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Casino Tutorials - Baccarat Tutorial

How the Game is Played
1.) Two sets of cards (consisting of two cards each) are dealt out: One set to the Player; the other set to the Banker.
2.) Any hand totaling 9 or 8 is an automatic winner.
3.) If additional cards are required, the players hand always draws first.

The Object of Baccarat
Draw 2-3 cards to get a points value as close to nine as possible; and correctly guess which of three events will happen the next round: Player wins, Banker wins or a Tie occurs.

 Bet on House Edge Payout Banker 1.17% 0.95 to 1 Player 1.36% 1 to 1 Tie 14.4% 8 to 1

The Winning Hand
A hand that totals nine in the first two cards. Eight is the second-highest hand. Those two hands are considered "natural" hands. More formally "le grande natural" if it is a nine and "le petit natural" if it is an eight. A natural nine beats a natural eight. If any player hand or the Bank has a natural eight or nine, the other players may not draw a third card.

Values
All numbered Cards, 2 through 9, are counted at face value. The Ace is counted as one. Tens and all face cards are counted zero. Hands that add up to more than 9 are counted by the second digit only (14 would be counted 4), so that 9 is the highest possible score.

 Card Value 2-3-4-5-6-7-8-9 face value 10-J-Q-K 0 Ace 1

If neither hand is a natural (8 or 9), each hand is required to receive an additional card. The Banker's next action (drawing or standing) depends on the player hand total. This gives you a slight advantage.
Here is an example of how the cards are dealt:

 Player Hand Tutorial Player having Action 0-1-2-3-4-5 Draws 6-7 Stands 8-9 Natural (Banker Cannot Draw)

 Banker Hand Tutorial Banker having Draws when giving Does not draw when giving 0-1-2 Draws 3 1-2-3-4-5-6-7-9-0 8 4 2-3-4-5-6-7 1-8-9-0 5 4-5-6-7 1-2-3-8-9-0 6 6-7 1-2-3-4-5-8-9-0 7 Stands 8-9 Natural (Player cannot draw)

Commission
American Baccarat: A 5% Commission is exacted on a winning banker bet, but not on any losses. So if you win \$100, you owe the house \$5. Rather than collecting this commission after each round, a record of what is owed by each player is kept on the table in a numbered box. Usually, players pay after the finish of each shoe and before leaving the table.
European Baccarat: The banker finances the round; this gives him a slight edge over the player´s hand. Example: Banker funds \$1,500. Next player bets \$1,000. The next player is allowed to bet \$500 only. The next players are not allowed to bet now any more. if a player wants to cover the entire banker's bet, he calls out "banco". No other player is allowed to bet during that specific round.

The Table