Baccarat may seem complicated, but it is actually quite straight forward.  The dealer does all the work; you don’t get any cards, and you don’t choose how the cards are played – all you do is decide what to bet on and how much to bet, then sit back and watch the action unfold. 

Betting is simple in baccarat; you choose to place your bet on either the Player or Banker on who will win.  The winning side is whichever is closer to 9.  To get this value only the rightmost digit is used to calculate a hand’s value.  So, if you have an 8 and a 3, the point total is 1, not 11.

Illustration of bacarrat dealer examining the cards revealed; the player has the two of spades and a king, the banker has a seven of spades and five of hearts

10, Jack, Queen and King = 0
Ace = 1
2 to 9 count as their face value.

GameSense Tip: The banker has a tax placed on the bet (5%) because it has slightly higher odds of winning than the Player side due to the order of how cards are pulled when dealt.

Illustration of a bacarrat dealer dealing out a large deck of cards

GET HELP. If you are concerned about your gambling or someone you know, contact the Problem Gambling Help Line at 1-800-306-6789 or visit Where to Get Support.

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