The game is played with 6 to 8 decks of cards and the table is divided up into three different bets: the bank (Banco), the players (Punto) or tie (Egalité). The bank and the players get two cards each. The sum of 2 cards closest to 9 is the winner. Ten, Jack, Queen and King count as zero and the Ace counts as 1. If the 2 cards add up to more than 10, the first digit is deducted, i.e. if the sum of 2 cards is 8+8=16, the value is 6. If you get a Jack and a 4, you count 0+4=4. If the bank and the players have the same values, those who bet on the the bank or the players get their stakes back.
The bank and players draw a third card according to the following baccarat rules:
- If either the player or the bank have a total of 8 or 9 on the first two cards no further cards are drawn. The resulting hand is called a natural.
- If the player's total is less than or equal to 5 the player's hand draws a third card.
- If the player does not draw a third card, then the bank's hand stands on 6 or more and takes a third card on a total of 5 or less; if the player does take a third card then the Bank's third-card rule will determine if the bank takes a third card.
- If you bet on the bank/player and win, you get even money. (If you bet on the bank and win, the bank deducts a 5 % commission from your winnings.)
- If you bet on a tie and win, you get 8 times the money back.
- If you bet on a pair and win, i.e. if the bank or players get a pair in the first two cards, you get 11 times the money back.