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Baccarat (Punto Banco)

Baccarat or Punto Banco is usually played in a separate casino area. The playing table is about the size of a craps table with three casino dealers and up to 12 or 14 players.

In the United States, Australia and Canada, a variation of baccarat is played in which the casino banks the game at all times. Punters may bet on either the player or the banker, which are merely designations for the two hands dealt in each game.

The cards are dealt, one to the 'Player' first then to the 'Banker', 'Player' then 'Banker' again. Each has two cards. This is the initial deal. Both cards in each hand are added together and the croupier calls the total. (e.g. five to the 'Player', three to the 'Banker') From this position the 'Tableau' or table of play is used to determine if further cards need to be drawn. A maximum of three cards per hand may be drawn to achieve a winning hand. Therefore the object of the game is to bet on the hand with the highest total.

The Tableau is as follows:

Pictures and 10s count as 0. If the initial deal has a hand totalling 8 or 9 no further cards are drawn.

If the 'Player' has an initial total of 0, 1, 2, 3, 4 or 5, the 'Player' draws another card.
If the 'Player' has an initial total of 6 or 7, the 'Player' stands and draws no further card.
If the 'Player' has an initial total of 8 or 9, this is a natural and neither the 'Player' nor the 'Banker' draw further cards.
If the 'Banker' has an initial total of 0, 1 or 2, the 'Banker' draws another card.
If the 'Banker' has an initial total of 3, the 'Banker' draws another card when the 'Player's' third card is anything but an 8.
If the 'Banker' has an initial total of 4, the 'Banker' draws another card when the 'Player's' third card is a 2, 3, 4, 5, 6 or 7.
If the 'Banker' has an initial total of 5, the 'Banker' draws another card when the 'Player's' third card is a 4, 5, 6, or 7.
If the 'Banker' has an initial total of 6, the 'Banker' draws another card when the 'Player's' third card is a 6 or 7.
If the 'Banker' has an initial total of 7, the 'Banker' stands and draws no further cards.
If the 'Banker' has an initial total of 8 or 9, this is a natural and neither the 'Player' nor the 'Banker' draw further cards.
If the 'Banker' has an initial total of 0, 1, 2, 3, 4 or 5 and the 'Player' has an initial total of 6 or 7 and stands, the 'Banker' draws another card.
The 'Banker' must stand on 6 when the 'Player' has a 6 or 7 on the initial deal.

House advantage
Banker (Banco) 1.17%
Player (Punto) 1.36%
Tie (Standoff) 14.12% at 8:1 payout

Baccarat (Punto Banco) table:



Click on picture to enlarge
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