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An EPIC guide to.....BACCARAT!


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Should you bet on PLAYER? BANKER? TIE? Or PAIR BETS?? This EPIC guide is here to help you!

Sit back, relax, and get ready to throw your chips on the table as I guide you through BCGame’s latest edition to the family - BACCARAT!



·        House edge – 1.1% - 98.9% RTP (Return to player)

·        Single deck game – each round starts with a new randomised single deck

·        Multiplayer – you are playing alongside others on the table

·        Cards are given point values as follows: Ace = 1, 2-9 = pip (shown) value, 10 and face cards = 0. More details of this below

In baccarat, each card has a point value: the 2 through 9 cards in each suit are worth face value (in points); the 10, jack, queen, and king have no point value (i.e. are worth zero); aces are worth 1 point; jokers are not used. Hands are valued according to unit’s digit of the sum of their constituent cards. For example, a hand consisting of 2 and 3 is worth 5, but a hand consisting of 6 and 7 is worth 3 (i.e., the 3 being the units digit in the combined points total of 13).The highest possible hand value in baccarat is therefore nine.


Players have 15 seconds to decide whether to bet on the Player, Tie, Player Pair and/or Banker Pair.

After the 15 seconds are up, no more bets are allowed and the dealer gives two cards each to the Player and Banker hands.

The maximum number of points in both the Player and Banker hands is 9. The way to arrive at the points per hand is to take the total points of each individual card in the hand. If the sum is more than 9, then drop the first digit. For example, if either hand had a 9 and 7, then you would drop the 1 from the total of 16, for a 6-point hand.

A third card may or may not be dealt to either the Player or Banker hands, depending on the following rules.

If either the Player or Banker have 8 or 9 points, it is referred to as a "natural." If there is at least one natural, then both hands will stand.

Otherwise, if the Player's total is 5 or less, then the Player hand will draw one more card, otherwise, with 6 or 7 points, the Player hand stands.

If the Player hand stands with 6 or 7 points, then the Banker hand will draw a third card on a total of 5 or less. Otherwise, with 6 or 7 points, the Banker will stand.

If the Player does draw a third card, then use the Banker will use his positional advantage to decide whether to take a third card according to his total and the third card drawn to the Player, according to the following table.



H = Draw third card

S = Stand on two cards


How does each outcome win?

·        The score of the Player and Banker hands are compared; the winner is the one that is greater.

·        The Tie bet wins if the Player and Banker hands tie. All bets on player and banker are a push (bet returned)

·        The Player Pair bet wins if the first two cards in the Player hand are of the same rank.

·        The Banker Pair bet wins if the first two cards in the Banker hand are of the same rank.


·        Player bet: Wins pay 1 : 2

·        Banker bet: Wins pay 1 : 1.95

·        Tie bet: Win Pays 1 : 9

·        Player Pair and Banker pairs: Wins pay 1 11 

The reason the Banker gets paid less than the Player is the Banker enjoys a positional advantage, with more information available to make the decision on drawing a third card.

The Math!

The following return tables show the possible outcomes of the Player, Banker, and Tie bets for a single deck game. As the lower right cells in each table show, the house edge is 1.01% on the Banker bet, 1.29% on the Player bet, the odds and edge for Tie and Player/Banker Pair bets is also shown below. 



I hope this guide helped you in your quest for Baccarat glory! Good luck playing and stay safe!

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