The Basics of Baccarat


Baccarat is a table game that is played in casinos and online. It is a simple game to learn, but it has some rules that players should be aware of before betting real cash. The most important thing is to always be in control of your money and not let the excitement of a game get you into trouble. Set a bankroll in advance and never spend more than you can afford to lose.

The game is played with six, seven or eight standard decks of cards. Players can place bets on the Banker hand, the Player hand or a tie. The objective is to correctly predict which of the two hands will have a total closest to nine. The value of a hand is determined by adding up the values of all the cards in it. However, only the rightmost digit is used to determine the winner.

Players are seated around the baccarat table in groups of seven to 14 people, depending on the casino. Two cards are dealt to the Banker’s hand and two to the Player’s. Occasionally, a third card may be dealt to either or both hands. In the case of a tie, neither hand wins or loses. The winning hand is the one with a final digit that is closest to 9. Tens, Jacks, Queens and Kings are worth zero points; all other cards are valued at their face value. An ace is worth one point.

The Banker’s and Player’s hands are then compared. The hand with the highest value wins, and if there is a tie, the game ends in a draw. A tie is less likely than a win on the banker’s or a player’s hand, so many players prefer to bet on the Banker’s side. This bet pays out 1:1, but a 5% commission is charged on winning bets on the Banker’s hand.

If you’re planning to play baccarat, you should know that the game’s house edge is lower than that of slots and most other table games. You can use this advantage to your advantage and make a profit at the tables. The first step is to locate a baccarat table on the casino floor. These are often separated from the rest of the casino by a velvet rope or other barriers.

Once you’ve found a table, decide on an initial bet amount. You can add more bets to your initial wager as long as it doesn’t exceed the table’s maximum. If you want to take on the role of the Banker, you can do so by announcing your decision in counterclockwise order.

Once everyone has placed their bets, the dealer will deal two cards to the Banker’s hand and two for the Player’s. Then the player and banker reveal their hands, and if any of them are worth 8 or 9 points, the winner is announced. In the case of a tie, a third card is drawn as per the game’s rules.