 / 8 / 9 | 8 | |
| 4 | 2 / 3 / 4 / 5 / 6 / 7 | 0 / 1 / 8 / 9 | |
| 5 | 4 / 5 / 6 / 7 | 0 / 1 / 2 / 3 / 8 / 9 | |
| 6 | 6 / 7 | 0 / 1 / 2 / 3 / 4 / 5 / 8 / 9 | |
| 7 | Must Stand | Must Stand | |
| 8 / 9 | Natural - an automatic winner; or tie if player's is a natural | Natural - an automatic winner; or tie if player's is a natural |
If the first two cards dealt count 8 or 9, it is known as a "natural" and wins automatically. If no one has a natural, an additional card is drawn for each to determine the winner.
If the banker's and player's hand both equal the same value, it is considered a tie.
In the event of a tie and no one bet on the tie, the hand is considered a push. No one wins or loses.
Since it has been proven that the banker's hand wins more than the player's hand, when a bet is placed on the banker and the banker's hand wins, the casino collects a 5% commission on all money won. However, if a bet was placed on the player and the player's hand wins, no commission is collected.